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Low Jiun Neng Kelvin

Financial Advisory Manager

(MAS REP No.: LJN300132190)

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Your Most Trusted Lifetime Advisor

In 2007, I was a full-time home trader with more than a decade of professional trading and investment experience. While doing well for myself, I became inspired to help others reap the benefits of good financial planning and to pay it forward.

Today, my clients, which include regional M&A lawyer, senior management of MNCs, CEO of a property investment company and successful HNW business owners turn to me for sound financial and estate planning advice.

After serving more than 500 individuals, families and corporations, their Key Number 1 Question remains:

“Kelvin, Do I have the right plans to protect my family and love ones if something happens to me or my business?” Are they the best value for money plans for me?

The answer lies in what I specialise in:

? Review and Restructure your current Financial Plans for Individual to produce the 3Ms result :
Save $Monies? / optimised $Monies ? /Grow $Monies ?
? Retirement Goal Setting & Legacy Planning through our unique SWG Wealth Journey planning
? Business and family succession planning for successful business owners

For more than a decade, my greatest source of pride and motivation has been consistently receiving my clients’ compliments and being referred to their contacts as someone who is
? trustworthy,
? who can understand their actual needs and concerns,
? provide them with what they need.

Providing them with invaluable “peace of mind” when it comes to focusing on their
? work, ? family, and ? passions,
knowing that all areas of their financial life are being assessed and covered with the best products available in the current market.

It had been my pleasure to assist clients from different life stages and backgrounds to achieve their peace of mind and focus on what was most important to them at that particular time. ???

Please feel free to reach out to me HERE if you wish to achieve your peace of mind too.

Advising and Educating: Imparting Financial Literacy
As an independent financial advisor representative, Kelvin goes the extra mile by educating his clients on the importance of financial planning and the various products available to them. Rather than simply presenting a proposal and encouraging them to sign on the dotted line, he wants them to understand the financial blueprint he has designed for them. To Kelvin, it’s important that they realise how sticking to the plan will benefit them in the long run in order for them to commit wholeheartedly to it.

“When a client understands the rationale behind the planning and that they are contributing to their retirement, not just paying premiums to a provider, they would naturally want to commit to it.”

His promise to his clients is to always deliver unbiased, neutral, and honest advice to help them achieve their financial goals. He strongly believes that with proper financial planning and retirement planning, anyone can achieve financial freedom and have a dignified retirement regardless of the size of their paycheque.

“Having financial planning is a step-by-step approach to achieving your life goals. It helps prepare you for the next stage. It is an ongoing process that evolves as you progress through life and your priorities change.”

Throughout his financial advisory career, Kelvin has worked with clients from various backgrounds: from legal professionals and business leaders of MNCs to CEOs and self-made business owners.

$ 0

Total Sum Protecting my Clients

$ 0

Investment Under Advisory

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Years in Industry

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Testimonials

“We want the reassurance that we would not burden our children and be financially dependent on them when we retire in the future. We were particularly interested in retirement planning strategies and how we can accumulate our wealth to retire comfortably.”

Here is the full testimonial.

Zheng Junfang

Analyst

Goal: Financial planning, Retirement planning “My friends asked why I would pay for a portfolio review as most agents would do it for free. I was willing to pay for a professional review as I wanted someone who could provide an all-in-one solution for my financial needs from an unbiased point of view. I respect the hidden hours a good independent financial advisor representative puts into analysing and planning for my needs.” Yong Chunk Cheun is a senior director in his late 40s. As the sole breadwinner in his family with a young child to care for, he wanted a competent independent financial advisor representative who would be able to provide him with a one-stop solution for all his insurance needs. He knew that this would save him a significant amount of time and give the independent financial advisor representative a more complete, holistic view of his needs. Chunk Cheun also wanted a second professional opinion on his current portfolio. A client referred Chunk Cheun to Kelvin. Kelvin used Soul Wealthy’s Wealth Journey to conduct a comprehensive review, identifying potential shortfalls and gaps in his portfolio. During the review, Kelvin recommended a variable universal life plan based on Chunk Cheun’s current life stage and needs. A variable universal life plan is a type of life insurance policy with a built-in savings component, which allows the cash in the savings component to be invested for greater returns. Chunk Cheun was surprised as it was not a common type of policy and definitely something he had not considered before. Chunk Cheun was convinced by the variable universal life plan but eventually bought it from another advisor. “Even though Kelvin was the one that proposed the variable universal life plan, I ultimately bought the plan through my wife’s relative because of the family relationship. Kelvin reassured me and told me that I did not have to feel bad about it as I was the one that paid for the plan.” Later, however, Chunk Cheun felt that his variable universal life policy was not being properly implemented and maintained, so he went back to Kelvin for help.

Yong Chunk Cheun

Senior Engineering Director

Goal: Retirement planning, estate planning “As a business owner, I understand the importance of proper financial planning as having the appropriate insurance can help provide my family with financial security if anything happens to me. But I never had the time to figure out the right coverage for my family.” Khoo Kay-Tek is a successful business owner in his late 40s. As the head of a family of six, he needs to ensure that they would be well taken care of if anything untold were to happen to him or his earning power. In addition to financial protection, Kay-Tek also wanted an independent financial advisor who could handle estate planning for him. When Kay-Tek first met Kelvin, it was through a mutual friend — she eventually became his wife. With the responsibilities of a family on his shoulder, and as he progressed through life, he decided it was time to relook insurance coverage and protection for his entire family. He turned to Kelvin. By using Soul Wealthy’s Wealth Journey checklist, Kelvin consolidated Kay-Tek’s current policies, which were mainly for himself, not his family. From there, Kelvin was able to assess and identify the protection gaps. “I wanted to be able to ensure that my family’s medical and hospitalisation needs were addressed and covered. Kelvin asked some key questions pertaining to the type of care I wanted and proposed several policies for me to pick, which was very helpful.” As a busy business owner, Kay-Tek appreciated how organised and detailed Kelvin was. All the necessary documents were prepared and explained in detail, which helped Kay-Tek understand the policies that Kelvin had shortlisted for him. All he needed to do was decide and sign on the dotted line. Kay-Tek also liked that Kelvin structured his proposal according to his objectives, with every plan like hospitalisation and retirement policies organised by objective and summarised with simple and easy-to-understand pointers. Being an independent financial advisor representative, Kelvin has access to a wider range of financial instruments to better meet the needs of diverse clients. This allows him to be a one-stop solution provider, which is not only more convenient for his clients but also more holistic in his service. With the right coverage in place, Kelvin continues to check in on Kay-Tek several times a year. This is something Kay-Tek really appreciates as he has experience with independent financial advisor representatives who vanish after he signed up for the policy. “I am happy that Kelvin takes the time and effort to update me regularly and check on my policies up to 2 to 3 times a year. I would be happy to introduce my friends and family to him as he is responsible and trustworthy!”

Khoo Kay-Tek

Entrepreneur

Chasing Dreams Goal: Financial freedom “I can already see myself 20 years later being financially free to live my dreams. I love baking, cooking, and interacting with people, so my dream is to set up my own café.” Olivia is only in her 20s but she has big dreams for the future. The young HR executive dreams of setting up her own café in the future. She knows that her dream is capital intensive and comes with a significant amount of risks, so she is laying the foundation with financial stability. Before meeting Soul Wealthy and Kelvin, Olivia had already bought many policies from a reputable global insurance firm in Singapore. A substantial part of her salary goes towards servicing these policies. “I took up a number of insurance and investment-linked policies after I started working but I realised they were not suitable for me.” During their first meet-up, Kelvin took the time to understand her financial goals. He then used Soul Wealthy’s Wealth Journey to assess her current status and what it would take to reach her goal. In the process, Kelvin became impressed with Olivia’s plans for the future, admitting that she changed his perspective of Millennials being more short-term focused. It made him even more committed to helping her reach her dreams faster. Understanding that the right policies can fast-track her dream while the wrong ones can slow down progress, he proposed restructuring her portfolio to increase returns while keeping the premiums, protection and benefits the same. “With Kelvin’s help, my policies are earning me four times more returns for the same annual premiums. Now, I feel like I am reaching my goals four times faster. The journey to financial freedom is long but if you don’t stop dreaming, you will get there in time.”

Olivia Syn Ou Li

HR Specialist

Phone

Low Jiun Neng Kelvin

MAS REP No.: LJN300132190

Financial Advisory Manager

Your Most Trusted Lifetime Advisor

After serving more than 500 individuals, families and corporations, their Key Number 1 Question remains:

“Kelvin, Do I have the right plans to protect my family and love ones if something happens to me or my business?” Are they the best value for money plans for me?

The answer lies in what I specialise in:

It had been my pleasure to assist clients from different life stages and backgrounds to achieve their peace of mind and focus on what was most important to them at that particular time. ???

Please feel free to reach out to me HERE if you wish to achieve your peace of mind too.

Throughout his financial advisory career, Kelvin has worked with clients from various backgrounds: from legal professionals and business leaders of MNCs to CEOs and self-made business owners.

FAQC 2021 – Merit Award

FAQC 2022 – Merit Award

FAQC 2023 – Merit Award

$ 0

Total Sum Protecting my Clients

$ 0

Investment Under Advisory

0 years

Years in Industry

Low Jiun Neng Kelvin

Financial Advisory Manager

#ChooseIndependent:

Learn more

My Events

Upcoming Events

Quick Insurance Comparison

Personal Accident Insurance

Travel Insurance

Motor Insurance

Testimonials

Zheng Junfang

Analyst

Yong Chunk Cheun

Senior Engineering Director

Khoo Kay-Tek

Entrepreneur

Olivia Syn Ou Li

HR Specialist

My Contact

Enquiry

Social

Low Jiun Neng Kelvin

#ChooseIndependent:

Learn more about:

My Events

Upcoming Events

Quick Insurance Comparison

Personal Accident Insurance

Travel Insurance

Motor Insurance

Testimonials

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