Lawrence Koh, Wealth Optimisation Specialist (ChFC®,IBFA Level 3, ASEP®, AEPP®)

Associate Director

(MAS REP No.: KBK200211234)

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Take control of your life insurance by exploring our self-service options, offering autonomy and flexibility for knowledgeable individuals.

Wealth Optimisation, Life Transformation!!!

Working 9 years in the chemical industry both in the process and raw material sales has helped to hone my optimisation and account management skillset and serves me well for the last 12 years in the wealth management arena as financial goals for most people are always limited by their risk profile, available resources and the time left.

I believe earning money is a full time job and wealth optimisation is another full time job so most people who are unsatisfied with their financial outcome is because they are optimising their wealth management on a part time basis.

My existential reason to be in this industry is to help elevate normal household to a million dollar household through my proprietary financial freedom planning practise because a million dollar is merely $50,000 per annum for 20 years and $50,000 per annum shared by you and your spouse is hardly a reasonable living standard let alone 10 or 20 years down the road.

All my clients are responsible people by nature and if you are someone who does not wish to become the financial burden of your love ones or does not wish to be at the mercy of retrenchment, I would love to work with you on how to create your alternative source of passive income.

Motivated caterpillars can never deliver a butterfly outcome. Transformation is key for change. Financial Freedom is made easy if you work with people who know the way, compound with good wealth management habits

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?Tax Optimisation, Wealth Acceleration?

Retirement Planning

Income Replacement Planning

University Fees Funding Planning

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Testimonials

As me and my husband is looking for pregnancy insurance, Lawrance was providing all the relevant information professionally, and we really learn a lot of new knowledge thru the sharing session with him. Highly recommended Lawrence as your insurance agent 👍🏾👍🏾👍🏾

Ee Hui San

Sales

I have known Lawrence for close to a decade and he has been an integral part of my family’s life assisting us selflessly and patiently with all our insurance needs. He is a God sent to my life as he has advised and supported me through my mum’s advanced cancer treatments as well as my father’s ailments. The 5 Stars on this review does not suffice – Lawrence is a Bright Northern Star and always guides you towards decisions that have your family’s best interests at heart. I cannot recommend his services enough and am eternally grateful for his presence in my family’s life.

Syaza Aris

Senior HSE Consultant

I know Lawrence for a while now and I can vouch for this command over his subject and he is an excellent financial planner. He is a knowledge power house and he is a go to person for me for financial planning advice and estate planning; his explanations and logics of why planning, why planning early and why planning now is just spot on.

Naveed Hussain

Financial Services Professional

Lawrence had helped me to create an investment portfolio for investment and legacy planning. I must say he is very knowledgeable and shared things from a different perspective that we often overlooked and not even considered.

Dylan Liau

Coach

I had the good fortune to know Lawrence recently as he painstakingly advised and helped me with a hospitalisation plan. He is very knowledgeable and gives the right advice always considering the family as a whole. He was exceptionally proactive when it came to my recent claim and made sure my claims were submitted properly and approved. I thank him very much. I will not hesitate to recommend Lawremce to anyone you needs financial planning.

Rajamohan Munisamy

Business Owner

Hi Lawrence Thank you for sharing with me your knowledge on financial matter. I just wished I had known you earlier to grow my wealth but nevertheless you still gave me assurance that it is possible to grow my wealth using plan B method. I sincerely appreciate your openness, honesty and had shown how we have been over paying our insurance based on same coverage. Kuddos to you and I would highly recommend Lawrence to my friends and family.

Kelvinder Morris

Administrator

Thank you Lawrence for spending your unconditional time explaining what I need to focus now, how to go about it and also help me understand the importance of self care before others. Lawrence also shared that there are major changes will sets in for medical integrated shield plan. As a healthcare professional, I understand the importance of health protection. Despite many initiatives that government try to inform us about the changes, I was unaware of it until Lawrence highlighted it. Glad to have the opportunity to speak to him personally. He does not hard sell product or any policy. Being impartial, he always ensure that clients need are met. To be honest, I have learned and understand so much just within the short period. Lawrence is humble and willing to share his financial knowledge. Beside that, he also help me weight which is better, if repricing or refinancing our mortgage loan. I have saving of more than 4k. Thank you for your time and help. 😉 Will recommend Lawrence to anyone who need to work on your financial goal.

June Lam

Healthcare Profesional

Lawrence is one of the few financial advisors I have know who can effectively explain financial & investment products information, its technical jargons and complexity, in layman terms. What we also appreciate is his professionalism, transparency and authenticity in our discussions and making sure we understand the information he shares. Definitely someone you should reach out to if you need clarity on financial and investment planning.

Emmeline Cheong

Regulatory Affairs Manager

When signing up for an insurance plan, make sure to look out for the clause that provides coverage if you are not able to perform 2/3 out of the 6 activities of daily living. Most insurance companies tend not to provide this but these are common side effects of critical illnesses. Thanks Lawrence for making me aware of these, sharing this for everyone’s benefit.

Apurva Bharade

Senior Client Executive

One of the mark of a competent and successful financial advisor is to be able to read the markets well most of the time and Lawrence has proven that many times over the few years I have known him. He was able to turn around a loss making portfolio into a profitable one, reap a tidy profit from the India elections that brought Modi to power and now more recently looking for opportunities amidst the covid19 pandemic, probably the biggest challenge of his career. I am confident of his dedication to see us through this difficult period with just the right mix of prudence and foresight. Thanks for all your hard work,! Much appreciated!

Dhanvanti Dadlani

Educator

Lawrence is full of knowledge and he is generous in sharing his knowledge. He always make sure you understand what are you committing to. He has explained a lot on how to get the just the right amount of insurance coverage, how to maximised investment from OA to achieve minimum sum faster, what long term investment should be, how accrued interest will not affect minimum sum and only has impact when you sell your hdb, the list goes on. He is definitely a trusted financial advisor.

Kimberly Lim

AML Compliance Specialist

The endowment market has developed into 5th generation where we will usually consider product where the savings is 100% guaranteed and annual coupons collected will not reduce your capital savings citing maturity. This is sharing from Lawrence when I was asked to purchase a first generation endowment plan. Other insurance agent can only see plans offered by their company… As a financial consultant, Lawrence, help the client to find the right company. He is also well versed in other investment strategies. Thank you Lawrence for your expertise and professionalism.

Dr Tan Siok Bee

Deputy Director

I got to know Lawrence through his subordinate and I have to say Lawrence is a very experienced Financial Advisor. One who sincerely wants to help his clients to understand what they had signed up for and what was better for them instead. He gave good presentation with numbers and facts to compare which helps me (I am more a visual person). At one glance, you do not need to be an expert to understand. I like the way his is always cool and try to explain clearly until I fully understand. It is the kind of good traits in him that makes his shine from the rest of the FA I knew. Thanks again for helping me out in my Dividend portfolio and Growth portfolio. As well as going that extra mile to answer in detail to my queries on random things like re-financing of my mortgage loans. ?

Tiffany Ong

Chief Consultant

Very useful pointers about endowment plans return whenever a proposal comes. I usually consult Lawrence because he provides good knowledge and comparative analysis of the various options available.

Jai Simman

Lecturer - Language & Communication & Culture Studies - Temasek Polytechnic / Freelance Editor

Lawrence has helped me develop my foresight by sharing his knowledge and guiding my decisions around financial planning. He is dedicated to helping his clients achieve financial freedom by bringing clarity to your plans and careful assessment and attention to your needs!