Since young, I have always been interested in personal finance and managed to save up a decent amount of savings. As an avid learner of investing, I attended talks, courses and paid for online courses from Financial Horse, Udemy, edX, Coursera, etc. Not forgetting my favorite pastime of watching finance-related YouTube videos and reading lots of financial blogs/books.
I finally embarked on my journey to the world of investing at the age of 19 by buying into Temasek bonds and SSB. At the same time, I used robo advisors for a good one year before starting to DIY my investment portfolio. I made lots of mistakes and gained a wide variety of experiences. (read here on my mistakes)
Back in school, I enjoyed sharing with friends financial tips, investing, and other potential opportunities. A few years ago, my good friend, Gabriel, recommended me to join the Financial Advisory industry as I have always liked to share about Personal Finance Tips and the idea of investing at an early age. I also started to blog about Personal Finance.
Later on, I got “recruited” by one of the insurance companies and took my first 4 papers with them while still doing my due diligence on whether I made the right choice. After attending a few training sessions, I felt that it wasn’t for me and not what I expected it to be like. I guess some things as a tied agent still have not changed.
I paid them back the full amount that they “sponsored me for free” and wanted to end things nicely with them. However, they got really aggressive and it was an eye-opener for me. After a long struggle of ending things with them nicely, I moved on to explore the FA industry.
Meanwhile, I got approached by various insurance companies and they painted me a dream about all the “good stuff” of their business. However, I was determined to join the one that I’m looking for. I almost joined another company as they portrayed themselves to be independent but I then realized that wasn’t the case after hearing about the various type of schemes offered.
I continued to take up to 6 different certifications while looking for the one that fits me best. While exploring the various types of jobs relating to Financial Planning and with the help of some forums, blogs, and opinions of the public, I came across Financial Alliance, the largest IFA in Singapore. And fortunately, after approaching them, I managed to find a very suitable mentor, who is also a Certified Financial Planner (CFP) and a trainer of the CFP program.
Fast forward today, I am glad I took a long route exploring and discovering before deciding on the right one for me. Being ethical and professional is a must as it also matches my personality of being honest, transparent, and wanting a meaningful career to make a positive difference in people’s lives.
If you are interested to know more about my story and what kind of journey I went through, feel free to reach out to me here.
Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.
I came a long way experiencing what a young adult might face when stepping into the world of Personal Finance. (click here for my past history)
I tried many types of investments, made mistakes, took losses, and made solid gains. However, it wasn’t a sustainable solution and I knew I had to do something about it. I was putting a big chunk of my net worth in investments and neglected other areas of my financial plan.
Things changed when I started to do a FINANCIAL HEALTH CHECK (see Specialties tab) and learned about ethical and proper LIFE PLANNING. All along, I thought I was doing well as I am quite a saver, have got insurance and my investment portfolio reached an all-time high (a lot of luck involved). But the fact was, I DON’T KNOW WHAT I REALLY HAVE 🤷♂️, WHAT I AM DOING IS NOT SUSTAINABLE🙅♂️, and that Insurance does not equates to Financial Planning.
Through proper LIFE PLANNING, I now have a clear direction and have actionable steps to take to reach my financial goals with peace of mind.
Fast forward today, I work with a team of professionals, and represent my clients’ best interests. I am passionate about what I am doing and would love to help elevate the quality of your life through proper planning. As a Financial Advisory Consultant, I do not represent any financial institution and therefore, I am able to provide unbiased advice and my honest opinion.
To know more about what I do, please click here.
Click here to know more about my story.
