Introduction  |  Track Record  |  My Story  |  Testimonials  


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Introduction  |  Track Record  |  My Story  |  Testimonials  

Work Experience / Resume

Being a burden to anyone is the last thing I want to be, be it financially or physically. This is always in my mind since I was young.

I started working during my O Levels year when my dad, the sole bread winner, was unable to support me further. At 16, working part time, I took up a simple term policy of ¼ million to cover myself so that I will not burden my parents if anything were to happen to me. My financial planner then found me a uniquely responsible teen. He waited years after I graduated and joined the workforce for a while. Eventually, I realised financial planning is still the closest thing to my heart. I joined Alliance 2009 and immediately I have another family, thereafter.

My proudest moment as an FP was when I managed to convince a client to take up a Life Insurance policy as she initially planned to buy an investment plan instead. After 3 hours and 3 appointments, she managed to understand my perspective. She thanked me for spending so much time with her to explain the reason why I really thought that with her budget, she should start a Life Plan instead of an investment plan that will not give her the coverage for the loss of income and cost of treatment since investments plan run a risk of being liquidated at an unfavourable price.

I like using my newly learned knowledge and skills to help my clients. When they can see the effort that I made by taking up courses and training, it really warms my heart.

Years in financial planning: 11

Areas Of Specialty

My clients are quite like me! Friendly, responsible, loving their families, with the same mindset of never being a burden to their loved ones.

I enjoy brainstorming together, making sure every single bit of hard-earned money is utilised well for our families to have the best we can afford, without compromising our protection coverage.

  • Life Insurance
  • Medical Insurance
  • Retirement Planning

Awards + Achievements

1st in Quarter 1 2013 & 600% Growth
Associate Estate Planning Practitioner® (Cert.AEPP) in 2019
Recognition of 11th years of Loyal and Dedicated Service in 2020

         
Introduction  |  Track Record  |  My Story  |  Testimonials  

What I am passionate about

I’m a foodie. I love to cook as well. I like to travel to places, try different cuisine and bring back local ingredients to try out at home with my loved ones.

We love to take pictures of the places we visited, and have it printed out on albums so that our little one can see where we went and what we did. We have a mini library of our travel story books.

A boliao thing I love to do…I love to clean my house =) After that, I like to look for other things to wash. Clothes, rugs, bedsheets, towels. Love having a super clean house.

The hero in my life is my dad. He works super hard each day, to make sure that we have food on the table. He never took a day of MC. A man of few words, he shows his love for us via his actions. He took up a second job when we were older and needed more money for schooling. As a mechanic, he does not wish that we go through the same hardship that he went through, so he made sure we get to finish our education.

We are who we are, because of him.

My buddy at work is Stephanie. We click almost instantly. We have been through tough times together and we constantly encourage each other to do the things we love doing, so that we can be best at what we do.

To me, Alliance is my second family. We think and work like one, helping our clients to plan in case unexpected things happen.

         
Introduction  |  Track Record  |  My Story  |  Testimonials  


Having some confusion over what I should do to my financial portfolio in the shortest time to achieve my goals.

Ann has used the #1 Preferred Financial Planning Software that helps me to plan my financial goals for my future with clarity, provide me with a professional detailed report to show me which is the gap that we should be focusing on.

Ann shares with me her own financial plan for her family for me to get a better picture of what is possible and how can we restructure it to suit my family at best.

We get to materialize the plan that we zoom into after a couple of discussion and we both agreed that is the most urgent thing to take action immediately after we finalized it based on our discussion with consideration of my existing portfolio.

Ann has shown genuine concern and care for my personal life and needs, beyond providing financial advice

– Dian Karnina, Psychologist/Manager, Alex Harmony Lodge



I knew Ann through one of my friend's recommendations when I was looking for a health insurance product in 2011.

Back then I just came to Singapore and was not very sure what to expect.

Ann shares with me her family health care plan to help me understand and get a better picture of the product that suits my needs.

Through some discussions, Ann provides me detailed explanation regarding the plans and helps me to build my portfolio.

I feel comfortable with Ann's working style as she always prompt, efficient, knowledgeable, and friendly. Ann always responsive when I have questions or concerns with my insurance policies, even when she was living overseas a few years back. Ann also cares to understand her client’s needs.

I highly recommend Ann to anyone who is looking for an experienced and reliable insurance agent and financial planner.

– Putri Damarwati, Music Director/Principal



I knew Ann from a friend in my workplace as I have a young family back then and have no clue on how to plan out my financial plan in order to protect my family if any unforeseen situation were to happen.

Ann spend a lot of time to explain to me about the possible plan and how each plan will benefits myself and my family as I do travel a lot for work therefore will really need some plans to take care of my family in the event I’m not in Singapore and they will be able to handle it.

After the thoughtful discussion, we put in place certain plans that I can have a peace of mind to travel out station and able to make sure that my family will be taken care of with Ann around to help them out in need be.

In today’s world where everyone is busy with work and family, we hardly have time to sit down and analyses the importance of which insurance coverage is best suited for us. Therefore, it is of utmost importance to have the guidance of a reliable and experienced financial planner. I would highly recommend Ann to be the first choice of anyone seeking assistance in this field.

– Aneel Jay Utwar, Station Manager, SBST Pte Ltd



I met Ann as a referral from AXA Headquarter when I have doubts over which medical plan that will best suit my needs.

She arrived punctually and patiently waited for me to arrive. She was very thoughtful to make sure that the plan that we decided to take up will be an advantage to me and cost saving at the same time. She makes sure the plan suit my needs and within my budget after we have discussed all the benefits in the plan.

I’m grateful to have found a financial planner that is genuinely nice and care for me as a person and friend, who can be very honest with me with the benefits.

– Cecilia Tan, Business Owner



Because of my bad experience with previous financial advisers, I developed a mindset that the financial products sold by insurance companies are not beneficial for me. But I know there must be some good products because I have seen success stories. I just need to find the right adviser.

Ann first tried to understand what are my financial planning needs and take me through the process of meeting my goals with the budget that I have. Ann is also very knowledgeable in terms of the AXA product knowledge and how it compares with similar products from different companies. Throughout the process of knowing her clients better, she always manage to offer the most optimum financial solutions.

I feel that I finally find a financial adviser who really cares about my financial needs instead of trying to make the most profit out of me. Meeting Ann definitely changes my whole perception about the industry and I feel very satisfied with all the financial products that I got from Ann. Along the way, she also consistently monitor the product availability and perform a consistent review of my needs, so that we can continue to adjust the financial products to adapt to my changing situations.

I'd say the most important thing in your financial journey is to meet the right financial adviser. There are many black sheeps out there, but there are equally many white sheeps who care about you too. And If you want to have a 100% certainty of getting the honest financial adviser who will treat you with empathy and offer the most optimum solution for you, I wholeheartedly recommend Ann to be your lifelong financial adviser.

– Hans, Head of Business Development - Airtrunk Singapore



I was looking for a retirement plan. There are different types of plans in the market. It is very confusing and I don't know where to start and which plan is best to me.

I approached Ann as she is my trustworthy financial planner. She walked me through the process eg.how to meet financial goals, gave me professional advices specific to my situation, and strategies to help me stick to my financial plan. She used her in-depth knowledge of various financial products to make product recommendations based on my budget and needs.

Finally I made my decision and invested AXA Retire Happy Plus. I felt comfortable about the process. Ann took time to listen my concern and respond it quickly.

If managing your finances leaves you feeling stressed out or confused, Ann will definitely be the one you should go to.

– LayLay Leow, Accountant



Needed some guidance around what are the options available for me to best leverage on my existing funds to support my future plans.

Ann has used the #1 Preferred Financial Planning Software that helps me to plan my financial goals for my future with clarity, provide me with a professional detailed report to show me which is the gap that we should be focusing on.

Ann share with me her own financial plan for her family in order for me to get a better picture of what is possible and how can we restructure it to suit my family at best.

After several consultations with Ann, we were able to identify a few viable options that were suitable for us. With Ann's help, we narrowed down to the ones that were most critical for us. I was impressed with Ann's swift response to action on our selection options and turn it around quickly.

Regardless of your current financial situation, it is always worthwhile to speak with an experience Financial Consultant such as Ann who will be able to advise you on the options that are available that can best meet your requirements.

– Daniel Ho, Product Market Director - Arkadin Global Conferencing



I’m looking for Saving for rainy day, retirement plan and education plan for children.

Clarity and an overview were provided for a better picture. Ann also took the initiative to sum up all the plans that we have purchased from various companies before proposing what other plans is required.

The overall process was great and Ann was able provide us with the best advice possible based on our financial and current needs. While I can never remember what plans/coverage I have purchased, I am always assured by Ann that she is one call away. That's how friendly and responsible she is!

It is never too early to start planning for Retirement! You have to start implementing it as soon as you can and you really need to contact Ann the soonest you can!

– Sandy, Childcare Principal



I’m concern about my overall portfolio premium and critical illness coverage till old age.

Ann and I, both we agree on a solution which serves my needs better in the longer term and helps me in cost savings. Ann took the effort of taking up a new course in order to help me and her clients to take a step up in our estate planning journey. The process was smooth and I was able to make a prompt decision with the proposal and recommendation given.

Financial planning is a journey, not just a sales process. In today busy working life, we often find ourselves forgetting to keep up with our protection needs and wealth accumulation for old age. Hence, it’s important to find someone you trust and comfortable with to help give you the peace of mind. Ann is my most trusted planner and she will definitely be there to walk this journey with you.

– Pei Ling, Admin Executive


         
 

I believe in a win-win outcome. If the client must spend money, it must benefit her or his cause. That is top priority to me.

This year marks my 31st anniversary in this career - this is my first job and it will also be, my last.