BSc, MDRT
Financial Services Consultant
My Personal Story
“By failing to plan, you’re planning to fail.”
In times of uncertainty and stress, these wise words by my father always come to mind.
They were also the reason why I wanted to join the financial services industry in the first place, eschewing a potentially lucrative career in quantitative finance, for a role I am much more passionate about: to be the lighthouse for people seeking safe harbour when they face their strongest storms in life.
In my second year at NUS, I was open to explore my options.
While my peers marched off into run-of-the-mill programming internships, I decided that I wanted to explore other options, combining my financial background with a desire to help people more directly, leading me to embark on an internship with a large financial services provider.
Little did I know that my fleeting curiosity would eventually manifest into a passion for something so much greater than myself.
I have always viewed insurance as an interestingly powerful financial tool, to multiply one’s emergency fund and net worth, all while leveraging on a small and controllable cost.
And while I always thought it was interesting, never would I have thought that it would one day become my life’s mission.
I want to help people grasp the importance of financial planning, as well as having a competent and meticulous agent – someone who has an extensive product knowledge and is able to help people so that they can put their purchased policies to full use.
I also strive to be a responsive advisor who is always there for their clients, especially when unplanned incidents occur.
A particular incident was etched firmly in my mind.
It is about the story of Jayden (not his real name), whom I met through telemarketing during the early day of my career.
He was initially skeptical and told me that the only plan he bought was a savings plan, which took up most of his available budget for planning, hence he did not want to take up any additional plans.
I knew I had to convince him to take up a hospitalisation plan, as medical expenses in Singapore are enormous and he is the sole breadwinner.
After several meet ups, he finally heeded my advice.
The following year, he called to inform me that his doctor diagnosed a heart condition during an annual medical check-up and advised him to undergo surgery.
Noting his anxiety about the surgical fees, I assuaged his concerns and assured him that AIA would take care of his bills.
As a result, he went for the surgery with peace of mind. During his recovery, I visited him, and I was touched by his gratitude – “If I hadn’t listened to you back then, I wouldn’t have been able to afford to undergo the surgery. Thank you.”
While I love value-adding to clients like Jayden, I am also someone who prioritise personal growth, which was something I felt was lacking in my previous team.
Odyssey came into mind because Don is a friend whom I have come to know and kept in touch with for several years, and I observed that he seems to be doing very well and enjoying his work greatly.
Thus, I took a leap of faith to make a switch and that was how I ended up in Odyssey.
I am thankful for the exceptional mentorship, high ethical standards, the resources we have in place to help our clients, the drive of everyone, and the selfless culture in this organisation.
Thank you for reading my story, I am Shirlene and let me guide you through life’s adventures because I promise to deliver nothing short of my best to my clients.
Testimonials
Read More About What Others Have To Say About Shirlene
”Shirlene is a highly conscientious advisor, who is friendly and meticulous in dispensing financial advice. She is very knowledgeable about her subject matter, being a quantitative finance graduate. I have learned a lot about planning ahead and benefitted greatly from a comprehensive review of my existing portfolio. I strongly recommend her to anyone feeling at a loss with regard to preparing for their future.
Ng Jing KangCommodities Trader
”I’ve known Shirlene for a long time now and can say that she’s always been meticulous, thoughtful and one who guides herself with firm principles. It’s clear that she finds great passion in being able to impact the lives of others. I appreciate that she’s upfront yet sincere in communicating across advice and always constantly refining her knowledge about good financial planning. Glad to have her as a good friend and advisor.
Chan Wan QingMedia Executive
”Shirlene has been really helpful in giving financial advice to me. She was very patient and assuring in clarifying all my doubts. Unlike many agents out there who will hard-sell their products without focusing on our needs, Shirlene only recommended policies based on my needs and gives me the freedom to decide how much I am willing and able to put in. She is one of the most sincere financial advisers I have met and I will definitely recommend her to those that are looking for someone trustworthy!
Denise NgData Analyst
”Shirlene is super detailed and passionate about her work! I can trust her fully to recommend the policies best suited for my needs.
Shalynn YeoAuditor
Thank you for reaching out to me and for educating me when I am so clueless:
”Shirlene is an efficient and passionate advisor who takes great pride in her work as well as the advice she gives. She ensures that she does her part to come up with a portfolio that is personalised for your age and needs. Thanks Shirlene!!
Alyssa TohBanker
”Shirlene has always been super helpful and caring. I trust her to give me the good advice and have my best interest at heart. She’s always clear with her explanations and pays special attention to her work. Will definitely recommend her!!
Ally TanExecutive Assistant
”Shirlene is very thorough and knowledgeable in what she does. She goes above and beyond what is expected of her at every step of the way and makes you feel like you’re in capable hands. (:
Michelle ChiamLawyer
”Shirlene is a very knowledgeable and meticulous advisor. Her professionalism in what she does led me to be able to entrust my portfolio with her. She is able to clarify and help if there are any questions as well. She would also understand each individual's goals and expectations earnestly, before suggesting suitable policies for her clients. As such, I am now able to better plan for my future.
Kenny NgBanker
Shirlene Toh
BSc, MDRT
Premier Consultant
My Personal Story
“By failing to plan, you’re planning to fail.”
In times of uncertainty and stress, these wise words by my father always come to mind.
They were also the reason why I wanted to join the financial services industry in the first place, eschewing a potentially lucrative career in quantitative finance, for a role I am much more passionate about: to be the lighthouse for people seeking safe harbour when they face their strongest storms in life.
In my second year at NUS, I was open to explore my options.
While my peers marched off into run-of-the-mill programming internships, I decided that I wanted to explore other options, combining my financial background with a desire to help people more directly, leading me to embark on an internship with a large financial services provider.
Little did I know that my fleeting curiosity would eventually manifest into a passion for something so much greater than myself.
I have always viewed insurance as an interestingly powerful financial tool, to multiply one’s emergency fund and net worth, all while leveraging on a small and controllable cost.
And while I always thought it was interesting, never would I have thought that it would one day become my life’s mission.
I want to help people grasp the importance of financial planning, as well as having a competent and meticulous agent – someone who has an extensive product knowledge and is able to help people so that they can put their purchased policies to full use.
I also strive to be a responsive advisor who is always there for their clients, especially when unplanned incidents occur.
A particular incident was etched firmly in my mind.
It is about the story of Jayden (not his real name), whom I met through telemarketing during the early day of my career.
He was initially skeptical and told me that the only plan he bought was a savings plan, which took up most of his available budget for planning, hence he did not want to take up any additional plans.
I knew I had to convince him to take up a hospitalisation plan, as medical expenses in Singapore are enormous and he is the sole breadwinner.
After several meet ups, he finally heeded my advice.
The following year, he called to inform me that his doctor diagnosed a heart condition during an annual medical check-up and advised him to undergo surgery.
Noting his anxiety about the surgical fees, I assuaged his concerns and assured him that AIA would take care of his bills.
As a result, he went for the surgery with peace of mind. During his recovery, I visited him, and I was touched by his gratitude – “If I hadn’t listened to you back then, I wouldn’t have been able to afford to undergo the surgery. Thank you.”
While I love value-adding to clients like Jayden, I am also someone who prioritise personal growth, which was something I felt was lacking in my previous team.
Odyssey came into mind because Don is a friend whom I have come to know and kept in touch with for several years, and I observed that he seems to be doing very well and enjoying his work greatly.
Thus, I took a leap of faith to make a switch and that was how I ended up in Odyssey.
I am thankful for the exceptional mentorship, high ethical standards, the resources we have in place to help our clients, the drive of everyone, and the selfless culture in this organisation.
Thank you for reading my story, I am Shirlene and let me guide you through life’s adventures because I promise to deliver nothing short of my best to my clients.
Testimonials
Read More About What Others Have To Say About Shirlene
”Shirlene is a highly conscientious advisor, who is friendly and meticulous in dispensing financial advice. She is very knowledgeable about her subject matter, being a quantitative finance graduate. I have learned a lot about planning ahead and benefitted greatly from a comprehensive review of my existing portfolio. I strongly recommend her to anyone feeling at a loss with regard to preparing for their future.
Ng Jing KangCommodities Trader
”I’ve known Shirlene for a long time now and can say that she’s always been meticulous, thoughtful and one who guides herself with firm principles. It’s clear that she finds great passion in being able to impact the lives of others. I appreciate that she’s upfront yet sincere in communicating across advice and always constantly refining her knowledge about good financial planning. Glad to have her as a good friend and advisor.
Chan Wan QingMedia Executive
”Shirlene has been really helpful in giving financial advice to me. She was very patient and assuring in clarifying all my doubts. Unlike many agents out there who will hard-sell their products without focusing on our needs, Shirlene only recommended policies based on my needs and gives me the freedom to decide how much I am willing and able to put in. She is one of the most sincere financial advisers I have met and I will definitely recommend her to those that are looking for someone trustworthy!
Denise NgData Analyst
”Shirlene is super detailed and passionate about her work! I can trust her fully to recommend the policies best suited for my needs.
Shalynn YeoAuditor
Thank you for reaching out to me and for educating me when I am so clueless:
”Shirlene is an efficient and passionate advisor who takes great pride in her work as well as the advice she gives. She ensures that she does her part to come up with a portfolio that is personalised for your age and needs. Thanks Shirlene!!
Alyssa TohBanker
”Shirlene Toh has been a very knowledgeable and professional advisor. She would take the time to understand each person’s goals and expectations earnestly, before making any recommendations. This allowed me to have a better sense and planning for my future.
Aaron Michael de SilvaBanker
”Shirlene is very knowledgeable with not just plans within AIA, but across the other agencies as well. She is a meticulous person who ensures you are well covered with the necessary plans and she gives the best advice in helping you manage your finances. Look no further if a reliable and trustworthy consultant is someone you have in mind!
Benjamin FongPolice Officer
”Shirlene is very thorough and knowledgeable in what she does. She goes above and beyond what is expected of her at every step of the way and makes you feel like you’re in capable hands. (:
Michelle ChiamLawyer
”Shirlene is extremely knowledgeable about the products and explains them clearly and concisely. would recommend her to anyone who is seeking financial advice.
Benjamin SohConsultant
Testimonials
Read More About What Others Have To Say About Shirlene
”Shirlene is a highly conscientious advisor, who is friendly and meticulous in dispensing financial advice. She is very knowledgeable about her subject matter, being a quantitative finance graduate. I have learned a lot about planning ahead and benefitted greatly from a comprehensive review of my existing portfolio. I strongly recommend her to anyone feeling at a loss with regard to preparing for their future.
Ng Jing KangCommodities Trader
”I’ve known Shirlene for a long time now and can say that she’s always been meticulous, thoughtful and one who guides herself with firm principles. It’s clear that she finds great passion in being able to impact the lives of others. I appreciate that she’s upfront yet sincere in communicating across advice and always constantly refining her knowledge about good financial planning. Glad to have her as a good friend and advisor.
Chan Wan QingMedia Executive
”Shirlene has been really helpful in giving financial advice to me. She was very patient and assuring in clarifying all my doubts. Unlike many agents out there who will hard-sell their products without focusing on our needs, Shirlene only recommended policies based on my needs and gives me the freedom to decide how much I am willing and able to put in. She is one of the most sincere financial advisers I have met and I will definitely recommend her to those that are looking for someone trustworthy!
Denise NgData Analyst
”Shirlene is super detailed and passionate about her work! I can trust her fully to recommend the policies best suited for my needs.
Shalynn YeoAuditor
Thank you for reaching out to me and for educating me when I am so clueless:
”Shirlene is an efficient and passionate advisor who takes great pride in her work as well as the advice she gives. She ensures that she does her part to come up with a portfolio that is personalised for your age and needs. Thanks Shirlene!!
Alyssa TohBanker
”Shirlene Toh has been a very knowledgeable and professional advisor. She would take the time to understand each person’s goals and expectations earnestly, before making any recommendations. This allowed me to have a better sense and planning for my future.
Aaron Michael de SilvaBanker
”Shirlene has always been super helpful and caring. I trust her to give me good advice and have my best interest at heart. She’s always clear with her explanations and pays special attention to her work. I will definitely recommend her!!
Ally TanExecutive Assistant
”Shirlene is very knowledgeable with not just plans within AIA, but across the other agencies as well. She is a meticulous person who ensures you are well covered with the necessary plans and she gives the best advice in helping you manage your finances. Look no further if a reliable and trustworthy consultant is someone you have in mind!
Benjamin FongPolice Officer
”Shirlene is very thorough and knowledgeable in what she does. She goes above and beyond what is expected of her at every step of the way and makes you feel like you’re in capable hands. (:
Michelle ChiamLawyer
”Shirlene is extremely knowledgeable about the products and explains them clearly and concisely. would recommend her to anyone who is seeking financial advice.
Benjamin SohConsultant
Testimonials
Read More About What Others Have To Say About Shirlene
”Shirlene is the epitome of professional excellence. Her passion for her work transcends boundaries. In addition to her unparalleled work ethic, she pours her heart into everything she does, providing quality financial advice because she genuinely cares to know you. Her knowledge about financial planning is unmatched and has enlightened me in understanding and achieving financial stability and security.
Jonathan SumIT Analyst
”Shirlene is a highly conscientious advisor, who is friendly and meticulous in dispensing financial advice. She is very knowledgeable about her subject matter, being a quantitative finance graduate. I have learned a lot about planning ahead and benefitted greatly from a comprehensive review of my existing portfolio. I strongly recommend her to anyone feeling at a loss with regard to preparing for their future.
Ng Jing KangCommodities Trader
”I’ve known Shirlene for a long time now and can say that she’s always been meticulous, thoughtful and one who guides herself with firm principles. It’s clear that she finds great passion in being able to impact the lives of others. I appreciate that she’s upfront yet sincere in communicating across advice and always constantly refining her knowledge about good financial planning. Glad to have her as a good friend and advisor.
Chan Wan QingMedia Executive
”Having just entered the workforce, I had no idea how to begin planning my personal finances. Thankfully, Shirlene explained the various products available and their corresponding goals clearly. She was able to answer my many queries and tailor my plan accordingly, and I appreciate that she did not shy away from my direct questions as to how her recommended products were preferable to others on the market.
Elisabeth LiangLawyer
I am not worried about her doing her bare minimum after securing me as a client, as she has been incredibly diligent and thorough in her follow up. I trust that she has my best interests at heart and can rest easy having her as my adviser. (:
”Shirlene is an extremely hardworking and meticulous consultant who goes the extra mile to design personalised financial plans catered to your needs. Her ability to provide unbiased advice, coupled with her sincere and genuine nature, has enabled me to place my trust in her when it comes to my protection needs. As a client, you can definitely be sure that Shirlene has your best interests at heart (-:
Cheryl AngTeacher
”Shirlene is a very patient and understanding advisor as she walked me through the different insurance products and my numerous questions about them. She also takes my financial preference into consideration whenever she plans something for me which shows that she really does care about adding value to her clients.
Ivan SohProject Management Executive
”Shirlene is passionate and highly knowledgeable in this field. She puts her clients first, and does not hesitate to share her wealth of knowledge or her honest opinions on certain things! Thank you for being professional and a friend at the same time! (:
Faith WongTeacher
”Shirlene has been really helpful in giving financial advice to me. She was very patient and assuring in clarifying all my doubts. Unlike many agents out there who will hard-sell their products without focusing on our needs, Shirlene only recommended policies based on my needs and gives me the freedom to decide how much I am willing and able to put in. She is one of the most sincere financial advisers I have met and I will definitely recommend her to those that are looking for someone trustworthy!
Denise NgData Analyst
”Shirlene is super detailed and passionate about her work! I can trust her fully to recommend the policies best suited for my needs.
Shalynn YeoAuditor
Thank you for reaching out to me and for educating me when I am so clueless:
”Shirlene is an efficient and passionate advisor who takes great pride in her work as well as the advice she gives. She ensures that she does her part to come up with a portfolio that is personalised for your age and needs. Thanks Shirlene!!
Alyssa TohBanker
”Shirlene Toh has been a very knowledgeable and professional advisor. She would take the time to understand each person’s goals and expectations earnestly, before making any recommendations. This allowed me to have a better sense and planning for my future.
Aaron Michael de SilvaBanker
”Shirlene is super helpful and gives timely advice/guidance with respect to financial planning! Thankful that she has a hardworking ethic and cheerful and helpful disposition!
Samuel Wee
Thanks, Shirlene!!! 😃
”Shirlene has always been super helpful and caring. I trust her to give me good advice and have my best interest at heart. She’s always clear with her explanations and pays special attention to her work. I will definitely recommend her!!
Ally TanExecutive Assistant
”Shirlene is very knowledgeable with not just plans within AIA, but across the other agencies as well. She is a meticulous person who ensures you are well covered with the necessary plans and she gives the best advice in helping you manage your finances. Look no further if a reliable and trustworthy consultant is someone you have in mind!
Benjamin FongPolice Officer
”Shirlene is very thorough and knowledgeable in what she does. She goes above and beyond what is expected of her at every step of the way and makes you feel like you’re in capable hands. (:
Michelle ChiamLawyer
”Shirlene is extremely knowledgeable about the products and explains them clearly and concisely. would recommend her to anyone who is seeking financial advice.
Benjamin SohConsultant
”Shirlene is a very knowledgeable and meticulous advisor. Her professionalism in what she does led me to be able to entrust my portfolio with her. She is able to clarify and help if there are any questions as well. She would also understand each individual's goals and expectations earnestly, before suggesting suitable policies for her clients. As such, I am now able to better plan for my future.
Kenny NgBanker
”Shirlene is meticulous in her work and always checks with me on my level of comfort during our discussions. I trust her as a financial planner and even more so as a friend.
Audrey WongData Analyst
”The amazing reviews on Shirlene are clear testaments to her knowledge and passion in her work! She is genuine and ensures the best for you. Thanks Shirlene (:
Michelle TeoData Analyst
