Testimonials

Read More About What Others Have To Say About Aisyah

I met Aisyah during our training days in SQ hence we were friends since then and I’m glad she approached me after her career switch. I have troubles trusting previous agents no matter how genuine they seemed as the connection just wasn’t there. I was thankful that I had her to handle all my queries and doubts as much as she could and I’m so glad she was so patient (+ points!) with me throughout the process. In my opinion, she takes pride in her work, highly self-motivating and hardworking, definitely someone credible!

Katrina YapFlight Stewardess

Aisyah has been one of my best and most trusted friend. But I had my doubts when it involves financial planning as I felt like it was a sensitive topic. But I’m glad that I approached her.

She was a real pleasure to talk with about my insurance plans and the best thing of all, she made it feel really warm and not tense like how most Insurance Agent would. She takes great pride in what she does. If I ever had any sense of doubt about anything, she’ll never fail to make me understand each and everything that has been presented. To sum it up, a very personable individual to work with. It allows me to sleep well to know that I am well protected. Thank you Aisyah!

Paul Sean PatrickFlight Steward

Met Aisyah when she was still flying and started to only being close only during the CB period last year. I’ve seen and know the effort she puts in to actually get her license. The leap of faith she took to clip her wings for this new venture. If that is not passion, I don’t know what is.

Like a lot of us, we are pretty adamant about our finances/investments and we prefer to be safe. She provides the assurance we need and is always there to answer all your queries (There was once I asked her a question on my CPF accounts late night and she replied me back in 30 seconds!).

She really does take time to evaluate your financial needs and comes up with the best fit plans. Never pushy. No hard selling, just her caring about you.

Aisyah is passionate, sincere and thorough and I definitely know that I’m in good hands! Thank you Aisyah!

Shafiq RahmanLeading Steward

Mr Website Designer

Website Designer

Story

On the surface, my growing up years seemed better than many others. Whatever I put my mind on, I usually achieved them.

In academics, I was able to get into top schools.

In sports – long distance running, I won numerous individual and team medals.

And today, at the age of 26, I’m leading an awesome team (or I should say family) in AIA.

However, what many do not know is that I grew with only my dad and a foster family, and was orphaned by the time I was a teenager.

My mother left us after a quarrel with my father. I was only 2 weeks old then.

My father did odd jobs to make ends meet. For most of the time, he was a caddie at a golf club.

We didn’t have much, but it was just enough…

…or that’s what I’d thought.

I was 18, and fresh from winning my 5,000m Gold medal and preparing for my A levels when we received the news.

Dad was diagnosed with Stage 4 lung cancer. We sought immediate treatment.

But with no insurance, we could only afford basic healthcare; there was nothing else we could do.

Instead, I watched him deteriorate over 6 months until his very last breath.

And while in my grief, I discovered I had an inheritance of merely $5,000.

Inheritance was never on my mind till I received a letter by CPF Board a couple of months thereafter informing me to claim the remaining amount from his Medisave Account.

Not only did I have to deal with the grief, I realised my dream of going to University could not be funded!

Where was I going to find the money?

Do I ask my foster family for help?

Could I afford the monthly repayment of a bank loan?

From that day, it sparked a desire to master personal finance and I put my mind to it. I simply had no choice.

I was reading books after books on this topic while serving my National Service.

One day, I chanced upon this book written by a university professor titled “Financial Services & Wealth Management in Singapore”, it changed my life forever.

Being the geek that I am, I devoured every word and realised how big, dynamic & complex the financial market is in Singapore!

Hence straight out of National Service, I decided to join the industry for 3 reasons.

  1. To find an income source to fund my university tuition fees
  2. To ensure my financial needs are taken care of so my future family does not go through what I went through
  3. To prevent people around me from having to go through the financial hardships I went through

I worked almost every day on this career even while in university. Often describing to others that I’m a part-time student, full-time advisor, even though I was in a full-time undergraduate course.

I studied most of my lecture notes while commuting to meet my clients.

I made the decision not to go for overseas exchange and even summer school, in order to serve my clients here.

All the little effort eventually snowballed into a sizeable income while I was still studying. I was glad to be able to fully pay up my tuition fee loans immediately upon graduation.

On top of that, should anything unfortunate happen to me, I know my family will still have adequate finances to sustain their lifestyle, instead of having a financial burden on their shoulders.

As a financial planner, there are many areas we can value-add to our clients. Personally, I help most of them with two things. First, to set up a system to save and invest consistently, before they spend. Second, to eliminate major downside risks with the right type and amount of insurances.

A story about one of my clients, Timothy (not his real name). Timothy started his financial planning with me right out of graduation, as with most people. All along, he had been saving money the way most people do, by keeping them as bank deposits. By doing it this way, his money would have devalued a lot in the long run due to inflation.

Timothy placed his trust in me to set up a system where he is now saving and investing consistently in. He is now well on his way to accumulating a sizeable portfolio which he will eventually need for retirement.

Thankfully, Timothy further took the advice to implement a comprehensive portfolio of insurances. Without which, he would have needed to liquidate his entire portfolio and asked for financial help from his loved ones…

About a year later, while he was playing football on a weekend with his friends, an unfortunate collision occurred which left him with a torn anterior cruciate ligament. The surgery at one of the private hospitals locally with 4 day’s stay chalked up a bill of close to S$40,000.

Timothy never had to be concerned one dime about the cost of treatment, but instead could focus on getting treated and the recovery process.

I hope the story of my life, and of Timothy, has inspired you in one way or another. It is never about your circumstance, but how you react to it. It is never about the resources you have, but about your resourcefulness. In life, we never make sacrifices, we make choices.

When one life is gone, the others must live on. One of the greatest gifts you can leave behind for your family will one day come from the proceeds of a life insurance policy. I wish that you never have to go through the ordeals that Timothy and myself had gone through.

But if something similar happens, it is both our responsibility to ensure you are insulated from it financially.

Let us weave through life’s adventure together!

Testimonials

Read More About What Others Have To Say About Kevin

As someone who just started working with a variable income stream, I was looking for a policy that I felt comfortable with both in terms of the premium and its flexibility. Kevin has never failed to surprise me with proposals that addressed my concerns meaningfully. This was something that other advisors struggled with. And with a rising number of freelancers in Singapore, it is important to recognise how inconsistent income streams make annual or monthly bills all the more difficult. Kevin’s solutions have offered me peace of mind in this regard. While I may not need a premium holiday, for example, it is comforting to know there are options embedded into my policy that offer such flexibility.

Ernest PueyBroadcast Journalist

I knew Kevin from NUS as a reliable and intelligent friend. People have been reaching out to him for financial advice ever since he was still an undergraduate. Hence, I knew that out of thousands of financial advisors available in Singapore, he is the one that I can trust. Unsurprisingly, my experience with Kevin has been exceptional. He provides a careful and personal analysis of my current situation before recommending any products. Kevin also continues to assist me whenever there is a major change in my life direction. I can confidently say that my financial future is fully taken care of now.

William HenryAccount Manager – Global Sales

I first met Kevin in Officer Cadet School, while we were both serving our National Service. What stood out to me about Kevin was his resolute perseverance and pursuit of excellence for everything he does. An influential leader who always sets ambitious goals and motivates those around him to work towards them, I was confident that Kevin was destined for great things when he said he was going to join AIA. As my financial advisor, Kevin was very detailed in explaining each policy in layman’s term, and he was able to tailor respective policies to my needs. He would offer both professional and personal advice and always prioritises his clients’ well-being above his. Kevin also ensures that there is sufficient follow up and frequent updates are sent to his clients so that they are kept up-to-date. Well done bro!

Glenn SeahSAF Officer

Kevin Goh

Financial Services Director

Story

On the surface, my growing up years seemed better than many others. Whatever I put my mind on, I usually achieved them.

In academics, I was able to get into top schools.

In sports – long distance running, I won numerous individual and team medals.

And today, at the age of 26, I’m leading an awesome team (or I should say family) in AIA.

However, what many do not know is that I grew with only my dad and a foster family, and was orphaned by the time I was a teenager.

My mother left us after a quarrel with my father. I was only 2 weeks old then.

My father did odd jobs to make ends meet. For most of the time, he was a caddie at a golf club.

We didn’t have much, but it was just enough…

…or that’s what I’d thought.

I was 18, and fresh from winning my 5,000m Gold medal and preparing for my A levels when we received the news.

Dad was diagnosed with Stage 4 lung cancer. We sought immediate treatment.

But with no insurance, we could only afford basic healthcare; there was nothing else we could do.

Instead, I watched him deteriorate over 6 months until his very last breath.

And while in my grief, I discovered I had an inheritance of merely $5,000.

Inheritance was never on my mind till I received a letter by CPF Board a couple of months thereafter informing me to claim the remaining amount from his Medisave Account.

Not only did I have to deal with the grief, I realised my dream of going to University could not be funded!

Where was I going to find the money?

Do I ask my foster family for help?

Could I afford the monthly repayment of a bank loan?

From that day, it sparked a desire to master personal finance and I put my mind to it. I simply had no choice.

I was reading books after books on this topic while serving my National Service.

One day, I chanced upon this book written by a university professor titled “Financial Services & Wealth Management in Singapore”, it changed my life forever.

Being the geek that I am, I devoured every word and realised how big, dynamic & complex the financial market is in Singapore!

Hence straight out of National Service, I decided to join the industry for 3 reasons.

  1. To find an income source to fund my university tuition fees
  2. To ensure my financial needs are taken care of so my future family does not go through what I went through
  3. To prevent people around me from having to go through the financial hardships I went through

I worked almost every day on this career even while in university. Often describing to others that I’m a part-time student, full-time advisor, even though I was in a full-time undergraduate course.

I studied most of my lecture notes while commuting to meet my clients.

I made the decision not to go for overseas exchange and even summer school, in order to serve my clients here.

All the little effort eventually snowballed into a sizeable income while I was still studying. I was glad to be able to fully pay up my tuition fee loans immediately upon graduation.

On top of that, should anything unfortunate happen to me, I know my family will still have adequate finances to sustain their lifestyle, instead of having a financial burden on their shoulders.

As a financial planner, there are many areas we can value-add to our clients. Personally, I help most of them with two things. First, to set up a system to save and invest consistently, before they spend. Second, to eliminate major downside risks with the right type and amount of insurances.

A story about one of my clients, Timothy (not his real name). Timothy started his financial planning with me right out of graduation, as with most people. All along, he had been saving money the way most people do, by keeping them as bank deposits. By doing it this way, his money would have devalued a lot in the long run due to inflation.

Timothy placed his trust in me to set up a system where he is now saving and investing consistently in. He is now well on his way to accumulating a sizeable portfolio which he will eventually need for retirement.

Thankfully, Timothy further took the advice to implement a comprehensive portfolio of insurances. Without which, he would have needed to liquidate his entire portfolio and asked for financial help from his loved ones…

About a year later, while he was playing football on a weekend with his friends, an unfortunate collision occurred which left him with a torn anterior cruciate ligament. The surgery at one of the private hospitals locally with 4 day’s stay chalked up a bill of close to S$40,000.

Timothy never had to be concerned one dime about the cost of treatment, but instead could focus on getting treated and the recovery process.

I hope the story of my life, and of Timothy, has inspired you in one way or another. It is never about your circumstance, but how you react to it. It is never about the resources you have, but about your resourcefulness. In life, we never make sacrifices, we make choices.

When one life is gone, the others must live on. One of the greatest gifts you can leave behind for your family will one day come from the proceeds of a life insurance policy. I wish that you never have to go through the ordeals that Timothy and myself had gone through.

But if something similar happens, it is both our responsibility to ensure you are insulated from it financially.

Let us weave through life’s adventure together!

Testimonials

Read More About What Others Have To Say About Kevin

As someone who just started working with a variable income stream, I was looking for a policy that I felt comfortable with both in terms of the premium and its flexibility. Kevin has never failed to surprise me with proposals that addressed my concerns meaningfully. This was something that other advisors struggled with. And with a rising number of freelancers in Singapore, it is important to recognise how inconsistent income streams make annual or monthly bills all the more difficult. Kevin’s solutions have offered me peace of mind in this regard. While I may not need a premium holiday, for example, it is comforting to know there are options embedded into my policy that offer such flexibility.

Ernest PueyBroadcast Journalist

I knew Kevin from NUS as a reliable and intelligent friend. People have been reaching out to him for financial advice ever since he was still an undergraduate. Hence, I knew that out of thousands of financial advisors available in Singapore, he is the one that I can trust. Unsurprisingly, my experience with Kevin has been exceptional. He provides a careful and personal analysis of my current situation before recommending any products. Kevin also continues to assist me whenever there is a major change in my life direction. I can confidently say that my financial future is fully taken care of now.

William HenryAccount Manager – Global Sales

I first met Kevin in Officer Cadet School, while we were both serving our National Service. What stood out to me about Kevin was his resolute perseverance and pursuit of excellence for everything he does. An influential leader who always sets ambitious goals and motivates those around him to work towards them, I was confident that Kevin was destined for great things when he said he was going to join AIA. As my financial advisor, Kevin was very detailed in explaining each policy in layman’s term, and he was able to tailor respective policies to my needs. He would offer both professional and personal advice and always prioritises his clients’ well-being above his. Kevin also ensures that there is sufficient follow up and frequent updates are sent to his clients so that they are kept up-to-date. Well done bro!

Glenn SeahSAF Officer

Read More About What Others Have To Say About Us

Read More About What Others Have To Say About Us

Before I met Jasper, most agents did not earn my trust. They only focused on getting the result they wanted and not on my own personal well-being. In fact, I had very little idea of what it meant to have adequate retirement planning or even how to manage and plan for my CPF monies. Jasper raised the bar to levels that are difficult to compete by putting in his 100% to ensure that all your areas are covered with respect to financial planning and the trust placed in him can be seen not only from my own planning but I would also assume, from his other clients as well.

Patricia KohSales Engineer

I’ve always had my reservations about starting my own financial planning because it’s a long-term commitment and I wasn’t sure of its returns or whether it’ll be worth the investment. However, after Sherrill’s introduction and explanations, it made me realise how important it was to start planning now. I could see Sherrill’s passion and exceptional dedication towards her job when she took the time and effort to design and revise my plans to cater to my needs and preferences. I definitely trust that she’ll do a good job with helping me plan for my future and also making sure that I’m well-covered.

Teresa KohUndergraduate

Financial advisors have always been pushy which made me doubt whether they had my best interests at heart or were out to earn a quick buck from a fresh graduate. Then, I had the honour of meeting Jasper, who changed that perspective. Jasper is a sincere, patient and professional Financial Advisor who is keen to offer personal advice tailored to my financial situation. He was also willing to go the extra step to help manage some of my previous policies. I would highly recommend Jasper to provide holistic planning at any stage in your life’s journey and job fields as he is knowledgeable, adaptable and flexible with the solutions he provides.

Nicholas LimGraduate Student

Nigel has been my financial advisor since 2015, when I was still a university student. Nigel is an eloquent and meticulous financial advisor who consistently gave me quality advice to suit my current financial needs. I am pleased with his effort in establishing and maintaining good rapport throughout these three years, and I would like to commend him for his superlative work.

Koh Jie LeiPharmacist

What really struck me after meeting Leonard was that he was never pushy throughout our interactions, and you could feel how passionate he was about what he does - financial planning. Compared to previous consultants I have encountered, Leonard did not attempt to hide information that could be material to my decision making and ultimately led to me taking up products which are most suited to my needs. Leonard's intellect and drive won me over as a client.

Joanne QuekAnalyst

During our university days, I had the opportunity to work with Leonard to lead a team at the student residence. It was then that I witnessed another side of Leonard that indubitably impressed me. His leadership style was exceptional. He carefully meandered between the roles of a friend, a leader, and even the disciplinarian. All these aforementioned roles without compromising his values and responsibilities. Undoubtedly, he won the respect of many followers. He was solution-focused and will always leave you feeling invigorated for the upcoming challenges. Leonard was atypical of the financial consultants I have met. He always placed himself in my shoes and made sure that my financial needs were attended to. He responded quickly to my queries and provided extra information whenever I needed them. Honesty is a trait in Leonard I truly appreciate. He does not pretend to be the know-it-all, unlike the many I have met. Whenever I needed additional information, he will refer to the relevant sources to look for the most accurate answer before he attended to my queries. Today, he has become the one whom I consult for my financial planning as I transit between different phases of life. Thank you for always being there, Leonard!

Neville ChuaPharmacist

Even while studying in NUS, I ran my own business doing handcrafted leatherwork wallets and watch straps, etc. While most of my fellow course mates are caught up with studying, I had a livelihood to upkeep as well. I met Reuben in hall when we were living in the same dormitory together in NUS and we have been friends since then. When I had a claim to make for hospitalisation, he wasted no time to ensure that I got the best care and treatment that I could get, assuring me that everything can be paid for via the insurance plan that I got. Also, while others might be pushing the most expensive version of the policy, he recommended me something more suitable for my current life stage and situation. After which I have gotten several other policies for myself, as well as my mum from him and he has always shown sincerity in whatever he does for us. Insurance is something that you want for a peace of mind; when something happens and you need help, you need somebody on the other side that you can trust 100% to make it happen – Reuben is the guy who can do that for you.

Nicholas TanEntrepreneur

As a student facing enormous uncertainties, I had to juggle between multiple concerns such as finding a job after graduation and paying off student loans. I vaguely knew about the importance of financial planning but never had the time to find out what it entailed exactly. Brian is an excellent Financial Planner who was able to explain the essentials to me very succinctly and precisely. Thanks to his advice and services, I am able to focus my energies on the final years of my studies and job hunting, assured in the knowledge that he will be able to help me navigate the financial issues I will face in the future.

Lee Cheng XiUndergraduate

Don truly understands my financial needs and pays attention to every single detail. The solutions he recommended suit me. When I require assistance in claims, he was able to respond quickly. His actions break the insurance stereotype that the general public has. I’m truly glad and grateful to have him as my Financial Advisor.

Zhang PinrenEngineer

Meeting Nigel was a pleasant experience for me. He is competent in his delivery of financial advice and continually make efforts to stay connected with his clients. His professionalism serves as a pillar of confidence I have in him coupled with the quality of his services. As a client, I am satisfied with his services extended to me. And as a friend, he has always been reliable and trustworthy.

Sean SuenEngineer

Brian is someone i can trust to sell me products to meet my needs and not his. He took the effort to explain to me how each plan works and was very patient in answering all my questions even as I bombarded him with them.

Rachel WeeAssociate

Leonard is a brilliant financial consultant. When we first met, he took the time to understand my financial goals and planned out my finances within my comfort level. Besides from being extremely helpful and responsive, he provides consistent and in-depth financial advice whenever I needed his opinion. He now plays an integral role in not just my personal financial welfare but also the financial well-being of my family and friends. Thank you for giving me more confidence about my finances, for anticipating my changing needs as I progress further and for giving me a peace of mind knowing you always got my back.

Steffie OngMarketing Executive

When I met Reuben to do my own financial planning, I was extremely surprised when he told me that the life policy that my parents bought for me years ago was still sufficient for the current life stage I’m in, and that I only had to add on some small stuff to supplement it. Because of that, I could focus my efforts and resources on doing some wealth accumulation for the future instead. Reuben is a person that will be straight up about what you have and what he can help you with - that’s what sets him apart from the others.

Ron SimOperation Specialist

Most people would think that agents would want to sell something in every meeting. However, I felt safe in disclosing my financials with Marissa. She is very sincere in understanding my financial needs even if I needed to take time to implement all the plans I wanted. She was professional in handling my queries and I greatly appreciate her time taken in understanding my preferences. Hence, I have entrusted my entire portfolio with her and AIA, and have also introduced some of my close friends to her.

R. SarasvathyMedia Relationship Officer

I love Sherrill. Past consultants I have met did not come par to Sherrill's dedication and care. When we met, her entertaining and friendly disposition help me to keep an open mind to learning about financial planning, and expanding my viewpoint on my own finances.

Celine ChuaUndergraduate

I have met several consultants who use pressure tactics to close the deal. However, Marissa is a very likeable consultant who made my entire buying process very smooth and stress free. She was very transparent in all the plans and did not withhold information from me which I felt was different from other agents who only paint a flowery picture. I like that she is straightforward with me while maintaining a good professional relationship.

Neo Jun BingData Scientist

As someone who just started working with a variable income stream, I was looking for a policy that I felt comfortable with both in terms of the premium and its flexibility. Kevin has never failed to surprise me with proposals that addressed my concerns meaningfully. This was something that other advisors struggled with. And with a rising number of freelancers in Singapore, it is important to recognise how inconsistent income streams make annual or monthly bills all the more difficult. Kevin’s solutions have offered me peace of mind in this regard. While I may not need a premium holiday, for example, it is comforting to know there are options embedded into my policy that offer such flexibility.

Ernest PueyBroadcast Journalist

Nigel is a very dedicated advisor and a caring friend. I really like how he personalises the plans for me and as a client, and I am better able to visualise my exact needs. He is also fully transparent when sharing about each product he recommends, which really differentiates him from other advisors. The hard work that he puts in to make sure my needs are well taken care is the reason why I trust Nigel to be my lifelong advisor.

Aw Yu XuanInvestment Banker

When it comes to financial advice, Jasper is someone who pulled out all the stops to offer exceptional service. He was very detail-oriented, often making sure that he had gathered all the necessary data before assessing my financial situation and recommending the appropriate financial plan. Additionally, he went the extra mile to provide advice on how to better manage my expenses and savings which were very useful. Rather than giving a one-size-fits-all general financial plan, he offers advice that fits your needs specifically. Additionally, he always considers the vagaries of one’s financial life, and is able to always provide sound advice. As such, I highly recommend approaching Jasper should you need financial planning.

Jethro HoonFreelance Photographer

Brian really helped me to understand my financial position. I was able to better plan my finances and aim to save towards a brighter future. I highly recommend Brian, he is very professional and knowledgeable about the industry.

Eugene LimAudit Associate

I knew Kevin from NUS as a reliable and intelligent friend. People have been reaching out to him for financial advice ever since he was still an undergraduate. Hence, I knew that out of thousands of financial advisors available in Singapore, he is the one that I can trust. Unsurprisingly, my experience with Kevin has been exceptional. He provides a careful and personal analysis of my current situation before recommending any products. Kevin also continues to assist me whenever there is a major change in my life direction. I can confidently say that my financial future is fully taken care of now.

Willam HenryAccount Manager – Global Sales

Sherrill is extremely friendly and approachable. As a patient individual, she constantly provides prompt replies to any of my queries. Equipped with relevant knowledge, she has provided constructive advice which catered to my needs, Sherrill has helped me to gain a better understanding regarding financial related matters and is certainly a well-qualified advisor.

Tan Hui QiUndergraduate

When I just graduated from university, I was really lost and had no clue what insurance was or the importance of it. It was the best decision I made to approach Don one day and he explained to me in detail what financial planning was all about. I also felt that he was very sincere and really wanted to help me to cover what I needed as I was preparing to get married. Soon after, I had to do an operation for my back and when I saw the medical bills it shocked me. Luckily, I was covered and Don made the claiming process so hassle free and convenient that I didn’t even have to do much on my part. In the end, I did not have to fork out a single cent for the operation.

Ye Min TunPharmacist

Don is a very dedicated Financial Advisor who goes the extra mile to deliver the best service to his clients. He never fails to take the time to make sure that I fully understand the products before committing myself to buying the plans. Patience is a virtue in this industry which many other agents lack and hence I am truly appreciative of having him as my Financial Advisor.

Christine TohBanker

I first met Kevin in Officer Cadet School, while we were both serving our National Service. What stood out to me about Kevin was his resolute perseverance and pursuit of excellence for everything he does. An influential leader who always sets ambitious goals and motivates those around him to work towards them, I was confident that Kevin was destined for great things when he said he was going to join AIA. As my financial advisor, Kevin was very detailed in explaining each policy in layman’s term, and he was able to tailor respective policies to my needs. He would offer both professional and personal advice and always prioritises his clients’ well-being above his. Kevin also ensures that there is sufficient follow up and frequent updates are sent to his clients so that they are kept up-to-date. Well done bro!

Glenn SeahSAF Officer

Marissa has been very responsive in handling my claims. I have had experienced the need to undergo check-ups at the doctor and was worried at that point in time whether I would be covered under my plan. Marissa had promptly assisted me in letting me know which hospital and ward I can be admitted to and which surgical procedures can be covered. Furthermore, she had helped me with my post check-up claims even to the extent of coming down to my office and residence to assist me. This is the assurance we need as when we purchase any insurance plan, the most important point of service is at the point of claim.

Stefanie PadillaIT Recruitment Consultant

After graduating from SMU and starting my career - financial planning was always on my list of priorities but I had no idea where to start. With many companies having a variety of different products, it was too troublesome to look through every single aspect of them myself. After having a discussion with Reuben, who specialises in planning for fresh graduate, he customised and recommended to me a viable strategy that suits my personality and portfolio. Furthermore, I had policies previously that my parents had bought for me when I was younger. Reuben helped me to restructure those policies to ensure that I will not be paying for something I will not need. In my own career, strategy is extremely important; and personally, I feel that this is where many advisors are falling short - they know their products but do not necessarily have the knowledge or expertise for long-term strategic planning. If you are somebody who truly wants to plan for your future, I recommend you speak with Reuben to find out what would suit you best!

Nicholas HoonInvestment Analyst