Thanks for your time today, Chris哥! Today’s session was very informative for me, I appreciate your patience and sincere guidance to help me get a plan that suits me. Glad I made the right choice to reach out to you😊 Wrote a testimonial for you as follows, let me appear on your wall of trust!!😝 Prior to my conversation with Chris, I had no knowledge on insurance at all. Through the session, Chris has helped me to understand the different types of insurance plans and how we can go about customizing a one that suits me the most. He also went through the extra effort of going through my existing policies and compiled them together into a deck of ppt which was very clear and easy to understand. Even when I had many questions, Chris was very patient with me and shared different examples to help me with my understanding. When it comes to customization, he showed me the different plans and matched them according to the priorities that I had. He was also very assuring that he will be there to help me at every step that I need. I’m glad I made the right decision to have this chat with Chris, and now I gain a financial planner and a friend who I can trust in my future financial planning arrangements. For the work that he does, I’d describe Chris as someone who is sincere, professional, goes the extra mile and values each and every one of his clients. Anyone will be lucky to have a financial planner like Chris!

When Chris first contacted me about financial planning, I was and not keen to meet. I told him that I have already sufficient coverage and wealth accumulation policies. I also added that I am paying what I can afford or even more on all these products. Chris explained that the meeting was not to sell products, but to get to know each other better professionally and also to share his own experience and what he as a financial planner can do. Although skeptical, I obliged. During the sharing, I actually enjoyed the conversation we had. It was not the typical “when do you plan to achieve financial freedom speech”. Instead, he was more interested in finding out the financial issues in my life at the current moment and sharing how and what he can do to solve those problems. Granted, financial freedom is the end goal, but many times, people in our early 30’s have bigger issues at the present moment to deal with, such as unemployment and mortgage repayments. Even though I am experienced in finance, such as researching and investing in stocks and bonds, I felt that the session was meaningful and I definitely learned something. I was also impressed with Chris’s attitude. There was a genuine personal touch even though he knows I was not going to be buying anything from him that day. I am sure that I will approach him in future if I need any financial advice in the future.

Chris is a highly dedicated professional who prides himself in constantly upgrading his professional knowledge and personal well-being in order to provide the best for his clients. Apart from being a highly competent financial consultant, Chris has a few values, which I thought not many other equally competent FC possess. 
Firstly, his utmost sincerity in helping other to better their lives through proper financial planning. I used to think many agents were motivated to provide their great services because of the money that they can make, which is understandable but still, many would repel, including myself. However, Chris has this value in him that makes him stand out from the many that I’ve come across and his actions definitely speak louder than his words. Not only does he not force sell any financial products, he ensures he has a comprehensive understanding of your situation in entirety before making recommendations or presenting evaluated options. Taking the time to ensure thorough understanding of a client is definitely not one that Chris will discount as he believes only by truly understanding the situation can he offer his advice.
Secondly, Chris has excellent work ethics. As a customer, I definitely expect the best service from my FC in terms of his deliverables for my enquiries. Chris’s patience, knowledge, and sense of accountability are well above my expectation of a good FC. While you may have experienced a “drop” in standards of service after purchasing any financial products from your agents, this does not happen with Chris. In fact, he would take the initiative to arrange periodic reviews on your plans and also to check in with you from time to time.
Having a FC who is truly concerned and involved in making my family’s lives better definitely does not come by easily. I am truly appreciative for Chris’s effort and will not hesitate to recommend him to my friends who are looking for a FC. Here’s wishing him all the best in his journey and passion to empower and better the lives of many other!

Being someone who is rather unfamiliar with insurance policies and financial planning, I’m very grateful to have someone who is patient and dedicated like Liyuan who takes time to go through all the queries and doubts you may have. I feel comfortable working with Liyuan

Chris is very well versed in explaining his work and is responsible in ensuring his delivery of the best service for his clients. However, in order to get his points delivered effectively, he can sometimes try to speak a little slower. Nevertheless, it has been an enjoyable experience working with Chris.

Chris is a genuine person who makes dedicated effort to understand his clients and places their needs before all else. He takes pride in being a knowledgeable planner and constantly puts effort to upgrade himself in order to serve his friends better. I would recommend Chris to anyone who is looking to review their financial needs.

Chris is a dedicated financial planner who is conversant on the available products and prioritises his customers’ needs and requirements. He was able to customise his offerings to effectively plug the necessary gaps in the coverage, even proactively giving suggestions and proposals along the way. His dedication and promptness gives me a strong sense of assurance that my insurance needs are in safe hands.

Chris is very nice & sincere. You communicate well with me. Very proactive in arranging this meet up despite your tight schedule. You are very responsible which gives me extra sense of security (despite my not-so-pleasant past experience with financial planners). You came very well prepared with the slides & your sharing is very clear & precise. Thank you! I look forward to the next session with you & my husband.

Thank you so much for the prompt service, from the bottom of my heart. My husband said he loves your service, he has many insurance agent in the past but there isn't any follow up. We have recieved our reimbursement from AIA I'm humbled n grateful, for your thoughtfulness, which is a gift, I will always treasure. I'm touched beyond words. Today is a Great Day for every Sporean to remember for phase 2 release as a joyful escape hor!

I believe you are truly an enthusiastic and genuine person when providing your advice and services. I appreciate the effort you put in when our demands were on short notice and requires significant time and effort, yet you delivered on our requests. We felt that we have benefited from your knowledge sharing session.

Very nice talking you Chris & Matthew, with the Circle of Life, it is very easy to understand. The sharing is general & we have not gone into the details yet. Whenever I have questions, I know I can trust the both of you to find out more. Or when there is change in my mind on investment options, I can trust both of you to share more. Thank you.

All is great, thank you for sharing on the investment mechanism. I would like to have another conversation to plan properly, in ensuring good headstart (as compared with peers), and to have the ability to sustain this program till later years (12yrs MIP), with the flexibility for major milestones along the way.

I have always known Liyuan to be a sincere and responsible senior from university days. He takes pride in carrying out his duties well, and this has translated into a strong sense of professionalism as a financial consultant. During our first meeting, I appreciated that he didn’t oversell, instead taking the time to understand my financial goals before providing key advice. Trust is a key factor to any partnership, and I feel at ease knowing that I can trust Liyuan to place my interests as top priority.

Liyuan has been really helpful and sincere in providing financial advice to my husband and I. We often engaged in long talks and he is very willing to explain in great details on things that we do not understand and guide us in all the details. We feel very assured by letting him handle our policies and knowing that he will be there to help us. His passion for financial planning is shown clearly and this comforts us greatly as we know that we can work together in the years to come.

Good to share on everything, especially the ‘little little’ things like CPF & LPA, which is very important, the complete picture that everyone needs. In the past, older generations are not so open to speak about will & LPA, which is still ok if you do not have much under your portfolio. Else, it can be very stressful when funds are being locked up in the banks, & having to literally run around everywhere to consolidate the assets. I look forward to next consultation on my portfolio review with you both.

Chris is able to help me understand Protection & Wealth Accumulation clearly, and to create an overall strategy for me, which is exactly what I had wanted. And as a brother, we are able to click much better, talk more freely, and I like the customization done by Chris. In the past, I had bad impressions of consultants from various companies, and I worried about them having my interests at heart. I don't want to be buying products on ad-hoc basis, nor do I want overkill level of protection nor to make another mistake as I have made in the past. With Chris, I feel confident and more empowered about my future.

This is a very thorough sharing & good introduction. I am very interested in getting updates from both of you moving forward. I started having experience with insurance at age of 17, over the past decade there hasn’t been much of quality engagement / Q&A / responses with my consultant. I wish for very responsive response, for things to be handled very quickly, & strong sense of ownership so that I do not have to micro-manage things on my end. I look forward to having something realistic & not too ambitious, with options to be flexible (trade off with long term growth), able to enjoy Life along Life.

Good discussion with Chris & Sky on my own journey in securing portfolio plans for myself & son (NS). Currently in a career transition (upgrading technologically) to maintain employability over next 2 decades, and I’m keen to look into Will (planning for estate & assets to be transferred to my loved ones), something that has always been at the back of my mind. Recent experiences taught me to follow money trails & to take care of our health while working hard to generate wealth. I look forward to the next discussion in a months’ time!

One of my policy was re-assigned to Chris as my consultant had left the company and I am happy that Chris has taken the time to contact me and arrange for a meeting as soon as he had received the assignment. Chris has demonstrated his professionalism in not just taking care of his own clients but also taking the same interest in those that he took over from others. During the meet up, Chris has provided a thorough presentation and information about his area of coverage and expertise. I am confident that Chris will be able to assist me in my insurance needs and his wide area of coverage will allow me to work towards a holistic approach in my insurance, estate planning and retirement matters. I am definitely looking forward to my next review with him.

It’s often that we take insurance for granted and have the “Aiya next time also can do” mindset. But when I met Chris, he has helped me to view things in a much different perspective and helped me better understand the different insurance & how each have certain purposes. Compared to other insurance agents I have in the past, he is the only one who goes an extra mile to educate us & help us grow little by little while others I feel just let things slip after they get your signature. Little things like having a file for us to keep our policies & keeping us updated were small actions but these small actions made us more comfortable & assured to have someone like Chris to guide us along through our journey. I’m thankful and blessed to have met Chris who is like a brother to us & someone who we know we can get help from in this aspect when we are lost. And Chris, thank you for your service so far, looking forward to the journey ahead!

My wife and I had most of our insurance needs in order when Chris first contacted me. I figured it might be good to get a second opinion, so I let him take a look at the various policies we had. I was impressed with Chris' complete objectiveness in analysing our needs and how he did so with our considerations and priorities! Chris helped us think through what we wanted to achieve with our policies and proposed ways in which we could work towards achieving what we wanted. Throughout the whole discussion, it is clear Chris was focused on helping us figure out exactly what we wanted, and then delivering on that. So, if you've no idea what you're doing with all the policies you're buying, or you just want someone to take a second look at what you've put together, or if you don't fully understand what insurance policies should do for you, I strongly recommend you have a chat with Chris.

Liyuan gave great advice, as he broke down the concept of Total Financial Planning. Through his sharing, I have seen where the possible gaps are in my financial planning. Thanks Liyuan!

Chris sharing is very enlightening, refreshing, and provided a sound second opinion. Remind the plus and what to look out for in the future. Good perspective.

今天真的非常感谢你的分享和建议，多少也学了点未来的路该怎么走，期待下次与你的见面😊 谢谢你👍

Chris' sharing with me was clear and informative, and easy to understand. He has taken difficult concepts and explained it in simple layman terms so that I was able to have a clear understanding on each and every policy AIA has to offer. Most importantly, he shows a tremendous amount of patience to answer my every query and doubt I had. Thank you, Chris!

I’ve met another consultant from another company prior to meeting Chris, & I felt that AIA’s program is very competitive (values, benefits & premium wise). Chris is very detailed in every single thing he does, & he has good vocal (tonality & expressing himself)

I’ve met so many agents before, and none shared such insightful analysis of my portfolio with me before. The concept (Circle of Life) is particularly useful for me to prioritize my Life Planning. I also benefited from understanding the various strategies (protection, investment entry & exit strategy). You came very well prepared, thank you!

Liyuan is a dedicated friend and a diligent worker. From a young adult to another young adult, I can trust him to review my financial needs at a personal level and for many years to come.

Chris is very patient and clear in explaining the various products that tailor to my financial needs and aspirations. Advice rendered was sincere and helpful. Above all, I trust him.

Thank you Chris for taking time off to provide such a comprehensive explanation (understanding what the policies are about, and areas to look out for). I appreciate your sharing & chartering the way ahead.

Very friendly and detailed, very consultative & non-pushy type. New information learnt, giving more confidence into Life Planning. Very good explanations to all my queries.

Very clear sharing, my first time listening to a financial planning sharing & it is very interesting! I’m keen to learn more on planning, for protection as well as to grow my wealth!

Good discussion on investment, which is my area of interest. I like the professional approach, with good knowledge into this. Thank you.

Chris has provided great financial advice and strategies for my financial planning. He is well versed in his financial products and is more than willing to go through the details to compare the products from various companies and provide the best for you. He is patient in finding out your needs and wants to customize a best fit solution. He is genuine in his intentions and will provide a solution to the best of his abilities. I have benefited well from his services. He has taken the time to explain the various financial products that I currently have, compared various new products that I expressed interest in and helped me to arrive at a well-informed decision. I will definitely recommend him to provide financial advice to my loved ones.

We would like to say thank you very much for your professional service. We could feel your sincere and effort to customised the package to meet our requirements. Your prompt responds and professional attitude always leave us a good impression to show u are a reliable agent. This is the reason we will always support you and recommend our friends to you. Greatly appreciated you bringing along your property specialist friend once you know that we have some doubt on property investment. All this caring actions has made us indirectly build a good relationship and always support you as a family friend. Thank you for your hard work, and wishing you all the best in helping many others.

Overall, I have learnt something new that AIA has got good retirement programs, and this conversation led me to give some thoughts into this area. From age 53-65, what is the planning norm so that it can tide me through retirement. Very good conversation indeed. The second consultation on Retirement Planning is very good as well. These are the same questions I tried to find on CPF webpage (a lot of calculators) but couldn’t find the answers. Thank you for sharing on it. Apart from focusing on working hard & to save up more (bank, Fixed Deposits, Bond Mutual Funds), I would like to explore other meaningful ways to work towards my minimal desired retirement income of $3,000 (today’s money).

Today's concept sharing by Chris was like an alarm clock for myself, coming from a metaphorical perspective. It was beneficial in terms of reminding me that there are multiple ways to optimize my financial planning based on my comfort level and risk management. Typically, I don't spend a lot of time thinking about financial planning because of work and current lifestyle. But Chris was able to explain the concept in a simple manner. So I was able to take in key pointers such as the 3Ds and 4321 breakdown. Overall, the sharing served as a good overview.

Chris is an exemplary Insurance Agent. He takes pride in his work and is very delicated. His patience is commendable especially working around my pockets of free time. He never fails to follow up with me from time to time. His excellence professionalism in the RSAF has carried him to new heights in a brand new field. He has made investment and savings looked easy for me to understand. He tailored a finical portfolio according to my needs. He is not just a typical Insurance Agent but everyone’s “Friendly Guy Next Door” always a text or Call away. Wishing you all the best in ur future endeavours.

Hey Chris, just wanted to say thank you for your help in our financial planning. I've never seen anyone work so hard like you do, even to the small details like the printed paper dividers in the file (most agents typically just give a blank file). What you're doing is very helpful to others and we sincerely hope that you get your MDRT, cuz it'll reflect on the number of people you have helped. Great service and professionalism even as Andrew's friend. We appreciate what you're doing for us. All the best!

As a compliment, I love how Chris supported me throughout the whole planning journey with open conversations. Whenever I’m unsure, Chris will give good tips, for me to consider along the various good parameters, & help in reducing blindspots. I’m able to make very informed decisions across all aspect of financial planning. Above & Beyond, Chris would volunteer to help consolidate & file all my policies.

I felt that the short sharing session was insightful and it allowed me to have a better understanding of the various types of insurance package. Also, one key takeaway is not about getting the most expensive insurance available/you can afford. In order to ensure comprehensive coverage, it is more important to have sufficient amount for different types of insurance. Thanks for your sincere sharing session. Hope more people get enlighten by you.

Very productive session for me. All this while I have been sitting with all these insurance policies yet I don’t know what I’m getting (consultants explained too fast). Thank you for sharing 4,3,2,1 model, I have a clearer picture (vs my current mindset of money in, pay what I have to, & saving the remaining). This is also the first time I have having such consultation over Zoom, and it is surprisingly very good! Looking forward to the next session to plan ahead!

Liyuan is responsive and genuine in his dealings. I liked what he shared with me about protection and financial planning during our initial conversation. He is well prepared when we meet and will follow up if he isn’t sure of something. Looking forward to a long-term partnership with him.

This is a fruitful session where I had a good perspective on savings & investments, it got me thinking on how to plan better ahead. You also went through with me on board programs available given current status, & how to plan effectively ahead. I’m excited to meet up with you all next to start on this planning journey!

This conversation is very friendly & interesting! I like it a lot to have open discussions. I’ve always been very open minded to seek out good information, good ideas (options) to do things better with my planning matters (better growth & better protection). Quality discussion is the key to making the best & most informed decision.

The content was good, and Chris explains thoroughly. This helps me to understand about medical, hospitalization, personal accident, Critical Illness for protection. On Wealth management, Chris shared on how to build & diversify it, and planning it based on my future plans. This is an eye opener for proper planning (+career path sharing), with frameworks. When I first started on this planning journey, it was mainly following the trends, now I know more to proper planning.

Chris has help me understand what i would need in order to protect myself in the future with the right budget. He is well knowledgeable about his field of work and is even able to explain the terminologies in layman’s term so that people new to insurances/consultations could easily grasp the idea of what is important. I really thank him for his help in this start up.

Thank you for helping us understand clearly on what pre-natal & post-natal planning entails. I shared my thoughts at the start, & you cater your sharing to that, & to touch on all the key points of interests. The flow is good & easy to understand. You shared very good perspective on Protection because of the leverage it provides as well as to address any uncertainty (term vs Life).

I appreciate Chris’s sharing which provides the entire picture on what a person in similar lifestage should have for our Life. Presentation & illustrations are very real & useful. It is very comprehensive, as compared to current family consultant (of 13yrs) who focuses more on saving money for retirement. Thank you for providing the complete picture of financial planning for me to make the most informed decision.

Thank you for sharing on this fool-proof concepts, and it is nice that you shared about budgeting & to guide us in the overall thought processes

Chris is knowledgeable and is able to provide answers to my queries. He is confident in his work I look forward to working with him in future.

I am someone that knows little about insurance. But Chris always ensure that he explains everything. When he sensed that I’m confused, he will still patiently explain everything again if need to. I referred him to my company HR corporate solutions department.

Chris is knowledgeable and makes concerted effort to ensure that he is clear in his explanations. He guided me through everything step by step while constantly making sure that things are within my requirements. He welcomes any questions and always encourages me to clarify my doubts. He is definitely someone easy and good to talk to! Chris’ sincere and passionate disposition definitely makes me feel like I’m in good hands. He is meticulous in his explanations and makes sure that I’m comfortable with my choices. He’s a great advisor to have!

I sincerely wanted to thank you for the help that you provided in settling my claims with AIA. It was heartwarming to see your concern for your clients needs. You were extremely prompt and swiftly managed the claims process for us. I would like you to know that we truly appreciate your hard work in assisting us in this very crucial recovery period. You not only came to our rescue when needed but also provided us with regular updates regarding our claims. I am sure AIA is very fortunate to have such a good worker in you. I hope that you keep up the good work and continue to support your clients. Once again, a heartfelt thank you for helping us out.

Thank you for today’s sharing. For mortgage refinancing, would like to look at more risk adverse options other than OCBC (as this is a home). For investment, I’m very new to Unit Trust, would like to start small (as part of overall Strategy to manage my money). Would like to hear more about how this can be done with little management (hassle free, unlike stocks), based on my risk profile & having a customized portfolio.

With the timeline, it is so much clearer & empowering. I like the framework a lot. The sharing is very beneficial to me as I have been wanting to look at better options to deploy my funds (other than in the bank). Overall, the sharing is very comprehensive, covering specifically my lifestage, and you are able to understand & relate back to me, & to guide me along on how I should be planning (short to long term). Other consultant friends may not have been so relatable.

I believe in having sufficient. This is an interesting & useful conversation, learnt about financial budgeting norm of 4,3,2,1, most things are covered during the sharing. I’m currently pretty well covered for my basic Retirement needs, human always want more (but they are good to have). Chris & Sky have very comprehensive plan & structure for financial consultation, don’t need it now, but very fruitful discussion. Looking forward to the next annual review!

Thank you for the sharing, it is very clear & open conversation. You display great professionalism in the whole consultation process. Overall I feel the consultation is beneficial, 8/10.

This is a very beneficial sharing, 9/10! (as most of others would only share about programs >5yrs). I was looking for exactly something w/o lock-in, and this program is very good & suitable for EP like myself.

Being someone who is new and unfamiliar to insurance policies, I really appreciate Chris for his patience in clearing all my doubts and answering all my queries. His dedication gives me a sense of assurance that my insurance needs are in safe hands.

Great sharing, clears up a lot of misunderstandings about financial planning (esp in the area of Term vs Life insurance), on the definitions & what parameters to take note of. It is very useful to have the planning norm of 40,30,20,10, it opens up my perspective on how to distribute monthly income. Thank you!

Thank you for the refresher. Prior to the meeting, I have understood most part of financial planning & the different types of it. Right now, it is about figuring out how much is needed (& not getting ‘over-insured’) & the process to go about securing a customized solution.

Sharing by Chris is very personal, & relatable. You made it very simple to understand, & yet being very comprehensive and detailed. You answered all my questions, which is important for future planning.

Chris & Sky provided a very professional presentation about self, organization & very transparent (Nothing to hide). The information & content is very good & accurate (I’m very particular about this & will cross check it on my own). The advantage of advice from Chris is that they consider my needs & what is good for me. My previous concerns (working with so many consultants before, was being uncomfortable w product pushing & beating ard the bush). I also like it when Chris & Sky offered me an option to meet via zoom, as it’s very inconvenient for me to meet physically (work, further studies). Looking forward to the next session to discuss more concretely in “optimum method” to optimize my portfolio moving forward!