Our Team

“Great things in business are never done by one person.
They’re done by a team of people.”

Steve Jobs

TOGETHER WE MAKE A DIFFERENCE

In Win Financial Group, we believe professionalism is a continual growth process. More than 80% of our Financial Advisors are Associate Financial Planners or Associate Financial Consultants.All of our consultants are well-equipped to conduct comprehensive, full financial needs assessment and planning for our clients.We place high emphasis on knowledge and excellence after sales service to serve our clients.We strive to build long term yet meaningful relationships so as to influence our clients to better plan for a more financially secured future.

Leaders

Winnie Cheah
Master District Director
Title : Master District Director, Premier Leader, MDRT Consultant
Year Joined : 1997
Years of Experience : > 15 years
Education : Degree in Business Administration
Industry Certifications : CFP®, ChFC®, Dip SCI
Notable Achievements : COT, Life MDRT, Pinnacle Club, PWM
Specializations : Corporate-Solutions, Financial-Planning, General-Insurance, Legacy-Planning
Hobbies : Learning from industry leaders, Reading
Title : MDRT Consultant
Winnie Cheah
Master District Director

“In the face of obstacles, instead of asking: what’s wrong? Ask instead: what’s next.
-Winnie Cheah

Winnie's Story

It was during 1997 Asian Financial Crisis that I made the bold move to join the Insurance Industry. There was no looking back ever since. I faced many obstacles transiting from Banker to Advisor and I am grateful for supportive clients who have given me the opportunity to partner with them in their financial planning journey. I embrace life with an attitude of excellence and firmly believe that success is by design. Other than the mentors who have guided me, I am thankful for the many veterans ahead of me who have penned down their greatest lessons in books – which has brought me to where I am today. My dream eventually is to write and publish my own book.

Read More About What Others Have To Say About Winnie

“I was unable to claim on my policies due to poor advice from my previous advisor. I was introduced to Winnie and she focused on understanding my concerns before recommending any solutions. I was convinced of her sincerity and eventually entrusted my family's insurance planning to her.”
-Cami Soh, Director of Operations

“I was serviced by Winnie since Army and it took me a while for me to appreciate the benefits of financial planning. Without her relentless follow-up, I would not have gone to the extent of systematically planning my retirement years and children's education.”
-Ken Lee, University Professor

“Winnie delivers her service through sound advice, prompt response and an immaculate claims process supported by her staff.  I am very assured of the level of commitment Winnie has for all clients despite the many hats she has to wear.”
-Jeslyn Phua, Senior Executive


Dovanson Quah
Financial Services Associate Director
Title : Financial Services Associate Director, Premier Leader
Year Joined : 2012
Years of Experience : 5-10 years
Education : Degree in Electrical & Electronics Engineering
Industry Certifications : AFP
Notable Achievements : Centurion, MDRT, Pinnacle Club
Specializations : Corporate-Solutions, Financial-Planning, General-Insurance
Hobbies : Football, Photography, Singing
Title : Premier Leader
Dovanson Quah
Financial Services Associate Director

Love as you would have others love you.
-Unknown

Dovanson's Story

I was an undergraduate when I first joined AIA as an FSC as a way of earning extra allowance. However, over the years, I found a sense of belonging to Win Financial and a burning passion for the career. Upon graduation, I was offered to work in Australia to join my father in a Japanese Engineering MNC, which I turned down after much consideration. I had witnessed sufferings that a family would go through without proper financial planning, but more often than not, this realization comes too late for many, and the price to pay becomes too high. Therefore, it has since then been my plan to educate as many people as possible on the importance of having proper financial planning.

Read More About What Others Have To Say About Dovanson

“I have known Dovanson for almost half of my life and his reliability and patience have been unwavering. He is a big help in getting my finances in order - always willing to go the extra mile even though there is nothing in it for him. I am clueless and fazed about financial planning, and he took the effort to explained in the most simplistic manner to the point till I finally understood - kudos to that.”
-Cheryl Lim, Associate Director, Advertising

“Dovanson and I have known each other since secondary school. I approached him to handle my AIA policies as I preferred someone familiar. Dovanson plans for me according to my current situation. He had even advised me not to take up any policy at some point in time because I was well covered. This is the mark of a truly professional financial advisor.”
-Chew Sin Kiat, IT Security Specialist

“Being part of Spartans Advisors made me realised how fortunate I am to be groomed and nurtured under the wings of Dovanson. I am extremely grateful for his selflessness and patience. Such servant leadership has brought out the best in me. To my boss and mentor Dovanson, you deserve an extra note of thanks for bringing me to where I am today!”
-Chermayne Tng, Career Consultant


Kevin Toh
Financial Services Associate Director
Title : Financial Services Associate Director, Premier Leader, MDRT Consultant
Year Joined : 1995
Years of Experience : > 15 years
Education : Diploma in Electronic Engineering
Industry Certifications : AFP, AFC, Dip SCI
Notable Achievements : Centurion, Life MDRT, Pinnacle Club, PWM
Specializations : Financial-Planning, Legacy-Planning
Hobbies : Golf
Title : MDRT Consultant
Kevin Toh
Financial Services Associate Director

“Ask not what the country can do for you, ask what you can do for your country.
-John F. Kennedy

Kevin's Story

I was formerly a Guards Officer before I made a career switch in 1995 to become an AIA FSC. In my 24 years with AIA, I qualified for many prestigious awards, such as Life and Qualifying member of Million Dollar Round Table. Moving on to Agency Management in 2015, I am now also involved in recruitment training and performance management. I personally embrace the philosophy of work-life harmony. An FSC should not only commit to serving his clients, but take care of his family and serve the nation too. Personally, I love talking about life with my son outside of work hours, and playing a game of golf with my friends and clients as a form of exercise.

Read More About What Others Have To Say About Kevin

“I have known Kevin for the last 10 years. He displays professionalism in his conduct and is knowledgeable in financial planning. Kevin’s business is client centric. He takes time and effort in developing a solution customised specifically for your needs. If you would like a peace of mind against potential risks, Kevin is your guy!”
-Cephas Ong, Army Major

“Attentiveness, knowledge and genuine interest in achieving the best for clients is what sets Kevin apart. What impressed me was the fact find process Kevin took to understand my life goals and needs, before he curated a plan that is within my means. I will be glad to recommend Kevin to anyone looking for a stable and experienced advisor.”
-Deborah Koh, Lieutenant Colonel

“I have been under the leadership of Kevin for over 3 years and what I admired in him is his professionalism, experience and conviction in the industry. He not only guides but willingly shares his knowledge and wisdom to grow us. He never fails to remind us to conduct our business with empathy and integrity, especially in giving advice to clients.”
-Mavic Miyahara, Financial Services Consultant


Melvyn Tham
Financial Services Associate Director
Title : Financial Services Associate Director, Premier Leader
Year Joined : 2013
Years of Experience : 11-15 years
Education : Diploma in Chemical Process Technology
Industry Certifications : ChFC®, CLU®, IBF Advanced
Notable Achievements : Million Dollar Club, Pinnacle Club
Specializations : Financial-Planning, General-Insurance
Hobbies : Badminton, Playing and doing art with kids
Title : Premier Leader
Melvyn Tham
Financial Services Associate Director

“I am the master of my fate, I am the captain of my soul. I am Invictus!
-William Ernest Henley

Melvyn's Story

I was formerly a Bancassurance Specialist when I first joined the Insurance Industry in 2008, before becoming a Financial Services Manager at Win Financial. Even as a manager, my mission stays to assist individuals and organizations fulfil their financial objectives by recommending only the best solutions, which I would personally take if I was in their position. Being in the Insurance Industry allows me to not only help those in need but also grow myself as an individual. A work accomplishment I am most proud of is being appointed as the Industry Representative and Honorary Secretary of Insurance and Financial Practitioners Associate of Singapore (IFPAS). Apart from work, I love to play badminton to maintain a healthy lifestyle.

Read More About What Others Have To Say About Melvyn

“Melvyn is professional, detailed and knowledgeable. Before he came along, my policies were in a mess! Melvyn offered to bring everything home to tidy up for me. He summarized my plans in an easy to comprehend manner which I believe took him many nights. I am so thankful and relieved to know where I stand now in terms of my financial planning situation.”
-Ser Choon, HOD

“Melvyn is a leader who caters his coaching towards his FSC’s unique strength and circumstance. Through him, I cleared many doubts and gained great confidence as an insurance professional. Our training sessions felt more like peer learning and he is very receptive to new ideas. He allows room for mistakes which gives me assurance to venture into the unknown. Melvyn always encourages his team to engage in continual learning so we can set ourselves apart from the rest!”
-Shipra Goel, Financial Services Consultant


Junxiong
Financial Services Associate Director
Title : Financial Services Associate Director, Premier Leader
Year Joined : 2003
Years of Experience : > 15 years
Education : Degree in Engineering
Industry Certifications : ChFC®, IBF Advanced
Notable Achievements : Hall of Honour, Pinnacle Club, Superstar Gold
Specializations : Corporate-Solutions, Financial-Planning, General-Insurance
Hobbies : Basketball, Travelling
Title : Premier Leader
Junxiong
Financial Services Associate Director

Service to others is the rent you pay for your room here on earth.”
-Muhammad Ali

Junxiong’s Story

I initially joined AIA as an FSC to earn extra income during my undergraduate days in NTU. But it eventually grew into a commitment to help people I crossed paths with. With more than a decade of experience in the financial services industry, I understand the common financial concerns that individuals and families go through during their different stages of lives. As an FSC, I am committed to ensuring that all my clients’ financial planning needs are well taken of. When I helped a client claim a $1 million hospitalisation bill for end-stage Lymphoma, it was then that I saw how meaningful my job was. As cliché as it may sound, to be a good FSC takes dedication and sincerity.

Read More About What Others Have To Say About Junxiong

“I was on the lookout for insurance coverage for my family members and myself when I first knew Junxiong. During our first meetup, he listened to our concerns and highlighted the gaps in our financial plans. He only recommended policies that matched our needs. Through the years, Junxiong helped us tie through difficult times when our loved ones were sick and hospitalized. Junxiong is an advisor that genuinely cares!”
-Zhu Sheng Jie, Teacher

“Junxiong managed my insurance policies since I was in the army. He was sincere in his approach and never recommended me to take anything more than I could afford. Today, Junxiong is the trusted planner for my family and extended family. We really value this relationship and his sound advice on financial related matters.”
-Marcus Lim, Manager

“I have been mentored by Junxiong ever since I first joined AIA. Junxiong joined AIA since 2003 and has strong conviction in his role as a trusted advisor towards his clients. A selfless manager who leads by example, Junxiong never hesitates to share his knowhow and skills with his team members which has been instrumental in my growth as an advisor.”
-Ron Jacob, Financial Services Consultant


Paul Chee
Financial Services Manager
Title : Financial Services Manager, Premier Leader
Year Joined : 2001
Years of Experience : > 15 years
Education : Degree in Political Science (Honours) & Church Ministry
Industry Certifications : CFP®, ChFC®
Notable Achievements : Superstar Gold
Specializations : Corporate-Solutions, Financial-Planning, General-Insurance
Hobbies : Read, Spend time with family, Travel
Title : Premier Leader
Paul Chee
Financial Services Manager

“The challenge of leadership is to be strong, but not rude; be kind, but not weak; be bold, but not a bully; be thoughtful, but not lazy; be humble, but not timid; be proud, but not arrogant; have humour, but with folly.”
-Jim Rohn

Paul's Story

I joined AIA as an Undergraduate FSC in 2001, and culminating in my present role as an agency manager. I’ve had the privilege of speaking at various functions; sharing my knowledge and experience with fellow practitioners and the general public at large. My passion lies in inspiring my clients and junior consultants to be financially free. To remain at the cutting-edge of the industry, I regularly upgrade my knowledge. I believe that Financial Planning is not about the “product”, but all about the “person”. Therefore, being able to provide better quality advice and service to my clients is of utmost importance to me. As a devoted Christian, I strive to live by the values of Integrity, Dedication and Professionalism.

Read More About What Others Have To Say About Paul

“Paul has been my trusted Advisor for over fifteen years. He reliably planned for me as my needs changed, from buying my first home to having my firstborn, then my second. I will always take his prudent recommendations.  He is also always prompt and efficient during claims. I totally recommend him!”
-Carolin Wong, Senior Marketing Manager

“Paul always responds promptly. He patiently guided me when I contacted him after many years. I indicated to buy a new plan but he firmly advised me to consider my overall needs instead of comparing yields and premiums. Being knowledgeable and responsible, he explained why certain plans do not suit my needs. Anyone can rely on Paul for excellent financial advice.”
-Koh Siew Min, Managing Consultant

“I joined Paul before entering university. As my mentor, Paul unconditionally encourages and motivates me to pursue my dreams. Paul is a patient leader and he has never unduly stressed me. Instead, he walks alongside and supports me like a big brother. His analytical insights help me to constantly improve myself. Thank you, Paul for your mentorship and guidance in my career journey.”
-Duke Cheng, Career Consultant


MDRT Consultants

Francesco Lim
MDRT Consultant
Title : MDRT Consultant, Career Consultant
Year Joined : 2017
Years of Experience : < 5 years
Education : Degree in Computing & Business
Notable Achievements : MDRT, PWM, Superstar Platinum
Specializations : Financial-Planning, Legacy-Planning
Hobbies : Meditating with my daughter
Title : Career Consultant
Francesco Lim
MDRT Consultant

Set your heart on doing good. Do it over and over again, and you will be filled with joy. If you want others to be happy, practice compassion. If you want to be happy, practice compassion.”
-
Dalai Lama

Francesco’s Story

I was formerly a self-employed franchisor and retailer at outlets in Singapore and China. As a mother of two, however, I wanted to spend more time with my family in Singapore. I saw how my husband, as a Financial Services Associate Director at Win Financial, had helped many clients over his fifteen years in the industry. As such, I decided to join the team and become an FSC too. When I presented a claim cheque to a single mother who had breast cancer during her treatment period, I saw how meaningful my job can be – life is unpredictable, and everyone should have a Financial Advisor who is compassionate and willing to accompany them in their financial planning journey.

Read More About What Others Have To Say About Francesco

“Francesco is an incredibly patient financial planner. She is dedicated to finding the best and most effective coverage for her clients. Being a devoted Buddhist, Francesco is genuine in helping her clients and not doing business for the sake of maximising her own gains. If anyone needs a caring yet professional advisor, she is the one!”
-Clara Thang, Construction Firm Director

 “Francesco takes care of my family’s financial planning needs. I am impressed with her helpfulness and prompt response whenever we have any questions or need help in claims or policy changes. I would recommend Francesco to anyone who requires a responsible Financial Services Consultant.”
-Lynette Lee, Specialist Doctor

“I am greatly blessed to have Francesco (Fran in short) as my consultant in 2019. I am retiring in a few more years and I wished that I knew her earlier so that she could plan my different life stages in a holistic way. Fran has certainly provided very sound advice and as a result I entrusted her with my retirement and legacy planning. I endorse Fran as one of the best consultant you can ever have!”
-Dr Tan SN, Professor (Lecturer)


Leo Tan
MDRT Consultant
Title : MDRT Consultant, Career Consultant
Year Joined : 2016
Years of Experience : 5-10 years
Education : Degree in Systems Engineering
Industry Certifications : AWP, CFA® Level 2
Notable Achievements : Centurion, MDRT
Specializations : Financial-Planning
Hobbies : Cycling, Piano, Tennis
Title : Career Consultant
Leo Tan
MDRT Consultant

“Don’t celebrate closing a sale, celebrate closing a relationship.”
-
Patricia Fripp

Leo's Story

The opportunity to venture into this career presented itself from an introduction by a mutual friend. Despite being initially sceptical, what drew me to this line of work eventually was my interest in personal finance and the entrepreneurial nature of my work. I also see it as a valuable opportunity to help others have peace of mind and reach financial freedom with proper insurance planning. Developing a long-term working relationship with my clients and being able to serve them at every stage of their lives are my goals as a Financial Services Consultant. With a combination of integrity and commitment, I hope to be the trusted one-stop financial solution for all my clients.

Read More About What Others Have To Say About Leo

“I bought my first policy through Leo when I first enlisted into the Army. Not only is Leo highly committed to his profession, he has outstanding work ethics and never compromises on his moral standards. I would recommend Leo to anyone without hesitation or reservation.”
-Ng Chee Hao, Marketing Consultant

“Thank you, Leo for sharing your love and concern, and for introducing me to AIA! I deeply appreciate your sincere and attentive service as an advisor and your painstaking effort in customizing a detailed plan that is suited to my needs. Keep up the good work!”
-Aiysh Shiekh, Teaching Instructor

“Leo is a trustworthy financial consultant. I can depend on him to keep my financial plans in check and rely on his sound advice on how I can constantly improve it. A highly recommended financial consultant!”
-Hansel Tantohari, Student


Lyndon Lim
MDRT Consultant
Title : MDRT Consultant, Career Consultant
Year Joined : 2016
Years of Experience : 5-10 years
Education : Degree in Business Management
Industry Certifications : AFP, AWP
Notable Achievements : Centurion, MDRT, PWM
Specializations : Corporate-Solutions, Financial-Planning, General-Insurance, Legacy-Planning
Hobbies : Baseball, HIIT, Watching Korean dramas
Title : Career Consultant
Lyndon Lim
MDRT Consultant

“Always help someone. You might be the only one who does.”
-Unknown

Lyndon's Story

I love travelling because I get to learn important life lessons from the people that I meet, and the insurance business provides just the avenue for me to do so. Having been in the insurance industry, helping clients tie through claims and their challenges in life, my conviction is this: insurance can change lives, and I can change lives. I acknowledge that being a competent and dedicated consultant to my clients demands great commitment, but it is definitely satisfying to live up to their expectations! As clients become friends and friends become clients, it empowers me to stay in touch with them and walk through life together as we often meet up for reviews on a yearly basis.

Read More About What Others Have To Say About Lyndon

“Not your average financial advisor. Ping Cheong (Lyndon’s other name) genuinely cares for his clients and often goes beyond what is expected. I recall during the start of Covid-19, he proactively called me up to suggest adjusting my portfolio which eventually played out well. Exceptionally professional and friendly, I am thankful to have Ping Cheong as my financial advisor.”
-Marx Low, Senior Software Engineer

“Ping Cheong is highly responsive and gives good recommendations as an insurance practitioner. He would assess my financial situation and goals before recommending a product. He is an MDRT Agent who is honest and acts best in his clients’ interests. Would highly recommend Ping Cheong to my friends for their insurance needs.“
-Yeow Min Quan, Analyst

“Ping Cheong is passionate & dedicated in helping his clients improve their lives in areas of insurance and wealth planning. He provides efficient services and often goes the extra mile to care for his clients’ wellness. Happy to have an MDRT agent servicing me. This is one guy who gets the job done with heart and sincerity.”
-Phyu Phyu, Bank Analyst


Financial Services Consultants

Anson Cheng
Financial Services Consultant
Title : Career Consultant, Financial Services Consultant
Year Joined : 2013
Years of Experience : 5-10 years
Education : Degree in Engineering
Industry Certifications : AFP
Notable Achievements : Million Dollar Club Platinum
Specializations : Corporate-Solutions, Financial-Planning, General-Insurance
Hobbies : Fixing models, Reading, Watching Netflix
Title : Career Consultant
Anson Cheng
Financial Services Consultant

If you really want to do something, you’ll find a way. If you don’t, you’ll find an excuse.
-Jim Ron

Anson’s Story

I was first introduced to this profession by an internship offer. Being an Engineering student, the career path as a Financial Consultant was something that has never crossed my mind. After meeting my Director and Mentor, Winnie, I realised this is a career that could give me a purpose at work. Insurance and financial planning are extremely important in this fast-developing world and I strongly believe that everyone should have proper planning. This belief started when my father suffered a minor stroke and we were unable to afford the medical bills. Nobody should be a liability to others and it is vital that everybody is able to get back on their feet quickly after a fall.

Read More About What Others Have To Say About Anson

“Before recommending any insurance policies, Anson listened patiently to my concerns and was prompt in answering my questions whenever I had doubts. Through working with Anson, I found him to be a man with great integrity and good work ethics. Anson is an advisor who is attentive towards his clients’ needs and definitely one I can entrust my financial planning with!”
-Kerin Kok, Teacher

“I am extremely fortunate to have Anson to service my insurance policies. My experience with insurance advisors improved tremendously ever since. From ensuring that my policies were up to date to advising me on risk management strategies to protect me. Anson is there not only as an insurance agent but also a close family friend.“ 
-Bernard Kay, Operations Manager

“I want to thank my agent Anson for the excellent work he is doing in taking care of my family’s insurance and investments needs. I am glad that Anson is now managing my family’s policies with AIA. Over the course of 2 years, we have developed a certain level of trust with him. Anson, thanks for your help and I hope you continue to help many more families.”
-Arwin Reyes, Director


Anthony Lopez
Financial Services Consultant
Title : Financial Services Consultant
Year Joined : 2018
Years of Experience : < 5 years
Education : Pursuing Degree in Business Administration
Specializations : Financial-Planning
Hobbies : Playing badminton, Providing financial advice
Title : Financial Services Consultant
Anthony Lopez
Financial Services Consultant

Compound interest is the 8th wonder of the world.
-Albert Einstein

Anthony's Story

I found my interest in finance during my NS days when I attended investing and trading courses during my free time. I recognize that although investing and trading is not for everyone, all of us need proper financial planning to safeguard our financial future. That was why, when given the opportunity to join an internship with Win Financial, I wasted no time in signing up. I eventually decided to contract with AIA, putting into practice what I have learnt. Although I had to juggle between work and school, I am committed to serving my clients at all points of their lives. I believe that an individual who plans adequately early in life would reap the benefits later in life.

Read More About What Others Have To Say About Anthony

“Anthony is an amiable and responsive consultant. He is quick in his response and always ensures he gets back to me whenever I have any request or enquiry. Thank you Anthony for giving me a good head start in my financial planning journey.”
-Jordan Kong, National Serviceman

“Friendly and helpful, that is Anthony. He is always ready to share any updates that concerns me or my policies. I enjoy working with Anthony as he ensures he services his clients well and takes good care of my financial health.”
-Daniel Lo, Law Undergraduate

“Anthony has a good grasp of his work and can explain financial planning in an easy to understand manner. He is a focused guy and you can rely on Anthony to get things done!”
-Villanueva Gonzales, National Serviceman


Bao Hui
Financial Services Consultant
Title : Career Consultant, Financial Services Consultant
Year Joined : 2015
Years of Experience : 5-10 years
Education : Degree in Business (Marketing)
Notable Achievements : Million Dollar Club Gold
Specializations : Financial-Planning
Hobbies : Singing
Title : Career Consultant
Bao Hui
Financial Services Consultant

No amount of money ever bought a second time.
-Iron Man

Bao Hui's Story

While undergoing Business Studies at Ngee Ann Polytechnic, I realised I wanted to build a business of my own. After completing my NS, I chanced upon the opportunity to be an FSC with Win Financial. At the age of 21, I had little knowledge about the financial services industry. Through the guidance of my mentors, I began to see the career not only as an entrepreneurial one, but one that was meaningful. I saw the importance of financial planning and that the career is ultimately about serving people. I am willing to go beyond the duty as an FSC and I see this commitment as a promise to my clients that I will be there for them throughout the different stages of their lives.

Read More About What Others Have To Say About Bao Hui

“Bao Hui is a wonderful insurance agent. He did an excellent job in managing all my policies and he is knowledgeable and conscientious. With him as my advisor, I am assured that my well-being is taken care of and I do not have to worry about anything.”
-Tan Jing Ting, Market Researcher

“A very sincere and conscientious financial advisor, Bao Hui helped me develop a plan for me to grow my wealth taking into consideration my goals in the next 5 to 10 years. I entrusted him to plan for my Aunt too, whom I am a sole caregiver for. Thank you Bao Hui for the effort to help me achieve my goals.”
-Jeremy Tan, Senior Consultant


Bryan Phua
Financial Services Consultant
Title : Career Consultant, Financial Services Consultant
Year Joined : 2016
Years of Experience : 5-10 years
Education : Degree in Science
Notable Achievements : Million Dollar Club
Specializations : Financial-Planning, General-Insurance
Hobbies : Floorball, Gaming
Title : Career Consultant
Bryan Phua
Financial Services Consultant

Strength does not come from what you do. It comes from overcoming the things you thought you couldn’t.”
-Rikki Rogers

Bryan’s Story

I started my journey as an FSC while studying in NUS. I was initially sceptical to join the financial industry as I would do so as a science student. I then decided to look at it from a different perspective, where I would have an edge in finance over and above my science knowledge. After witnessing how proper financial planning had helped my family, I wish to be able to reach out to many people through this career and make a positive difference for them through application of my knowledge and advice. As an FSC, I aim to give my 101% to all my clients and help them with the best that I can.

Read More About What Others Have To Say About Bryan

“Hwee Kiat (other name for Bryan) has been a great friend and financial advisor. A down to earth person who is ever so patient and willing to share his advice. He also makes a conscientious effort to check in with me on a regular basis and to provide timely updates. I feel reassured of my insurance coverage with him in charge.”
-Gwee Chia Hong, Administrator

“I have known Hwee Kiat for a decade and he is a trustworthy, sincere and helpful person. I still recall his first advice was to get a hospitalisation plan. When I was excluded for a health condition, he even advise me to try for a better offer from another insurer instead of just taking up the counteroffer. Thankful to have an advisor who puts my interest above all else.”
-Tan Sin Kuan, Engineer

“Bryan is a caring consultant who always considers my situation and needs. He does his prep-work diligently and evaluates my needs accurately. He makes exceptionally relevant recommendations that suit my unique situation. Bryan is an excellent person and a trusted financial advisor whom I am glad to work with through my different life stages.”
-Ho C.L, Accountant


Chermayne Tng
Financial Services Consultant
Title : Career Consultant, Financial Services Consultant
Year Joined : 2017
Years of Experience : < 5 years
Education : Degree in Business Management
Notable Achievements : Million Dollar Club Gold
Specializations : Corporate-Solutions, Financial-Planning
Hobbies : Fashion discovering, Scrapbooking, Vintage collectibles
Title : Career Consultant
Chermayne Tng
Financial Services Consultant

Work hard in silence, let your success be your noise.
-Frank Ocean

Chermayne's Story

I used to dabble in the world of fashion since my undergrad days but realized that I will need a job that was more sustainable and fulfilling in the long run – one that I could retire in. Job satisfaction and the fact that my work would extend beyond what was skin-deep were key highlights that brought me to AIA. This career allows me to possess the knowledge to ensure that my family is well-protected against the unpredictable nature of the future and I am also able to help my friends and clients achieve their desired financial goals. I believe that life’s fulfillment comes from self-enhancement and making significant impact in other people’s lives.

Read More About What Others Have To Say About Chermayne

“Throughout my adult life, I was always hesitant to purchase insurance coverage for myself as it was difficult to find someone trustworthy. Meeting Chermayne was life-changing and I knew she has my best interests in mind. Her friendliness and sincerity in helping me eventually convinced me to get myself covered.”
-Teo Pei Fan, Administrative Assistant

“Chermayne has been a great help to me. She is professional and competent, at the same time ever friendly and patient. If she does not have an answer for me at any time, she ensures she comes back with the information that I need. I deeply appreciate her exceptional service. Thank you Chermayne!”
-Jayde Tan, Graphic Designer

“Chermayne is a highly motivated lady, possessing strong conviction and sound knowledge in her field. After understanding my financial situation and goals, she tailored a comprehensive financial portfolio that best addressed my needs. I am glad to have forged a meaningful partnership with Chermayne, and I believe she will continue to improve my future through her dedication towards her clients!”
-Peng Han, NUS Student


Christina Pong
Financial Services Consultant
Title : Financial Services Consultant
Year Joined : 2013
Years of Experience : 5-10 years
Education : Degree in Business Management
Industry Certifications : AWP
Notable Achievements : Million Dollar Club Gold
Specializations : Financial-Planning
Hobbies : Visiting food places, Watching movies
Title : Financial Services Consultant
Christina Pong
Financial Services Consultant

When you understand that life is a test, you realise that nothing is insignificant in your life.”
-Rick Warren

Christina's Story

When I first started as an FSC intern, I did not harbour much expectation as to what was to come. However, while receiving coaching and guidance from my Director and Mentor, I developed a passion for this career and saw how I can value-add to the lives of families and friends around me. People rarely see the importance of insurance, until an unexpected encounter occurs. It is all about the little difference that we can make in their future. I enjoy what I am doing because it encompasses both my interests and knowledge. I also love to explore new food places and catching up with friends outside of work hours.

Read More About What Others Have To Say About Christina

“Christina has helped me with my financial planning since I started work 6 years ago! I am always impressed with how neat and organised she is with everything. Christina gives great and practical advice. She is not pushy and is always ready to help me with any questions I ask. Thankful to have Christina as my family advisor.”
-Grace Tan, Executive

“Christina is quick to listen and yet takes careful consideration of my situation and goals before proposing any plans. She helped me consolidate my financial plans in an easy to understand manner to identify gaps. Her recommendations always allow for alternatives and adjustments according to my affordability. Thank you Christina for going the extra mile for your clients.”
-Lee Han, Executive

“In my financial planning journey, one of the things that I greatly value is Christina's timely check-ins and follow-through, to ensure that I am adequately covered and kept abreast with the latest policy developments. Be it as an advisor or friend, I know I can count on Christina to watch my back in this journey, to provide me with the advice and support whenever needed.”
-Abigail Soh, Statistical Analyst


Darryl Ong
Financial Services Consultant
Title : Financial Services Consultant
Year Joined : 2019
Years of Experience : < 5 years
Education : Pursuing Degree in Mechanical Engineering
Specializations : Financial-Planning
Hobbies : Football, Swimming, Taekwondo
Title : Financial Services Consultant
Darryl Ong
Financial Services Consultant

You miss 100% of the shots you don’t take.”
-Wayne Gretzky

Darryl’s Story

I came to know and learn more about the Financial Services Industry when I enrolled into Win Financial’s Summer Internship Program (VEIN). The program was an eye opener and I decided to join the team as a Financial Advisor. This was a decision I never regretted. Having to do my first ever claim for a close friend I knew from my army days, was the moment when I deeply appreciate the meaningful aspects of my career. I realised I can create a positive impact to others by helping them protect themselves from the hazards of life. I am an active person and I attained a black belt in Taekwondo. Progress motivates me and I look forward to achieving greater success in my personal development.

Read More About What Others Have To Say About Darryl

“I was about to enter the workforce and my parents decided to let me take over all my insurance policies. I was unclear of what I was covered and sought Darryl’s advice. During our first appointment, Darryl explained in detail what each policy covers and highlighted areas where I could fill the gaps. It was a fruitful appointment and it made me realize how lucky I am to have parents who believe in starting insurance early for me.”
-Tay Zheng Hui, Private Tutor

“I was approached by Darryl during army and I decided to start financial planning early upon his advice. Darryl takes the effort to understand my needs and concerns and suggested areas where I could plan. He considered my different life stages and ensured that I could still afford to go for my student exchange and comfortably pay for the down payment of my first HDB.”
-Justin Ong, Accountant

“I was piled up with student loans that started in Polytechnic and had trouble clearing them upon entering army. Darryl was the first consultant who gave me advice to defer the payment because I was in National Service. He even shared with me how I can obtain funding and scholarship to subsidise my University fees. Having an advisor who is in the same life stage as myself has helped me tremendously!”
-Kevin Yong, University Student


Duke Cheng
Financial Services Consultant
Title : Financial Services Consultant
Year Joined : 2016
Years of Experience : 5-10 years
Education : Degree in Business Management (Finance)
Industry Certifications : CFP®
Notable Achievements : Million Dollar Club
Specializations : Financial-Planning, General-Insurance
Hobbies : Basketball, Singing
Title : Financial Services Consultant
Duke Cheng
Financial Services Consultant

Hard work beats talent when talent does not work hard.”
-Kevin Durant

Duke's Story

When I was working in DBS, I got a call from Win Financial to explore a career in the Financial Services Industry. With a keen interest in finance, I took a leap of faith to join their internship and felt a deep connection to the industry. In my journey as an FSC, I once helped a client update his insurance portfolio and filled up the gaps which ultimately helped him claim over $100,000 when he was subsequently diagnosed with prostate cancer. This was a major milestone in my career where it reminded me of the meaningful difference I am making to others. During my free time, I play basketball not only for fitness, but to bond with my friends.

Read More About What Others Have To Say About Duke

“Duke is a professional advisor. I put 100% trust in him as he will share his honest opinion on what suits his clients best. He took time and effort to fully understand my needs before giving any recommendations, which I really appreciate. I would certainly refer him to anyone who requires sound financial advice!”
-June Oh, Marketing Associate

“Despite knowing Duke for less than a year (then), I approached him for financial planning advice right after graduation. During our first meetup, he took the effort to understand my priorities and goals. At that point, I was assured I approached the right person. Duke wants the best for his clients and ensures they are covered in the essential aspects.”
-Jasmine Seng, Tax Associate

“Duke is a very dependable advisor. He ensures that his clients' needs are well taken care of during any sharing or review sessions. He provides sound insights, while being extremely patient and open to questions. I am happy to recommend him to anyone who requires an opinion on financial planning.”
-Yi Ling, Talent Development Associate


Dylon Poh
Financial Services Consultant
Title : Career Consultant, Financial Services Consultant
Year Joined : 2013
Years of Experience : 5-10 years
Education : Degree in Business Management (Operations)
Industry Certifications : CFP®, ChFC®, IBF Qualified
Notable Achievements : Million Dollar Club Gold
Specializations : Financial-Planning, General-Insurance
Hobbies : Diving, Running, Swimming
Title : Career Consultant
Dylon Poh
Financial Services Consultant

Life and business is like changing seasons. You cannot change the seasons, but you can change yourself.”
-Jim Rohn

Dylon's Story

I was interested in finance and dreamt of becoming an entrepreneur. When my Mentor, Winnie, offered me an internship, I knew it was an opportunity to pursue my dreams. However, I was initially sceptical about the career path of an FSC. What made me take on this career eventually was when I learnt about the story of my colleague presenting a claim cheque to a widow. It enlightened me on the true meaning behind this career – the ability to impact the lives of many. Coming from a family with financial burdens, I saw the importance of financial planning and the need to prepare for rainy days, and I am committed to giving my clients my best. 

Read More About What Others Have To Say About Dylon

“Dylon is a helpful and experienced consultant. Coming from an actuary background, I really like his advice as it was honest and genuine. This has helped with my financial planning process tremendously!”
-Shawn Neo, Guards Officer

“Dylon is an agent who provides me with up-to-date information about my insurance portfolio. He delivers his honest opinions on financial planning strategies. I appreciate Dylon for his diligence in following up with me. I never once felt Dylon is out to ‘hard sell’ me and is thankful to have a friend and an advisor blend into one.”
-Sean Lim, Business Consultant

“I find Dylon very approachable and efficient in his work and communication. During our meet up, he clearly explained my policies and did a great job helping me compare the various options I was evaluating. Excellent advisor to have!”
–Lishanth Thangavelu, Teacher


Eddy Goh
Financial Services Consultant
Title : Financial Services Consultant
Year Joined : 2019
Years of Experience : < 5 years
Education : Pursuing Degree in Real Estate
Specializations : Financial-Planning
Hobbies : Food hunting, Playing badminton
Title : Financial Services Consultant
Eddy Goh
Financial Services Consultant

The best investment you can make, is an investment in yourself.”
-Warren Buffet

Eddy’s Story

“The best investment you can make, is an investment in yourself” – a motto that I live by, and the reason behind my decision to take up Win Financial’s Internship Program before I entered University. It was a summer well spent and I gained great insights into the financial planning industry. I accepted the offer to become a Financial Advisor as I believe in the meaningful aspects of the career. I am also very intrigued with the mechanics of investing and I hope to attain greater wisdom in this area to better advise others and manage my own wealth. During my free time, I love to go food-hunting and play badminton.

Read More About What Others Have To Say About Eddy

“Eddy has assisted me in my financial planning and I am very satisfied by the service he provided! Insurance planning can be a daunting process but Eddy helped me to carefully plan and manage my portfolio. Now I am more confident in my financial choices.“
-Jun Boon, Student

“Eddy is a patient advisor who took the effort in explaining different plans available to me. I was further impressed when he shared about how proper financial planning can further help me in my various life stages. It feels comfortable to discuss my goals with Eddy without feeling pressure to purchase plans. Eddy is highly recommended!”
-Carean Lim, Dentist


Glenn Heah
Financial Services Consultant
Title : Career Consultant, Financial Services Consultant
Year Joined : 2019
Years of Experience : < 5 years
Education : Degree in Marketing
Specializations : Corporate-Solutions, Financial-Planning
Hobbies : Catching up with friends, Rock climbing
Title : Career Consultant
Glenn Heah
Financial Services Consultant

Every mountain top is within reach if you just keep climbing.”
-Barry Finlay

Glenn's Story

During the initial stages of my life as a working adult, I struggled to find an ideal position that would enable me to achieve the goals I’d previously defined for myself. Fortunately, this hurdle eventually led me to be a Financial Services Consultant, where I found purpose in helping others have peace of mind, and achieve financial freedom with proper insurance planning. If there’s one thing our line of work has taught me, it’d be that changes in our plans for our lives are inevitable – what matters most is how we respond to such changes and overcome any challenges. As I journey in this career, developing a working partnership with my clients is something that I strive hard to achieve.

Read More About What Others Have To Say About Glenn

“I am writing to commend Glenn for settling my claim expeditiously. I had some apprehension initially but Glenn was assuring yet informative. He patiently addressed my concerns and it made me felt valued. I admire the level of devotion Glenn has for his job and I would be glad to introduce him to all my family and friends. Glenn is indeed a gem!”
-Ting Huan, Credit Control Executive

“Thank you, Glenn for reaching out to me and sharing your experience on managing financial portfolios! I enjoyed the consultative process and through you, I learnt how I can start my financial planning journey early. Thank you for the valuable insights which I found to be so useful to a young working adult like me.”
-Joseph Chow, Membership Executive

“Glenn is unlike any other advisors I have encountered. Instead of pushing products to me, he understood my situation and assessed my needs before introducing the policies to me. Honestly, he eradicated the negative impression I used to have for financial advisors. Glenn is an advisor who serves from the heart.”
-Sherwin Sim, Interior Designer


Isa Zainal
Financial Services Consultant
Title : Financial Services Consultant
Year Joined : 2019
Years of Experience : < 5 years
Education : Pursuing Degree in Business Administration
Specializations : Financial-Planning
Hobbies : Running
Title : Financial Services Consultant
Isa Zainal
Financial Services Consultant

Only when you feel small, can you then start to learn.”
-Ren Zhengfei

Isa's Story

I came across Win Financial through a seminar they conducted in my University. It was through the session I was introduced to financial planning. In my growing up years, my father imparted to me the importance of saving for a rainy day. I decided to join the group’s summer internship to explore the financial services industry. It was an eye opener as I discovered financial planning encompasses risk protection, wealth accumulation and even legacy planning. This realization sparked my interest to become a licensed advisor even before I graduate. I am inspired by my leader Adriann who conducts his business with sincerity which aligns with my personal value of selflessness and integrity. I am not into sports, but I do enjoy running in the morning as it inspires me to start everyday right! 

Read More About What Others Have To Say About Isa

“I met Isa through social media. At first, I was unsure what financial planning was all about. He was patient and clear in explaining the benefits of financial planning and starting early. I took up my first policy with him and I felt glad knowing I have taken the first step! Isa is a patient and friendly person and I have gladly recommended him to my colleagues.”
-Amira Diyana, Cabin Crew

“Isa approached me through a survey and I indicated I was keen in savings. Isa guided me on the various options available to set aside my money yet using part of it to fund my tertiary studies. He was patient and concise on explaining the benefits. I particularly like his concepts on how I can grow my money through compounding.”
-Muhammad Syawal, NSF


Jack Chan
Financial Services Consultant
Title : Financial Services Consultant
Year Joined : 2020
Years of Experience : < 5 years
Education : Pursuing Degree in Electrical & Electronics Engineering
Specializations : Financial-Planning
Hobbies : Basketball, Playing the drums
Title : Financial Services Consultant
Jack Chan
Financial Services Consultant

What doesn’t kill you makes you stronger.”
-Friedrich Nietzsche

Jack’s Story

I started my first financial plan since Army through my advisor, Leo Tan. His passion and willingness to go the extra mile was what inspired me to join him in Win Financial. I aimed to embody the dedication he has for his clients and to meaningfully impact the people around me. I went through an intensive 8-week training and through the seniors, I learnt that good financial planning starts from a good understanding of the client's situation. I look forward to becoming as successful as Leo. Aside from being committed to my job, the time flexibility of my career allows me to play the drums and remain active in the local music scene.

Read More About What Others Have To Say About Jack

“Jack is like a brother to me. He is a down-to-earth guy and I can feel that he genuinely cares for his clients’ well-being. He constantly updates me with market changes, and I feel comfortable entrusting my investment planning with him while I focus on my career at hand.”
-Rubin Tan, Tuition Centre Director

“As a young adult, I am thankful to have started my financial planning journey early. Jack is the ‘hotline’ to all my financial queries. His vast knowledge ranges from investments to economic changes which makes him the go-to person should you have any finance-related questions. Thank you, Jack!”
-Clement Yeo, National Serviceman

“I have always had bad experiences with Financial Advisors. However, Jack always goes the extra mile to serve his clients. Whenever there are issues, he is always contactable and addresses all my concerns. I would not hesitate to recommend Jack to anyone looking to do Financial Planning with a caring advisor.”
-Wayne Nua, Paramedic


Janet Lim
Financial Services Consultant
Title : Financial Services Consultant
Year Joined : 2018
Years of Experience : < 5 years
Education : Degree in Business
Industry Certifications : AFP
Specializations : Financial-Planning
Hobbies : Reading, Travelling, Wine and Dine
Title : Financial Services Consultant
Janet Lim
Financial Services Consultant

The most difficult thing is the decision to act, the rest is merely tenacity.
-Amelia Earheart

Janet's Story

Formerly a Flight Stewardess with SIA, I envisioned to be in a career that allows me to impact more lives. I hence decided to become an FSC after being introduced to Win Financial through a friend. Being empathetic and willing to go that extra mile is what makes me stand out as an FSC. I am thankful to have had qualified for Headstart Seminar in Bangkok in 2018, even though I was new to the company then. I feel at ease when my clients are adequately protected against hazards of life. A fun fact about me is that I really love food and eating, and I also love reading and traveling!

Read More About What Others Have To Say About Janet

“I’m very picky when it comes to engaging a financial advisor. Despite purchasing a small accident plan, Janet is always helpful in offering her advice and assisting me with policies sold by other AIA Advisors. To me, Janet is not only an advisor, she is my friend.”
-Justin Teo, Director

“Janet comes across as a sincere and genuine advisor. There was no stress or pressure during our discussions and meet ups. Appreciate her help and patience in handling my claims and enquiries. She is the loveliest agent you would want to have!”
-Dorcas Zhuo, Homemaker

“Janet always makes the effort to keep me updated of the products and services that her company offers. She is thoughtful, not pushy and ensures that her plans meet my needs before recommending them. I am thankful to have Janet as my Financial Advisor.”
-Alvin Zhao, Business Owner


Joshua Tan
Financial Services Consultant
Title : Financial Services Consultant
Year Joined : 2020
Years of Experience : < 5 years
Education : Pursuing Degree in Business
Specializations : Financial-Planning
Hobbies : Playing the guitar
Title : Financial Services Consultant
Joshua Tan
Financial Services Consultant

To expect the unexpected.”
-Oscar Wilde

Joshua’s Story

After my ORD, I joined Win Financial full time as I desire to be self-sufficient while undergoing my degree studies. I am glad to have a dedicated mentor who guided me and made me feel the sense of purpose as a financial advisor. I am a practical person and I have learnt that financial planning is a logical step for everyone. I started my career by re-examining my own financial plans and that of my family. I am glad to be able to design a plan for my Aunt who was looking into retirement planning. I love music and enjoy playing the guitar. I like to start my own jamming studio one day, to create a space where fellow musicians can hang out!

Read More About What Others Have To Say About Joshua

“Joshua is not just my financial advisor; he is more importantly a friend who understands my needs. A great problem solver, he was able to help me improve my insurance portfolio to one that offers the best protection in the most cost-efficient manner. Good job Joshua!”
-Ginny Lim, Data Analyst Manager

“I love to chat with Joshua! He is well informed about finance matters and through his advice, I learnt to better manage my cash flow. He even gave me suggestions on how I can be more financially disciplined through saving systematically. My money is definitely working harder for me now. Thanks to Joshua, my go-to guy for financial planning.”
-Germaine Tay, Student

“I met Joshua 3 years ago when he joined my music foundation. Through working together, I found Joshua to be a resourceful person who always gets the job done, even when things seem difficult. He is a great asset to any team. Shoot for the stars, man!”
-Walter L, Music Founder


Kelvin Ang
Financial Services Consultant
Title : Career Consultant, Financial Services Consultant
Year Joined : 2013
Years of Experience : 5-10 years
Education : Degree in Business Administration
Industry Certifications : AWP, IBF Qualified
Notable Achievements : Million Dollar Club Gold
Specializations : Corporate-Solutions, Financial-Planning, General-Insurance
Hobbies : Travelling, Volunteering
Title : Career Consultant
Kelvin Ang
Financial Services Consultant

You cannot choose what happens in your life but you can choose what you are going to do about it.
-Jessica Khoury

Kelvin's Story

As I had planned to pay off my tuition loan by the time I graduated from university, I had been working part-time and giving tuition after my NS. The choice and opportunity to become an FSC was clear, when I sat for a financial talk during my university camp. Like some others, I was sceptical about the career initially. However, after finding out and learning more from other experienced consultants, I realised this was the career I was looking for. It is a purposeful career that allows me to be financially independent, and make a difference in other people’s lives. Outside of work, I love to travel around the world and explore different cities and their cultures.

Read More About What Others Have To Say About Kelvin

“Kelvin is a knowledgeable advisor who does not hard sell. Instead, he listens to my concerns so he can better analyse my situation. His recommended solutions usually come with options so he can better establish my preferences. He is well versed in investments, often giving me tips on how to get better returns on my monies.”
-Tan Li Ching, Human Resource Director

“When I graduated from NUS, I was looking for a financial planner. I was glad to be introduced to Kelvin through a friend. Unlike previous planners I encountered, Kelvin was detailed in his process in uncovering my gaps and understanding my needs. I really appreciate how he uses applications such as Goals Mapper to chart out my retirement years.”
-Lim Jia Wen, Marketing Associate

“Kelvin is prompt in his replies, and he avails himself whenever I need him. There was an occasion when I was hospitalised, and he happened to be overseas. He not only helped me check my policy details, he went the extra mile to explain the admission procedures over a long-distance call. Simply put, Kelvin is an advisor that genuinely cares for his clients!”
-Chan Chun Kiat, Army Regular


Leo Zhang
Financial Services Consultant
Title : Financial Services Consultant
Year Joined : 2017
Years of Experience : < 5 years
Education : Masters in Business Administration
Specializations : Financial-Planning, General-Insurance
Hobbies : Exercise, Reading, Scuba Diving
Title : Financial Services Consultant
Leo Zhang
Financial Services Consultant

“If you can dream it, you can do it.”
-Walt Disney

Leo’s story

I was formerly an external auditor with over five years of commercial experience with large MNCs, and have covered various functions including financial analysis and enterprise risk management. I learned about Win Financial at a professional networking event and was deeply impressed by its long-standing achievements in providing financial services to its clients. I strongly believe in the importance of financial planning as well as the value of financial literacy, and this motivated me to join the team of professional advisors with alike minds and attitudes. As an FSC, I hope to deliver the real value of financial planning to more people, helping them better achieve their financial goals and well-being based on their needs.

Read More About What Others Have To Say About Leo

“Leo is a trustworthy financial planner for our family. He is professional, knowledgeable yet never pushy. His advice took into consideration our needs and concerns applicable to our life stage. He is passionate to share his knowledge and provides us regular updates.”
-Ray Wu, CFO

“As my financial service consultant, Leo is very responsible in taking care of my financial planning needs. He knows his work well and can explain everything clearly whenever I approach him for advice. I am glad to be served by Leo and believe he will excel in his work.”
-Wen Hui, Interior Designer

“Leo is an approachable person and he is to me a caring advisor. He conducted the entire financial review process smoothly and seamlessly. I knew clearly what I needed to get through his advice and was happy to entrust my financial planning with him. For a peace of mind, please look for Leo!”
-Alina Zhou, Regional Controller


Lloyd Miyahara
Financial Services Consultant
Title : Financial Services Consultant
Year Joined : 2014
Years of Experience : 5-10 years
Education : Degree in Mass Communication
Notable Achievements : Million Dollar Club Platinum
Specializations : Corporate-Solutions, Financial-Planning
Hobbies : Photography, Singing
Title : Financial Services Consultant
Lloyd Miyahara
Financial Services Consultant

“Your life does not get better by chance, it gets better by change.”
-Jim Rohn

Lloyd's Story

I was formerly a Marketing Executive for a prestigious private property developer in Singapore, after having worked for 12 years in a leading bank in the Philippines. I was introduced to the growing industry of Life Insurance after meeting Winnie, Director of Win Financial, who used to be my client. I chose to become an FSC because I saw greater purpose in this career. I enjoy what I do as I get to help reduce the burden of those in need, and allow them to live a better life through proper financial planning. I believe that being successful is not just about earning money, but most importantly, serving my purpose to my clients, family, and friends. I enjoy photography as it allows me to capture and cherish memories.

Read More About What Others Have To Say About Lloyd

“Lloyd Miyahara is our family financial planner. He made sure that we fully understood the benefits and limitations of the policies before we signed up for them. Lloyd is very patient and always attends to our queries. He proactively updates us on the status of our investments with AIA and ensured we are always in touch with each other.”
-Roxane Manumbale, Senior Business Analyst

“I have known Lloyd from our Church and he has helped me greatly in my insurance and investment planning. There was a time when I called for his help to retrieve a policy document. He was driving then and sensing my urgency, he pulled over his vehicle so he could retrieve the information for me. I am thankful for an advisor who is so dedicated to serving his clients.”
-Richard Vergara, Director

“Lloyd helped me and my wife prepare for our future through the comprehensive financial plans offered by AIA. All these years, I appreciate Lloyd for his responsiveness and his advice has been helpful in guiding us through our life stages.”
-Sherwin Nofuente, Senior Test Engineer


Mavic Miyahara
Financial Services Consultant
Title : Financial Services Consultant
Year Joined : 2015
Years of Experience : 5-10 years
Education : Degree in Psychology
Notable Achievements : Million Dollar Club Gold
Specializations : Financial-Planning, General-Insurance
Hobbies : Cooking, Singing
Title : Financial Services Consultant
Mavic Miyahara
Financial Services Consultant

“Never underestimate the valuable and important difference you make in every life you touch for the impact you make today has a powerful rippling effect on every tomorrow.”
-Leon Brown

Mavic's Story

I have always been a believer in Insurance. At the age of twenty, I bought my very first life policy right after landing my first job in a bank. I was introduced to the financial services career when my husband, Lloyd, made a career switch from property to insurance sales. Witnessing his dedication and passion in his work, I gained interest in this profession. With the encouragement of my children, I decided to join Lloyd in the industry. Together we made it our mission to help Filipino families in Singapore secure their financial future. I began my journey by protecting my close friends and church mates. With faith and a passion to serve, I embrace every work moment with gratefulness and purpose.

Read More About What Others Have To Say About Mavic

“Mavic was introduced to me by a colleague. As a foreigner working in Singapore, we have our concerns when it comes to healthcare matters. Mavic gave me a peace of mind through proper advice and planning. Her professionalism and sincerity greatly assured me that I can work here without worries.”
-Barbie Jimenez, Director Assistant

“I was referred to Ms. Mavic by a friend. Mavic explained clearly to me how financial planning should be carried out and advised me to start with protection first before wealth accumulation. Mavic is a personable lady who is committed to her work. I am impressed with her response time and she is always able to clarify my questions confidently.”
-Shanice Ras, Data Analyst

“I have known Mavic from our local church and she has been my trusted consultant since 2015. Her passion to serve tremendously impacted me. I will never forget the time when I was hospitalized, she was by my side giving me moral and emotional support. My hospital claims were processed expeditiously and smoothly. Grateful to have an advisor like Mavic.”
-Annabelle Bulanadi, Manager


Ron Jacob
Financial Services Consultant
Title : Financial Services Consultant
Year Joined : 2015
Years of Experience : 5-10 years
Education : Diploma in Interactive Media Technology
Specializations : Financial-Planning
Hobbies : Photography, Video games
Title : Financial Services Consultant
Ron Jacob
Financial Services Consultant

“In every life we have some trouble, but when you worry you make it double.”
-Bobby McFerrin

Ron's Story

I came to know about the Win Financial Group through an Army Talk during my NS days. In the hope of being more financially independent, I decided to take the opportunity to learn while I earn. As such, I joined Win Financial as an undergrad Financial Services Consultant while studying part-time at SIM. The time flexibility as an FSC allowed me to strike a good balance between work and school commitments. I love what I am doing as I get to meet and help people with my knowledge and ability. I have a passion for photography and I love to play video games as a form of recreation and leisure.

Read More About What Others Have To Say About Ron

“What me and my husband like about Ron is that he explains the products thoroughly, fully understands our financial situation, and was not pushy with his selling. Since 2017, we have been buying AIA plans through him and he has been serving us well like his family members.”
-Deserre Condo, Executive Officer

“Ron has been my friend and insurance advisor since 2015. I took up most of my plans with him because he illustrated the insurance concept in a way that is easy to understand. I felt his authenticity and never felt he was all out to hard sell me.”
-Hannah Vargas, Sales & Marketing Executive

“I am friends with Ron as we attend the same church. He comes across as an easy-going guy who is so willing to lend a hand to anyone in need of help! When my family decided to take up medical insurance, we did not hesitate to take them up through Ron. Ron is extremely responsive whenever we have questions and always finds time to check up on us.”
-Jerrelin Caballa, Product Management Executive


Sharon Chia
Financial Services Consultant
Title : Career Consultant, Financial Services Consultant
Year Joined : 2016
Years of Experience : 5-10 years
Education : Degree in Science
Industry Certifications : AFC
Notable Achievements : Million Dollar Club Platinum
Specializations : Financial-Planning, General-Insurance
Hobbies : Onsite sketching, Painting
Title : Career Consultant
Sharon Chia
Financial Services Consultant

“We live by choice, not by chance.”
-Miranda Marrott

Sharon's Story

Although I graduated with a Bachelor’s Degree in Science, I knew I did not want to work in a laboratory. I wanted a career that allows me to interact with new people every day. In my early working years, I had a Financial Advisor who was competent, and her sincerity inspired me to explore this career. I also realised there are many elderly individuals who are uninsured and are burdened with heavy medical bills. All these prompted me to become an FSC so that I can protect my own family and the people around me. I enjoy doing onsite sketching and would usually bring my sketchbook with me whenever I visit interesting places.

Read More About What Others Have To Say About Sharon

“Sharon was assigned to service my policies when I called AIA Customer Service to request for a replacement advisor. Right from the first meetup, she exceeded my expectations by her professionalism and sound advice. Her lively and sincere deposition makes every discussion enjoyable, like a nice catch up session between old friends!”
-Chong Min, President Director

“I was introduced to Sharon through a mutual friend. Sharon offered to consolidate all my insurance plans even before I became her client. She addressed my insurance gaps brilliantly and serviced my family promptly in claim matters. Thank you, Sharon for serving us and we really appreciate your dedication and commitment.”
-Achanta Srinivas, Audio & Visual Engineer

“Sharon is very dedicated to her profession. She is prompt with her replies and has a good grasp of her industry knowledge. She fully comprehends my financial situation and needs before customising a comprehensive financial planning package. I highly recommend Sharon to anyone who seeks a Financial Planner who is professional and detailed.”
-Kek Chu Xiang, Executive


Sharwyn
Financial Services Consultant
Title : Financial Services Consultant
Year Joined : 2020
Years of Experience : < 5 years
Specializations : Financial-Planning
Hobbies : Watching football, Watching movies
Title : Financial Services Consultant
Sharwyn
Financial Services Consultant

“Tough times never last, but tough people do.”
-Robert H

Sharwyn’s Story

I was referred to Win Financial by a colleague and NS section mate. My interests piqued when I discovered the value and importance of proper risk management and comprehensive planning in achieving financial goals. The ability to help serve like-minded individuals, brings me a sense of fulfilment. While providing efficient, prompt and effective financial plans to my clients, I also forge friendships with them so as to better understand their financial needs and goals. I believe in maintaining a work life balance and the flexibility of this career allows me to achieve that. Out of work, I love to play and watch football.

Read More About What Others Have To Say About Sharwyn

“Sharwyn was able to present his financial solutions in an easy-to-understand manner, and his recommendations met my needs adequately. He came prepared with materials and was patient to address all my queries. Even if he did not have the answer, he would find out and get back to me eventually.”
-Andrew Tham, Student

“Sharwyn is a thoughtful financial consultant who took time to understand my needs and finances. He suggested plans that were applicable to my life stage. He is concise and clear with his proposal, making it easily comprehensible to a layman!”
-Zheng Ming Xuan, Secretary

“Approached Sharwyn when my wife was expecting our first born. He was helpful and did his research before proposing us the most suitable plan for our child's future. He was polite, sure of his work and extremely dedicated in helping us!”
-Aaron Then, Dance Instructor


Shearn Lim
Financial Services Consultant
Title : Career Consultant, Financial Services Consultant
Year Joined : 2017
Years of Experience : < 5 years
Education : Degree in Electrical & Electronics Engineering
Industry Certifications : AFP
Notable Achievements : Million Dollar Club Platinum
Specializations : Financial-Planning
Hobbies : Badminton, Cars, Travel
Title : Career Consultant
Shearn Lim
Financial Services Consultant

“Seek first to understand, then to be understood.”
-Stephen Covey

Shearn's Story

I was introduced to Win Financial through my Manager and Mentor, Dovanson. After interacting with him, I developed an interest in this career and saw how I can impact the lives of many others through my knowledge and sincerity. Despite having studied engineering, I wanted a career that could enrich others. So, I took a leap of faith and decided to become an FSC. Being an engineer at heart, I am committed to giving my best to create the best possible path for my clients’ financial goals. I strive to develop the best solutions for my clients in accordance to their resources. I love playing badminton outside work hours as it is important to keep fit.

Read More About What Others Have To Say About Shearn

“Shearn was professional in his approach and only recommended plans that suit my needs. He helped me obtain the necessary coverage to relieve me from the worries of not having any proper protection. And the process of implementation was seamless! During this circuit breaker period, Shearn even acceded to my request to use Skype to discuss my insurance. Kudos to him!”
-Joyce, System Analyst

“I knew Shearn through SingTel-AIA Campaign. The impression that Shearn gave to me is a down-to-earth and friendly person. It was not all about sales talk. My family already had a few plans with AIA from a resigned agent and Shearn not only helped serviced them, he suggested ways to best optimise our portfolio. It is rare to find an agent who treats his clients like family.”
-Alvin Lim, Vice President

“I knew Shearn from university, and he went into the insurance line later than my other friends, so there was no "first mover" advantage for him. Despite that, Shearn always shares information with me with no agenda and kept me posted of relevant updates. I felt touched by his actions even though I was not his client yet. Eventually, when the need arises, he came to my mind.”
-Justin Teh, Executive Director


Shipra Goel
Financial Services Consultant
Title : Career Consultant, Financial Services Consultant
Year Joined : 2016
Years of Experience : 5-10 years
Education : Master of Science in Communication Management
Notable Achievements : Million Dollar Club Gold
Specializations : Financial-Planning
Hobbies : Arts, Cooking
Title : Career Consultant
Shipra Goel
Financial Services Consultant

“Nothing is impossible, the word itself says ‘I’m possible!
-Audrey Hepburn

Shipra's Story

I used to work in the Information Technology (IT) Industry and accumulated more than 11 years of experience. I have worked in various roles, led and executed many team projects as a senior in the industry. Upon the recommendation of my father-in-law, and after my first meeting with the Director of Win Financial, Winnie, I realized that I wanted to pursue a career in the Financial Services Industry. I have always been very appreciative of insurance companies, knowing that they exist to cover for all odd times and is so closely knitted to real-life moments. This motivates me to pick up the necessary skills and knowledge of the Insurance Industry. Indeed, it has been a positive career switch for me.

Read More About What Others Have To Say About Shipra

“When me and my husband were looking for health insurance, Shipra immediately came to our mind. Shipra has been a family friend all these years and we know her to be a warm and caring lady. When we approached her, she gladly availed herself and provided us sound advice before we took up the plans. We are 100% satisfied with Shipra’s service!”
-Veena, Executive Officer

“A thoughtful consultant, Shipra ensures that she recommends me suitable products only after she walks through a proper needs analysis process. She is a confident and composed advisor, very dedicated to doing her best for her clients. I am incredibly happy with her 5-Star service!”
-Roshni Agrawal, Homemaker

“I was referred to Shipra through a colleague and she takes care of my family immaculately both as an advisor and friend. I recall an incident when I lost my phone and had technical issues accessing my AIA App. Shipra helped me resolve the issue expeditiously. During Covid-19, Shipra also provided updates and reassured my husband on his investment funds. Thank you Shipra! Your way of handling each query of mine is admirable!”
-Swapna Jagdev, IT Security Analyst


Shirley Kang
Financial Services Consultant
Title : Financial Services Consultant
Year Joined : 2016
Years of Experience : 5-10 years
Education : Degree in Science (Business Management)
Specializations : Corporate-Solutions, Financial-Planning, General-Insurance
Hobbies : Baking, Cooking, Visiting spa
Title : Financial Services Consultant
Shirley Kang
Financial Services Consultant

“Most people don’t plan to fail; they fail to plan.”
-John L. Beckley

Shirley's Story

As a mother of two, I strongly believe that financial planning and sufficient insurance coverage are necessary, and it is imperative to start from young to fully reap the benefits. As I plan for my own family’s financial needs, it dawned on me that financial planning is a life-long commitment and it should not be embarked upon without proper consultation. Having benefited from my own FSC who provided sound advice and proper recommendation for my first Life Insurance, it motivated me to consider this career. Though I do not have any sales experience, I believe I will move from striving to thriving as long as I have the attitude to learn and the heart to serve. During my free time, I enjoy baking with my daughter.

Read More About What Others Have To Say About Shirley

“I support efficiency and integrity; for these reasons therefore, I support Shirley. She is the embodiment of both principles which I value highly. She is always prompt in addressing all my queries, even if my questions can occasionally come at ungodly hours. She is always patient even when I have asked the same question before. I could not ask for a better insurance agent!”
-Dr Wan Yi Min, Consultant

“I know Shirley through my sister who is her client. Despite having policies with other companies, I still bought policies from Shirley as she is a responsible and responsive advisor. Shirley always assures me that my claims will be properly handled with minimal hassle. I hope Shirley can continue to excel with AIA so more clients like myself can benefit from her exceptionally good service.”
-Jennifer Low, Accounts & Administrative Assistant

“I met Shirley through an AIA Roadshow. She was able to address all my questions and concerns considering she was still rather new in the industry back then. I am impressed with the financial portfolio she prepared for me after the plan was taken up. From time to time, whenever I have doubts, Shirley is ever ready to help.”
-Win Than Hlaing, IT Professional


Spencer Neo
Financial Services Consultant
Title : Financial Services Consultant
Year Joined : 2019
Years of Experience : < 5 years
Education : Degree in Science (Economics & Finance)
Specializations : Financial-Planning, General-Insurance
Hobbies : Reading, Rock climbing, Swimming
Title : Financial Services Consultant
Spencer Neo
Financial Services Consultant

“Carpe Diem! Seize the day.”
-Horace

Spencer’s Story

I joined Win Financial shortly after graduation as I felt the career was relevant to what I studied, and one that would give me satisfaction from the ability to help others. I strive to give my clients the best buying experience, with my attention to detail, and ability to view a problem from different perspectives, before offering the best solution for them. With a constant thirst for new knowledge, I enjoy reading during my free time to better myself, and in turn share personal experiences and lessons to help better others. One of my favourite reads is “Who Moved My Cheese”, a short story that serves to remind me to always be adaptable to changes and have the courage to take a leap of faith at times.

Read More About What Others Have To Say About Spencer

“I have known Jun Hao (Spencer’s other name) for almost a decade. I have observed that he is a man of ambition and is extremely dedicated in his endeavours. In his pursuit for excellence, he takes care of the people around him. Jun Hao is not just an inspiration to me, but to others whose lives he has touched.”
-Tze Yen, Undergraduate

“I enjoy working with Spencer to evaluate and plan my financial matters. His openness makes every discussion a no-frills process. He places a lot of emphasis on servicing his clients. Even when I text him past midnight, he bothers to reply me! I can tell Spencer works hard for his goals but not at the expense of compromising his client’s well-being. Spencer is exemplary in many ways and I am confident he will go far in this industry.”
-Shawn Yang, Citibank.

“My friendship with Jun Hao spans more than 10 years. Besides being an awesome buddy, he is the finest insurance professional I have ever worked with. I like the way how Jun Hao analyses my needs before tailoring the recommendations that meet my situation. I look forward to many more years working with Jun Hao, one who cares more about me and my family’s needs than his commission checks.”
-Je Eung, Educator


Vincent Lee
Financial Services Consultant
Title : Financial Services Consultant
Year Joined : 2019
Years of Experience : < 5 years
Education : Pursuing Degree in Business Administration
Specializations : Financial-Planning
Hobbies : Reading, Surfing the Net
Title : Financial Services Consultant
Vincent Lee
Financial Services Consultant

“A real friend is one who walks in when the rest of the world walks out.”
-Walter Winchell

Vincent’s Story

After my ORD, I was doing part time sales in Grab till I received a call for an interview as a Financial Advisor. I am always keen to do sales as the remuneration is pegged to the results. However, doing insurance sales has never come to my mind. I was intrigued by the financial services business after the first session in Win Financial’s Office. I am a person who values friendship a lot and being an FSC allows me to build relationships through sound advice and customer servicing. I like the fact that once a client is sealed, he is a client for life. It took a while for me to clear my licensing papers and I was glad my manager Junxiong never gave up on me. I enjoy learning new things through reading and surfing the net.

Read More About What Others Have To Say About Vincent

“Vincent is a person whom I trust and believe in. You can count on him to say ‘Yes’ to you whenever you need help. An advisor needs to always care for their clients and I am relieved to have Vincent to help me with my financial planning.”
-Wayne Yeung, National Serviceman

“As a fresh graduate who just stepped into the workforce, Vincent is a timely help for me. I benefitted from his advice and felt comfortable to have him assist me in my insurance matters. Vincent will be the one friend that I treasure to walk alongside with me through thick and thin.”
-Michael Chan, Sales Agent


Yew Sheng
Financial Services Consultant
Title : Financial Services Consultant
Year Joined : 2019
Years of Experience : < 5 years
Education : Pursuing Degree in Economics
Specializations : Financial-Planning
Hobbies : Football
Title : Financial Services Consultant
Yew Sheng
Financial Services Consultant

“Yesterday you said tomorrow. Just do it.”
-Nike

Yew Sheng’s Story

Witnessing the growth and job satisfaction my cousin attained after she did a career switch from auditor to advisor, I was inspired to have a taste of the work by joining the Varsity Entrepreneur Internship (VEIN) Program under her Group. I was convinced of the career and ended up joining her team. In this line of work, I aim to change people’s perception of insurance by making a positive difference in their lives. Giving clients my best, I treat every appointment as though it is just catching up with a close friend, assuring them I will always be there in any time of need. I enjoy soccer a lot as it helps me keep fit while having fun with my friends.

Read More About What Others Have To Say About Yew Sheng

“Sheng took the time and effort to analyse my current insurance policies and was able to make sound recommendations to address the gaps. I am grateful for his thoroughness and the care he took to ensure I have sufficient coverage in case of unforeseen circumstances happening to me.”
-Aerenia Lim, Marketing Manager

“Yew Sheng was meticulous in explaining my financial portfolio, which enabled me to have a better picture of how I can better plan to achieve my desired financial goals. Yew Sheng prepared a proposal specially tailored to my needs and life stage which I eventually implemented through him. I look forward to further planning with him after my graduation!”
-Arina Lim, Student


Yi Kai
Financial Services Consultant
Title : Career Consultant, Financial Services Consultant
Year Joined : 2019
Years of Experience : < 5 years
Education : Diploma in Electronic & Computer Engineering
Specializations : Financial-Planning
Hobbies : Singing, Watching movies
Title : Career Consultant
Yi Kai
Financial Services Consultant

“No act of kindness, no matter how small, is ever wasted.”
-Aesop

Yi Kai's Story

I was introduced to the financial industry through an army friend of mine, who helped me uncover the rewarding aspects of it. Even though many told me this career path is tough, I saw how I could value add to people’s lives, through the meaningful work of financial planning. I knew this was the career I wanted, so I decided to join the financial industry as a full-time Financial Services Consultant. As my mentors share their experiences with me, their passion to serve further inspired me to continue this career path and help more people. During my free time, I love to watch movies and sing, taking it as an opportunity to catch up with my friends.

Read More About What Others Have To Say About Yi Kai

“While being wary yet curious about insurance, Yi Kai was patient in explaining the importance of financial planning using insurance as a safeguard. Through my meetup with Yi Kai, I also learnt how to better manage my finances and got to understand my risk profile when it comes to investing. I am grateful to be empowered with that extra knowledge now.”
-Ang Zheng Wei, Digital Consultant

“I have met multiple insurance agents across many years and Yi Kai was the only one who instilled confidence in me about financial planning. He goes beyond the call of duty to service me, not only answering multiple questions but also addressing my concerns whenever I have doubts. I am glad to have found a reliable advisor.”
-Vishunu Arumugam, Project Manager

“Yi Kai has exhibit a remarkable level of professionalism and work ethics. He is extremely patient and accommodating when it comes to understanding my needs. The assurance he provides makes me feel safe entrusting my policy with him. Above all, I love his sense of humor!”
-Guan Quan, Assistant Manager


Yvonne Lim
Financial Services Consultant
Title : Career Consultant, Financial Services Consultant
Year Joined : 2013
Years of Experience : 5-10 years
Education : Degree in Business Management (Honours)
Notable Achievements : Million Dollar Club Platinum
Specializations : Corporate-Solutions, Financial-Planning, General-Insurance
Hobbies : Reading, Spending quality time with family, Travelling
Title : Career Consultant
Yvonne Lim
Financial Services Consultant

“Do to others as you would have them do to you.”
-Luke 6:31

Yvonne's story

After graduating from the University of Birmingham (SIM), I decided to become an FSC with Win Financial. Like some others, I was initially sceptical about this career, and my family was not fully supportive of my choice. However, after seeing what really happens behind the scenes, it made me realise that no other career would be as purposeful. I strongly believe that with a great amount of effort, determination, and sincerity towards my clients, this career will certainly bring me what I want in life. I believe in providing the best of interests for my clients, like how I would do for myself and my loved ones. Financial planning, if done correctly, can lift burdens and free problems.

Read More About What Others Have To Say About Yvonne

“Yvonne took over our policies from a previous advisor and she has been exceptional. As parents of two young kids and being very unfamiliar with insurance, Yvonne provides us with relevant and sound advice. Sincere in her dealings, Yvonne always thinks of our needs first. To Yvonne, stay passionate and continue making a difference in the lives of others.”
-Thanaraj, HOD Teaching

“When I started work and knew it was time to get my insurance sorted out, Yvonne, who was my University classmate came to my mind. During our meetup, I did not feel any pressure selling tactics and she ensured that I made an informed decision. On one occasion, I had to undergo an emergency surgery. I was thankful to have her assurance that I can go ahead with the procedure without worrying about the bills or backend.”
-Amos Lim, Army Officer

“I knew Yvonne through my mother as she bought insurance for me when I was much younger. Yvonne is very friendly and professional throughout the process of advising me. She is detailed in her explanation and recommended plans that met my needs.Through Yvonne, I changed my perspective towards insurance and what it can do!”
-Vivian Koo, Social Worker


Zac Wong
Financial Services Consultant
Title : Financial Services Consultant
Year Joined : 2016
Years of Experience : 5-10 years
Education : Degree in Biological Sciences
Specializations : Financial-Planning
Hobbies : Windsurfing
Title : Financial Services Consultant
Zac Wong
Financial Services Consultant

“There are three simple yet some of the hardest things that life can build upon: decisiveness, consistency, strength.
-Dr A.R. Bernard

Zac's Story

Despite having studied Life Sciences, I did not envision myself to be working in a lab doing repetitive lab tests daily. I wanted more than what a corporate job could offer, a more fulfilling and holistic career where I can serve others and be a blessing to them. I was first introduced to the financial industry when I worked as a part-time personal assistant for a Senior FSC. It was then that I witnessed how proper financial planning can help others and prepare them for the future. I saw purpose in this career, and how it can impact lives. Hence, I became an FSC too! My greatest desire is to make a positive difference to everyone that I meet.

Read More About What Others Have To Say About Zac

“Zac was my first financial advisor and he was very patient in explaining insurance jargon to help me understand my policies better. Most importantly, he did not push me into buying financial products. He cares for me genuinely as a client and friend. Thanks Zac!”
-Lim Xing Yi, HR Executive

“Zac really took the time and effort to analyse my current insurance portfolio and helped identify my gaps. He crafted a plan that met my needs and explained very clearly how financial products could help me achieve my life goals. With Zac as your financial consultant, you are definitely in good hands!”
-Lee Wei Jie, Army Officer

“I was looking to plan for my retirement and was introduced to Zac through a common friend. Zac used ‘GoalsMapper‘ to chart out my cashflow and insurance coverage during my golden years. He then proposed retirement options to help me achieve my retirement goals. Placing his clients’ needs as his top priority, Zac is an advisor I would strongly recommend.”
-Tan Jia Ying, General Manager


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