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


  • All
  • >15 years
  • <5 years
  • 11-15 years
  • 5-10 years
  • AFC-AFP-AWP
  • All FSC
  • Career FSC
  • Certifications
  • CFP
  • ChFC-S
  • CLU-S
  • Club FSC
  • FSAD
  • FSC
  • Leaders
  • MDRT Consultants
  • MDRT FSC
  • served-years
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


  • All
  • >15 years
  • <5 years
  • 11-15 years
  • 5-10 years
  • AFC-AFP-AWP
  • All FSC
  • Career FSC
  • Certifications
  • CFP
  • ChFC-S
  • CLU-S
  • Club FSC
  • FSAD
  • FSC
  • Leaders
  • MDRT Consultants
  • MDRT FSC
  • served-years
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


Charisma Liu
Financial Services Consultant
Title : Financial Services Consultant
Year Joined : 2020
Years of Experience : < 5 years
Education : Degree in Marketing
Specializations : Financial-Planning
Hobbies : Beauty enthusiast, Exploring new places
Title : Financial Services Consultant
Charisma Liu
Financial Services Consultant

“Kindness is a gift everyone can afford to give.”
- Unknown

Charisma’s Story

Since young, I enjoy interacting with people and forging meaningful relationships. My first job was with an Insurance Agency assisting in Recruitment, it was where I was exposed to the financial services career and began to appreciate how the job can help protect families. Upon graduation, I was working in sales related jobs for a few years before I decided on a career switch. The first option was definitely becoming a financial services consultant as I can make that positive difference and add value to people around me. Being kind to others is what I live by and I hope to positively change lives with my sincerity. Aside from work, I am a beauty enthusiast and love exploring new places.

Read More About What Others Have To Say About Charisma

“Cong Le (Charisma’s other name) and I have been friends for 9 years and I love her bubbly personality! A person who is always offering me her listening ear and advice with no filters, I am confident Cong Le will be able to help others as she did for me.”
-Cynthia Leong, Marketing Executive

“I met Cong Le through a hiring interview. Right off the bat, she was personable, well-prepared and eager to learn. Seeing her potential, I offered her the position. Through working with her, I have seen her resilience and willingness to strive for the best. Cong Le is a reliable lady who will put your needs before herself.”
-Kristin Quek, Marketing Specialist

“I have known Cong Le since primary school and she was a prefect back then. She is detail-oriented and has strong work ethics. Coupled with her friendly disposition, I believe she will be a great asset to any company.”
-Lok San, Engineer


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