Serene. Senior treasury executive

Hi all, I’ve known Joel for more than 5 years. At first when i got to know him, i was skeptical about him helping me with my policies because i have a perception that financial consultants are always very aggressive. As time passed, i got to know more about him & found that he is not the typical financial consultant that is very pushy. He will explain & give examples of the past records of the policies and if i still don’t feel comfortable buying, he won’t force me to buy. Not every meeting ended up with me signing up. However, despite this, he continues to follow up with me at times to see if i have any question on the policies, or for example investments because i don’t take risk & neither do I believe in investments. He always explains, share with me his investment concepts & show me graphs of the past investments to prove his concept. After a few times of looking into graphs & market trends, i finally decided heed Joel’s advise to invest. After i invested, I realised it has helped me to improve my knowledge of investment & at the same time, my investments with Joel has made quite good returns and through this experience, it has cemented what Joel had spoke to me about. From then on, i’ve trusted most of my investment plan with Joel & the rest is history.

Rebecca. Financial Consultant. AIAFA. Gtgroup

When I first got a call from Joel, I did not feel much of a difference from the other managers I have spoken to and I actually turned him down and was leaning toward another agency but he asked me to meet him to explore and it is fine if I am still not interested after, in his words “if you are not interested, good, it only would serve to cement your choice with the other agency, however if you are interested to join me, that’s good too, it would mean that you feel that we are a more suitable agency or leader to join.” When we first met, he was very patient in addressing any concerns that I have brought up and he didn’t take sides, he is not bias towards joining him. Unlike most leaders I have met, whom tend to share how good they are, what awards they have achieved and how well their team is doing, Joel was speaking with me for me. So, he even listed down all possible outcomes upon hearing my concerns and doubts. What if I failed or what if I succeed and what are the losses to it? I was eventually enlightened by him and this lead me to join him. Ever since I joined the career, Joel has given me and the team alot of training and support. He has went with me for many of my appointments to show and guide me on the ground. And during these times I felt that I can always look for him whenever needed. As a student FC, I might not be able to attend all the meetings and trainings but Joel will always set aside time to keep me updated. He is very understanding and most importantly, if I have any concerns or point of view or feedback, he is willing to listen.

Gina. Lawyer

Joel and I go way back as he has been my financial advisor for more than 10 years already. As such, Joel has been advising me at various important milestones in my life - from the time I had just started working for a few years, to the time I got married, to the time I had kids - each time with a different objective in mind. I trust Joel with financial / insurance planning because unlike a typical salesman, he does not push incessantly. He is also not that kind of financial advisor who makes you cancel plans prematurely to sign up a new plan or new product that has just launched. As such, I am assured that whatever he is offering to me would be in line with my goals and needs at that specific stage of my life. In terms of maintaining the relationship and my investments or plans, Joel is also reliable as he is responsive. He assists on my claims promptly and responds to my questions with proper information and data. Like I mentioned earlier, he is not a salesman who just sells you something and just walks away. He is genuinely interested in ensuring that you are adequately covered, within your means and within your goals.

Fiona. Senior Financial Consultant. AIAFA. GTgroup

I was recruited by Joel in 2013 and have been working with him since then, never looked back! When he first shared with me about this career, he did a very realistic explanation on the career and true to heart approach which is very different from other managers who tried to recruit. After I've joined him till today, he has uphold his consistency to mentor and guide me as an consultant. He is very patient and approachable, guiding us consistently fine tuning our soft skills, knowledge, concepts, ideas etc. It is hard to come by an impressive and committed mentor/manager which is important for the growth and development of an agent. His support is definitely one of the component that allows me to achieve my MDRT. I highly respect and proud that Joel is my manager, I'm glad that I am in the right place with the right team.

Dr Raphael Lee. Consultant

I have known Joel for 5 years now and I take great pleasure in writing this testimonial for him. When we first met and I had my first financial review, I didnt immediately engage his services. This was due to my meticulous nature applied to every financial advisor and advice I was given, I had to be very sure and confident of the recommendation. What was consistent throughout the mutiple reviews was Joel’s level of knowledge, professionalism and client centric planning. As my needs changed, so did the advice and recommendation given. Joel has always been quick to check in, respond and follow up, for which I am very grateful. I have entrusted part of my retirement planning to the steadfast, passionate and forward looking Joel whom I’m proud to both call my advisor and now friend. It is with the highest of hopes that I congratulate Joel for his achievements and I truly believe he will continue to guide myself and many others meaningfully in their financial journey.

Surendran. Ship Broker

I first met Joel a good 10 years ago as I had then started my career and was looking to buy the basic insurance policies needed. Joel came highly recommended and as such decided to give him a ring to have a casual chit chat. He was then working for a different but renowned insurance company as well. From the onset, Joel was a good listener and heard my needs which i appreciated very much. Having just started my career then, I did not have much funds to spend on insurance but Joel carefully planned something for my wife ( then girlfriend ) and I, so as to at least have some form of basic protection. Fast forward to today, Joel is our sole agent even though he has moved companies, not just for the basic policies we took then but for many other policies both protection and investment alike, for our children as well as ourselves. What struck me about Joel is that he is very much a people person, which to me is a key factor in understanding others’ needs. Most importantly, he is very good with the follow ups and never hesitates to call me whenever he feels there is something my family and I would need and benefit from. Some I have taken and others I have not. From the ones I have not, some have been regrets 😊. Nevertheless, Joel keeps my family and I constantly in mind and never fails to sound me out even if we hadn’t spoken in some time. I dare say that his good knowledge of the latest products and policies coupled with his good understanding of his clients has won him the trust from not just myself but many others. Over the years, we have had more than our fair share of accidents and medical issues given how we have 3 young children. Each time, Joel was just one call away and his assistance was / is what it should be. Thanks to Joel, I feel that my family and I are sufficiently covered in terms of medical protection as well as have a decent investment portfolio especially for our children. To us, Joel is more so a friend than a financial consultant. If you are looking for one who is genuine and honest, look to no one else!!