About

Michelle has been in the business of bettering lives through financial wisdom since 2007. She specializes in imparting financial literacy in the working professionals, senior executives, doctors and lawyers, and in assisting them to manage their personal wealth effectively and efficiently through trust, professionalism and service.

Wealth management can appear to be daunting and complicated in the sea of financial jargons and technical terms. Michelle believes that it can be made simple and easy for the busy professionals of today so that they can focus on scaling their own expertise.

As an ambassador of her agency’s mission: “Betterment of self through betterment of others.", Michelle is passionate about championing this cause, and she advocates that the emblems of success are merely a reflection of the lives she has touched and inspired.

“Proverbs 3:13-15” [NKJV]
Happy is the man who finds wisdom, and the man who gains understanding; For her proceeds are better than the profits of silver, and her gain than fine gold. She is more precious than rubies, and all the things you may desire cannot compare with her.

Embrace wisdom today! 

As a member of the prestigious Million Dollar Round Table (MDRT) and a Chartered Financial Consultant®/Singapore (ChFC®/S), Michelle is required to adhere to a set of strict ethical standards. 

• MDRT is a global, independent association of the world's leading life insurance and financial services professionals from more than 500 companies in 70 nations and territories. MDRT members demonstrate exceptional professional knowledge, strict ethical conduct and outstanding client service. MDRT membership is recognized internationally as the standard of sales excellence in the life insurance and financial services business. Under the MDRT Code of Ethics, members shall:

1. Always place the best interests of their clients above their own direct or indirect interests.
2. Maintain the highest standards of professional competence by seeking to maintain and improve professional knowledge, skills and competence.
3. Hold in strictest confidence, and consider as privileged, all business and personal information pertaining to their clients’ affairs.
4. Make full and adequate disclosure of all facts necessary to enable clients to make informed decisions.
5. Maintain personal conduct which will reflect favorably on the insurance and financial services profession and the Million Dollar Round Table.
6. Determine that any replacement of an insurance or financial product must be beneficial for the client.
7. Abide by and conform to all provisions of the laws and regulations in the jurisdictions in which they do business.

• ChFC®/S is a professional designation representing the completion of a comprehensive course consisting of financial education, examinations, practical experience and ethics requirements. It is a designation that is awarded by The Singapore College of Insurance under licence from The American College. Those who earn the designation are understood to be knowledgeable in financial matters and to have the ability to provide sound advice. 

Sources: 

1.  MDRT - MDRT Official Website

2. ChFC®/S - IFPAS Website & SCI Website

When a client takes up a financial plan it can mean a lifelong commitment. Michelle finds that it is only fair that she is equally committed to building this business for the long haul. She believes that a set of guiding business principles thrives in the distant future. Her personal modus operandi is adapted from the MDRT Code of Ethics:

1. Client's Best Interests

• Michelle acts in her client's best interests when making recommendations or financial planning decisions. She places herself in her client's position each time and proposes only solutions that she would accept if she were the client. 

2. Strict Confidentiality

• Protecting confidential information is vital. Michelle maintains strict confidentiality in all her interactions, including non-financial related details, with her clients and prospective clients. Her business model is predominantly through referrals. This precept sets her clients at ease and comfort when they refer their friends, loved ones and colleagues to her services.

3. Professionalism & Competence

• Michelle engages in continual learning and constantly seeks to improve her professional knowledge, skills and competence in order to deliver high standards of advice and service to her clients. 

4. Holistic & Comprehensive Planning

• Michelle adopts a holistic and comprehensive approach in the financial planning process. She ventures to explain complex financial concepts and terms in a simple, clear and concise way and she employs digital tools to aid her clients in their understanding. 

5. Customer Service

• "We are ladies & gentlemen serving ladies and gentlemen." This is the motto of the first company that Michelle served. Providing fine personal service for her clients has since become her professional philosophy. She offers non-obligatory sharing and advice while giving her clients time to consider the proposals before making an informed decision. 

• Bachelor of Psychology & Business Management (Monash University)
• Chartered Financial Consultant®/Singapore (ChFC®/S)
• Associate Estate Planning Practitioner (AEPP®) 
• Million Dollar Round Table (MDRT) | 2020-2022
• Prudential Service Mark | 2011-2019
• Premier Financial Consultant Silver Award | 2021-2022
• Premier Financial Consultant Bronze Award | 2020
• Star Club | 2009-2010, 2012-2015, 2017, 2019-2022
• Quality Club Elite | 2009 - 2015, 2017-2022
• Quality Club | 2009 - 2015, 2017-2018