Experienced in both Business and Personal Financial Advisory to help clients achieve both personal and business financial goals.Specialising in Corporate Benefits and Risk Management, I provide financial advisory services to help businesses grow and manage risks — spanning from employee benefits for talent retention to business loan protection, keyman, executive bonus schemes and buy-sell agreements between shareholders.I also provide financial planning services for individuals/families for their financial needs at every stage of life, so that they only need to focus on their passions — love, family, work, ambition. I help them to plan, execute and monitor the financial plans, to reach their life & retirement goals in a disciplined manner. Using a range of financial tools, I help my clients to ensure that their wealth today is maximised — to meet their retirement needs with confidence & precision, and ensure what they have built for their families is distributable to the right people eventually.Having facilitated countless claims in my daily work, I truly understand what the line "insurance is a gift borne out of love" means, through my clients' beneficiaries. When insurance is a living benefit, it is sometimes the best gift we can give to ourselves.