๐๐ฏ๐จ๐ง๐ง๐ ๐๐ข๐๐ก๐๐ฅ๐ฅ๐ ๐๐๐ฒ , ๐๐ ๐ยฎ, ๐๐ก๐ ๐ยฎ/๐, ๐๐๐ ๐ Email and Phone Number
Yvonne Michelle is an Economics major from the National University of Singapore who supports the mass affluent, high net worth individuals, and business owners with her financial and estate planning expertise. She possesses the CERTIFIED FINANCIAL PLANNERโข certification, which is the standard of excellence in financial planning. Her attention to detail, good listening skills, and great empathy are symbols of her appreciation by her clients. She prides herself as a trusted adviser to her clients, taking a holistic view of their needs and objectives, and offering clear, concise, and impartial advice. A firm believer that financial and wealth management solutions are dynamic; Yvonne Michelle is always evaluating new options to help her clients accelerate their wealth journey within a strategic financial roadmap. Committed to providing quality advice and vital expertise for her clients, Yvonne Michelle has been helping busy professionals and executives protect, build, and preserve their wealth. Skilled in risk management and coupled with her careful planning, she saves her clients from costly mistakes that would otherwise have a detrimental impact on their financial health. Yvonne Michelle joined the industry with the goal to improve and transform the financial situation of each person she meets. Her greatest satisfaction is knowing that she has helped people avert potential financial mistakes by educating and coaching them to make the right decisions. Whether you need help with choosing retirement schemes, wealth management, or investment advice, Yvonne will be able to guide you in the right direction.Financial advice under one roofโ Cash flow analysisโ Balance sheet analysisโ Risk managementโ Investment planningโ Childrenโs education planningโ Retirement planningโ Tax planningโ Estate planning (non-Muslim only)โ General Insurance Services๐ฏ๐๐๐'๐ ๐๐๐๐ ๐ ๐๐๐ ๐๐ ๐๐ ๐ช๐๐๐๐๐๐ ๐๐ ๐๐๐ ๐ช-๐บ๐๐๐๐ ๐๐๐ ๐บ๐๐๐๐๐ ๐ด๐๐๐๐๐๐๐๐๐ ๐๐๐ ๐๐ ๐๐๐๐๐๐:โProfessional, knowledgeable with very tight follow-up! Yvonne's definitely a consultant I would recommend!โโYvonne is truly a financial adviser with a heart. She is a professional who is passionate about helping her clients to plan for a comfortable retirement and grow their wealth by investing prudently.โโYvonne is a great financial advisor and possesses a wealth of knowledge in financial planning. Her tight follow-up, constant insightful updates, and wealth of knowledge are what make her a great advisor and one that I would gladly and highly recommend.โ
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Manager, Wealth And RiskCnrst Pte LtdSingapore -
Manager, Wealth & RiskCnrst Pte Ltd Feb 2023 - PresentSingapore, Singapore -
Associate Director, Cfpยฎ, Chfcยฎ/S, IbfaSynergy Financial Advisers Pte Ltd Jan 2022 - Jan 2023Singapore, Singapore
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Senior Financial Services Representative, Cfpยฎ, IbfaLinc Financial Pte Ltd Nov 2020 - Dec 2021 -
Senior Financial ConsultantFinancial Alliance Pte Ltd Feb 2019 - Oct 2020I believe in doing both quantitative and qualitative analysis of the information gathered from my Clients and Prospects, before developing a financial plan unique to each of them. The needs of every individual differ; due to the life stage that they are at as well as the family demographics they may have. A plan of action usually follows after that, before a plan which is accepted by the Client is implemented. Close monitoring and tight follow up are what I provide all of my Clients, regardless of the nature of their requests. -
Consultant, Financial AdvisoryFinancial Alliance Pte Ltd Oct 2017 - Jan 2019As an Independent Financial Adviser (IFA), I provide clients with unbiased, specialist advice on how to manage their money, plan for their short and long-term financial goals. My role involves researching the marketplace and recommending the most appropriate products and services available, ensuring that my clients are aware of products that best meet their needs.
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Head Of Mall Partnerships, Outdoor Sales And Sales Operations TeamsAmerican Express International, Inc. Apr 2015 - Sep 2015Singapore- Successfully negotiated contract renewals with terms which result in win-win situation for Company and mall partners (Investment Capital of > S$5 Million and returns of > $S300 Million in Revenue) - Salvaged a lost negotiation with a mall partner after 2 weeks into new role- Negotiated renewal contracts with 3 mall partners at a lower investment capital from Company, whilst getting and ensuring higher returns for both Company and mall partners, during the contractual period- Elevated the overall level of sales efficiency for the Outdoor Sales Team (Achieved 112% of 2015 Sales Target by September 2015)- Developed and implemented various training programmes to address sales agents with different weaknesses- Identified new roadshow locations for The Outdoor Sales Team by using business analytics- Rolled out Sales Challenges to drive higher efficiency- Provided personal supervision to the weakest sales agents- Streamlined and enhanced Sales Operations and Support processes - Sharpened all sales records to ensure accurate and detailed reporting - Re-designed the work flow processes, increasing overall efficiency, resulting in enhanced customer experience - Increased monthly staff retention rate to 100% after implementing new training programs- Directed team of 33 Sales Agents and managed staff of 49 people- Worked with all stakeholders to drive product and service definition and design- Developed strategic plans and initiatives- Translated business priorities into implementable actions- Observed all laws, regulations and other MAS obligations -
Head Of Centurion And Platinum Charge Card Portfolio & Outdoor Sales TeamsAmerican Express International, Inc Aug 2013 - Apr 2015Singapore- Engineered Sales Strategies and Budget for 2014 and 2015- Provided key know-how in terms of generating huge volume for single card transaction of S$100,000 and above - Leveraging on business analytics, worked with various teams; Product, Legal and Risk, to launch a new card product to drive acquisition volume thereby meeting business goals and also increasing the share in the marketplace- Instrumentally influenced the launch for The True Cashback (Cash Rebate Card)- Personally recruited and established 2 strong sales teams (Contributed to >40% of total new card account acquired and >75% of total revenue to the business in 2014) - Directly supervised a team of 8 Relationship Managers and a team of 36 Outdoor Sales Agents - Outdoor Sales Team helped achieve the 2014 Target for The True Cashback Card in just 1 month- Conferred Lending Leadership Award (Q2, 2014) - Delivered 135% YoY growth in New Card Acquisition, 89% YoY growth in New Billed Business of $33.5MM in < 12 months into new role- Winner of President's Achievement Award / Pinnacle Award honoree for 2014 (Singapore) - ThePresident's Achievement Award celebrates Band 30-40 individuals who achieved results across business priorities above and beyond their job scope. -
Centurion Relationship ManagerAmerican Express International, Inc. Oct 2007 - Jul 2013Singapore- Contributed largely to the success of the overall sales results for the Centurion Team- Identified and qualified customer needs, developed sales strategies and negotiated and closes referrals from existing card members with > 85% success rate- Contacted > 20 of new and existing customers every day to discuss new card benefits and services- Consistently exceeded monthly sales quotas by more than 50% by pursuing leads and expanding the prospect list- Obtained and evaluated credit information about prospective customers- Met with an average of 5 clients per week consistently, resulting in a 100% client retention rate- Achieved more than 25% incremental billings for Centurion Managed Accounts for 2011- Achieved more than 75% of accounts with net positive YoY billings, with total incremental billings growth of 228%- Achieved highest number of High Ticket Transaction (single card transaction of minimum S$100,000) in 2011; Generated >$8 Million Revenue from 20 Card Accounts- Re-engineered sales approach- Developed competitive comparison tables of Premium Cards' (Centurion and Platinum Card) pricing, fees, ratings and product performance to use for account sales calls- Key Collaborator from team with other teams to drive success for Company- Project Champion for Project DDA (Activate Chip Cards)- Project Champion for Project Zeus (Getting Card members to update card accounts by providing their latest payslips / Notice of Income Tax Assessment) - Trained peers on project requirements and prepared calling script for both projects - Managed project deadlines and monitored milestones through completion stage.- Leveraged on personal strengths to support leader in creating sustainable success for team- Trained and directed 3 new hires during department orientations
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Account Manager, Corporate Sales - Hospitality And Transportation SectorStarhub Ltd Apr 2005 - Oct 2007- Penetrated into well-known companies such as DHL, ComfortDelgro, Pacific International Lines and many more- Secured contracts with 76 companies (new accounts for StarHub) within the Logistics Sector in last 9 months with StarHub- Won over existing contracts from SingTel and M1 for Millennium & Copthorne International Limited- Beat SingTel and M1 in tender for GPRS Project - ComfortDelgro and TransCab Taxis- Established shortest sales cycle for a new product (hours after launch)- Devised strategies to win tenders / contracts- Project managemwnt which includes close collaboration across various teams and stakeholders from the uncovering of the opportunity till the full delivery of services to customer, as stipulated in contract
๐๐ฏ๐จ๐ง๐ง๐ ๐๐ข๐๐ก๐๐ฅ๐ฅ๐ ๐๐๐ฒ , ๐๐ ๐ยฎ, ๐๐ก๐ ๐ยฎ/๐, ๐๐๐ ๐ Education Details
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English Language And Economics -
Financial Planning Association Of Singapore (Fpas)Financial Planning And Services -
Singapore College Of InsuranceInsurance -
Singapore College Of InsuranceChartered Financial Consultantยฎ/Singapore (Chfcยฎ/S) -
Singapore College Of InsuranceChfc08 Smart Certificate Of Completion -
Singapore College Of InsuranceChfc09 Smart Certificate Of Completion
Frequently Asked Questions about ๐๐ฏ๐จ๐ง๐ง๐ ๐๐ข๐๐ก๐๐ฅ๐ฅ๐ ๐๐๐ฒ , ๐๐ ๐ยฎ, ๐๐ก๐ ๐ยฎ/๐, ๐๐๐ ๐
What company does ๐๐ฏ๐จ๐ง๐ง๐ ๐๐ข๐๐ก๐๐ฅ๐ฅ๐ ๐๐๐ฒ , ๐๐ ๐ยฎ, ๐๐ก๐ ๐ยฎ/๐, ๐๐๐ ๐ work for?
๐๐ฏ๐จ๐ง๐ง๐ ๐๐ข๐๐ก๐๐ฅ๐ฅ๐ ๐๐๐ฒ , ๐๐ ๐ยฎ, ๐๐ก๐ ๐ยฎ/๐, ๐๐๐ ๐ works for Cnrst Pte Ltd
What is ๐๐ฏ๐จ๐ง๐ง๐ ๐๐ข๐๐ก๐๐ฅ๐ฅ๐ ๐๐๐ฒ , ๐๐ ๐ยฎ, ๐๐ก๐ ๐ยฎ/๐, ๐๐๐ ๐'s role at the current company?
๐๐ฏ๐จ๐ง๐ง๐ ๐๐ข๐๐ก๐๐ฅ๐ฅ๐ ๐๐๐ฒ , ๐๐ ๐ยฎ, ๐๐ก๐ ๐ยฎ/๐, ๐๐๐ ๐'s current role is Manager, Wealth and Risk.
What schools did ๐๐ฏ๐จ๐ง๐ง๐ ๐๐ข๐๐ก๐๐ฅ๐ฅ๐ ๐๐๐ฒ , ๐๐ ๐ยฎ, ๐๐ก๐ ๐ยฎ/๐, ๐๐๐ ๐ attend?
๐๐ฏ๐จ๐ง๐ง๐ ๐๐ข๐๐ก๐๐ฅ๐ฅ๐ ๐๐๐ฒ , ๐๐ ๐ยฎ, ๐๐ก๐ ๐ยฎ/๐, ๐๐๐ ๐ attended National University Of Singapore / Nus, Financial Planning Association Of Singapore (Fpas), Singapore College Of Insurance, Singapore College Of Insurance, Singapore College Of Insurance, Singapore College Of Insurance.
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