Prudential Assurance Company Singapore

Financial Services Director

Jaslyn Ng representing Prudential Assurance Company Singapore (Pte) Ltd 
Reg. No. 199002477Z

Senior Financial Services Manager

Financial Services Manager

Associate Financial Services Manager

Preferred Financial Consultant of Prudential Corporate Staff | Award-Winning Financial Consultant| Court of the Table (COT)| Keynote Speaker

Career Highlights:
- Provide sound and valuable financial planning to clients, including Individuals from various levels including C-suite Executives, Business Owners, and Families. 
- Awarded 3 times Million Dollar Round Tables (2018 / 2019 / 2020)
- One of the top Financial Consultants in 2018 for Protection plans & Wealth Accumulation Plans Financial Consultant
- Invited as Dedicated Keynote Speaker for several Prudential events namely, 
      Prudential Aspiring StarClub Panel Speaker to fellow Financial Consultants (Jun'18)
      Prudential Client Seminar "Cancel on Cancer" to Public Audience (Jun'18)
      Prudential Mega Recruitment Event Game to Public Audience (Mar'18)
      Prudential New Financial Consultants Sharing (Aug'17, Oct'17, Jan'18, May'18)
      Prudential Inaugural Breakfast Event New Financial Sharing (Aug'17)

Senior Financial Consultant

Transforming People's Lives through Comprehensive Life Planning to Protect them and Loved Ones

Back in July 2017, I did a major career switch to leave my comfort zone of Corporate HR which I had been operating in the past 11 years to join the Insurance Industry due to various reasons but primarily to achieve optimal balance in life and be a good working mother to my two young kids.

Within 1st month of joining, I had achieved multiple Top Sales Awards and was invited to speak to 300 new Financial Consultants.

Financial Consultant

Institute for Human Resource Professionals (IHRP)

I am extremely proud and honoured to be conferred the prestigious “Certified IHRP - Senior Professional” title through a Singapore nationwide HR examinations that involve understanding Singapre HR legislations & knowledge as well as demonstrations of HR Competencies.

Though I am now in a different industry, I see it even more pertinent to proactively engage myself in HR skill sets because Human Capital development is the pinnacle to every organisation’s success. This is a set of foundational skills which should be imparted to all Managers and Leaders so that we continue to develop a sustainable pipeline of talents in the community we work in.

Certified IHRP-Senior Professional

Archroma

Double-Hat as Head of Total Rewards and Global Head of Mobility
Managed Total Rewards and collaborated with 9 Asia Country HR Heads including Singapore, Indonesia, Thailand, Hong Kong, China, Vietnam, India, Bangladesh, Pakistan to strategise and implement key initiatives
Responsible for Planning, Strategising, and Implementation of Global General Incentive Plan for worldwide employees
Responsible for Global Mobility for international expatriation and transfers which include designing compensation packages, benefits and establishing Mobility Guidelines
Designed and implemented Flexible Benefits for Singapore employees

Regional Head of Total Rewards Asia

FMC Technologies

Key member of the Global Compensation Council responsible for HR Transformation projects including Global Job Structure/Levelling and Global Business Services implementation:

Responsible for the strategic design, planning and implementation of Compensation & Benefits programmes in APME, including Singapore, Malaysia, Australia, China, Indonesia, India and Middle East countries with a headcount of 2200.

Regional Compensation & Benefits Lead

International Rectifier

Asia C&B Lead who is responsible for the Region compensation & benefits programs and practices that impact employees in 7 countries with a headcount of 400. 
- Identifies areas for improvement and contribute to the development of C&B strategy
- Accountable for impact analysis of compensation and benefits and HR initiatives
- Manages benefits delivery including partnering with vendors and selection of vendors
- Obtain buy-in from and communicate with senior managers to deliver guidance and desired results for compensation and benefits programs.
- Experience in various survey methodologies including Radford, Towers Watson, Mercer & HRBS in conducting job evaluations / market analysis using established processes and provide detailed compensation recommendations covering pay adjustments, promotions, bonuses
- Manage the full cycle of annual salary review and quarterly incentive payouts
- Project Lead in HRIS outsourcing and streamlining of HR processes for Asia

Regional Compensation & Benefits Manager

Du Pont Company (Singapore) Pte Ltd

Singapore C&B Lead in development and implementation of Compensation & Benefits initiatives for country office and 2 plant sites with a headcount of 420, reporting directly to Country HR Manager

- Manage full cycle of annual salary and bonus review payouts
- Evaluate and market prices all executive jobs based on analysis to recommend appropriate job grade and compensation packages for new hires, promotions & salary adjustments
- Support M&A integration activities such as Benefits Harmonisation
- Participate in survey and conduct analyses to make appropriate recommendations to Country HR Manager

Compensation & Benefits Analyst

The Coca-Cola Company

Singapore C&B Lead in development and implementation of Compensation & Benefits initiatives for Singapore Bottling plant with a headcount of 690 employees.

Compensation & Benefits Executive

Sodexo Asia Pacific Pte Ltd

C&B/HR Generalist individual contributor supporting regional operations for 2 business entities (Sodexo Asia Pacific and Sodexo Facilities Management Services) in the Asia Pacific zone

Regional Compensation & Benefits Executive

DHL Logistics Asia Pacific

Support VP C&B in development and implementation of compensation & benefits solutions in Asia Pacific region

Regional Compensation & Benefits Analyst

I am a corporate rebel. And with a mission you’ll not think of.

7 years ago, I left a $250K per annum salary package as a Global HR Director to seek that optimal balance which I yearned for - Financial and Time Autonomy.

Today I proudly stand at the apex, recognised with the prestigious Top of the Table (TOT) Qualification, representing the top 0.5% of all financial consultants worldwide. 

Serving more than 700 clients, amongst them are over 400 senior corporate leaders, including CEOs, Chief Officers, Managing Directors, and Senior Vice Presidents. 

As perhaps the sole top Financial Consultant in Singapore specialising in catering to CEOs, I have an unparallelled level of expertise and an execellent track record, with a 100% satisfaction rate from them. 

“The biggest win working with Jaslyn is planning for a long term sustainable growth and not short term hits. Jaslyn is easy to work with and able to put the building blocks in simple terms and she is deeply focused on my goals rather than just selling a product.”

Jeyakumar Janakaraj, CEO, Adani Global.

Leveraging my background as an Ex-Global HR Leader, I combine strong quantitative skills in Compensation & Benefits with an empathetic consulting approach, fostering reassurance and confidence among my clients.

Drawing from my extensive experience with industry giants like DHL, Coca-Cola, and FMC Technologies, I bring a global outlook to financial advisory, enriching my clients' perspectives and strategies.

Setting myself apart from conventional financial consultants, I adhere to a distinct 3-Step PURE Approach:

1. Proactive Listening
2. Understanding
3. Recommendation
4. Evaluation

Recognising that financial planning is not one-size-fits-all, I provide customised solutions across various domains, including:

🚨 Wealth Protection
💹 Wealth Accumulation
💵 Wealth Management
🏦 Wealth Preservation
🧧 Wealth Distribution

Today I am a highly sought-after speaker. Till date I have spoken on more than 70 occasions on my advisory practice, on international and local platforms. 

A crowning achievement was delivering a keynote address at the MDRT Global Conference in 2023, addressing an audience of over 7,500 industry peers who are the creme de la creme of my space. 

Driven by a profound mission, I aspire to foster greater financial awareness and empower individuals to lead fulfilling lives and retire with dignity. 

Jaslyn Ng
representing Prudential Assurance Company Singapore 
1280/27Nov23
http://www.prudential.com.sg/FC-info

𝐀𝐧𝐨𝐭𝐡𝐞𝐫 𝟏𝟐-𝐲𝐞𝐚𝐫-𝐨𝐥𝐝 𝐰𝐢𝐥𝐥 𝐧𝐨𝐭 𝐛𝐞 𝐜𝐨𝐦𝐢𝐧𝐠 𝐡𝐨𝐦𝐞 𝐭𝐡𝐢𝐬 𝐰𝐞𝐞𝐤.


As a mother, I felt compelled to write this post.

This week is the start of the PSLE.

On Wednesday, a close friend who works in a hospital told me a Primary 6 student had committed suicide at home. 

💔 Can you imagine the fear, despair, and hopelessness the child must have felt before he chose to end his life?

When I heard this news, I teared. 

I just couldn't imagine the pain, guilt and devastation the parents would have to go through.

The family's world is now forever split into before and after.

PSLE is just a milestone.

It should never be “Do Well, or Die.”

This post is not to intended to discuss whose fault and responsibility. 

As a fellow Singaporean, I had gone through PSLE myself twice. 

The first time, as a student taking the PSLE almost 30 years ago. 

The second time, as a mother who went through PSLE last year with my daughter. 

She didn't do as well as expected. 

And yet, today she is thriving in secondary school now.

I am proud to say that as a mother, she blossoms in the right environment, and gets to learn at her own pace. 

Recently she has been coming home to say: 

"Mummy, I topped the class!" 
 
In 2024 alone, we lost 22 children aged 10–19 to suicide.

We don’t know how many were due to exam stress.

But one thing is certain:  Mental Stress is a major contributor. 

It can come from within, fellow peers or even parents.  

So this is my plea to every parent:

Please believe your child is trying their best.

Your version of “pressure that made you stronger” could be the weight that breaks them.

Parents always say that our love for children is unconditional.

Make this heard and felt by our children - our love towards them will always be there no matter what they score in exam. 

I am sharing all these today, hopefully to prevent any more children from succumbing to extreme suicidal thoughts.

If this post stops just one child from believing there’s no way out.

It’s worth writing.

♻️ Repost this to parents if you find this useful.

 🔔 Follow Jaslyn Ng Asia Insurance Agent of the Year who is a mother first then a Financial Consultant.

Jaslyn Ng Asia Insurance Agent of the Year

LinkedIn Top Voice | “THE Go-To” Financial Consultant of CXOs CEOs and Senior Corporate Leaders

Yesterday, I fulfilled my childhood dream
to become a Lecturer 🎤

This was a 2-hour workshop to train over 200 financial practitioners on working with CXO clients. 

Someone asked me after the session:

“Jaslyn, you’re everywhere. 

𝗪𝐨𝐮𝐥𝐝𝐧’𝐭 𝐲𝐨𝐮𝐫 𝐂𝐗𝐎 𝐜𝐥𝐢𝐞𝐧𝐭𝐬 𝐰𝐨𝐫𝐫𝐲 𝐢𝐟 𝐲𝐨𝐮 𝐡𝐚𝐯𝐞 𝐭𝐢𝐦𝐞 𝐟𝐨𝐫 𝐭𝐡𝐞𝐦?”

The truth can’t be further from that. 

Not once has a CXO client asked me that.

If ever I come across this question,
I would answer this in jest 😳

“Imagine you’re diagnosed with a medical condition today. 

Would you prefer to find a doctor who is very free with an empty clinic and stands at the door to greet you? 

Or a highly sought-after authority figure in this medical space but with patients waiting to see this specialist doctor?”

*************************************

In my experience working with these senior corporate leaders, they are not only humble. 

These corporate leaders are often the most understanding and appreciative ones. 

That’s probably why they rise up to their senior roles and carry the heavyweight titles. 

Only because we all know that we function in similar ways. 

We are always in meetings. 

We are always solving problems.

We do not have expect immediate replies but would prefer full transparent answers. 

We want to work with someone whom we can deeply trust.  

➡️We don’t fluff. 

➡️We provide insights.

➡️We don’t pretend to know everything. 
but we will get the answers.  

This workshop was hosted by IFPAS - INSURANCE AND FINANCIAL PRACTITIONERS ASSOCIATION OF SINGAPORE (OFFICIAL). 

Initially I thought the sign up rates was low. 

All because I did not receive any confirmation from the organisation. 

Hmm.. 🤔 maybe 10 participants since this is a paid event $96 for non members. 

It turned out to be…

An over-subscribed session with 
a full house of 40 participants (F2F) and 170 on Zoom.

And by 4pm when we wrapped up, no one in the room had left. 

This proved one important fact:

CXOs aren’t the only ones who appreciate depth and clarity. 

Some people asked why I shared my playbook so openly.

My answer is simple:

Because raising the bar of professionalism in this industry has always been my bigger purpose.

And that includes serving my clients the exact same way I want my family to be served. 

🧠 You don’t hire a doctor because they’re “available”. 

You hire them because they’re best.

📌 If you're a corporate leader who's finally ready for a strategic, not just transactional, relationship with your financial consultant. 

Let’s talk. 

I’m not here to sell you policies.

I’m here to make sure your plan is bulletproof so you can focus on what matters most.

♻️ Repost this if you found it insightful.

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Thanks Jaylyn Ng Gui Ying Yating Mak for being there! 

#TopOfMind #WealthManagement

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Went off the radar for the past one week. 

As a Leader, I wanted to be fully present with my team for this incentive trip. 

Starclub trip are generally awarded to the  top 20% of Prudential Assurance Company Singapore. 

This time we flew together to Germany, Munich, a city that was new to me! 

It has created so many memorable moments for me: 

✅ Champion Team Winner at the Soapbox / Trivial Competition

We won the top prize of $8,000 vouchers.

The truth is I don’t even know how to build a car. 

But thanks to the amazing collaborative team work put in by the 25 of us. 

We split the work: 

🛠️ The smart engineers constructed the car. 

🎨 The artistic designers decorated the car with their best artwork. 

📝 The resourceful ones answered the trivial questions correctly under the shortest time.
  
On hindsight, I realised it’s the same in work.

You don’t need to know everything yourself.

What matters is finding talents that complement your flaws, and seizing every opportunity to value-add together.

✅ A 7-station HIIT workout at West Park

It was 40 seconds workout per station and 20 seconds rest.

Isn’t this how we should be living life?

Give your best in intense bursts. 

Take a short break in between to recharge. 

Then step into the next challenge and give it your best shot again. 

✅ A visit to Hitler’s Retreat Home at Eagle’s Nest and Underground Bunker for the Nazi Elite

Back in school, I scored A1 in History because I was drawn to WWII stories.

But to step foot 25 years later into this Nazi regime monument was simply mind blowing. 

It was so surreal to be breathing the same air as the dictator in where history’s darkest decisions were once made.

I got reminded by Warren Buffet’s famous quote: 

“Look for people with Integrity, Intelligence and Energy. 

And if they don’t have the first, the last two will kill you.” 

✅ Witnessed two industry veterans celebrate 50 years of service.

Golden Words of Wisdom

✨ Don’t quit. Don’t give up.

✨ Do the right thing.

That’s the spirit my team lives by every single day. 

No shortcuts ❌

Just consistent, relentless commitment to do right things for our clients and their family members. 

To my clients: 

Thank you for trusting me and my team to always act in your best interests.

To Prudential Assurance Company Singapore: 

Thank you for creating these moments that remind us why we do what we do.

To my Team: 
Some would say “Work hard, play hard.”

For me, I would say “Work hard in silence, let success be the noise.”

Missing Maybel Heng [Asia Employee Benefits Consultant of the Year] one of the Starclub Qualifiers! 

♻️ Repost this if you found it insightful.

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#PruStarclub2025 #Munich #TopOfMind #Leadership #FinancialConsultant #Success #DoTheRightThing

🏆 𝐒𝐢𝐧𝐠𝐚𝐩𝐨𝐫𝐞 𝐌𝐚𝐧𝐚𝐠𝐞𝐦𝐞𝐧𝐭 𝐀𝐰𝐚𝐫𝐝 – 𝐆𝐨𝐥𝐝 (𝟓 𝐘𝐞𝐚𝐫𝐬 𝐢𝐧 𝐚 𝐑𝐨𝐰!)

From the very first year of my leadership journey until today, my team has never missed achieving this trophy.

And here’s the point:  This post is not about me.

𝐈𝐭’𝐬 𝐚𝐛𝐨𝐮𝐭 𝐭𝐡𝐞 𝐜𝐨𝐥𝐥𝐞𝐜𝐭𝐢𝐯𝐞 𝐜𝐨𝐧𝐬𝐢𝐬𝐭𝐞𝐧𝐜𝐲 𝐨𝐟 𝐚 𝐬𝐦𝐚𝐥𝐥 𝐛𝐮𝐭 𝐦𝐢𝐠𝐡𝐭𝐲 𝐭𝐞𝐚𝐦 𝐨𝐟 𝟖.

Day after day, my team members are out there to protect lives and dreams for families.

To qualify for the Gold Award, the criteria was:

1. $18 Million Sum Assured and 

2. 450 policies 

Last year, we went over and beyond:

 ✅ $42 Million Sum Assured

 ✅ 525 policies

That’s more than double the benchmark.

💡 The real win is not the numbers.

But the concrete safety net that we have established for our clients and their families. 

Thankful to our clients who believe we always put their best interests first.

This is exactly why our team expansion is deliberately slow yet steady.

Integrity and work ethic are integral values which I will not compromise to grow big and fast. 

In 2026, we’re looking for just one ☝️ precious headcount to join our team.

Not to fill a seat. 

But to pursue the same PURPOSE of helping lives. 

Exceptionally well done, my dear team Maybel Heng [Asia Employee Benefits Consultant of the Year] Jaylyn Ng Gui Ying Celeste Xu Yating Mak Adrian Toh Jasmine Hong

Keep going!

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#SingaporeManagementAward2025 #Gold #JaslyNgroup #Success #TOT #COT #MDRT #BreakFreewithPru

I teach people to plan for the future.

But the recent happenings in life made me question my own advice.

3 weeks ago, my 73-year-old dad suddenly lost the ability to walk.

After many rounds of tests and MRI scans, the diagnosis came:

Spinal Cord Infarction which is a rare type of stroke that disrupts blood flow to the spinal cord, leading to his paralysis.

During this period, my calendar was packed with keynote presentations and workshops across Asia.

The toughest was standing on stage in Jakarta, facing 1,500 people while fighting back my tears.

Family has always been my anchor and my biggest value.

But that day, I had to put on a brave front.

After all, which speaker cries during a keynote?

This year, I also witnessed two healthy clients get diagnosed with cancer.

Both are now undergoing chemo and radiotherapy.

And for the first time, I asked myself the same question a few clients had asked me before:

💭 What’s the point of saving for the future if we might not live to enjoy it?

Finally now I can understand why some prefer a YOLO lifestyle.

In China, the “躺平” (Lying Flat) movement is growing.

Where we see younger generation challenging the traditional norms: Marriage, Kids and House.

They choose not to marry, not have kids and not buy a house.

They earn and spend just for themselves, living with minimal obligations.

But once I calmed down and returned to the heart of my profession, the answer was clear:

We do financial planning because of Love and Responsibility.

When financial planning is done right, it prepares us for the unknowns.

It helps us to transfer life's biggest risks off our shoulders so one event doesn’t wipe out everything we have painstakingly built.

It allows us to grow our wealth while we can because none of us can be sure whether we will outlive our resources.

It gives our loved ones the peace of mind so they can continue with the same quality of life even if we are sick and can no longer work.

It also secures our children’s future so their education and dreams will carry on, even when we are gone one day.

It’s like retrenchment: We don’t stop working just because we fear it.

In fact it's rather the complete opposite:

We fear retrenchment - that's why we work harder, save more, and protect ourselves while we can.

That’s what insurance, savings, and investments really are.

A lifeline for the people we love.

Just two weeks ago, my dad said to me:

 "Please reach out to more people. Let them know how expensive the hospital bills can be."

All because he knows there are still so many people out there, exposed to the risks they cannot afford.

This is why I do what I do today.

♻️ Repost this if you found it insightful.
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#TGIF #RealThoughts #TopOfMind #FinancialConsultant

𝗪𝐞 𝐛𝐮𝐢𝐥𝐝 𝐜𝐚𝐫𝐞𝐞𝐫𝐬. 𝗪𝐞 𝐢𝐦𝐩𝐚𝐜𝐭 𝐥𝐢𝐯𝐞𝐬. 𝐍𝐨𝐰… 𝐰𝐞 𝐩𝐨𝐝𝐜𝐚𝐬𝐭 𝐭𝐨𝐠𝐞𝐭𝐡𝐞𝐫.

Today was one of those full circle moments.

Benjamin Loh, CSP and I have unique 🔁 duo relationships:

✅ Strategic Business Coach–Coachee (Ben leads, I follow)

✅ Financial Consultant–Client (I lead, he follows)

And now, we have just added a third:

 ✅ Podcast Host–Interviewee 🎙️ 

Benjamin has just launched his Top of Mind Podcast, a platform for top entrepreneurs, senior corporate leaders, and personalities who shape the way we think.

I’m tremendously honoured to be his inaugural guest on his Top of Mind Podcast!

Super grateful for the space he created for me to air out my own mindshare.

The conversation flowed naturally and authentically.

We didn’t talk about the “usual” 5 Cs. 

But my own version of Big 5 Cs:

1️⃣ Corporate Journey

On the inside, I felt like I was running faster and faster on a treadmill that never stopped.

The pay was good and the work I did sharpened my business acumen. 

I had built up invaluable experience and exposure until the guilt overwhelmed the career satisfaction.

𝐁𝐞𝐜𝐨𝐦𝐢𝐧𝐠 𝐚 𝐦𝐨𝐭𝐡𝐞𝐫 𝐬𝐡𝐢𝐟𝐭𝐞𝐝 𝐦𝐲 𝐩𝐫𝐢𝐨𝐫𝐢𝐭𝐢𝐞𝐬. 

2️⃣ Challenges of a Working Mother

Thinking back about those 3-hour breastfeeding schedule and pumping nights still make me shudder today. 

I have never been so exhausted in my life.

The mother's guilt was relentless. 

I was excelling at work but feeling absent at home.

It took me years to realise this simple truth:

𝗪𝐞 𝐚𝐫𝐞 𝐚𝐥𝐫𝐞𝐚𝐝𝐲 𝐭𝐡𝐞 𝐛𝐞𝐬𝐭 𝐦𝐨𝐭𝐡𝐞𝐫𝐬 𝐨𝐮𝐫 𝐜𝐡𝐢𝐥𝐝𝐫𝐞𝐧 𝐜𝐨𝐮𝐥𝐝 𝐡𝐚𝐯𝐞.

3️⃣ Career Identity

When you are used to introducing yourself with a title, does it feel that it is attached to your identity?

I shared about my own sentiments to shift away from external validation. 

𝐁𝐞 𝐲𝐨𝐮𝐫 𝐠𝐫𝐞𝐚𝐭𝐞𝐬𝐭 𝐜𝐡𝐞𝐞𝐫𝐥𝐞𝐚𝐝𝐞𝐫 𝐰𝐢𝐭𝐡 𝐨𝐫 𝐰𝐢𝐭𝐡𝐨𝐮𝐭 𝐭𝐢𝐭𝐥𝐞𝐬. 

4️⃣ Children

For me, raising children is not about grades or achievements.

It’s about instilling in them the right values of kindness, generosity and grit. 

And the courage to stand up for yourself and others. 

𝐓𝐨 𝐭𝐞𝐚𝐜𝐡 𝐢𝐭, 𝐈 𝐦𝐮𝐬𝐭 𝐥𝐢𝐯𝐞 𝐢𝐭 𝐚𝐧𝐝 𝐰𝐚𝐥𝐤 𝐭𝐡𝐞 𝐭𝐚𝐥𝐤.

5️⃣ CXO Wealth Management

People think corporate leaders have it all figured out financially. 

𝐁𝐮𝐭 𝐭𝐡𝐞 𝐭𝐫𝐮𝐭𝐡 𝐢𝐬 𝐭𝐡𝐞𝐲 𝐥𝐚𝐜𝐤 𝐭𝐢𝐦𝐞 𝐚𝐧𝐝 𝐭𝐡𝐞𝐲 𝐝𝐨 𝐧𝐨𝐭 𝐤𝐧𝐨𝐰 𝐰𝐡𝐨 𝐭𝐨 𝐭𝐫𝐮𝐬𝐭. 

CXOs build empires for their companies but neglect their biggest life project (financial blueprint). 

My role is to give them clarity, uncover the gaps, and solve them with the right strategies.

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#TopOfMind #Podcast #FinancialConsultant #FinancialConsulting #Corporate #Challenges #CareerIdentity #Children #CXO #WealthManagement

𝐂𝐨𝐫𝐩𝐨𝐫𝐚𝐭𝐞 𝐏𝐨𝐥𝐢𝐭𝐢𝐜𝐬 𝐋𝐞𝐬𝐬𝐨𝐧 𝐈𝐧 𝐚 𝟏𝟑-𝐲𝐞𝐚𝐫-𝐨𝐥𝐝’𝐬 𝐜𝐥𝐚𝐬𝐬𝐫𝐨𝐨𝐦.

Last night, I landed in Singapore after a 12-hour flight delay and an unexpected night in Abu Dhabi.

I had only a few hours to unpack, repack, and get ready for my 8am flight to Hong Kong for the MDRT Global Conference in Macau.

By 11pm, I had finally showered. 

When I was just about to collapse on bed, my 13 year old daughter walked in excitedly!

Our energy levels were obviously unmatched. 

"Mummy, you know I have so much to share with you. 

There's so much DRAMA in school this week."

Deep inside me, there was an urge to say "Later, I'm too tired."

But the flashback of my childhood hit me. 

At Primary Two, I excitedly went to my mum to share stories.

Her reply was a curt: “Go away.”

The feeling of being abandoned has since stayed with me even until today.

So I chose differently.

I chose presence with engagement.

I listened and probed with questions.

Even when my mind drifted like a kite, I pulled it back.

In essence, my daughter was “framed” by a close friend, accused of things she did not say or do.

There were so many details and characters whom she introduced. 

My exhausted brain had to quickly piece together all these information to form a visual movie of it. 

But what I was truly interested and eventually impressed was how she handled it with grace:

1. She listened calmly to the grapevine.

2. She verified directly with her friend.

3. She deliberated whether to continue the friendship.

Does this sound familiar to you?

Isn't this the same pattern we see in corporate corridors:

Colleague A spreads a rumour about you.

Colleague B repeats it, 

Then you're left deciding what to do.

I told her:

""Whether you remain friends or not doesn’t matter. 

You may even forgive her.

 But NEVER forget the feeling of betrayal.

 Let it remind you never to inflict the same pain on others."

💡 As parents, it's impossible to shield our children from every hurt.

 But we can instill values that guide them: 

Calm, Clarity, Compassion, and Discernment.

Sadly, none of this is taught in school.

My Reflection

👉  Learn to validate from the source of truth 

👉  Learn to discern real and fake friendships

This is the real life. Whether in school or in the workplace.

Sometimes, the most powerful leadership lessons don’t come from books or boardrooms.

They come at 11.30pm, when you’re dead tired, listening to “school drama.”

✨ To Working Parents: When was the last time your child shared their stories with you and did it resonate with you?

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𝐓𝐡𝐞 𝐌𝐚𝐠𝐢𝐜 𝐨𝐟 𝐒𝐚𝐲𝐢𝐧𝐠 𝐘𝐞𝐬


“Doing the same thing over and over again and expecting different results is insanity.” – Albert Einstein

Yet most people live exactly like this.

Not because we cannot do more.

Rather because we are afraid of the unknown.

😵 We are afraid of failure.

😵 We are afraid of judgement.

😵 We are afraid of disappointment. 

But here is the brutal truth that I began to realise as I age.

Fear also creates the excitement of something bigger is waiting right behind that unknown door. 

I was in MDRT Global Conference Macau for the past 4 days.

My intention was to participate and immerse fully as a learner since I do not have any speaking duties this time! 

So I went in with my ipad each time. 

To sit quietly and soak in the wisdom like a new rookie in the room. 

And.. I ended up on stage 3 times to receive awards. 

✨ Once as a Leader (Platinum Award winner for Culture of Excellence).
 
✨ Once as a Producer (Top of the Table 2025).

✨ Once as a Consistent Achiever (Earning me an unique Macau Badge).

As I reflected, none of these would have happened. 

If not for the "YES" I said twice in my life.

1st YES for me to join this meaningful profession.

2nd YES for me to join the very first conference back in 2019. 

In the end the YES opened 3 Big Doors 🚪 for :

1. The first Small Door (Our Inner World)

Saying Yes builds up our internal self confidence.

There is a strong positive psychological effect.

Just by telling ourselves "Hey, actually it's not that hard afterall!"


2. The Bigger Door (Our External World View).

Saying Yes each time breeds familiarity.

You get to meet new people first as strangers.

As you attend more events like this, strangers eventually become friends and then good friends. 

With each step we take, the big room feels less intimidating. 

We create that web-network of friends with meaningful conversations which in turn increase our future possibilities. 

3. The Magical Door (The Global Stage)

This is the moment when the magic happens.

When friends are willing to recommend you to their inner circles.

This is where collaboration happens. 

This is where mentorship happens. 

And one day, you may even stand on the mega stage that you once sat in as an audience, thinking when would be your turn?

Looking back, my journey was not just about attending conferences.

It was about walking through a series of "YES-es"

Each door led to another. 

Ever single door played its part to reshape my career, business, leadership and how I conduct my life today. 

👉 What’s the one opportunity in front of you today that deserves a yes even if it scares you?

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𝐂𝐚𝐭𝐡𝐚𝐲𝐋𝐢𝐟𝐞 𝐟𝐥𝐞𝐰 𝐦𝐞 𝐭𝐨 𝐓𝐚𝐢𝐩𝐞𝐢 🇹🇼 𝐟𝐨𝐫 𝐭𝐡𝐞𝐢𝐫 𝐃𝐢𝐠𝐢𝐭𝐚𝐥 𝐏𝐫𝐞𝐬𝐬 𝐂𝐨𝐧𝐟𝐞𝐫𝐞𝐧𝐜𝐞 𝟐𝟎𝟐𝟓.

Speaking to 23,000 agents from Cathay Life Insurance Co., Ltd. was an incredible honour. 

What's more it was a panel session segment of their Digital Initiatives Press Conference! 

Honestly it felt more like a Apple yearly launch more than an insurance event!

We met 400 of them in the room and the rest 22,000 of them were dialling in online witnessing this special moments. 

 My role was just a 10-minute panellist.  

But the learnings I had received and taken away left such a phenomenal impact. 

📲 Cathay Life’s in-house digital apps are truly next-level.

Before this panel session, I knew CathayLife had 20% market share, already a the number 1 market leader.

But today at the event, I learned CathayLife now helms 30% of the market share. 

That’s what happens when innovation isn’t just technology, but a way of life for every single one in the organisation. 

In the first segment, I shared how digital adoption keeps us Top of Mind for clients.

My fellow speaker Richard Gavriel spoke on training and how digital initiatives sharpen customer service.

But my favourite part was on how to sell to across generations spanning from Baby Boomers to Gen Zs. 

Specifically I spoke about Gen Y & Gen Z:

👉 They don’t like being preached to.

👉 They want quick responses.

👉 They want someone who truly understands their real concerns.

What I’ve observed in Taipei:

Cafés are now full of young people.

The younger generation is now focused fitness and health. 

That's why their health-focused dining is booming with more stalls opening.

Younger people are also more willing to spend more on lifestyle.

Couple that with:

 🏠 Sky-high housing costs.

 📉 A birth rate of 0.86.

 😮‍💨 A YOLO mindset creeping in.

So how do we give them hope?

I introduced the idea of The Freedom Fund.

The concept is not “Save for retirement” which may seem too far away for them.

But: “Save consistently to create options in life.”

✔️ Options to buy a home.

✔️ Options to start a family.

✔️ Options to chase passions without fear.

That’s the 底气,  the confidence and backing to live fully. 

And a simple habit shift: Save, then spend.

Somewhere along adulthood, people started to "Spend then save whatever is left"!

So our job as financial consultants is to help our clients build back the system and habits.

Special thanks to Benjamin Ang for this unforgettable opportunity!

🚀 If you’re a professional in your 30s or 40s and feel like lifestyle costs are racing ahead of you let’s build your own Freedom Fund strategy.

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#CathayLife #TopOfMind #FinancialConsultant

𝐖𝐡𝐞𝐧 𝐥𝐢𝐟𝐞 𝐭𝐡𝐫𝐨𝐰𝐬 𝐲𝐨𝐮 𝐚 𝐛𝐞𝐚𝐮𝐭𝐢𝐟𝐮𝐥 𝐬𝐮𝐫𝐩𝐫𝐢𝐬𝐞… 𝐲𝐨𝐮𝐫 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐩𝐥𝐚𝐧𝐬 𝐦𝐮𝐬𝐭 𝐞𝐯𝐨𝐥𝐯𝐞 𝐰𝐢𝐭𝐡 𝐢𝐭.⁣


David is a well-established SVP in the banking sector.

Until two years ago, he found his calling and set up his own company. 

He became the Managing Director.

When we first met, our joint planning revolved around:

 ✅ Education funds for his two young kids (aged 5 and 2)

 ✅ His Retirement funds of $15K per month for him and his wife

Over the past few years, we had caught up every few months. 

In the most recent coffee chat, he told me:

 “Jas, my wife is expecting! 

I’m going to be a third-time dad!” 🎉

I was truly ecstatic for him! 

Until his next line caught me off guard:

 "It means I will have to push back retirement by another 5 to 10 years."

Life had just rewritten the entire playbook for David and his family.

Our plan had to just evolve and keep up with this happy news!

With this new chapter, we went back to the drawing board and mapped out new goals:

 🔹 Add maternity and education funding for child #3 (at least $150K, inflation-adjusted)

 🔹 Increase life protection so the family is able to maintain their lifestyles should unforeseen happens

 🔹 Secure a retirement income of $15K/month for him and his wife

 🔹 Ensure his critical illness coverage could carry 10 years of expenses if cancer or crisis strikes

We stress-tested his plan through both best-case and worst-case scenarios:
 
✨ Best case:

He continues to work for another 20 to 25 more years, builds up cash values on his existing policies, and enjoys retirement on his own terms.

⚠️ Worst case: 

If David is suddenly taken out of the picture, his family remains protected with a strong safety net. With their home, education, and quality of lifestyle intact.

💡 Financial planning should not be a one-size-fits-all approach.

Like human beings, the planning should also evolve with time. 

It's a living strategy that blends with planning and yet flexible enough to cater for life's unexpected surprises, be it good or bad ones.

So let me ask you:

If your life changes tomorrow, will your financial plan be able to blend with your next milestones and surprises?

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#TopOfMind #FinancialConsultant #FinancialPlanning #CXO #WealthPlanning #WealthManagement

𝐀𝐫𝐞 𝐲𝐨𝐮 𝐤𝐢𝐥𝐥𝐢𝐧𝐠 𝐲𝐨𝐮𝐫 𝐨𝐰𝐧 𝐣𝐨𝐛? 

This was the golden question that caught my attention. 

It was posed by Tan Ooi Boon during the The Straits Times English Master Class. 

In case you find his name familiar, Ooi Boon is the Invest Editor of Sunday Times.

He was sharing his views on the usage of 
Generative Artificial Intelligence (AI) such as ChatGPT. 

It is great tool for certain work tasks but it cannot replace human writing, yet. 

I am so glad he raised this point. 

Yet the scary truth is that many of us are starting to rely more on ChatGPT. 

If you’re a corporate employee today, this is one of the biggest risks you face when you allow AI to take over your daily job. 

Why?

Imagine if most of your work can be performed by AI, then why would the company still need you?

Don’t forget that you are paid for your expertise, tacit knowledge and experience gained over the years. 

This helps you to solve complex problems in your job. 

If we keep “outsourcing” your analytical work to AI, your job will eventually die in your own hands too. 

That was the whole message that Mr. Tan Ooi Boon was trying to put across. 

Being a Financial Consultant, I have always been a fervent reader of Ooi Boon’s Sunday Times Invest section. 

I always find it fascinating how he can explain CPF, inheritance, wills, trust and other financial related topics in such clear and succinct manner. 

I was so glad that I blocked out my entire day, turning down client appointments to attend this course. 

Being the only self-sponsored student, I truly believe in the power of writing. 

Especially if you’re my reader in LinkedIn, you would know that I write regularly here.  

The course entailed: 

✅ Commonly misspelt words

✅ Remove redundant words

✅ Use headlines to capture attention

✅ Adopt ROAR writing style

➡️Readers : Who is the audience? 

➡️Objective: What are you trying to do? 

➡️Action: What do you want readers to do?

➡️Response:  What will they think of you? 

If you’re a parent like me, you pass on these learning to your children too. 

Thank you Tan Ooi Boon, I signed up the course because of you! 

Congratulations on your new book
 “Retire with More Money” !! 

P.S. This post is written by me. Really. 😜

#StraitsTime #English #MasterClass #Testimonial #WriteBetter #TopOfMind #FinancialConsultant

𝐀 𝐌𝐨𝐭𝐡𝐞𝐫’𝐬 𝐋𝐨𝐯𝐞 𝐂𝐨𝐧𝐭𝐢𝐧𝐮𝐞𝐬 𝐭𝐨 𝐅𝐥𝐨𝐰 𝐅𝐨𝐫 𝐆𝐞𝐧𝐞𝐫𝐚𝐭𝐢𝐨𝐧𝐬


It doesn’t stop at retirement.

And it certainly doesn’t stop when the children are grown adults.

A Mother's Love simply evolves and hopes to flow for generations

My client Amy, in her early 70s, is a retired, highly educated intellect.

Her business acumen and foresight never fail to impress me.

Her daughter Lynn, in her early 30s, inherited her mother’s brilliance.

And she chose a different career path, in Arts scene.

She is thriving, but with volatile income and no CPF contributions, this created a nagging worry in Amy. 

4 years ago, Amy came to me with the question every mother carries in her heart:

“Jas, how do I ensure my child is protected for life when I’m no longer around?”

I created a structure that pays out lifetime income.

That income covered all of Lynn’s protection premiums.

A simple yet powerful solution.

It gave Amy the peace of mind.

It resolved the worry that kept a mother awake at night.


Fast forward today. 

Lynn is buying her matrimonial home.

Amy came back with a new concern:

Lynn’s volatile income could hinder her from keeping up with monthly mortgage payments.

Her words were crystal clear:

 “Jas, I don’t want to pay off Lynn’s mortgage completely. But as a mum, I want to relieve part of her stress. 

So that Lynn can focus on her passion without being weighed down by financial worries.”

This was not about a mother's full indulgence but just empowering her own daughter with financial stewardship.

Here’s the solution we designed:

🔹 Income Stream A — A high six-digit sum set aside to generate monthly income immediately, covering a big portion of Lynn’s mortgage.

 🔹 Income Stream B — A regular premium investment-linked plan that builds a second income stream and provides a capital-guaranteed death benefit.


End Outcome:

✅ Lynn gains financial stability and confidence to pursue her dreams.

 ✅ Amy fulfills her role as a mother providing support, yet not over-providing.

 ✅ And this plan itself can one day be passed on to Lynn’s future children.

This is not just financial planning.

This is a 𝐓𝐡𝐫𝐞𝐞 𝐆𝐞𝐧𝐞𝐫𝐚𝐭𝐢𝐨𝐧 𝐋𝐞𝐠𝐚𝐜𝐲 𝐏𝐥𝐚𝐧𝐧𝐢𝐧𝐠

💡 The bigger picture is this:

 Retirement planning is never the final chapter.

Sometimes, the most enduring gift a parent leaves behind is not money.

Rather it's the freedom for their children to pursue their own passion, FEARLESS. 

(Photo of me in Munich and century old monument is a reminder: 

Legacies are not built overnight. They’re built with intention)

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#CaseStudy #LegacyPlanning #CEOs #SuccessStories #TopofMind #FinancialConsultant

Thank you Prudential plc for giving us the Top 4 Asia Protection financial consultants , the opportunity to share in this panel session.  

Delighted to be speaking to the 1,500 global practitioners about how I truly feel about the need for protection. 

"Striking 4D in Singapore has a chance of 1 in 10,000. But the chance of striking cancer is 1 in 4 in a lifetime."

If we love to buy 4D hoping to win, why are we not protecting ourselves in case we strike cancer too?"

Prudential Assurance Company Singapore

#Protection #Awareness #Panel #TopOfMind #FinancialConsultant

Friendly. Efficient. Heartwarming.

These are all words used to describe our frontline heroes – the agents who go above and beyond to give our health insurance customers peace of mind. Peace of mind that if they or their family ever need it, help will be there for them.

At our recent PruMDRT Conference, Arjan Toor, CEO, Health spoke to our top-selling health agents about their role in helping our customers every day.

A heartfelt thank you to Jaslyn Ng, Derek Wong Tuck Kong, Alice Chu, Susi Gunawan and Ho Bee Hian for joining our panel and sharing your powerful stories.

#PruMDRT2025 #PeaceOfMind #EveryLifeEveryFuture

Good News to expats based in Thailand with kids 📣

My kids have been learning with Math Mavens Singapore Tuition Centre. 

The teachers never fail to amaze me with their dedication. 

The kids always come home to tell me they grasp the concepts taught by Math Mavens so much faster. 

P.S. This is not a sponsored post. 

Just an ordinary mother who witnessed my kids transformed after attending Singapore Math Mavens for 3 years.

🎉Grand Launch of Math Mavens Thailand

Math Mavens is proud to bring Singapore’s renowned Primary Mathematics education to Bangkok, offering a proven programme that builds strong mathematical foundations and deep conceptual understanding through engaging and enjoyable lessons!

Our team of dedicated primary Mathematics teachers provides personalised support through interactive, small-group lessons designed to nurture curiosity and mastery. This approach equips young learners with a solid Singapore Mathematics foundation and gives them a global edge, empowering them to excel both locally and internationally.

🎁 To celebrate our launch, enjoy exclusive VIP rewards tailored just for you! Register now at www.mathmavens.co.th and experience the Math Mavens difference!

Maybel Heng [Asia Employee Benefits Consultant of the Year]

Taplio

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