I honestly don't even know where to start. My kidney surgery was one of the scariest moments of my life-not just health-wise, but financially too. The surgery ended up costing $53,000, and I was terrified I wouldn't be covered. But my best friend in the insurance world, CJ was a true lifesaver. He didn't just help me find a plan, he made sure I understood everything, stayed on top of every detail, and genuinely cared about making sure l'd be okay. Because of his help, my insurance came through when I needed it the most. I didn't have to worry about how I was going to afford the care I needed-I could just focus on healing. I'm beyond grateful. If you ever need someone who actually cares and knows what they're doing when it comes to insurance, trust me—go to CJ.

Hi, I am Fabian. I went through a midlife crisis, and despite earning enough to live comfortably, I had never really grasped the importance of financial stability until I met CJ. For most of my life, I lived in the moment, never thinking ahead or setting aside emergency funds for rainy days. CJ didn’t just help me get my finances in order; he also made me realise the significance of maintaining good health and how it affects both you and your family in the long run. He did more than he needed to; he even planned my finances so that my lifestyle would be sustainable and I could achieve what I believe I can. Life stages all come from planning. Looking back, I wish I had met him sooner. CJ not only changed the way I think about money, but he also transformed my overall outlook on life. I genuinely thank him for coming into my life. He’s done more than I ever expected from a financial consultant, and I can say with full confidence that anyone who works with CJ will experience the same positive impact. He’s nothing short of amazing.

Even though I've known CJ for 14 years, I was surprised when he told me he's venturing into the insurance industry because he was already doing well in the IT field. Nonetheless, I chose to entrust my policies with him because I know that I'll be in safe hands with someone like him who possesses a positive work attitude and a stellar work ethic. Equally comprehensive and patient in explaining the various policies to me, there wasn't a hint of hard selling. I knew that he had my interests at heart during the review session because he advised me against purchasing the more expensive premiums knowing that they are incompatible with my lifestyle. Thanks CJ!

I'd like to extend my heartfelt gratitude to CJ for his exceptional service and unwavering commitment. His deep expertise and meticulous attention to detail have provided me with invaluable peace of mind, knowing that my coverage is thorough and tailored to my needs. His prompt responsiveness and genuine care have turned what could be a daunting process into a smooth and reassuring experience. I'm truly fortunate to have such a dedicated professional guiding me through my insurance needs. Thank you for going above and beyond, CJ!

I’ve known CJ for 10 years now, long before he ventured into insurance. CJ has always been one of the most caring, sincere and authentic friends that I have ever met. When he gave me advice on insurance matters, he was very straightforward, patient and detailed. Given CJ’s personality and sincerity, I know that he would only recommend products he himself believed in. He is passionate, driven, and someone whom I would trust and highly recommend to my friends and family.

CJ explains personal financial planning in an accessible manner such that one would have all the information they need to make decisions for themselves. This is the reason why I decided to get CJ to review my portfolio. He pointed out my blind spots and gave me advice to consider—at my own time. I eventually decided to take up his advice and made some adjustments. I would recommend CJ to anyone who needs financial planning to future proof themselves.

I was initially sceptical to do a review of my current policies with CJ. He truly surprised me by taking the effort to thoroughly assess what I have. CJ also went the extra mile to understand my rationale for these policies and my plans for the future. After taking everything into consideration, he then laid out possible amendments and additions to my portfolio without being too forceful. It has been a pleasure working with CJ and I thank him for his hard work and dedication.

I met CJ through a good friend of mine. My friend spoke highly of CJ, so when CJ asked if I was open to review my insurance portfolio, I gladly welcomed the suggestion. Firstly, I appreciate his honesty and straightforward attitude when it comes to my policies. He's pragmatic and he made it easy for me to understand the pros and cons of my current policies. In addition, his personable character made all the consulting sessions enjoyable. Lastly, you’ll know he has your best interests at heart when he truly thinks about your future and the lifestyle that you would have. I’ve never met a financial consultant who truly thought about real-life situations like him. Such a gem!

CJ is an absolutely fantastic consultant. He has extensive knowledge of different types of products, and most importantly, he is patient. After a year of procrastination, I decided to purchase my term and critical illness policy from CJ. He displayed utmost professionalism and honesty, which is rare these days. He is never pushy, sticks to my budget limits, and provides me with a lifetime solution and peace of mind. Highly recommend if you’re looking for a financial consultant who is respectful, diligent, and knows how to tailor products to suit your wants and needs.

I knew CJ through a good friend. I have always feel that he's a warm and honest guy. When he approached me and wanted to talk about my financial plan, I was a bit hesitant, like most people would, initially. After going through the talk, I was impressed by his professional skills. He provided me with a comprehensive plan, that has various options for me to consider. Most importantly, I had a more sound understanding of what I need now and what my future will be. I am glad to know CJ and I hope to continue working with him as my financial needs evolve.

I always believe that keeping money in the bank is the worst decision, but I don’t really know what to do to ensure that my retirement is well covered. It got even trickier after having my son. After sharing this challenge with CJ, he has been the most patient, attentive, and sincere financial consultant. He doesn't just recommend for the sake of making a living. He takes time to understand me, my current lifestyle, my commitments. He does a thorough assessment before recommending a product. The best part - not pushy at all. He gives me time to think about it; in fact, he wants me to think about it. I really appreciate him for being himself and playing a big part in my planning. Thank you for thinking for me and my family. I truly appreciate it and hope you will continue to share your knowledge and bring a positive impact to others.

I am truly fortunate to have found CJ as my financial consultant, who consistently goes above and beyond. What's great about CJ is he really gets me – he takes the time to understand what I need, not just what's on the table. In a world where personalisation often takes a backseat, CJ stands out by tailoring insurance solutions to fit my unique circumstances. He took the time to guide me through every policy, providing clear and understandable explanations of the details. This dedication provided me with the confidence that I had made informed decisions about my coverage. But it's not just about the policies with CJ; it's about knowing he's got my back. I'm not just a client to him; I feel like he genuinely cares about my well-being and financial security. Trust is everything in this industry, and CJ's earned mine wholeheartedly. I confidently recommend him to anyone looking for more than just an insurance provider – he's a real partner who puts your needs first, giving you the peace of mind we all need.

Over the last three years since my university graduation, I’ve had many people talk to me about being insured, but I’ve never felt inclined to take up any offers until I met CJ. I truly believe he’s one of the most genuine and trustworthy consultants (turned friend). I never once felt expected or pressured to purchase anything, even after hours of him addressing my concerns and questions. He always made sure to cater to our needs and never failed to be honest with his recommendations, even if it meant it wouldn’t boost his numbers. He’s eager to help, never to exploit, which is something I truly appreciate. Additionally, he is super responsive (both before and after becoming a client). I really feel like my family and I are one of his priorities, and not just another client. If you are looking for someone you can trust, I’m sure you’ll be assured with CJ.

From the moment my wife and I began working with CJ, he demonstrated a deep understanding of our needs, and was able to provide us the guidance and support we needed to make informed decisions. CJ's expertise and professionalism were evident throughout the entire process. He took the time to explain the available options and helped us understand the pros and cons of each, so we could make the best decision for our circumstances. What impressed me most about CJ was his attention to detail and his commitment to finding the right solution for us. He was patient and thorough, taking the time to answer all our questions and address any concerns we had along the way. I highly recommend CJ to anyone looking for a knowledgeable and trustworthy financial consultant. Thank you, CJ, for all that you did!

I met CJ in my previous workplace more than 5 years ago. Back then, he struck me as someone who upholds strong professionalism in serving his clients. He demonstrated great patience and incredible understanding of my investment needs. He aided in my retirement planning and personal coverage, truly providing me the peace of mind of security, while maintaining the travel leisure that I'd like to have. I was genuinely impressed by his attentiveness as well, when I needed his assistance to claim for a minor accident. He is definitely a financial consultant who goes the extra mile for his clients.

I came to know CJ through a really good friend of mine. At that point in time, my wife and I were not looking to get any insurance. However, CJ helped us realise the importance of having a proper insurance plan. He explained the policy details with clarity and wasn't pushy, giving us time to think it through. CJ provided us with excellent financial advice and helped us come up with a robust plan that we are very satisfied with. Thank you, CJ!

I knew CJ since primary school. We caught up recently, it was just casual, nothing about work. Through the interactions, being financially savvy myself, I agreed with his viewpoints. That's why I have been introducing friends to him because I am confident that he will do a good job helping them with their needs. In my case, he reviewed my portfolio and I went along with his recommendations. It's hard to find a consultant who is aligned with your beliefs and pays attention to your considerations. Try meeting him for a session and you will know he is better than the rest!

CJ and I have been friends for over 10 years and he has always been someone who is nothing short of genuine care and concern for the people around him. I fully trusted CJ in reviewing my policies to be in line with my lifestyle and goals. He only recommended what was necessary and would supplement my existing portfolio. I recommended CJ to many of my friends and they have since become his clients. I'll continue to recommend him to my friends!

My past financial consultants have not been memorable thus far, but I'm glad that CJ came forward and offered to help me review my portfolio. During the review, I witnessed his commitment to me as a client. He went over and beyond, spending extra time to map out my portfolio in a simple chart. This helped me to understand my portfolio very quickly. I appreciate CJ not just as an financial consultant but also a friend, who dedicated time to know me better and build up a friendship through this journey. I’m really honoured to have CJ as my financial consultant. If I have friends or family members who are looking for insurance, CJ would definitely be the first one I recommend. He is someone whom I trust.

I was introduced to CJ by my ex-colleague. I highly recommend working with CJ! His approach focuses entirely on customising solutions to fit my specific needs, and he took the time to understand my situation thoroughly and provided tailored recommendations. It's rare to find such a dedicated and client-centric financial consultant who prioritises individual requirements over sales pitches. Thank you for your awesome service, CJ!

I have never fully understood the importance of insurance until I met CJ, who was introduced to me at a mutual friend's gathering. He was very sincere in offering the most ideal plans while catering to my financial needs. CJ was also very meticulous in his planning and provided amazing tailor-made solutions. Thank you, CJ!

I got to know CJ through a friend's referral. Within a short period of time, I felt at ease with him because of his approach and professionalism. He was extra transparent and gave me expert advice. This helped me to make an informed decision regarding my investments. I definitely foresee a good professional relationship with him in the future!

CJ and I have known each other for more than 8 years. When I knew that he is a financial consultant, he reviewed my policies and explained them. He then compared the policies and also advised which I had to fix to have a better coverage. He also helped me plan for wealth creation. I see that he is a reliable financial consultant who is able to advise the best for his clients. I am blessed to have met CJ and trust him to advise the best policies for myself, my family and his clients.

Honestly, when CJ was first introduced to me by a mutual friend, I was considering whether to reply him or not. Luckily, I took a step which I can say is one of the best decisions I have made! Not only did CJ take his time to ask me about the policies that I already had at hand, but he helped me to understand them better and proceeded to help me explore my options in terms of making sure I get the best policies which matched what I was looking for. He also patiently explained to me the various policies and guided me to better realise and understand the benefits and possibilities that some policies could present for me. Through his patience and thorough review of my existing and new policies (of which I am happy to say I signed with him), I now can safely say that I understand all my policies better and am on the right track. His dedication and care is truly admirable and I can now only thank our mutual friend for introducing CJ to me!

I am a person who does not like complications in all matters hence I have never thought of reviewing my policies until CJ checked in with me. I’ve known him for years and I know that he will not recommend anything that I will not need hence I decided to hop on a review session with him. Throughout the entire session, he maintained his professionalism and explained in detail how I can make my portfolio more robust and all rounded. His dedication to ensuring that I am properly covered under the right plan gave me a sense of security and I am glad that I went ahead with CJ’s recommendation. It’s definitely the best decision I’ve made!

CJ is able to expound on the intricacies and details of the various policies in a manner where it is very easily digestible to even a layperson. His honesty, knowledge and relatability is what I greatly appreciate in any consultation. These attributes lead me to get CJ to conduct a portfolio review for me in which he managed to bring several blind spots in my current policies to light. I eventually decided to heed his advice and made the necessary adjustments to my policies. CJ is someone whom I will recommend to anyone who wishes to have a holistic and robust financial portfolio to future proof themselves.

CJ was patient in answering all my questions and even provided information beyond what I asked for. Although it was painful to fork out additional cash for personal protection, I can rest assured that CJ only recommends products based on my personal needs. I also know that I can count on him for any future claims (if they arise), as he is a reliable and trustworthy person.

CJ has been the best financial consultant I’ve worked with—efficient, effective, and extremely creative. He was able to devise the best plans for me in a short amount of time, resulting in both cost savings and higher coverage. I truly hope many of his future clients will benefit from working with him. He’s someone I will highly recommend to my friends and family. Thanks CJ!

CJ is a reliable financial consultant who does his best to share with me what he thinks is best for my insurance and wealth plans. I entrusted my plans to him because I know that he is one who thinks in the best interests of his clients. For instance, he takes the time to understand my risk appetite and outlook on the stock market before he does his recommendations. All in all, I am happy to be CJ's client and I know I'm in safe hands, thank you CJ!

I’ve had the pleasure of working with CJ for 3 years, and not once has a session been dull. He takes the time to understand my needs and offers tailored, practical, and cost-effective solutions. His ability to explain complex concepts clearly has made managing my insurance straightforward and stress-free. What truly sets him apart is his genuine commitment to his clients. He is responsive, reliable, and proactive, always ensuring I’m informed of any updates or changes that may impact my coverage. I highly recommend CJ to anyone seeking a dependable and experienced financial consultant.

I first met CJ more than 5 yrs ago as his client. I found him to be a genuine person—he would only recommend me a product that he himself truly believes in. So, when he became a financial consultant, I decided to get him to review my policies. The session was enlightening! I learned that I was actually not as well covered as I imagined myself to be. CJ came back to me with an appropriate plan that is a better fit for my current lifestyle and needs. I am glad that I took that leap of faith and had the review with CJ, because I gained more than what I expected. I recommend you do the same with CJ too!

CJ is dedicated and sincere in his communication with clients. He took the time to understand our needs and carefully explained the specifics of the products. Because of this, my wife and I entrusted him with creating a portfolio for ourselves and our newborn. We are deeply grateful for his time, patience, and guidance throughout this process. We look forward to continuing our partnership with him in this long-term journey. Thank you, CJ, for being such a trustworthy partner.

CJ’s meticulous preparation and attention to detail truly set him apart. He goes above and beyond to ensure clients receive the best products, showing a genuine concern that dispels the common notion of financial advisors being solely profit-driven. I’m incredibly grateful for everything he’s done for me over the past year. Beyond his professionalism, CJ’s approachable and patient demeanour makes working with him a pleasure. He answers all our questions, ensuring we feel confident in our decisions. In an industry often criticised for being impersonal, CJ is a true advocate for his clients. My wife and I wholeheartedly recommend him to anyone seeking a dedicated and caring financial consultant.