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

Jaslyn Ng Asia Insurance Agent of the Year Ex-HR Global Leader, Top of the Table Qualifier

Absolute honour to speak at this panel yesterday at Raffles Hospital. 

I was reminded again healthcare is an inter-connected ecosystem. 

We had Dr Sarah Lu representing medical specialists. She’s a top breast surgeon! 

Dr Sidharth Kachroo, who is our Chief Health Officer representing Prudential Assurance Company Singapore  

With Yasminne Cheng moderating the panel in her charismatic charm and humour. 

And I represented what I know best:

The real voices, fears and questions of everyday clients. 

And I shared one key insight:

People don’t delay healthcare because they’re careless.

They delay because they’re uncertain.

When something happens: 

When there is a diagnosis or severe medical condition, clients would reach out immediately:

“Jas, am I covered?

Private or public?

Single bed or 4-bed?

Will this affect my future premiums?

Which policy (shield plan or company coverage) do I claim from first?”

Behind every question is the same fear:

“I don’t want to make the wrong move.”

That’s where the role of Financial Representive becomes critical.

1️⃣ Premium Sustainability is Key. 

Adequate protection isn’t enough. 

Underpinning the peace of mind is premium sustainability.

Hospital shield plan premiums rise with age, regardless whether there’s a claim.

So I help clients plan long-term:

Conduct proper cashflow analysis. 

Understand family history. 

And whether private coverage fits their future, not just their present.

Some people misunderstand about private health. 

They think it’s luxury. 

But buying private health care is simply buying flexibility and options when you need it the most at life’s lowest. 

2️⃣ Clients don’t want jargon. They want clarity.

I simplify everything in what I say to clients. 

Underwriting → Go through a list of questionnaire and declare Yes/No. Follow up checks if needed.

Claims → Step-by-step guidance on which plan pays first.

Benefits → How it fits into clients’ real life scenarios, not just using technical terms.

Fear delays care.

Clarity reduces fear.

3️⃣ Buying is the first half.

Claims support is the second half and the hardest.

My clients know I’m always reachable.

Even if I’m in an appointment, I acknowledge, update, and guide.

Because nothing erodes trust faster than an MIA agent.

Sitting on this panel reinforced something I’ve believed for years:

Doctors treat.

Insurers innovate.

But financial consultants are the ones who connect every moving part, translate the complexity and give the quiet confidence to clients to act early. 

That’s the real value of our work. 

Thank you Prudential Assurance Company Singapore Raffles Hospital Singapura for this opportunity!  

#Panel #Speaker #TopFinancialConsultant

♻️ Repost this if you found it insightful.

🔔 Follow Jaslyn Ng Asia Insurance Agent of the Year for more real stories and sharp financial insights.

✉️ DM me if you want the true peace of mind.

Jaslyn Ng Asia Insurance Agent of the Year

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

No alternative text description for this image

𝐎𝐮𝐫 𝟓𝐭𝐡 𝐌𝐮𝐥𝐭𝐢-𝐌𝐢𝐥𝐥𝐢𝐨𝐧 𝐃𝐨𝐥𝐥𝐚𝐫 𝐀𝐠𝐞𝐧𝐜𝐲 𝐓𝐢𝐭𝐥𝐞

This is our 5th year achieving this most highest accolade as a team
"Multi-Million Dollar Agency" (MMDA) award.

Before year 2025 ended, that goes to show how hard our small yet elite team has worked. 

But this year hits my team and I deep.

Two weeks ago, our team member Adrian Toh, underwent major surgery to remove a 10.5cm cancer tumour due to cancer relapse.

Adrian had been diagnosed with non small cell lung cancer few years ago. 

Just when things were looking well and happily in remission, his cancer relapsed. 

This time with super aggressive cancer cells attacking him. 

Today happens to be his first day of chemotherapy.

During this period of illness, Adrian did not stop. 

He continued to meet his clients while he was at his weakest.

Adrian submitted mostly protection plans.

I know it's not for numbers, but because he truly cares.

It's precisely Adrian himself has lived through his cancer (twice) and benefited from the protection coverage.

That's why he was willing to use his own experience to influence people around him to get the adequate protection. 

Adrian was also the final case that sealed our MMDA title this year.

Many teams achieve only with teams double our size. 

We may be 0.5x in size. 

We run 2x as productively. 

We own 3x the purpose to do the right things. 

2025 has been our most productive and most meaningful year.

📌 245 lives protected

📌 425 cases incepted

And here’s something I have to shout out to thank my team.

While the team was delivering these results, I was also contributing heavily to the wider industry:

📌 22 keynote presentations and panel sessions

📌 13,000+ audiences across Asia and the US.
The audience range  from public attendees seeking financial literacy to more than 10,000 industry practitioners

I share this not for bragging rights but to make one point very clear:

I’m not always around because I have got bigger responsibilities to uplift the profession.

Yet my entire team self-runs, stays disciplined, and always does what’s right for clients.

That, to me, is the real mark of a strong agency.

To my team:

Thank you for your independence, integrity, and the way you always put clients first. Even when I’m travelling, speaking, or serving abroad.

To our clients:

Thank you for trusting us, referring us, and growing with us through the years.
Your confidence fuels our purpose.

To Adrian:

Your courage is the quiet heartbeat behind this year’s achievement.

You remind all of us why protection work matters & deeply.

Success isn’t measured only in awards.

To our team, success is measured in purpose, resilience, and the lives we protect together.

🔔 Follow Jaslyn Ng Asia Insurance Agent of the Year for more real stories and sharp financial insights.

Maybel Heng [Asia Employee Benefits Consultant of the Year] Adrian Toh Jasmine Hong Celeste Xu Jaylyn Ng Gui Ying Yating Mak

#MMDA #ThankYou

𝐓𝐡𝐞 𝐁𝐨𝐨𝐤 𝐓𝐡𝐚𝐭 𝐌𝐚𝐝𝐞 𝐌𝐞 𝐅𝐞𝐞𝐥 𝐋𝐢𝐤𝐞 𝐚 𝐂𝐄𝐎 𝐟𝐨𝐫 𝐭𝐡𝐞 𝐅𝐢𝐫𝐬𝐭 𝐓𝐢𝐦𝐞

Last night I was honoured to be invited to this “Optimal Leadership” book launch. 

The author was none other than Wilf Blackburn.  
 
It felt like watching someone I deeply respect open up the blueprint of his mind and his heart.

I went home, picked up the book, and started reading.

My usual practice was to skimp through. 

But this time, I was “sucked” in and read it word for word.

For the first time ever, I genuinely felt like I was sitting in a CEO’s chair. 

The First 100 Days chapter completely shifted how I view leadership.

You don’t wait six months to “observe.”

During the first 100 days, how do you conduct 1:1 interviews, understand their deepest motivations and know who are the right fit. 

The CEO role suddenly felt so real, understandable and humane.

Then there was one idea in the book that absolutely blew my mind:

➡️Hiring talent from outside the sector.

If they thrive, they bring in fresh ideas that disrupt the status quo.

If they don’t, they will likely exit the industry entirely instead of joining a competitor. 

It’s such a brilliant defensive strategy that only someone who has played on the global stage would think of.

And it reminded me of the Wilf I know personally.

Last night, he shared publicly the story of how he bought a plan from me when I was a 4th month rookie. 

During that time, I had just left my corporate HR role to start from scratch as a Financial Consultant. 

He shared as a CEO moving across countries and companies, he couldn’t possibly buy everywhere he went.

So he made a rule:

Whoever approached him first, he would buy from that person.

By sheer timing and courage, I happened to be the first.

He was describing to the rest how “smart” I was to make this bold move. 

But hearing him tell this story again brought back all the memories. 

Wilf opened the very first door for me into C-suite financial planning.

Maybe that’s why this book hit so deeply.

Because I don’t just see the CEO.

I see the human behind it all.

The boy who wanted to be a footballer.

The actuary who rose to become a CEO early in his career. 

Im sure it did not happen by chance, but by deliberate, strategic decisions and the right mentorship.

His humility is as striking as his intelligence.

And his leadership is as intentional as it is inspiring.

This book isn’t a memoir.

It’s a manual:

If you’re mid-career, read it.

If you’re stepping into bigger roles, read it.

If you’re already a CEO, you may want to read it twice.

Smart people learn from mistakes.

Wise people learn from others’ mistakes.

And this book lets you skip a few painful ones.

♻️ Repost this if you found it insightful.
🔔 Follow Jaslyn Ng Asia Insurance Agent of the Year for more real stories and sharp financial insights.

#OptimalLeadership #BookLaunch #WilfBlackburn #TopOfMind #CEOFinancialConsultant

This morning at 5:30am, I entered the gym and picked the weights. 

It was not purely for fitness. 

It was about fear.

The quiet one that creeps up when life reminds you that none of us are invincible.

Recently I learned how fast we lose muscle after 40.

Then I looked at my dad’s health decline.

And a teammate around my age who just had a cancer relapse.

Suddenly the image in mirror and the number on the weighing scale did not matter. 

Only this thought hit me:

If I lose my health… 

I lose my freedom too…

That was the wake-up call.

This morning I went  back to my 5am life.

I’ve been going to bed earlier at 10pm.

Waking up before the world does. 

Rebuilding the discipline I used to own.

I contemplated signing up for a big gym package.

Then I stopped myself since I already have a yoga unlimited pass. 

My condo gym is already downstairs.

Then it dawned on me that the real membership I needed wasn’t a contract. 

It was just my own time commitment.

Today wasn’t a big workout.

It wasn’t impressive.

But it was mine. 

An accountability to myself. 

A promise to myself. 

I’m not waiting for a doctor, a diagnosis, or another reminder of mortality before I get my act together.

I just want to grow stronger again.

I just want to build back the muscles time quietly stole.

And keep the health that lets me live, work, love, and raise my kids with energy.

If you’re reading this and feeling that same little fear…

Maybe it’s your wake-up call too.

Your future self is begging you: 

Don’t wait. Start today.

♻️ Repost this if it reminded you what truly matters.

🔔 Follow Jaslyn Ng Asia Insurance Agent of the Year for more real stories and sharp financial insights.

✉️ DM me if you want financial clarity not just more policies.

𝐑𝐞𝐟𝐥𝐞𝐜𝐭𝐢𝐨𝐧𝐬 𝟐𝟎𝟐𝟓

As I'm sitting down in a cafe, waiting for my next appointment. 

I went into introspective mode. 

Looking back at the last 340 days, 2025 stretched me in ways I never imagined.

It pushed my time management to its limits. 

Optimising every single hour every day. 

It’s truly no joke being a 100% full-time financial consultant serving 700 clients while also leading a team that has now protected 500 lives.

This year, I had the privilege to fly across countries to share my journey with fellow practitioners.

I stood on more stages than ever and at the same time, faced personal storms I didn’t see coming.

My dad’s sudden medical condition tested our family’s limits.

A timely reminder to me again that nothing in life is guaranteed.

Not health.

Not stability.

Not the future we assume we will have. 

I watched people I care about fall ill.

I saw careers shift overnight.

Yet I also experienced wins I never dared to predict.

If I had to summarise 2025 in one sentence:

Life is fragile but we are all far stronger than we think.

Here’s what this year has taught me repeatedly.

We don’t have limitless time.

So stop procrastinating.

Go do that thing you’ve always wanted to do now.

Do not wait for the perfect time or when you're ready.

Health is the one thing every sick patient wishes they had.

Stop Making Regret A Habit. 

Clarity beats being “always busy,” every single time.

You don’t need to hustle for the sake of hustling.

Focus on the strategic few things that truly move the needle.

Resilience is simple - Let's all learn to be a baby again. 

Fall down, Stand up, Repeat.

I’m walking into 2026 with clearer priorities and tighter boundaries, plus a strategic mind.

We can all build a big life without burning out but only with clarity and intention.

Here’s to closing the year strong. 

And stepping into 2026 wiser, lighter and bolder (especially when it comes to saying NO).

♻️ Repost this if you found it insightful.

 🔔 Follow Jaslyn Ng Asia Insurance Agent of the Year for more real stories and sharp financial insights.

 ✉️ DM me if you want clarity — not just more policies.

#Reflection #Instropection

𝐖𝐡𝐲 𝐄𝐚𝐫𝐧𝐢𝐧𝐠 $𝟖𝟖𝐊 𝐩𝐞𝐫 𝐦𝐨𝐧𝐭𝐡 𝐃𝐢𝐝𝐧’𝐭 𝐒𝐚𝐯𝐞 𝐇𝐢𝐦

And this could happen to anyone. 

Last week, an article caught my attention:

A bank director earning $88,828 every month ended up with only $13,000 in savings.

Not $130K. Not $1.3M.

But rather he only has cash savings of roughly 3 days of his monthly salary.

($88,000 / 22 work days = $4K per day). 

Before anyone judges, it isn't rare in Singapore, especially when we live in one of the highest cost of living cities in the world.

In my line of work, I have seen many high-income earners fall into this same brutal trap, quietly and consistently.

Here’s the part most people get wrong:

1️⃣ High income doesn’t protect you. Control does.

This man’s household monthly expenses hit $46,000.

The money didn’t vanish. 

It was intentionally spent on a top notch quality of lifestyle.

Holidays, allowances and lifestyle perks. 

Everything adds up when you stop counting.

2️⃣ Lifestyle creep is a silent killer.

Despite owning a $2.9M home, he took two additional mortgages

Not for investment but yet to fund his daily living expenses.

He even rolled a $200,000 credit card loan.

High income + Over spending = Financial Disaster 

3️⃣ Retirement gets expensive if lifestyle gets expensive.

If he maintains the same standard of living at 65, he will need at least $10 million just to fund expenses till 85.

This is why I drill so deeply into my client's monthly expenses.

Retirement planning isn’t about how much you earn.

It is about how much you spend, save and invest and how long you want your lifestyle to last.

4️⃣ Wealth isn’t built by accident.

It's built with strategic long term intention.

You need to know your numbers.

You need to be honest with your spending habits. 

Only then you can be protected against the blind spots of "lavish spending"

I’ve worked with CEOs, CFOs and Senior Corporate Executives. 

All their income levels differ drastically. 

Whilst their spending habits may not be the same, there is an universal truth behind these case studies. 

The people who win financially may not always be highest earners.

Instead these are the ones who stay aware, stay intentional, and stay in control.

Hope this news comes as a good reminder:

It's not how much you earn. 

It's how much you spend.

It's how much you save and invest.

That gives you the last laugh. 

♻️ Repost this if you found it insightful.

 🔔 Follow Jaslyn Ng Asia Insurance Agent of the Year for more real stories and sharp financial insights.

 ✉️ DM me if you want 100% financial clarity.

𝐌𝐲 𝐅𝐢𝐫𝐬𝐭 𝐌𝐚𝐧𝐝𝐚𝐫𝐢𝐧 𝐊𝐞𝐲𝐧𝐨𝐭𝐞 — 𝐓𝐡𝐞 𝐁𝐢𝐠𝐠𝐞𝐬𝐭 𝐒𝐭𝐞𝐩 𝐎𝐮𝐭 𝐨𝐟 𝐌𝐲 𝐂𝐨𝐦𝐟𝐨𝐫𝐭 𝐙𝐨𝐧𝐞 𝐓𝐡𝐢𝐬 𝐘𝐞𝐚𝐫

Last Sunday in Hangzhou, I stood on stage as an MDRT representative for the Manulife Sinochem Kick-Off 2026.

I did something I had never done before.

It was to deliver a full 40 minutes Mandarin keynote presentation in front of 300 top China Senior Leaders and Financial Representatives.

I'm not going to lie. 

At some moment, there was this split second doubt “Can I really do this?”

But another part of me whispered, “If you're scared, you're on the right track!"

So I mustered all courage and stepped out (of my own comfort zone).

My topic was Closing High Net Worth Clients and Big Deals.

But what hit me hardest wasn’t the content.

It was what the experience taught me about people and problem-solving.

Because the truth is, no matter your job or industry, all the big problems are solved the same way.

1. See the real issue beneath the surface.
 
2. Clarify and discern the actual problem, not the "loudest" one.
 
3. Create win-win alignment so that everyone benefits, and people want to move forward with you, not against you.

4. Activate your resourcefulness and tap into your strengths to solve the complex problem.

And these are not just insurance lessons.

But they are true life lessons that I've learnt in my corporate days.

Toward the end of my keynote, I referenced the latest Chinese drama 《许我耀眼》because the show reminded me of something important:

Be observant. Be aware of what people need even when they don’t say it.

Then help others solve problems quietly, thoughtfully, and sincerely.

That, to me, is real leadership.

Personally for me, just standing on that stage in Hangzhou, speaking in a language I don’t normally present in…

I truly felt myself grow. 

This trip humbled me.

 It reminded me that courage doesn’t come when you’re ready.

Instead it emerges when you force yourself to get into uncomfort zones.

To Manulife Sinochem & MDRT, thank you for the trust.

To the audience, thank you for receiving me with warmth.

To myself, thank you for stepping forward even when it was scary.

The photos and videos from this trip say it all.

__________________________________

第一次全程中文压轴演讲——也是我今年最大的一次突破

上个星期天，我在杭州参加中宏人寿的开门红大会，代表 MDRT 上台分享。

这是我人生第一次，做一场40分钟全中文的主题演讲。

我甚至怀疑自己：“我真的行吗？”

但另一个声音对我说：“怕就对了，只有害怕你才会成长！“

分享主题是《如何成交高净值与大保单》

但真正触动我的是：

无论哪个行业，要解决“大问题”的逻辑，其实都一样。

1. 看见表面之下的真正问题。

2. 分辨并厘清真正的核心，而不是被“最吵的那个问题”带走。

3. 找到双赢的方向，让每个人都能受益，也愿意与你一起往前走，而不是对着干。

4. 发挥你的资源与优势，把复杂的问题化解、拆开、解决。

这不是保险的道理。

这是人生的道理。

在结尾，我也提到最近很火的华语剧《许我耀眼》。

剧里的人物很会观察、很会体察别人、很会默默解决问题。 

我告诉在场的伙伴：

“当你能更细心、更敏锐、更懂得用自己的力量帮助别人，你就已经比别人多了一束光。”

站在杭州这个舞台，我清楚感觉到：

成长从来不是在舒服的时候发生的。

是你明明害怕，却依然往前迈一步的时候。

谢谢中宏人寿和MDRT的信任。

也谢谢台下每一位听众给我的温暖。

也谢谢自己，为这一份勇气。

这次行程的照片和视频，我也会一起分享——因为这是值得被记住的时刻。

Wef 1 January 2026, all secondary schools in Singapore must ban use of smartphones and smartwatches during school hours.

I was invited to Channel 8 National TV to share my perspective as a parent on my views about this move:

Here's my key points:

1. Phones disrupt focus. 

Kids scroll endlessly, their minds stay “active”, and many struggle to rest or concentrate after.

2. My daughter’s secondary school banned phones since 2019.

Every morning, students lock their phone in the classroom lockers and only retrieve them after lessons. 

3. At home, we set boundaries too.

My children get only 60 minutes of screen usage daily. 

The restriction forces them to prioritise and plan their screen time efficiently: 

- Homework Discussion, 

- Casual Chats/Text with Friends,

- Social Media (Youtube/Mothership News)

- Games

 Instead of endless scrolling, they actually plan their time.

To me, this is not about restriction.

It's about teaching digital responsibility early under parental's supervision. 

#Channel8 #TV #MobilePhone #Ban #News

I chanced upon this news article. 

Being once married, this news hit me hard.

When two people are in love, everything feels simple.

Money, ownership, “who pays what", all these seem secondary to the relationship.

Even talking about dividing things too equally can feel calculative and awkward.

However when a marriage falls apart, the past feelings don’t hold up in court.

The reality is only "Black-and-White" agreements do.

Over the years, I’ve witnessed enough family disputes to know this:

If parents and children can also end up fighting over assets, then married adults, are not immune either.

Here are some reflections I hope more couples (especially women) will think about:

1) Love is emotional. Assets are legal.

You can be deeply in love and still protect yourself.

House ownership, financial agreements, asset titles are not signs of distrust.

They’re signs of clarity.

If your married spouse is not happy whenever you raise such issues, then think twice, or even better think thrice.

2) I always encourage women to stay financially active.

This is especially relevant for us who are staying in Singapore. 

When you have your own income, you naturally have more say and more negotiating power when things go downhill. 

Even if you choose to be a homemaker (which is a full-time job on its own), make sure you still have visibility and control over the household finances.

3) Build your own safety net.

Do not feel bad about quietly stashing funds managed under your own name. 

This funds can be life-saving in times of emergency, e.g. family crisis, kids' education or even worse case scenarios like business failures or divorce.

And in the worst-case scenario, you’ll need resources to:

 • Consult a lawyer
 • Secure housing
 • Stabilise your children
 • Make decisions without fear

This creates options for you. 

4) Prevention is always cheaper than cure.

It's pertinent to talk about money matters even before marriage. 

Who pays for what?

or how should expenses be split?

 50/50? 

70/30? 

Does increase in income level change the split?

There's no right or wrong in such discussions. 

The biggest mistake we can all make is to avoid this open conversation until it’s too late.

That's because in any legal dispute, the one with financial resources always has the upper hand.

They can afford to drag the case, while the weaker party is pressured to settle because they can no longer pay for the costly legal fees.

This post isn't about being cynical.
 
It’s about being prepared and awareness. 

We can all love wholeheartedly but yet plan wisely. 

♻️ Repost this if you found it insightful.

 🔔 Follow Jaslyn Ng Asia Insurance Agent of the Year more real stories and sharp financial insights.

 ✉️ DM me if you want clarity — not just more policies.

Last Saturday, we wrapped up our final two client appreciation events of the year.

Without a doubt, we ended this year 2025 on a high note! 

This was our 15th client appreciation event this year.

And one insight stood out loud and clear:

Customisation wins. Every Single Time.

During this customised keyboard workshop, every client rolled up their sleeves to construct their own. 

After the event, each client walked away smiling from ear to ear.

It was because personalisation allowed them to be as creative as possible. 

For the first time they could create their own unique keyboards. 

They chose everything:

1. The keyboard structure (with or without number pad)

2. The “clickiness” level 

(I jokingly told them choose the loudest one if they want their boss to hear how hard they’re working. 

Otherwise, another good outcome arising out of this would be they would be sent back to work from home. Too Disruptive!)

3. The colour theme of their keyboard - ranging from Mahjong set, to all black to colourful ones)

These clients were not just building keyboards.

These clients were building something of their own.

And that’s where the real insight hit me.

If even a keyboard deserves this level of personalisation...

What's more our own life planning! 

This is why I always emphasise that in every client meeting:

You should never be buying an “off-the-shelf” product.

Your financial planning should be customised and built around what you truly need.

A married father will prioritise life coverage completely differently from a single professional.

A 58-year-old nearing retirement should not be taking the same risks as a 28-year-old with 30 to 40 years time horizon.

All of us are at different milestones of our life.

These milestones then reshape our priorities and what “important” looks like.

Last Saturday alone, many clients came with their family and friends.

We were not just assembling switches and keycaps.

We were creating memories together!

One client joked, “Jas… every time I type now, I’ll think of you!”

To me, that's a GREAT MISSION ACCOMPLISHED!

15 client appreciation events this year.

Imagine running at an intensity of organising more than 1 event per month. 

Here's the Universal Truth: 

Clients do not want products.

Clients want something crafted for them something that fits.

If you attended this event, comment with a photo of your customised keyboard ⌨️ 

 If you joined any of our other events e.g Yoga, Movie, Pickleball, Enneagram, CPF retirement workshop, share your experience below!

♻️ Repost this if you found it insightful.

🔔 Follow Jaslyn Ng Asia Insurance Agent of the Year for more real stories and sharp financial insights.

✉️ DM me if you want clarity not just more policies.

People are always strangely curious about how financial consultants actually work.

Do we have big monitors?

Do we have assigned seats?

Do we have a work schedule to follow?

So here’s a short video of how a typical office morning looks for me.

Watch at your own risk. (It's nothing fanciful, just routine work)

First thing you’ll see:

I have my own “To-Do” list everyday.

Totally love the feeling of striking the tasks one by one! 

To me it's highly addictive (for a Type 3 accomplisher) and highly therapeutic (Type 5 working alone)

And unlike many consultants, my team and I do not engage in cold calls or roadshow prospecting. 

Instead we focus on the most important element of human interaction.

That is to know and engage each of our prospect turned client in deep manner. 

My calendar is planned at least two weeks ahead.

Having a work structure keeps me sane to serve my clients well.

Right now, I’m replying to a prospect after our third Zoom call. 

To give her the clarity needed to make the best informed financial decisions.

Concurrently that’s where my iPad comes in: running multiple simulations and scenarios, toggling between projections, and stress-testing options.

What we do requires us to pivot quickly.

At the same time, I’m preparing an update for an overseas client reviewing his financial status and exploring how he can transfer more funds over.

Later today, I have two appointments:

 • A new prospect who attended our customised keyboard event — his review alone takes at least 3 hours of deep work for analysis. 

 • Another client discussion lined up right after - to review his retirement planning that was put in place 2 years ago.

Somewhere in between, I’m also coordinating with the publisher for my 2026 book.

And of course not to forget, squeezing in time to write this Linkedin post of th day.

Well, this is the real real day-to-day of a Top of the Table financial consultant.

As far as possible, everything is planned with strategic intention.

Using the most efficient way to generate the greatest effectiveness.

Staying in the flow is key to me, especially when I’m only in the office for a few hours everyday before heading out to meet my clients. 

Frankly, I'm thankful for this keyboard.

Productivity → GONE UP. 

Stress → GONE DOWN.

♻️ Repost this if you found it insightful.

🔔 Follow Jaslyn Ng Asia Insurance Agent of the Year for more real stories and sharp financial insights.

Final thought:

The setup may look simple, but the work is not just complex but to me, deeply meaningful. 

Every hour spent to guide my clients to help them navigate the nuances of life gives me great sense of satisfaction.

#ADayatWork #Productivity #TopOftheTable #FinancialConsultant #AsiaInsuranceAgentOftheYear

Here’s a video footage of the recent client appreciation event! 

Different clients. 

Different back stories. 

But they all had something in common. 

Onboarded in my community to share joy and experience together! 

Grateful for every client who showed up, had fun and shared their honest feelings. 

This is how real authentic relationships are built. 

#Keyboard #Customisation #JaslyNgroup #TopOfMind #FinancialConsultant

Benjamin Loh, CSP

Professional Speakers Australia - PSA

Conferred by the National Speakers Association, the CSP is the speaking profession’s international measure of professional platform competence by which speakers become a Certified Speaking Professional.

About 12 percent of the 5,000 + speakers worldwide, who belong to the 13 member associations of the Global Speakers Federation, currently hold this professional designation.

The Certified Speaking Professional (CSP) designation is earned through demonstrating competence in professional standards: Platform skills, Business management, Education and Association

Information provided by the National Speakers Association based in the United States of America. The Professional Speakers Association of Australia also grants Certified Speaking Professional (CSP) status with similar (but different) standards of its American counterpart.

Statistics are estimated as of July 2017

Certified Speaking Professional (CSP®)

Flare Communications Coaching Pte Ltd.

Flare Communications Coaching Pte Ltd (201416605R) is a boutique executive coaching outfit dedicated to uplift the communications standards in Asia and help our clients deliver more impact and derive more returns from their communications.

We believe in business-backed outcomes and authenticity, not just plainly "informing" or "entertaining" your audiences. As a Public Speaking Coach, if you're delivering presentations and speeches but not getting the kind of sales results or conversions you want, we will work with you to increase the ROI of these engagements and have prospects convert to paying clients through a proven and tested system of presenting.

Clientele includes executives, directors and C-level executives from leading organizations like AIA, MOE, IBM, DHL, ERA, Barclays Capital, Deloitte Consulting US, Ernst & Young, NTUC, Franklin Templeton Investments, USAID, Lend Lease Group, Walton International Group and Le Xin Group.

We run tailored and customized public speaking programs for your key executives so they can maximize the returns from every speaking opportunity that falls into your pipeline.

Managing Director, Lead Public Speaking Coach

NewCampus

Host for Class - Pitch Your Way To The Top

---

NewCampus is making learning a lifestyle through community and convenience.
We believe that lifelong learning, genuine human connections, enriching experiences and a broad view of the world is key to thriving in the new world today.

NewCampus Class Host (APAC)

The Huffington Post

Accepted and invited onboard as a Contributor on The Huffington Post platform. Articles center around career development, Millennials, young professionals, public speaking & presentation skills.

Huffington Post Contributor

Startupbootcamp FinTech

Onboarded as a Mentor (Pitch Coach) for Startup Bootcamp Fintech in 2017. Previously served as the Pitch Coach for the inaugural class in 2015.

Mentor

Served as the inaugural Pitch Coach to 11 early-mid stage financial technology (Fin Tech) start-up founders of Startupbootcamp FinTech class in Singapore who were seeking funding in quantum range of $250M to $1.2M USD. My job was to ensure clarity and impact of the investment and business pitches for the founders as they prepare for their Demo Day in July 2015 to over 500 industry practitioners, venture capitalists, investors and government officials. This class of founders comprised former bankers (from GS, CS, BoA) with over 10-15 years of banking experience, consultants, traders and financial professionals.

For more information about Startupbootcamp, Europe's leading accelerator program for startups, visit http://www.startupbootcamp.org/.

Official Pitch Coach

Speaker's Flare Training & Consultancy

Speaker's Flare Training & Consultancy (UEN: 53193779L) was founded in June 2011 with the vision of empowering individuals to shine brilliantly on stage by being their truest selves. As Public Speaking Coaches, We work with clients who desire to thrive on stage; increasing sales, raising investment funding and delivering solid effective pitches are what we specialize in.

Till date, we've worked with over 50 clients individually through executive coaching and trained over 1,500 clients in workshop setting. we've been fortunate and thankful to work with individuals from leading corporations including AIA, MOE, IBM, DHL, ERA, Barclays Capital, Deloitte Consulting US, Ernst & Young, NTUC, Franklin Templeton Investments, USAID, Lend Lease Group, Walton International Group and Le Xin Group.

Through our customized public speaking and presentation skills training program, we have empowered our clients to reap immense returns from their speaking engagements.

Founder, Principal Trainer, Lead Public Speaking Coach

Seedly

Seedly Personal Finance Festival 2021 is Singapore's biggest personal finance festival ran digitally for 2021 and has garnered over 5,000 paying #millennial attendees. It also involves over 50 speakers from ARK Invest, 99.co, The Woke Salaryman, Franklin Templeton, Providend, DollarsAndSense, StashAway, EndowUs, Syfe and many more!

Our role as the 'Official Learning Partner' involves preparing the 2 founders of Seedly Singapore to deliver their keynote speeches, 8 moderators, 2 workshop speakers and 2 event emcees to take the stage with effectiveness and authenticity as their Public Speaking & Presenting Coach.

Official Learning Partner (Seedly Personal Finance Festival 2021) 

China-ASEAN New Smart City Innovation & Entrepreneurship Competition (ASEAN Division)

One Pitch. Breaking Borders

This groundbreaking China-ASEAN New Smart City Innovation and Entrepreneurship Competition is back for the 3rd year in 2020! We’re calling for the best ASEAN innovation startups who are seeking opportunities to break beyond their borders.

This is your opportunity to pitch your way into China!

The world is facing a different kind of normal and borders have shut indefinitely. As a result, this competition aims to provide a different kind of Value to startups.

Other than attractive prize monies to be won, we also strive to offer the best smart city Startups access to highly strategic networks, turn ideas into sought-after solutions, and opportunities to break into new markets!

This competition is hosted by the Nanning Municipal D&R Commission and the Nanning Foreign Affairs Office, and organised by CloudBae Big Data Industry Development Co. Ltd.

The ASEAN Division is organised by The 2B Compass Pte Ltd, and co-organised by *SCAPE Co. Ltd and Singapore University of Social Sciences.

Like and Follow us on our Official Facebook Page: https://www.facebook.com/chinaaseancomp

Head of Mentoring Growth

Singapore Management University

Appointed as a Career Consultant for undergraduates at the Dato' Kho Hui Meng Career Centre. Specialist in communication skills and mentoring undergraduates to speak and present powerfully during key moments like interviews, career assessment centres and pitch competitions.

Career Consultant with Dato'​ Kho Hui Meng Career Centre

Thousand Network Asia (Singapore)

Thousand Network is a global community of young people who live on the edge. We cook up molecular gastronomy, perform pop sonatas, build social empires, and craft radical policy. Scattered across 40 cities on 5 continents, we are bound by our curiosity and creativity. The world is our lab, and we were born to discover what’s possible. Altruism is our currency, and we prosper by aiding each other’s growth. Collectively we can do more with our time on (and off) this planet.

Local affiliated hubs around the world select exceptional young people under 30 as members, and empower them to achieve greater impact through the network. We are one such hub based in Singapore, and we spearhead the Thousand Network presence in Asia.

As the Hub Ambassador, I work with my co-Ambassador, Tim, to grow Thousand's membership and further our vision of bringing tomorrow's leaders together, one event at a time.

Hub Ambassador

Growing up as an introvert and serial bully victim, putting myself out there has certainly not been my thing. 

Yet when I decided to pursue my dream as a professional speaker and coach as an accounting college student, I had to learn how to build online influence well. 

A decade later, I’ve been blessed to serve a Fortune 500 life insurance corporation as their Millennials and Social Media Engagement Consultant. 

Here are some "top-line" achievements: 

🌟 Keynote Speaker for Asia Pacific Life Insurance Congress (APLIC), MDRT Day ID, KL & SG 2019-2022 - teach the very strategies that have grown my global speaking business over the past 12 years - from a $500 paid-up capital by 1,000x (annual rev)

🌟 Strategic Growth Coach to the Top Agency Leaders in SG, MY, ID, HK. Currently the "Outsourced CMO" to a $20+M Agency in Singapore, reigning as the Top Group. 

🌟 Taught >57,000 audiences across 10 countries in Asia and Middle East. As of 2020, I've been accorded the Certified Speaking Professional (CSP), an accolade for the top 12% of speakers globally. 

🌟 Featured over 70x on local and regional media (TV, radio, newspaper) like Channel News Asia (CNA), Radio Television Hong Kong (RTHK), The Huffington Post, and more. 

🌟 Trusted and engaged by global corporations like AIA, Atradius, Coface, DB Schenker, MSC Shipping, Porsche Asia Pacific, Prudential, Monetary Authority of Singapore (MAS), Japan External Trade Organization (JETRO), the Saudi Arabia Kingdom (SAK) government etc.

All without spending on paid advertisement, but by pure organic engagement and attraction.

If you're a top life insurance agency decision-maker, you know it’s harder to attract talents.

The old rules - a numbers game - it was effective, but no longer. ❌

You need to be #𝗧𝗼𝗽𝗼𝗳𝗠𝗶𝗻𝗱, but maybe are facing these challenges:

😪 Confused by the mixed messages on how to build your online influence well 

😪 Lost and frustrated after months of "posting content" that doesn't move the needle one bit 

😪  Time and resource-poor because you're tied up with strategic growth of your agency

There is a better way and it doesn’t involve you doing more or becoming someone you are not. 

I can help you: 

🚀 BE AWARE - So your personal brand is seen by your ideal talents and have you be in their radars consistently 

🚀 BE ATTRACTIVE - Leverage organic social content to draw talent to you and the right ones!  

🚀 BE AMPLIFIED - Leverage the right audiences to be a prominent choice

🎁 Connect with me and let's discover how we can make you relevant to your talents of today!

𝗗𝗼 𝘆𝗼𝘂 𝗲𝘃𝗲𝗿 𝗳𝗲𝗲𝗹 "𝗹𝗲𝘀𝘀𝗲𝗿" 𝗯𝗲𝗰𝗮𝘂𝘀𝗲 𝘆𝗼𝘂 𝗼𝘄𝗻 𝗹𝗲𝘀𝘀?

I think it's endemic in Singapore.


Recently, it became a pattern during socials. 

⌙ Ben, why don't you drive?
⌙ Ben, have you bought a car?
⌙ Will you want to buy a flashy wrist watch?


This reminds me when I started out as a professional speaker, a decade back.

I went to an event to learn from a business speaker.

"You have to impress others. Then you can win new business"

He went on to share how he'd go as far as to purchase new automobiles, luxury experiences and properties on credit.

To his credit (pun intended), it worked out for him. Somehow.

So I stupidly bought a $300+ SGD suit (a good % of my pay check then). 

Then I realized... nobody really cared or looked an extra second at me. 

Worse, it was just a bad idea in sweltering Singapore.


In 2025, I still don't drive or own a car in our city. 

Even with one child, we get around with private hires and public transport with so much ease. 💯

As a traveling professional speaker, I'm also on the road 40-50% of the time, being a passenger prince.

Nor do I wear a Rolex or AP. (just an Apple Watch) 

Yet people still ask me occasionally, 

"Ben, you teach insurance agents and financial advisors right? 

Especially the rich and successful ones (yes, all of my coachees are typically high 6, 7 figure earners) 

Won't they judge you? Do you feel inadequate?" 🤔


Here's my "truth" after coaching CEOs, MDs, 7-figure earners and teaching in over 20 cities: 

If they judge me for what I 𝘯𝘦𝘦𝘥 𝘵𝘰 own or wear, then they are buying me for the wrong reasons. 

And worse, I won't want to keep on this hedonistic chase just to "get clients". 

Conversely, if they can appreciate and buy me for my character, wisdom and sheer value I put on the table...

Then I don't need that car, watch or fancy toy. 

Instead, I can focus on the work and helping them, without the need to impress anyone. 🎁


P.s. I've nothing against people who fancy luxury or nice items. It's just in the context of sales and "winning clients" - I think that's overrated.

P.p.s We do spend. And on travel and experiences - and this was me taking my family of 7 on J-class to Sydney. Totally bought into the concept of 'Memory Dividends' in the book Die with Zero'. 

And getting a family car will be a high likelihood when #2 kid comes 🚗

#entrepreneur #life #choices

LinkedIn Top Voice in SG To Follow (2024) | I help top life insurance leaders and service professionals in Asia grow their brand and influence and be #TopofMind | Millennial Dad | Top 12% Global Speaker

Can I share with you my weird trait?

Yes, you might guess it.


I was never a fan of celebrating birthdays. 

Just didn't get the meaning of it. 

Maybe it stemmed from how I didn't like "eyes on me" when I was younger.
(Ironic considering I'm speaking to thousands of people for a living now)

And if we celebrate ourselves frequently, is there  a "need" to celebrate birthdays? 


In the recent years, birthdays have taken a different intent for me.

#1/ 𝘠𝘰𝘶 𝘵𝘶𝘳𝘯 𝘺𝘰𝘶𝘳 𝘷𝘪𝘦𝘸 𝘢𝘯𝘥 𝘧𝘰𝘤𝘶𝘴... 𝘢𝘳𝘰𝘶𝘯𝘥

Notice how your phone camera view is always on the the birthday boy or girl?

Well, I've learnt to look up and around.

And I've seen how my parents, siblings and loved ones who have celebrated me.

Lowered mobility, more white hair and wrinkles. 

I've learnt to celebrate and appreciate them, as much as they do for me.

#2/ 𝘈 𝘳𝘦𝘮𝘪𝘯𝘥𝘦𝘳 𝘧𝘰𝘳 𝘸𝘩𝘢𝘵 𝘯𝘦𝘦𝘥𝘴 𝘵𝘰 𝘣𝘦 "𝘣𝘪𝘳𝘵𝘩𝘦𝘥"

When my son, Davey, came in to our lives, he turned our lives upside down.

For the first few years, I told myself,

"May courage and faith be birthed within me"

These few years, I remind myself to birth joy, resilience and impact in my life so I can lead him better in the years to come.

#3/ 𝘈 𝘤𝘰𝘯𝘴𝘤𝘪𝘰𝘶𝘴 𝘳𝘦𝘮𝘪𝘯𝘥𝘦𝘳 𝘧𝘰𝘳 𝘮𝘺𝘴𝘦𝘭𝘧.

Perhaps best explained with Chinese wisdom,

“吾十有五而志于学，三十而立，四十而不惑，五十而知天命，六十而耳顺，七十而从心所欲，不逾矩。”

From the Analects of Confucius, 

At fifteen, I was focused on learning. At thirty, I stood firm. At forty, I had no doubts. At fifty, I knew the decrees of heaven. At sixty, my ear was tuned to truth. At seventy, I could follow my heart’s desires, without transgressions ."

Not to be followed as dogma, but I've learnt to care less and listen inwards.

To seek my own truth and way. 

--

So this is my reflection birthday post. 

Sans the fanfare or mega celebrations.

Just a family dinner over chicken rice, with two slices of cake and...

a kid who declares that everyone's birthdays (and cakes) are all his. 🤷🏻‍♂️

#birthdays #reflection

Imagine this: You’re in a room with 400 top leaders.

You have 35 minutes to get them to create magic. ✨


And AIA Singapore’s leaders conspired with me to do so.

Last week, I had the privilege of returning as a keynote speaker for the AIA Singapore Leaders Sync’posium 2026. 

It’s always an honor to be invited back, but this time, the stakes were higher.

My mission?

To inspire their top leaders to:
✅ Embrace digital recruitment strategies.
✅ Build attention in new, creative ways.
✅ Create a pipeline of qualified candidates.

But here’s the twist: this wasn’t just another motivational talk. 

The management wanted action—on the spot.

The challenge?

The leadersn the room had to create a 60-second recruitment-themed video based on the two formats I taught them. 

And they had just 35 minutes to do it.

I’ll admit—I was nervous. Could this work on such a large scale, with so little time?

But AIA Singapore’s leaders didn’t just rise to the occasion—they crushed it.

💡 Nearly 30 videos were submitted.
💡 Some were agency-level quality, with sharp messaging and compelling narratives.

This is why AIA Singapore is leading growth in the market. 

Their leaders don’t just listen—they act.

As Schalling Tan (Head of Talent Development) shared:

"𝘛𝘩𝘢𝘯𝘬 𝘺𝘰𝘶, 𝘉𝘦𝘯𝘫𝘢𝘮𝘪𝘯, 𝘧𝘰𝘳 𝘩𝘦𝘭𝘱𝘪𝘯𝘨 𝘶𝘴 𝘮𝘰𝘷𝘦 𝘮𝘰𝘶𝘯𝘵𝘢𝘪𝘯𝘴."

The truth? I’m just the guide. 💙

The real credit goes to the incredible leadership team—CEO Sze Keed Wong , CDO Alvin Fu , Head of TD Schalling Tan CFP , Head of TA Laura Ann Yeo , Joelle Fan , Russell, Ivy and the amazing team behind the scenes.

Here’s to climbing the next big mountain together. 🧗‍♂️

#TopOfMind #SocialMedia #MDRT

Rachel didn't expect this:

"Waa, our Asia CEO noticed my post 👀"


That wasn't it.

Rachel's CEO at Manulife Singapore was impressed too. 

He asked her if her posts were written by herself! (yes it was).

In our 2nd Q of working together for her brand and business growth:
✅ 10-15x average post engagement and comment
✅ Established strong mindshare with her potential candidates (they share they "feel her energy and POV" in her posts (she's recruited 7 new talents this FY!)
✅ Cemented her brand positioning and content strategy (2-3x posting output without burning herself out)


Most financial and insurance leaders do the opposite.
‼️ Resort to ChatGPT and AI at the get-go - voiceless and tasteless content
‼️ Mimic what other leaders do and post
‼️ Post silly cat memes, motivational graphics and lame videos thinking 5,6 figure views bring them new candidate opportunities

If this is your content strategy, ask yourself this:

"Do I want to be the funny meme guy (or gal)? 

Am I attracting new business or getting eyeballs and dopamine hits?"


See, Rachel leads Archel Advisory differently.

#1/ 𝘗𝘳𝘰𝘥𝘶𝘤𝘦𝘳-𝘧𝘪𝘳𝘴𝘵, 𝘱𝘳𝘢𝘤𝘵𝘪𝘤𝘦-𝘭𝘦𝘥 → 𝘓𝘦𝘢𝘥𝘪𝘯𝘨 𝘸𝘪𝘵𝘩 𝘗𝘰𝘸𝘦𝘳 

Started out as a multiple time top Relationship Manager (RM) in a leading local bank. 

Mastered her way to win trust from cold market.

Then, built herself to be a top producer and then, 1 of 7 female directors in her company with 30+ consultants under her wing. 

Other agencies promise you leads and results. 

She drills down to how and what you should say exactly on a cold call. And more.

To land you a meeting, close the deal and open a relationship that lasts.

#2/  𝘍𝘪𝘦𝘳𝘤𝘦𝘭𝘺 𝘱𝘳𝘰𝘵𝘦𝘤𝘵𝘪𝘷𝘦 𝘰𝘧 𝘩𝘦𝘳 𝘱𝘦𝘰𝘱𝘭𝘦 𝘢𝘯𝘥 𝘉𝘳𝘢𝘯𝘤𝘩

A branch (agency) is always an extension of their founder.

Rachel went through deep transformation herself - doubted, sidelined, made to feel "smaller" 

So that's the raw intent for her to found something better without the politics, favoritism etc.

Safe spaces for purposeful and intentional growth - what she stands for.

#3/ 𝘊𝘶𝘳𝘪𝘰𝘴𝘪𝘵𝘺 𝘢𝘯𝘥 𝘱𝘦𝘳𝘤𝘦𝘱𝘵𝘪𝘷𝘦𝘯𝘦𝘴𝘴 - 𝘩𝘦𝘳 𝘗𝘦𝘳𝘴𝘰𝘯𝘢𝘭 𝘚𝘶𝘱𝘦𝘳𝘱𝘰𝘸𝘦𝘳𝘴 🦸🏻‍♀️

That's the "female's edge" when it comes to leadership.

In the industry where male leaders count as the majority, Rachel brings her quiet presence and warmth into each and every conversation. ❤️
 
Experienced consultants who've "seen" and "experienced it all" walk away feeling hope and light after meeting her.

That's why if you follow her, you'll realize her she's congruent, online and offline.

--

If you're an experienced advisor who still has hope and hunger in you BUT are under-performing in your agency or company, it's not your fault.

You just need a new environment and perspective.
 
And that's why I'll drop Rachel Toh 卓㛢妏 a DM, if I'm you :)

#topofmind #MDRT #insurance

Public speaking isn’t about you. 

It never was. Here's why 👇🏻


Years ago, I thought I had public speaking all figured out.

I believed it was about my message,
my voice, and my ability to inspire.

Then I met Bongani.

We were both speakers at an event in India.

I was young, ambitious, and, if I’m honest, carrying a lot of ego. 

I told him, 
“Speaking is my way to express my gift and change the world.”

He smiled and said something that changed my life:
“Speaking is service.”

I didn’t get it at first. 

So, he explained:
“If you have 10 minutes to speak to 15 people,
you’ve taken 150 minutes of the world’s time. 
That’s a gift. Your job is to serve them with those 150 minutes.”

That one conversation flipped everything I thought I knew about public speaking.

I realized I had been doing it all wrong.

I was focused on me. 
👉🏻 How I looked, how I sounded, how I wanted to be remembered.

But Bongani’s words taught me this:
✅ Speaking isn’t about being impressive.
✅ It’s about being useful.

When you step on stage, it’s not about:
❌ Your big agendas.
❌ Your fancy suit
❌ Your ego.

👉🏻 It’s about your audience.
→ What do they need?
→ How can you serve them?
→ How can you make their time worthwhile?

The moment you shift the spotlight from yourself to your audience, everything changes.

✨ You connect more deeply.
✨ You deliver more value.
✨ You make a real impact.

So now, every time I step on stage, I ask myself:
“How can I serve them today?”

Because the truth is, the stage isn’t yours.

It belongs to the people who’ve given you their time.

What’s your #1 tip for serving your audience when you speak? 
Drop it in the comments! I’d love to learn from you too 🤝

P.s. ✍🏻 I am Benjamin Loh, CSP, a strategic growth coach and consultant who has taught over 65,000 leaders in over 20 global cities and constructed some of the leading icons (TOT, Award Winners) in the financial industry in Asia through the power of authentic storytelling and authority building.

💪 Follow me for personal brand and growth insights.

#publicspeaking #leadership #growthmindset #professionaldevelopment #financialadvisors

What if your life became someone else’s guidebook?

Would you be proud of the example you’re setting?

Not just the wins.
Not just the career milestones or the accolades.

→ I’m talking about the late nights spent worrying about work.
→ The moments you snapped at loved ones because you were too tired.
→ The hours spent scrolling instead of being present.
→ The health checkups you kept postponing.

It’s uncomfortable to think about, isn’t it?

But someone is always watching.

For me, it’s my son, Davey.

And that thought keeps me grounded.

Growing up, my dad worked hard, like many Asian fathers.

He sacrificed so much for us.

But beyond his job titles, I didn’t know much about him.

The stories of his life. 
The lessons he learned. 
The values he held.

Now, as a father, I want to do better.

I want Davey to know who I am.
Not just the wins, but the struggles.
Not just the lessons, but the mistakes.

Because kids don’t just listen to what you say.

They watch how you live.

→ Every choice you make.
→ Every habit you keep.
→ Every boundary you set or don’t.

The way you live today becomes the guidebook for how they’ll live tomorrow.

So, ask yourself:
👉🏻 Are you living a life you’d want someone else to follow?

#legacy #authenticity #storytelling

Still think a degree is your golden ticket to success?

Let me tell you, it’s not.

I started my coaching career at 24. 

👉🏻 No fancy MBA. 
👉🏻 No prestigious certifications.
👉🏻 No corporate safety net.

Yet, I’ve worked with senior leaders from Fortune 100-500 companies, 
governments, and life insurance leaders across Asia.

Not once... 

Yes, not once has a client asked me about my degree.

But I still hear aspiring coaches and trainers ask:
→ “What qualification will make me credible?”
→ “Will clients trust me without certifications?”
→ “Which government program can help me get started?”

Here’s the hard truth: 
💡 In today’s economy, your degree is just a piece of paper.

What really sets you apart?

✅ Create Meaningful Attention
→ Stop chasing likes. Start connecting with your ideal audience.

✅ Master Business-Relevant Skills
→ I’ve built a 7-figure business teaching skills that don’t rely on paid ads.

✅ Deliver Real Results
→ Help clients achieve their dreams, whether it’s publishing a book, winning awards, or growing their influence.

✅ Adopt a Creator’s Mindset
→ A side hustle or creative project can teach you more than an MBA ever will.

✅ Leverage the Creator Economy
→ People are paying for coaching in everything from getting into Ivy Leagues to building YouTube channels.

✅ Use Tools to Scale
→ Platforms like Canva and ChatGPT can amplify your reach without breaking the bank.

✅ Communicate Value Clearly
→ Whether it’s selling Notion templates or mental health routines, your ability to solve problems will always win.

Don’t get me wrong, formal education still has its place.

But in this fast-changing economy, skills, creativity, and results will always outshine credentials.

So, how are you adapting to the new economy? 

P.s. ✍🏻 I am Benjamin Loh, CSP, a strategic growth coach and consultant who has taught over 65,000 leaders in over 20 global cities and constructed some of the leading icons (TOT, Award Winners) in the financial industry in Asia through the power of authentic storytelling and authority building.

💪 Follow me for personal brand and growth insights.

#personalbranding #coachinglife #financialadvisors #businessmentorship

I built a 7-figure coaching and consulting business on LinkedIn.

No corporate experience and zero connections.

My secret?

→ I stopped building a following.
→ I started building a brand.

Here's what most people get wrong:
👉🏻 Building a following means giving value consistently.

→ Educational content. 
→ Viral stories. 
→ Unique insights.

💡 Value drives followers.

But building a personal brand?
👉🏻 That's about showing multiple dimensions of who you are.

→ Sometimes I teach (like this post)
→ Sometimes I share a random thought from a keynote
→ Sometimes I post about being a dad, an introvert, or my journey from bullied kid to CSP 
→ Sometimes I just reflect on what I learned from failure

Your brand isn't one thing.

It's the collection of everything that makes you YOU.

I learned this the hard way.

Back in 2014, I quit my sales job to become a full-time speaker.

Earned ~$60k annually. Took side gigs, writing, hosting, translation, just to survive.

I thought every post needed to be polished. 

Professional and perfect.

But then I realized, 

💡 I'm the brand.

My poor GPA. 
My introversion. 
My struggles.

The messy, human parts? 

That's what people remember.

So, don't be afraid to diversify 💪🏻

✅ Post that random thought.
✅ Share your behind-the-scenes struggle.
✅ Show the world you're human too.

Because influence isn't built on perfection.

It's built on authenticity.

Now, are you building a following that forgets you in a week,
or a brand that's unmistakably you?

P.s. ✍🏻 I am Benjamin Loh, CSP, a strategic growth coach and consultant who has taught over 65,000 leaders in over 20 global cities and constructed some of the leading icons (TOT, Award Winners) in the financial industry in Asia through the power of authentic storytelling and authority building.

💪 Follow me for personal brand and growth insights.

#personalbranding #financialadvisors #professionalgrowth #business

Let's talk about the fear.

The fear of creating your personal brand.


"What if people judge me?" 
"What if I sound stupid?" 
"What if nobody cares?"

That fear? 
It's real.

And it's why most professionals stay invisible.

Here's what I've learned after teaching 65,000+ leaders:

The professionals who succeed aren't fearless.

They're fearful.
But they post anyway.

They worry about judgment.
But they share anyway.

They doubt their expertise.
But they help people anyway.

Let me address the fears directly:

"What if people judge me?" 
→ They will. But most people are too focused on their own fears to notice yours.

"What if I'm not expert enough?" 
→ You don't need to be the #1 expert. You just need to be one step ahead of someone who needs your help.

"What if I fail publicly?" 
→ I did. Including a Mandarin presentation in Macau that bombed so badly I wanted to quit. I'm still here.

"What if my competitors see this?"
→ Good. Let them watch you build influence while they stay silent.

Here's what I wish someone told me earlier:
💡 The cost of invisibility is higher than the cost of imperfection.

Every day you wait is another day someone else solves the problem you could've solved.
Every post you don't publish is a connection you'll never make.
Every story you don't share is trust you'll never build.

The fear you're feeling right now?

It's not a stop sign.
It's proof you're about to do something meaningful.
Because if it didn't matter, you wouldn't be scared.

So here's my challenge to you:
👉🏻 Post ONE thing this week that scares you.

Not a perfect post. Not a viral post.
Just an honest one.

Then tag me. 
I'll be your first engagement point! 🤝

Because the world doesn't need another perfect expert.
It needs your imperfect perspective.

So, what's the fear holding you back? Drop it below and let's face it together 👇

P.s. ✍🏻 I am Benjamin Loh, CSP, a strategic growth coach and consultant who has taught over 65,000 leaders in over 20 global cities and constructed some of the leading icons (TOT, Award Winners) in the financial industry in Asia through the power of authentic storytelling and authority building.

💪 Follow me for personal brand and growth insights.

#personalbranding #financialadvisors #careergrowth #business

Your LinkedIn presence won't grow from one viral moment.

It grows from what you do when nobody's watching.


Everyone's chasing the algorithm.

The perfect hook. 
The trending topic.
The post that "finally breaks through."

But here's what I learned after building a $4M brand:
❌ Visibility isn't the bottleneck.
✅ Consistency is.

If you can't post once a week, you won't post daily.
If you can't share one story, you won't share a hundred.
If you can't engage with 5 comments, you won't suddenly engage with 500.

Back in 2014, I had ~2,000+ followers.

No fancy credentials.
No viral posts.
No "breakthrough moment."

Just me, showing up.

One story at a time.
One conversation at a time.
One post at a time.

Some weeks, crickets.
Some months, doubt.
But I kept going.

By 2017, I crossed six figures in revenue.
By 2024, I'd built a $4M brand and taught 65,000+ leaders.

Not because I went viral.
Because I stayed consistent.

The math doesn't lie:
→ 1 post per week = 52 touchpoints per year
→ 52 touchpoints = 52 chances to be remembered
→ 52 chances = relationships that compound into opportunities

But only if you stay in the game long enough.

Influence isn't built in explosive moments.
It's built in the boring, unsexy work nobody sees.

The posts you publish when engagement is low.
The comments you leave when no one's watching.
The stories you share even when you feel like giving up.

That's where brands are made.

So If you've ever found yourself thinking "I just need that one post to hit"…

The real question is: What habit are you building today?

P.s. ✍🏻 I am Benjamin Loh, CSP, a strategic growth coach and consultant who has taught over 65,000 leaders in over 20 global cities and constructed some of the leading icons (TOT, Award Winners) in the financial industry in Asia through the power of authentic storytelling and authority building.

💪 Follow me for personal brand and growth insights.

#personalbranding #contentcreation #consistency #growthmindset

Have you ever chased someone else’s version of success?

I did. 

Fancy titles, big paychecks, and shiny apartments...

Until I realized… none of it mattered if I wasn’t fulfilled.

For me, true success isn’t about meeting others’ expectations. 

👉 It’s about aligning with your values

How about you?
What does success mean to you?

P.s. ✍🏻 I am Benjamin Loh, CSP, a strategic growth coach and consultant who has taught over 65,000 leaders in over 20 global cities and constructed some of the leading icons (TOT, Award Winners) in the financial industry in Asia through the power of authentic storytelling and authority building.

💪 Follow me for personal brand and growth insights.

#personalgrowth #successmindset #careerdevelopment #coach #financialadvisor

These days, you’re not just competing for clients. 

You’re competing for attention.

It’s no longer just about having the best product or service. 

It’s about standing out in a world where everyone is scrolling, swiping, and consuming content at lightning speed.

Every day, your audience is flooded with options. 

They’re scrolling, clicking, and deciding who to trust. 

So, when they need someone to solve their problem...

👉🏻 Do they think of you first?

The truth is consideration starts with awareness. 

If people don’t know you exist, they won’t think of you.

And if they don’t think of you, someone else will take that spot.

Personal branding is about more than just looking good online. 

It’s about showing up consistently, creating value, and earning trust. 

When you do this, you claim mental real estate in your audience’s mind ✨

💡So, ask yourself: 
"Are you doing enough to stay visible and top of mind?"

P.s. ✍🏻 I am Benjamin Loh, CSP, a strategic growth coach and consultant who has taught over 65,000 leaders in over 20 global cities and constructed some of the leading icons (TOT, Award Winners) in the financial industry in Asia through the power of authentic storytelling and authority building.

💪 Follow me for personal brand and growth insights.

#attentioneconomy #personalbranding #topofmind #growthmindset #leadership #brandingstrategy #mindshare

Most people get this wrong about social media.

And this mindset could be costing you big time.

A lot of people think social media works like an ATM. 

Post something, and you expect instant results:
👉🏻 Likes, followers, clients, or even money. 

But that’s not how it works.

Social media is more like a savings account 💳

You have to put in the effort first, consistently and intentionally,
before you can expect to see any returns. 

It’s about showing up, adding value, and building trust over time.

The problem?
👉🏻 Most people give up too soon because they don’t see instant results. 

But if you’re willing to play the long game, 
👉🏻 You’ll stand out while others quit.

✅ Show up with intention.
✅ Add value before asking for anything.
✅ Stay consistent, even when it feels slow.

What’s one way you’re investing in your social media presence today?

P.s. ✍🏻 I am Benjamin Loh, CSP, a strategic growth coach and consultant who has taught over 65,000 leaders in over 20 global cities and constructed some of the leading icons (TOT, Award Winners) in the financial industry in Asia through the power of authentic storytelling and authority building.

💪 Follow me for personal brand and growth insights.

#socialmediatips #personalbranding #growthmindset #consistencyiskey

An open note to every procurement professional who says:

"We like to request for a discount on your program"


We are knees deep on booking in work for H1 2026.

A call came in. 

She identified herself as part of the procurement department of our newly-onboarded MNC client.

We had gotten the management approval and go-ahead for our proposal and quotation.

So I was puzzled. 

(Procurement) Client: Can we request for a discount on your program? 

Me: Oh we get that sometimes. But why are you asking for a discount now?

Client: We do that all the time. By the way, your pricing is a little high. Can we request you discount it to $xx,xxx? (a cut of 12%) 

 --

I get it.

She's just.. "doing her job". 

There are procurement priorities, SOPs and KPIs. She probably gotten "successes" before.

It makes their department look good because they have generated "cost savings". 

But here are my thoughts:

#1/ "Your pricing is a little high..." - relative to what? 

I'd appreciate if she given me benchmarking or data. 

Or if she requested for discount, to give us reasons or considerations to agree to it. (nope, none of it)

#2/  Does it make sense for your company to tell you to do the same job.. and then pay you 10-15% less, the next month as an employee? 

If not, why does it make sense for small companies to bend over backwards, just because? 

Negotiation is part of the game.

But not when your management has approved in writing. And now you've a staff circling back to "try their luck".

#3/ Procurement and buying relationships are also meaningful touch points and business enablers (or breakers). 

It shows your company's positioning, attitude towards selection of your working partners and fair dealing. 

When you bring in good partners to impact your people and operations for the better... they'll in turn benefit and grow your business. 

And when you don't...?

--

Of course, I didn't budge (nor counter-propose) and kept the conversation short as I was headed to another meeting. 

Have you been on either side of this table? How else have you dealt with this situation?

Do you agree with my thoughts?

#business #principles

What truly makes a financial advisory leader shine? 

My thoughts below 👇🏻

Ever feel that knot in your stomach before hitting "share" button? 

It’s not just fear of judgment, it’s something deeper.

I’ve been there. 

Starting out with no corporate background, no connections, and a mountain of self-doubt.

I was terrified to share my story.

But here’s what I’ve learned after working with thousands of leaders:
👉🏻 The fear isn’t about them.
👉🏻 It’s about you.

Your brain tells you rejection means you won’t belong. 

But the truth?
→ The people who judge harshly are often battling their own insecurities.
→ The right people aren’t judging. They’re relating.

Every time you hold back, you’re not just protecting yourself.
You’re also withholding the story someone else might need to hear.

So, maybe the real question isn’t, 
“What will they think?”

Maybe it’s, 
“Who am I helping by staying silent?”

Your voice matters. 
Your story matters.

Have you ever held back because of fear? Let me know in the comments 👇🏻

P.s. ✍🏻 I am Benjamin Loh, CSP, a strategic growth coach and consultant who has taught over 65,000 leaders in over 20 global cities and constructed some of the leading icons (TOT, Award Winners) in the financial industry in Asia through the power of authentic storytelling and authority building.

💪 Follow me for personal brand and growth insights.

#personalbranding #authenticity #leadership #growthmindset

This reads so real for me.

If you're an Indonesian, you probably can relate deeper!

Top High Net Worth Producer, AIA Singapore 2024–2025 (No. 1 out of 5,800) | Companywide 1st Runner-Up HNW Director 2025

𝗜 𝘄𝗼𝗸𝗲 𝘂𝗽 𝗼𝗻𝗲 𝗱𝗮𝘆, 𝗮𝗻𝗱 𝗺𝘆 𝗰𝗼𝘂𝗻𝘁𝗿𝘆 𝗰𝗼𝗹𝗹𝗮𝗽𝘀𝗲𝗱 𝗼𝘃𝗲𝗿𝗻𝗶𝗴𝗵𝘁.

This moment shook me, always. 

Riots everywhere. 
Burglary in broad daylight. 

This was Medan, Indonesia in 1998. 🇮🇩

Why? What happened?

In late 1997, multiple Southeast Asian currencies crashed during the Asian Financial Crisis.
𝗜𝗻𝗱𝗼𝗻𝗲𝘀𝗶𝗮 𝘄𝗮𝘀 𝗵𝗶𝘁 𝘁𝗵𝗲 𝗵𝗮𝗿𝗱𝗲𝘀𝘁.

Indonesian Rupiah fell from 2,400 per USD to 17,000 per USD within months, 𝗺𝗼𝗿𝗲 𝘁𝗵𝗮𝗻 𝟴𝟬% 𝗱𝗲𝘃𝗮𝗹𝘂𝗮𝘁𝗶𝗼𝗻.

𝗔𝘁 𝗹𝗲𝗮𝘀𝘁 𝟭𝟲 𝗰𝗼𝗺𝗺𝗲𝗿𝗰𝗶𝗮𝗹 𝗯𝗮𝗻𝗸𝘀 𝘄𝗲𝗿𝗲 𝗰𝗹𝗼𝘀𝗲𝗱/𝘁𝗮𝗸𝗲𝗻 𝗼𝘃𝗲𝗿.
The government had no choice but to seek 𝗲𝗺𝗲𝗿𝗴𝗲𝗻𝗰𝘆 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗿𝗲𝘀𝗰𝘂𝗲 𝗳𝗿𝗼𝗺 𝘁𝗵𝗲 𝗜𝗻𝘁𝗲𝗿𝗻𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗠𝗼𝗻𝗲𝘁𝗮𝗿𝘆 𝗙𝘂𝗻𝗱 (𝗜𝗠𝗙).

Panic spread.
Anxiety turned into 𝘀𝗲𝘃𝗲𝗿𝗲 𝗰𝗶𝘃𝗶𝗹 𝘂𝗻𝗿𝗲𝘀𝘁.

Medan was the first city hit.
Rioters targeted Indonesian Chinese communities.

Our housing complex organised 𝗽𝗮𝘁𝗿𝗼𝗹 𝗿𝗼𝘁𝗮𝘁𝗶𝗼𝗻𝘀.
𝗚𝗮𝘁𝗲𝘀 𝗵𝗮𝗹𝗳-𝗼𝗽𝗲𝗻, 𝗽𝗲𝗼𝗽𝗹𝗲 𝗵𝗼𝗹𝗱𝗶𝗻𝗴 𝗸𝗻𝗶𝘃𝗲𝘀 𝗮𝗻𝗱 𝗺𝗮𝗸𝗲𝘀𝗵𝗶𝗳𝘁 𝘄𝗲𝗮𝗽𝗼𝗻𝘀.
Everyone prepared to defend their families until we escaped.

I still remember how chaotic it was at the port, when I took the ferry to Penang, and then to Singapore. 🇸🇬

Til today, it is still a traumatic memory to many affluent Indonesians. 😢

They remembered the currency crash. 
They remembered the bank collapse. 
They remembered the horrors in the street.
They remembered how 𝗵𝗼𝘄 𝗺𝗼𝗻𝗲𝘆 𝗶𝗻 𝘁𝗵𝗲𝗶𝗿 𝗯𝗮𝗻𝗸 𝗮𝗰𝗰𝗼𝘂𝗻𝘁𝘀 𝗱𝗶𝘀𝗮𝗽𝗽𝗲𝗮𝗿𝗲𝗱 𝗼𝘃𝗲𝗿𝗻𝗶𝗴𝗵𝘁.

This is why, the same affluent Indonesians understand the importance of

- Diversifying your assets, especially placing parts of the assets outside of Indonesia
- Choosing a politically stable country
- Hedging against currency volatility

✅Singapore checks all of the above.

One lesson from 1998 that still stands today:
𝗜𝗳 𝘆𝗼𝘂𝗿 𝘄𝗲𝗮𝗹𝘁𝗵 𝗶𝘀𝗻’𝘁 𝗱𝗶𝘃𝗲𝗿𝘀𝗶𝗳𝗶𝗲𝗱… 𝘆𝗼𝘂’𝗿𝗲 𝗯𝗮𝘀𝗶𝗰𝗮𝗹𝗹𝘆 𝘄𝗮𝗹𝗸𝗶𝗻𝗴 𝗮𝗿𝗼𝘂𝗻𝗱 𝘄𝗶𝘁𝗵𝗼𝘂𝘁 𝗮𝗻 𝘂𝗺𝗯𝗿𝗲𝗹𝗹𝗮 𝗶𝗻 𝗿𝗮𝗶𝗻𝘆 𝘀𝗲𝗮𝘀𝗼𝗻.

The 1998 crisis wasn’t just an economic event.
It was trauma.
It was survival.
It was a lesson that still lives in every conversation I have with clients aged 40 and above.

And maybe, just maybe, someone reading this today lived through it too.

So let me ask you a real question that history never forgets:
𝗜𝗳 𝘆𝗼𝘂𝗿 𝗲𝗻𝘁𝗶𝗿𝗲 𝗰𝗼𝘂𝗻𝘁𝗿𝘆 𝗰𝗼𝗹𝗹𝗮𝗽𝘀𝗲𝗱 𝘁𝗼𝗺𝗼𝗿𝗿𝗼𝘄, 𝘄𝗵𝗲𝗿𝗲 𝘄𝗼𝘂𝗹𝗱 𝘆𝗼𝘂𝗿 𝘀𝗮𝗳𝗲𝘁𝘆 𝗻𝗲𝘁 𝗯𝗲?

👇 Share your thoughts. I would love to hear your perspective.

If you are a fellow Indonesian, does my post speak to you?

#AsianFinancialCrisis #1997 #1998 #IMF #Liquidation #BankCollapse #WealthDiversification #Sujano

Why Indonesians Trust Singapore Today

When it comes to money matters, it’s no bro jokes. 😮‍💨

The 3 most dangerous words when it comes to investment: 

"Trust me, bro"

If you’re thinking of doing business with a 𝗰𝗹𝗼𝘀𝗲 𝗳𝗿𝗶𝗲𝗻𝗱 𝗼𝗿 𝘀𝗶𝗯𝗹𝗶𝗻𝗴…
read this before you 𝘁𝗿𝗮𝗻𝘀𝗳𝗲𝗿 a single dollar.

Because I was a CASUALTY. 
I learnt the hard way and 𝗺𝘆 𝗽𝗿𝗶𝗰𝗲 𝘁𝗮𝗴 𝘄𝗮𝘀 $𝟯𝟬𝟬,𝟬𝟬𝟬.

Years ago, I went into a business with someone I 𝘁𝗿𝘂𝘀𝘁𝗲𝗱 𝗰𝗼𝗺𝗽𝗹𝗲𝘁𝗲𝗹𝘆,
and I believed he would never cross the line.

But when I started asking for financial accounts… 𝘁𝗵𝗶𝗻𝗴𝘀 𝗾𝘂𝗶𝗰𝗸𝗹𝘆 𝗳𝗲𝗹𝘁 𝗼𝗳𝗳.

“Corporate account still cannot be opened.”

“The bank is delaying.”

“Give me a bit more time.”
“I’ll send the statements soon.”

Weeks became months.
Excuses became stories.
Until after relentless questioning, the truth is finally out:

𝗧𝗵𝗲 𝗺𝗼𝗻𝗲𝘆 𝗻𝗲𝘃𝗲𝗿 𝘄𝗲𝗻𝘁 𝗶𝗻𝘁𝗼 𝘁𝗵𝗲 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀.

More than half of it went straight into his personal pocket and 𝗜 𝗲𝗻𝗱𝗲𝗱 𝘂𝗽 𝗹𝗼𝘀𝗶𝗻𝗴 𝗺𝘆 𝗲𝗻𝘁𝗶𝗿𝗲 𝗰𝗮𝗽𝗶𝘁𝗮𝗹, $𝟯𝟬𝟬,𝟬𝟬𝟬 to be exact.

And the relationship?
Gone.
Crushed by the weight of money, secrecy, and betrayal.

That money was the PRICE I paid to learn this expensive truth:

Money doesn’t just change people.
𝗠𝗼𝗻𝗲𝘆 𝗿𝗲𝘃𝗲𝗮𝗹𝘀 𝘄𝗵𝗼 𝘁𝗵𝗲𝘆 𝗿𝗲𝗮𝗹𝗹𝘆 𝗮𝗿𝗲.

So here’s my take on this Reddit case and what you need to keep in mind:

1️⃣  𝗡𝗲𝘃𝗲𝗿 𝗷𝗼𝗶𝗻 𝗮 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝘄𝗶𝘁𝗵 𝘇𝗲𝗿𝗼 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝘃𝗶𝘀𝗶𝗯𝗶𝗹𝗶𝘁𝘆.
You don’t need to run operations, but you 𝗺𝘂𝘀𝘁 𝗵𝗮𝘃𝗲 𝗮𝗰𝗰𝗲𝘀𝘀 to bank accounts, payments, and real numbers.

If you’re shut out from the finances, you’re not a partner but a scam target.

2️⃣𝗕𝗲 𝗲𝘅𝘁𝗿𝗲𝗺𝗲𝗹𝘆 𝗰𝗮𝗿𝗲𝗳𝘂𝗹 𝗱𝗼𝗶𝗻𝗴 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝘄𝗶𝘁𝗵 𝗰𝗹𝗼𝘀𝗲 𝗳𝗿𝗶𝗲𝗻𝗱𝘀… 𝗲𝘃𝗲𝗻 𝘆𝗼𝘂𝗿 𝗼𝘄𝗻 𝘀𝗶𝗯𝗹𝗶𝗻𝗴𝘀.
I’ve seen families break, lifelong friendships collapse, and relationships beyond repair. 

All because of money matters.

Affection doesn’t protect you from financial loss.

3️⃣𝗖𝗵𝗼𝗼𝘀𝗲 𝗿𝗲𝗴𝘂𝗹𝗮𝘁𝗲𝗱, 𝗽𝗿𝗼𝗳𝗲𝘀𝘀𝗶𝗼𝗻𝗮𝗹𝗹𝘆 𝗺𝗮𝗻𝗮𝗴𝗲𝗱 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁𝘀.
It’s where oversight is clear and accountability is built-in.

4️⃣𝗔𝗻𝗱 𝘁𝗵𝗲 𝗼𝗹𝗱𝗲𝘀𝘁 𝗿𝘂𝗹𝗲 𝗻𝗲𝘃𝗲𝗿 𝗳𝗮𝗶𝗹𝘀:
If something looks too good, too easy, too smooth… slow down. Ask harder questions.

Protect your money before you need to protect your relationships.

If someone reading this is about to invest with a friend, or feeling unease about a “too good to question” partnership🚩… slow down.

Take this as your reminder:
✅check everything, 
✅question everything, and 
✅don’t gamble with trust.

Your future self and your relationships will thank you.

Now, what’s the most expensive lesson “trust” has ever taught you? 
Drop your comments below 👇

#Trust #Business #Money #SJGroupAdvisors #Sujano

Want to stand out as a financial advisor? 

Here’s what works 👇🏻

Most people think success in the financial industry is about numbers. 

But in today’s competitive world, 
👉🏻 It’s not just about being good at what you do.
👉🏻 It’s about being seen and trusted. 

If you want to:
→ Attract more clients
→ Grow your influence
→ Qualify for MDRT (Million Dollar Round Table)

You need to focus on two key things: 

✅ Consistent activity
✅ Creating content that connects.

Here’s the formula:
1️⃣ Meet more people.
2️⃣ Keep your pipeline active.
3️⃣ Build trust by showing up online with valuable content.

Remember, people buy from those they Know, Like, and Trust (KLT). 

The more people know you, the more they’ll trust you.

💡 What’s one way you’ll show up today to get noticed?

P.s. ✍🏻 I am Benjamin Loh, CSP, a strategic growth coach and consultant who has taught over 65,000 leaders in over 20 global cities and constructed some of the leading icons (TOT, Award Winners) in the financial industry in Asia through the power of authentic storytelling and authority building.

💪 Follow me for personal brand and growth insights.

#personalbranding #financialadvisors #growthmindset #mdrt

taplio

The Battle

Jaslyn Ng Asia Insurance Agent of the Year Ex-HR Global Leader, Top of the Table Qualifier

Benjamin Loh, CSP

Followers

Posts

Engagements

Likes

Performance ScoreJaslyn Ng Asia Insurance Agent of the Year Ex-HR Global Leader, Top of the Table Qualifier's LinkedIn Performance

Performance ScoreBenjamin Loh, CSP's LinkedIn Performance

Ready to grow your LinkedIn presence?

taplio

The Battle

Jaslyn Ng Asia Insurance Agent of the Year Ex-HR Global Leader, Top of the Table Qualifier

Benjamin Loh, CSP

Followers

Posts

Engagements

Likes

Performance Score.css-goub6s{font-size:var(--chakra-fontSizes-md);font-weight:500;color:var(--chakra-colors-gray-600);display:block;margin-top:var(--chakra-space-1);}Jaslyn Ng Asia Insurance Agent of the Year Ex-HR Global Leader, Top of the Table Qualifier's LinkedIn Performance

Performance ScoreBenjamin Loh, CSP's LinkedIn Performance

Ready to grow your LinkedIn presence?

Performance ScoreJaslyn Ng Asia Insurance Agent of the Year Ex-HR Global Leader, Top of the Table Qualifier's LinkedIn Performance