Andrew is my agent for my life insurance policy. He has been extremely courteous and helpful in his service. I find him a good agent and friend to have.

Associate Professor Robert Lian, NTU

I have known Andrew since he was a student in my class when I was teaching at the Singapore Polytechnic and have seen him developed from a hardworking, polite student leader to a very helpful, focused and professional Financial Planner today. In my current job at a MNC where I hardly have time to sit down meaningful with any financial planner to work out my details, Andrew has been most patient and always goes the extra mile to help me sort out my financial planning. I have grown to accept that he does not do that for me just because of our relationship and friendship that goes many years back but attribute his excellent service to his perseverance and professional drive – the same qualities that earned him his first class honours degree from a reputable UK university. Keep it up, Andrew!

Maj (NS) Goh Eng Koon, Senior Vice President, Savi Technology Asia Pte Ltd

I have known Andrew as a personal friend for about 10 years. Since we were in the Midshipman school (Naval Officer Cadet training school), he has been honest, upright and an officer full of integrity. Due to these important qualities, I choose him to be my only financial planner. He is able to plan for me on saving, insurance, retirement, income taxes and estate issues. So far, he is the best financial planner I have ever met.

Also, I have benefited from his consistent services, up-to-date email reports, quarterly newsletter and quarterly reviews. I can see that he has a lot of passion on financial planning and he is able to explain to me on all the information I wasn't sure especially when there are changes in the investment market, government policies and changes in the financial market. My assets in both my investment and retirement have grown only to my advantage. I am confident that he will be able to provide high standard of services beyond my expectations. I really hope that more people will benefit from his excellent follow-up services, expert knowledge and extra-ordinary attitude.

I have invested some of my savings with him since 2001and the performance of my investment has been excellent thus far. To date, for example my CPF investment has yielded a return in excess of $80,000 equivalent to about 20% per annum. We have met up more than 20 times over the last 4 years. Thank you for conscientiously meeting me every 2 to 3 months to update on the performance of my investment and financial plans. Every time we meet, you not only update my investment profit but always help me to re-balance my investment portfolio.

Major Ng Ching Ching, SAF

Andrew is very professional in his work and had provided very valuable advices for my financial planning. He is always ready to help and go the extra mile to fully understand my financial situation before providing the most appropriate solution. He is definitely more than just a financial planner. He is a good friend as well.

Mr. Glenn Goh, Asst Manager MCYS

I personally know Andrew or Choon Her (his direct name) since young. Both of us came from farmers’ background and have gone through lot of hardship. Andrew is a honest and sincere person. We started the financial planning relationship only for 2 years. He have help me grow both my money and CPF saving by a big amount. I trusted him and value our relationship. If the clock can turn back, I will still choose him to be my financial planner without regret.

Ms. Neo Li Ching, Manager, Mcdonald’s

Andrew was introduced to me by a friend in early 2004, a client of Andrew. Through my numerous interactions with Andrew, as a financial advisor and friend, Andrew comes across as a modest, sincere, honest friend who is always responsive to my needs with respect to insurance, investment tools and even business-related matters. As a financial advisor, Andrew never fails to act in a professional manner, offering sound and practical advice, grounded with comprehensive analysis. Andrew is passionate about his profession, illustrated by the innovative ways of keeping clients posted on latest financial news, via emails, regular newsletters, investment talks and others. What is most remarkable about Andrew as a financial Advisor is the fact that he does not push products to clients; it is evident that he has been acting in the interests of his clients, on top of his own interest. This has won him the respect and trust of his clients. I have absolute confidence in having Andrew handle my insurance and investment portfolio to the best of his professionalism. I am also glad to have Andrew as a trustworthy friend.

TAY MENG HUAT, Director, Republic Polytechnic

I have known Andrew since June 2002 as a colleague in Keppel Insurance Private Limited. He came across as a sincere guy who is truly passionate about his profession – Financial Planning. This is clearly evident from the way he plans and manages his own financial plan. As everyone’s needs and wants are different, he will analyse each case and plan for them as if he would have plan for himself. As a former colleague and now his client, his advice for me is always candid and realistic. I have come across many financial planners yet Andrew is the only one I know so far who regularly keeps me up to date with the changes in the financial and insurance industry. To date I have recommended a couple of friends to him and they have positive feedback on his attitude and professional image. It is very important to me who I recommend for financial planning especially where money is concern and Andrew has never failed me in this aspect.

As a client, besides the regular financial reviews, I am appreciative that he often organizes seminars such as “My perfect diet” and “VLFP Investment” to value add his clients’ knowledge. Andrew is also someone who truly believes in keeping regular contacts with his clients. With benefits such as “once a year movie treat”, I am kept abreast of his presence and a chance for me to relate to some of his other clients too.To me personally, financial products are tools to achieve my financial needs. But, without a good financial planner, I will never be able to know what products I need and the way to achieve my financial goals. I have 100% trust that Andrew is able to assist me in this aspect.

Kimberly Lim Kim Kee, AIA

Andrew has been my financial planner for barely a year. During this short period, I can see that he has great passion for his job as a financial planner. He will go thru great lengths to explain his financial products and all the information regarding changes in the financial market clearly to me and make sure that I fully understand what I am buying. Despite of his busy schedule, he never fails to provide excellent after sales services like provides regular email updates about my current investments, recommend funds for me to switch after he has done his “homework” and do a financial review annually. I am assured that my future investments will continue to do well. I can definitely depend on Andrew to advice me on anything that I need regarding financial planning. In short, he is a financial planner that provides professional service with a personal touch. Hereby I would like to thanks Andrew for conscientiously meeting me up to update on the performance of my current investment plans.

Karen Koh, Ciba Specialty Chemicals

The bottom line is that if you want a dependable, trusting & hardworking financial planner, and bring in high returns on your investment as well, then Andrew is the man! I have known Andrew for years since we worked in the semiconductor distributor company. Back then, he has already proven himself to be an excellent worker by clinching the Best FAE award. Even till today, I have seen him winning awards after awards & earned himself many incentive trips from THE COMPANY.

Now I am proud to refer clients to him whenever they need a good financial adviser/planner. In fact, my wife is one of them. Our CPF monies has been invested & well taken care by Andrew, which has been yielding good returns. Our investment/insurance portfolio are reviewed quarterly with Andrew. He is able to meet our ever changing needs & giving prudent advices when required. I am glad that I am able to leave my financial & retirement planning to Andrew, without having to worry too much.

Clement Wang, Linear Technology

I started my investment with $5,000.00 capital on 1st May 2002 with Andrew. It has been 4 years since I started. The $5,000 capital had given me about 50% profit over the last 4 years. Throughout, I had done a few top-up to a total capital of about $70,000.00 by 2005. I've frequently leverage on the “unlimited free fund switches” benefit that THE COMPANY provides. THE COMPANY is probably the only insurer that offers such a great benefit. For example, I bought both THE COMPANY China and THE COMPANY India fund on 19th Jun 2004 and these 2 funds have made handsome profits over a relative short period of time. On 13th Jan 2005, I switch into Europe and Japan and return is about 5% to 10% return on 4th May 2006.

On 7th Jun 2005, I injected another $40,000.00 into 2 funds focusing on China as well as Singapore Market, anticipating a very positive sentiment on both China and Singapore stock markets. Indeed, return of China fund had gone up 40% by Mar 2006. I recall buying into THE COMPANY China and THE COMPANY India fund on 19th June 2004, both making a handsome amount of profit over a short period . Subsequently, on 17th June 2005, I injected $40K into 2 funds focusing on the China and Singapore market. True to my anticipation of a very positive sentiment on both markets, the China fund went up 40% by Mar 2006. Due to the, anticipation of an over-price on Global stock market, I switch all my high risk funds into Balanced fund on 4th May 2006. As you probably know, market crash 15th May 2006 and I am really happy with what I have done over the last 4 years.

I must say Andrew is one of my best friends, I have total trust in him where our friendship is concerned. However, when he decides on his career switch and turn to financial planning, there comes my dilemma. I wanted to support him as a friend but trust of friendship is somehow different from trusting the person with your financial investment and insurance policy, any wrong move can be fatal. I gambled with my trust and I must say I have no regrets to date! Andrew, your dedication and sincerity coupled with your professionalism is second to none, I am glad that I've trusted you. Thank you for the good job... Well Done!

Mr Tay Hong Tat, Marketing Manager, Singtel

I started my CPF investment with Andrew on 12th Mar 2003. We have met up for my investment regularly. We meet a few times in a year, during which he updates me on the market outlook and my fund performance. My investment has grown about 22%p.a. since 2003 till Nov 2005. From Nov 2005, it went up another 11% till 19th Jan 2006. The last update I had in the month of May is another 6% and I have just switched funds.

I am glad that he has often taken the trouble to explain complicated financial concepts to me and given me very good advice on financial matters. I appreciate his sense of responsibility and feel secure to know that my investments are in good hands.

In addition, he is an encouraging, thoughtful and caring friend who does not hesitate to offer help when requested. He is the first person that comes to my mind when my friends ask for recommendation.

Ng San San, Ministry of Education

I started Financial Planning rather late. I have 2 children and they are serving N.S. and the other one studying "A" level. I contacted cancer and I have never bought insurance from Andrew. Andrew is a volunteer with Student Care Services(SCS) since year 2000. He has never asked me to buy any insurance plan because he feels that he shouldn't use SCS as a place for business purpose. After some major operations, I can't go back to SCS as I am too weak to do so. I called Andrew last year August and invested $10K with him. I make about a gross return of about 13% and I sold it beginning of May 2006. I also sold off my shares at that period. Within this short period of time, Andrew have diligently follow-up with me and we met a few time for my investment. Thank you Andrew.

Andrew has been my financial advisor since 2003, and I am glad for it for he has been very friendly and helpful. Most importantly, he has a passion for the job to do the best for his clients with his expert knowledge.

Andrew is actually my 3rd advisor, taking over after the earlier 2 left the company. Instead of a cold business association, he treats all clients as friends, even remembering birthdays and family details although he has many clients. Each session is like a chit-chat for old friends. This has made it very easy to discuss financial plans with him. He offers good advice, but never does pressure you to buy something you are not sure of.

To-date, my investments with THE COMPANY have shown growth under his care. He monitors the market and offers regular useful advice on investment portfolio mix to maximize returns. He also offers advice based on individual needs and preferences. For example, he had alerted me on a very good plan for my needs, which I managed to buy before it was phased out. His knowledge also goes beyond THE COMPANY’s policies, to be able to offer comparisons with other products offered in the market.

Andrew is a dedicated agent whom I would recommend.

I have known Andrew for more than 10 years since Poly days. Andrew san honest and hardworking individual whom will seek his very best in whatever he does.

I and my wife are very privileged to entrust our savings and investment plan into the good hands of Andrew, He is very knowledgeable and has up to date information in this area of expertise, Despite our busy schedule, Andrew has been very accommodative and patience in explaining to us on our investment plan on a regular interval. Andrew is always able to tailor made the saving & investment plan that suits our needs.

We have benefited from b s professional and excellent services and will continue to seek him in every investment opportunity that arises. And we would recommend you to engage Andrew as your financial planner as we would be sure that you will benefit tom his excellent and personalized services as well.

Although I had only known Andrew for a very short period of 3 years, he had given me an impression of being an approachable, trustable, knowledgeable and responsible person.

Back then, I was someone who had no knowledge on financial planning and investment. It was Andrew who gave me guidance and advises.

During 2002, I started my CPF investment with Andrew. The funds didn’t started off very well as I was not able to receive immediate advises and switch the funds due to my oversea commitments. But after I am back from Australia, Andrew met up with me immediately and provided me with good advises on the new funds. Now these funds are making money for me and I even gain back my losses. Other than giving well advises, he will also gives updates on my funds.

Andrew never fails to provide me with regular updates on all kind of financial news. I can really trust him to manage my investments and will always look for him when I had problems regarding financial planning.

Andrew has handled my insurance needs for more than 3 years. With all the problems and complexities in the insurance business, it has been a relief not to worry about whether I have enough insurance coverage or whether I am wasting money on coverage that I do not need. Whenever I call with a question or a request, I am always attended to promptly with a personal reply from someone who knows my needs and my name. His vast knowledge of the financial services is certainly most useful in addressing my loads of queries. I truly appreciate Andrew's continually friendly service. His honesty and loyalty shown to me through the years has helped to create not only a good business relationship, but also a great friendship that only comes from someone always being there for you.

I started my CPF investment with Andrew on 12th Mar 2003. We have met up for my investment regularly. We meet a few times in a year, during which he updates me on the market outlook and my fund performance. My investment has grown about 22%p.a. since 2003 till Nov 2005. From Nov 2005, it went up another 11% till 19th Jan 2006. The last update I had in the month of May is another 6% and I have just switched funds.

I am glad that he has often taken the trouble to explain complicated financial concepts to me and given me very good advice on financial matters. I appreciate his sense of responsibility and feel secure to know that my investments are in good hands.

In addition, he is an encouraging, thoughtful and caring friend who does not hesitate to offer help when requested. He is the first person that comes to my mind when my friends ask for recommendation.

I started my investment with Andrew with an initial capital of $10,000 on Oct 2002. It has been about 3 and half years since I started. I have earned a profit of about 30 % over this period of time. Utilizing the unlimited free fund switches service provided by THE COMPANY, I had made quite a few switches throughout the years. Under the advices by Andrew, these switches enabled me to earn more profit.

The funds which I invested initially were KMF, KGL, GCF, GMA, KLB and KBF. I tried to diversify my investment to make my return more stable. These funds reap me about 6% profit for a period of one year. After that, I was advised to switch my funds to other better performance funds. I switched them into GCF, THE COMPANY India Growth Fund and Premium Asia Growth Fund. I earned about 10% in a year. Lastly, I switched my funds into THE COMPANY China Growth Fund, GDF and Premium Balanced Fund. Even though I never inject any additional capital, the initial sum was able to reap me a profit of about 30% over the 3 years.

The timing switches and the constant updates through emails by Andrew made me aware of the market situation and enabled me to make smart decisions. He also makes an effort to meet up with me at least once a year to explain to me the current economy trend and also the performance of my investments. I have confidence in him in handling my investment. I must say that I had a great working relationship with him. His professionalism and his thoughtfulness towards his clients are the key points that make him stand out. I am pleased with his services and I thank him for doing a good job.

I started my financial planning rather late. I have 2 children and they are serving N.S. and the other one studying "A" level. I contacted cancer and I have never bought insurance from Andrew. Andrew is a volunteer with Student Care Services (SCS) since year 2000. He has never asked me to buy any insurance plan because he feels that he shouldn't use SCS as a place for business purpose. After some major operations, I can't go back to SCS as I am too weak to do so. I called Andrew last year August and invested $10K with him. I make about a gross return of about 13% and I sold it beginning of May 2006. I also sold off my shares at that period. Within this short period of time, Andrew have diligently follow-up with me and we met a few time for my investment. Thank you Andrew.

Andrew has been my financial advisor since 2003, and I am glad for it for he has been very friendly and helpful. Most importantly, he has a passion for the job to do the best for his clients with his expert knowledge.

Andrew is actually my 3rd advisor, taking over after the earlier 2 left the company. Instead of a cold business association, he treats all clients as friends, even remembering birthdays and family details although he has many clients. Each session is like a chit-chat for old friends. This has made it very easy to discuss financial plans with him. He offers good advice, but never does pressure you to buy something you are not sure of.

To-date, my investments with THE COMPANY have shown growth under his care. He monitors the market and offers regular useful advice on investment portfolio mix to maximize returns. He also offers advice based on individual needs and preferences. For example, he had alerted me on a very good plan for my needs, which I managed to buy before it was phased out. His knowledge also goes beyond THE COMPANY’s policies, to be able to offer comparisons with other products offered in the market.

Andrew is a dedicated agent whom I would recommend.

I have known Andrew for more than 10 years since Poly days. Andrew san honest and hardworking individual whom will seek his very best in whatever he does.

I and my wife are very privileged to entrust our savings and investment plan into the good hands of Andrew, He is very knowledgeable and has up to date information in this area of expertise, Despite our busy schedule, Andrew has been very accommodative and patience in explaining to us on our investment plan on a regular interval.

Andrew is always able to tailor made the saving & investment plan that suits our needs.

We have benefited from b s professional and excellent services and will continue to seek him in every investment opportunity that arises. And we would recommend you to engage Andrew as your financial planner as we would be sure that you will benefit tom his excellent and personalized services as well.

I had only known Andrew for a very short period of 3 years, he had given me an impression of being an approachable, trustable, knowledgeable and responsible person.

Back then, I was someone who had no knowledge on financial planning and investment. It was Andrew who gave me guidance and advises.

During 2002, I started my CPF investment with Andrew. The funds didn’t started off very well as I was not able to receive immediate advises and switch the funds due to my oversea commitments. But after I am back from Australia, Andrew met up with me immediately and provided me with good advises on the new funds. Now these funds are making money for me and I even gain back my losses. Other than giving well advises, he will also gives updates on my funds.

Andrew never fails to provide me with regular updates on all kind of financial news. I can really trust him to manage my investments and will always look for him when I had problems regarding financial planning.

I started my investment around 3 years ago and he was more than a financial advisor since then. My investments are achieving better than average market standards and are still performing. I was also making good use of the good polices laid by THE COMPANY, the unlimited fund switching. All these good achievements would not have been possible without Andrew. He always updates me with the new polices or possible opportunities. I have benefited greatly from his timely updates. My financial knowledge has grown, with his frequent e-newsletter of the current financial events and also his cuttings of the current news.

His dedication and good service is something that will always remain deeply in my mind and also something that I respect him for. He is never hesitant to share or fight for the interests of the clients.

One example is him voicing his opinion of the availble medical policies, that THE COMPANY be allowed sell aviva medical plan, which the manager accepted and now this is also available for him to provide and service his client.

There is so much more that is beyond my words. Let him advise you and you can see for yourself that he is more than a financial planner or advisor or analyst, he will be one of your best friends. Thank you Andrew.

"I was previously under another financial planner who had subsequently left the field. When Andrew first took over, I had my share of doubts as I did not know him personally and I have heard my share of inexperienced or poorly trained financial planners who are only interested in clinching more policies. In addition, I only have one policy to cover minimal risk and few financial planners would be interested in small clients.

Over the time, I found him to be a person committed to his work. He is reliable and offers sound advices. He definitely offers good listening ears too. I am a procrastinator as well as pessimistic person but he has shown a good example of my exact opposite which is very heartening. Although I have not been able to meet up with him more often, I am confident that he would look after my best interests and provide sound investment advices.

Thank you for your efforts"