Haoran is an Executive Financial Consultant in the Alpha Private Wealth Advisory (APWA), an authorised group of Financial Advisers Representatives from Alpha Wealth Financial Advisers Pte Ltd.
With nearly 5 years of experience in the financial advisory industry, he constantly improves himself in both academic and practical experience. He is licensed to advise on investment (life insurance, units in Collective Investment Scheme (CIS), and Securities) and insurance products. He was formerly from China and came to Singapore under the scholarship from the Ministry of Education. While today he is a PR in Singapore, he loves both countries and people just as much and continues to shuttle between both countries regularly.
He is experienced in portfolio construction, risk management, and legacy planning for the Chinese families in Singapore and has since helped more than 50 families in managing their financial portfolios. There is a Chinese saying
“富不过三代”
(Wealth never survives 3 generations) and which is why he believes in planning adequately and holistically for his clients. He is a co-author of the Chinese version of “Total Portfolio Advisory”.
Andy always believes in the work-life balance and YOLO (you only live once). In life, he is a traveler and a foodie. Besides that, he shows his passion for life by exercising regularly. He used to be a swimming player for his hall in university. He loves playing bowling, badminton, tennis, and golf as well.
I grow up in a traditional Chinese family full of love and I know “助人为乐” in my childhood. This is a very key reason why I join the financial advisory industry. My first job after graduation is as an Insurance Agent in Prudential, Singapore. Although I had achieved good results including the coveted MDRT during my time there, I felt that I was not able to value-add to my clients in a more comprehensive manner.
The general approach broadly applied in the industry focuses a lot on ascertaining and prioritizing the clients’ needs and immediately zooming into a product allocation. As I had been managing my own personal portfolio for years, I quickly realized that this approach, while it is effective from a sales perspective, is likely to sub-optimize the clients’ portfolios.
As a systematic and data-driven person, I want to bring a full and meaningful journey to my clients and friends, by evaluating, planning, executing, monitoring, and adjusting portfolios. Luckily, I met my mentor, Dexter Koh, who shares his TPA approach selflessly. In APWA, I spend enormous time improving myself by obtaining more certifications like CFP, IBFQ, and MEP1 (Estate Planning). In the team, I am appointed as the annuity & endowment trainer. And I specialize in investment and estate planning. My investment philosophy is “The 80% return of investment is from the proper asset allocation. Having the last laugh is the winner”
Because of my improved knowledge and the long list of products, I am extremely happy that I can add more value to all clients. I still remember back in the first month in APWA, when I met with one of my clients, she commented that she never saw such a well-organized portfolio before and she felt more assured about her future milestones. Like I always say, “Happy clients, Happy advisers.”
If you want to be part of my group of happy clients, please reach me by following the links below.
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