I didn’t realise how unclear I was about my own financial situation until I met Noel. He helped me organise and understand what I already have, and I now feel much clearer about how well protected I am moving forward.

The whole consultation felt very comfortable and genuine, more like a conversation with a friend that is very competent in finances.

What I value most is that I feel more confident and equipped to make better financial decisions for myself.

I’m really glad to have Noel as my financial consultant. He is very knowledgeable in both insurance and investment and always explains things patiently, which helps me feel more confident about my financial decisions.

Over time, I’ve come to feel very assured leaving my financial portfolio in his hands. He is responsible, attentive, and always follows through.

What stands out the most is that I truly feel he cares about my best interests, not just selling a product. That level of sincerity is rare and very much appreciated.

I’ve known Noel for a while now, and if there’s one thing that stands out, it’s just how real he is. When he talks about investing, he genuinely geeks out on how markets work and how to grow money the right way.

​What I appreciate most is that he’s not someone who tries to turn every dinner or hangout into a business lead. He’s not pushy at all. If you ask for his take, he’ll give it to you straight, and then leave it to you.

He’s the exact same person in a business meeting as he is grabbing a coffee: steady, sincere, and someone you can actually trust.

Working with Noel has been an eye-opening experience for me. What stood out immediately was how thorough and objective he was in reviewing my existing financial setup.

During our discussion, he helped me uncover a significant shortfall in my Critical Illness coverage—something I was completely unaware of despite having plans in place. He didn’t just point out the gap, but clearly explained the risks and guided me through the options in a way that was easy to understand and pressure-free.

In addition, Noel reviewed my existing ILP that was set up by my previous Financial Consultant and identified areas where it could be better optimised. After restructuring it, the portfolio was positioned more effectively, allowing my funds to grow more efficiently while still aligning with my goals.

What I appreciate most is that Noel genuinely prioritises long-term outcomes over quick fixes. I now have much greater clarity and confidence in my protection and investments, knowing they are properly structured and actively working for me. I would highly recommend Noel to anyone who values honest advice and thoughtful financial planning.

I knew Noel when we were colleagues working at a major local bank.
His professional work ethics and attitude displayed during the 4 years we worked together left a great impression on me. Therefore, when he approached me after he transited into full financial advisory, I agreed as I can trust him to do a great job with my financial planning.

I had minimal financial arrangements done prior to this and I just moved into a new phase of life being married and a new homeowner.

He took into considerations of my situation and his priority is clearly in helping the client achieve their financial goals and insurance needs within their means and comfort level. I will highly recommend him to anyone seeking to evaluate and plan their financial goals.

I have known Herh Kai since 2014, he has been a very genuine, responsible and hardworking individual.

My husband and I were looking for life insurance with critical illness, accident and integrated shield plan. Herh Kai was willing to listen to our needs and customise plan coverages that suits our needs.
There is no hard selling but genuine sharing of the reasoning behind each recommendation which we truly appreciate it a lot.

I also like the fact that Herh Kai is supportive and respect our decisions without being judgmental.

Highly recommend him if you are looking for someone sincere and putting your interest as the utmost priority! ☺️

I’ve known Noel for a long time, since our JC days. My impression of him has always been that he’s approachable, reliable, and someone who does things with integrity.

Over the years, I’ve seen Noel’s growth from when he first started working till now. So when he joined the financial industry and offered to do a review for me, I gladly obliged.

The entire review process was very comfortable. Noel took the time to explain the benefits of his planning in a way that helped me make informed decisions. It wasn’t just about selling products — something I’ve unfortunately experienced with a few consultants before — but about truly understanding my needs and goals.

After the review, I decided to do a full financial planning with him and eventually took up the proposal he prepared. I’m confident that I made the right choice.

I’ll be glad to refer Noel to people around me, as I’m sure he’ll bring the same value and sincerity to them as he did to me.