Carmen Choo
Million Dollar Round Table 2024
For the longest time, I have been passionate about empowering customers to provide the best for their children while ensuring a comfortable retirement for themselves. What I love is to see them achieve financial success and security regardless of their financial background or the market condition.
Prior to becoming a financial consultant, I worked as a technology consultant and a realtor. These experiences made me realised how different financial decisions can impact the privileges one could have - either purchasing a property for legacy planning or not being able to afford one at all.
Because of my background, I have studied and adopted the best wealth strategies to help people in three ways - enhancing assets, reducing liabilities, and unlocking their hidden financial potential.
Wall of Appreciation
I believe that with the right strategies, busy working professionals can stop exchanging time for money sooner, and live a life they truly desire upon retirement
Daniel Choy, Full Time Investor
"Carmen is an amicable, knowledgeable and professional financial advisor/planner who took over my insurance policies from my other agents. She provided and continues to provide comprehensive updates, reviews, sound advices and recommendations for my financial planning. She is conscientious and dependable. I would highly recommend her to whoever requires financial advisory and planning. Thank you very much, Carmen!"
Lena Tan, Senior Civil Servant
“Carmen is an amicable lady whom my children also enjoy interacting with. She is a friendly agent who will customised the policies according to my needs and always responding to my queries promptly. She does not hard sell the policies hence I feel very comfortable communicating with her. Thank you for your effort, Carmen!“
Derrick Chua, Self Employed
"Getting to know Carmen, she has been supportive in my financial planning needs and being resourceful in her field.
Unlike others, she thinks of many creative ways and ideas to achieve my objective.
Overall she is a person whom people can trust and will put in effort to carry out her work."
The following case study is for informational purposes only.
Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs.
Case Study 1: Passive Income Portfolio
Client Profile: Age 35, Working Professional
Challenge
Would like a consistent stream of passive income with capital appreciation to supplement his current income
Solution
Recommended an investment portfolio which provides passive income from the first month and long term growth towards retirement
Case Study 2: $243,900 worth of Cost Savings
Client Profile: Age 28, Female, Business Consultant
Challenge
Unaware of existing policies benefit details bought by parents since young
Solution
Portfolio Modification
1. Increase in coverage, enhanced early stage critical illness and personal accident plan
2. Premium reduction of $4,878 per annum
3. Total lifetime saving of $243,900
Case Study 3: Corporate / Employee Benefits
Client profile: Local Law Firm
Challenge
Company received a high claims ratio resulting in a higher renewal premium
Solution
Our portfolio pricing strategy helps the company to achieve a 15% reduction in costs and allows the HR team to set aside a higher budget for future premium renewals. As the employees can get support outside of office hours, the HR team’s additional workload is almost eliminated