Financial Services Consultant
Financial Services Consultant
"I believe as I do my utmost to take good care of my clients and their loved ones; opportunities will be opened for me to grow my relationships with them and my practice too."
Service with the heart along with sound & prudent advice.
Articles Worth Sharing
Newsletter Issue 67: Better Than Before
As humans, the pursuit of change and progress is something that is innate to every one of us. Like it or not, there will always be things in life that we hope could be a little different, a little better in the way that daily situations & events turn out. It could be in the way we think, speak, or the way we handle everything from our finances to our relationships with others. We seek to become better -- and we should. As we strive to continuously exceed our potential, we rise above all previous versions of ourselves and grow stronger. In this issue, we look at some ways in which we can embrace a better self and an even better future.Read more
Newsletter Issue 66: Self-Doubt & Self-Confidence
In life, there are days and moments where everything we do does not feel enough, or face situations that are beyond our control. A common response to such instances is to doubt ourselves and our abilities, and that is a very normal and human thing to do. But the effect of self-doubt can cut both ways: It can either spur us to achieve our goals and thereby boost our confidence levels, or cause us to feel entirely powerless and paralysed. Fortunately, whether we allow it to work for or against us is mostly up to us. In this issue, we will explore the ways in which we can harness self-doubt to build confidence -- one step at a time.Read more
Newsletter Issue 65: 80 Summers, 80 Winters, 1 Life
Statistically, most people live till an average age of 80 years. Although this number varies across cultures and nations, we cannot deny that life is still all too fleetingly short. 80 years a lifetime translates to 80 summers and 80 winters - to love, laugh, live, and make the most of our time on this earth. Far too often, when faced with our mortality, we look back at our lives and think of all the things that could have been different. Regret may sometimes be inevitable, but it is still possible to live an unlimited life with the limited time that we have. In this issue, we look at some of the ways we can do so.Read more
Newsletter Issue 64: Travelling Again
For the past years, given the pandemic and restrictions, many of us were forced to re-evaluate how to plan and book trips for holidays, or consider whether we should even be planning for any travel at all. Now, as borders are opening up, we have reached a stage where many of us are ready to start traveling again and make vacation plans once more. The catch, though, is that traveling will likely continue to be complicated as new variants emerge. How then do we plan for travel? In this issue, we explore this matter in more depth.Read more
Newsletter Issue 63: Being Positive
Life can be unpredictable with obstacles, making it sometimes difficult to stay afloat. Whether it is the loss of a loved one, stress from work, or financial woes, everyone faces challenges and does at some point, struggle with remaining optimistic or hopeful. Nonetheless, it is still important to maintain positivity to keep us going; by finding the good in the bad, and being the light in the darkness. For this issue, let us explore on what being positive means & how we can harness it in ways that truly benefit our lives.Read more
Newsletter Issue 62: Social Media and Mental Health
As humans, we have an innate need for connection and approval from others. Often, we make an effort to gain validation and this is natural. Yet, in our world today, this need for others’ approval becomes magnified; as many of us are constantly plugged in on social media, we tend to get caught up in the pursuit of “likes”, “shares”, “follows” & engagement. These can have implications on our mental well-being and happiness. Through this issue, I hope that we can be more aware of the impacts & risks associated with excessive use of social media, and what we can do about it so that we can live out our best lives.Read more
Newsletter Issue 61: Being Savvy This Festive Season
It is a season of feasting, socialising and spending time with our family and friends. Amidst the bustle of festive preparations and joviality, let us not forget to take care of our well-being even as we celebrate this time of wealth, health and happiness. Stay safe, savvy and prosper!Read more
Newsletter Issue 60: Looking Towards 2022
By this time, we would have endured quite a long period of the COVID-19 pandemic and many things have changed. Collectively, we have adapted to new ways of living, working and socializing. While there is no telling of when this pandemic will truly “end”, one thing’s for sure: Life goes on. The best we can do is to continue to look towards the future and live out the best we can. As we head into a new year, here are some predictions and trends we can look forward to.Read more
Newsletter Issue 59: 6 Essential Money Moves To Make In Uncertain Times
In times of uncertainty, it’s easy to get overwhelmed. With the COVID-19 outbreak, we are faced with the challenge of adapting life around the virus and navigating intense market volatility. This leaves many of us feeling anxious and even disempowered.Read more
Newsletter Issue 58: Misconceptions that hold us back
Confucius, the Chinese philosopher, left us with these words to contemplate: The man who asks a question is a fool for a minute: the man who does not ask is a fool for life. As the year winds down, it is time to reflect on some popular and widely - accepted beliefs and misconceptions that we may hold that do not serve us in achieving our goals and desires. Today, we look at debunking some of these misconceptions to expand our thinking and explore new perspectives and horizons.Read more
Newsletter Issue 57: One Thing At A Time
In meeting the demands of work and every day life, many of us can feel compelled to do all things at once, and may become overwhelmed or less effective as a result. To counter this, it is worth taking a moment to adjust our pace; to give ourselves the space to practice taking one step at a time in the ways we perform our tasks and how we manage our minds & emotions.Read more
Newsletter Issue 56: Habits & Decisions That Compound
As human beings, we are a culmination of our environment, decisions, behaviours and habits. It is worth giving thought to how we live our lives; taking a step back to reflect on some of our own less-than-ideal tendencies and ponder about how we can mitigate or improve upon them. Here are some resources that I hope can help us foster habits and patterns that can create an upward cycle for ourselves over time.Read more
Newsletter Issue 55: Managing Burnout
In a world where more of us are increasingly working remotely, the issues of exhaustion, burnout and digital fatigue have become more pronounced in recent times. The implications on mental health and quality of life are real. Here are insights and resources that I hope can help us better understand the nature of the burnout that we may experiencing. More importantly, we can learn to manage, uplift ourselves and also the people around us.Read more
Newsletter Issue 54: On Leadership
Leadership is the act of guiding a team or individual to achieve a goal through direction and motivation -- and there is a leader in all of us. This issue contains insightful resources and pointers that touch on the various under-talked about but important aspects of leadership. I hope this inspires us to not just exercise good leadership in our daily lives as individuals and organisations, but more importantly, help us get through and thrive even in difficult times.Read more
Newsletter Issue 53: Productivity, Personal Effectiveness & Meaning
As our personal lives get increasingly intertwined with our work in this season, it becomes more important than ever to find ways to devote our energies to become more effective & productive as individuals. Here, I'd love to share with you on some resources and powerful ideas on how we can not only become more productive, but also make our work & daily life more meaningful in the process.Read more
Newsletter Issue 52: Living A Good Life
What does it mean to lead a good life? The meaning of a good life, or life for that matter, is subjective. But there are some evergreen truths and wisdoms that we can all live by that help us gain the most out of life even through obstacles and challenges. In this issue, I have put together for you a series of insights, tips & advice by some of the best thinkers throughout history on how to live out a good life. I hope these resonate with you.Read more
Newsletter Issue 51: Dignity and Why It Matters
Dignity is the state or quality of being worthy of honour or respect by virtue of being human, and every person has an intrinsic need to feel valued and needed. Yet, in our world, there is often a gap between the ideals and realities of how dignity is accorded to individuals across age, gender, social statuses and financial positions. In this issue, I'd like to bring attention to the topic of dignity, and the ways which we can protect & honour the dignity of others and ourselves.Read more
Newsletter Issue 50: Empowering Women In Our Midst
Women have long played a huge part in our society and economy. When it comes to uplifting women, the work extends beyond just international women's day or month. In fact, it requires continuous effort from not just leaders, but also every day folks like us to recognise and appreciate the great potential of women in our lives. In this issue, I'd like to share insights on how we can be enablers of women's progress while staying aware of the realities and struggles they may face. I hope this helps us in empowering the women and girls in our midst.Read more
Newsletter Issue 49: The Gift of Paying It Forward
When was the last time you received kindness from somebody? When was the last time you extended an act of kindness to someone else, and to what end? As it turns out, there can be tremendous merits and outcomes in paying forward a kindness received with a good deed to somebody else, especially when done out of gratitude. The concept of "Paying It Forward" is nothing new, but in our world, I believe we could do with more compassion and selflessness as it brings out the best in us.Read more
Newsletter Issue 48: Done is Better Than Perfect
As we begin a fresh year, it is a good idea to not just evaluate ourselves based on the previous year on how we have been managing our lives, but also to find out ways to become more productive as we move along. In this issue, I'd like to share with you some powerful ideas on productivity and how we can make the best of our resources, time, energy and capabilities. Let's do this!Read more
Newsletter Issue 47: Of Languages, Love and Possibilities
In the words of Poet Ali in his TED Talk, "Every language we learn is a portal by which we can access another language"; the more we know, the more we can speak. To round off the year, I'd like us to take a moment to learn new concepts, stories and ways of seeking and connecting, which will empower us to adapt to the needs of others & ourselves in the way we relate, love, heal, and see possibilities. I hope this inspires you.Read more
Newsletter Issue 46: Guiding Principles and Tips on Taking Charge of Finances in Our Lives
In a year where many of us are affected and perhaps feel powerless over our incomes amidst a pandemic, it is a good time to take stock of our financial health and confront our feelings about them & the way with deal with them. Whether we are young, middle-aged or senior, here are some important principles & practical tips on money management that we can fall back on which can go a long way into helping us optimise our finances and become financially wiser.Read more
Newsletter Issue 45: On Teaching, Learning & Growth
All of us would have people around us that we learn from in our lives. And people whom we in turn teach and need to be accountable to at some point - as students, working adults or parents. The better we are at relating and leading others into growth, the better we become as individuals. In this issue, I hope we can draw some lessons and wisdom from these materials that can help us cultivate values and cultures that we want in our lives and lift us up.Read more
Newsletter Issue 44: The Ability to Rethink & Reassess Our Minds
As humans, we often like to think we're right, even when we can be wrong at times. Many of us have the unconscious tendency to seek information that support our existing beliefs & disregard or undermine those that do not match ours. But doing so without awareness or questioning can have adverse effects in the way we think, make decisions & live our lives. Today, I'd like to share with you some potential consequences of confirmation bias & what we can do about them.Read more
Newsletter Issue 43 : Staying Grounded in Things that Serve Us
The world as we know it has changed for good on pretty much every level - from our lifestyles, to habits, to incomes and economy. As we navigate our way and find our place in trying times, it is important to stay grounded and keep the faith as we focus on seeing and creating opportunities, solutions & meaning. While there are no quick fixes in times like these, there's still a space for us to find ways to improve and cope better in our lives. I'd like to share them with you in this issue. Let's keep our heads up in choosing to persist in hope & good thoughts, and I believe we will emerge stronger than before.Read more
Newsletter Issue 42 : Moms Never Retire?
As they dedicate their love and lives to their households and make constant sacrifices for their family’s & children’s well-being, mothers never retire. For all these, moms deserve more thoughts besides during Mother’s Day. But should mothers also think about planning their own retirement — financially speaking? In this issue, as we give tributes to all mothers, we would also like to give thoughts to a mother’s financial freedom. Mothers deserve a worry-free retirement as well.Read more
Newsletter Issue 41: This is the 8th Wonder of the world - Einstein
Albert Einstein said, "Compound interest is the eighth wonder of the world. He who understands it earns it. He who doesn't, pays it."Read more
Newsletter Issue 40 : Mastering the Skill of Learning New Skills Fast
Today's phone in our pocket has 100,000 times the power of the computer that landed man on the moon 50 years ago. Our world is evolving at breakneck speed today. The World Economic Forum projected that more new jobs will be created compared to the ones lost. Uncertainty remains about what these new jobs would be. But the time to change our approach to learning new skills has come. The time is now. The 4th Industrial Revolution has begun.Read more
Newsletter Issue 39 : What is hurting Employees and Employers
There are many new things to deal with at this time while we are being isolated from life-as-usual. A new lifestyle, a new future and something that can be quite subtle - a new kind of burnout. It should do us well to be aware about this so we can learn to disengage when we need to. I wish you and your loved ones good health and may you continue to stay safe!Read more
Newsletter Issue 38 : Holding Space in Difficult Times
Amidst a pandemic, the profound impact & discomfort of loss or the prospect of loss is felt almost universally. We may find ourselves and even those we care about feeling anxious & restless, which makes it challenging as we find ways to adjust not just physically, but also mentally & emotionally. At this time, emotional support for one another becomes ever more essential. Here, I'd love to share with you insights that can help us have a deeper understanding on the complex emotions that we may be dealing with, & the ways in which we can provide meaningful social support in our daily interactions through being present & holding space for others.Read more
Newsletter Issue 37 : Covid19 - No turning back from a new future and reality
What the eyes cannot see is bringing countries to their knees as we write. The full impact of Covid19 is still unknown. It has ushered in a new reality for the World. Our lives will never be the same again. And Covid19 won't be the last. While we #fightasone, let's see how we can prepare ourselves and our children for this new future - together. Here are some good reads that I believe can help us rethink this new future and its possibilities. If you find these resources useful, please forward them to those you care about, especially at a time such as this. Cheers!Read more
Newsletter Issue 36 : Make these 6 decisions
Here's wishing you and yours a very fruitful 2020, and the best is yet to come! Another year, and what better way to start it with a collection of thoughts that might turn out to touch your life for the better? I hope you could find something useful and share along with those you care about too. Cheers for a blessed 2020!Read more
Newsletter Issue 35 : When the going gets Rough
When the going gets rough, it can at times be easy to lose sight of what we set out to attain in our lives, be it in our personal endeavours, work or finances. The process of going & pushing through such situations may not be most comfortable, but persevering and talking about how to handle them is necessary. These are perspectives I found useful and inspiring. I hope this gives you hope.Read more
Newsletter Issue 34 : Trust, Relationships and Emotional Security
In many ways, relationships are key to our well-being, as trusting, fulfilling relationships lay the foundation for our emotional health and security. But to work through relationships and trust matters aren't always linear or clean - they can be messy and raw. Here are some articles that I found incredibly valuable that enrich us in our personal and professional lives.Read more
Newsletter Issue 33 : These are simply worth sharing with you
Change is hard. To force change is harder. They usually don't last. Perspectives however, are easier to accept. They change our minds and maybe that's what we need more than change itself. I hope you enjoy these articles.Read more
Newsletter Issue 31 : The Power of Tiny Gains
These are some rather transformative articles that could help you and those you care about. So please be free to share them. I hope you find them beneficial. If you like them, do drop me a note and I'll be very glad to know I've added value and touched someone.Read more
Newsletter Issue 30 : How the World forgot to sleep
The lack of sleep being linked to chronic illnesses like diabetes and heart disease isn't a happy story. Certainly not for those of us who are more conscious about building happiness in life. Please share this newsletter issue with those you care about. We can impact lives together!Read more
Newsletter Issue 29 : Don't leave life without it
The Bucket List - chances are that you may not have made one. It is an interesting journey that we can take together. It's also a lot easier taking a peep at some of the most inspiring bucket lists that we have put together to share with you. Let's start one and live it out!Read more
Newsletter Issue 28 : 8 Ridiculously Good Recipes That Only Take 15 Minutes
Since our taste buds are not working like black and white TVs. We know it's meant for some tasty good food. Yummy! Let's stay healthy, and also up our knowledge about making some nice interesting food. Here are some really good resources curated for you.Read more
Newsletter Issue 27 : Life's most Powerful Lessons
There's a man in Singapore, that every time he concludes a business deal, he would go buy a plant and plant it somewhere. It's a simple way of giving back. He was also able to disengage and be with himself while doing something meaningful, albeit how simple it was. In this issue are some more examples of such life's lesson that we can benefit from. All we need, is to just take some time, slow down and breathe in the fresh air.Read more
Newsletter Issue 26 : 3 Financial Wisdom from a woman with 3B Net Worth
There are just too many things that we know to be good for us, but have not yet become a part of us. Applying wise financial habits may be one of them. Here are some to learn about by seeing them from the eyes of a very successful woman - Oprah Winfrey. Change requires conscious efforts. I hope some of these thoughts will begin to be a blessing in your life. Cheers.Read more
Newsletter Issue 25 : Come 15th May, Singaporeans have One more thing to be proud of
In case you missed the news, besides the big 3 - US, Russia & China, tiny Singapore would be the next to send a human into Space using a helium Stratospheric balloon capable of lifting an SUV. This is a 5 years arduous journey filled with many inspiring stories. A Visionary who saw the possibilities, followed by 150 applicants to be Singapore's first Astronaut, and finally an extraordinary individual to make the trip, laying his life on the line. Yet his project isn't about Space. It's about creating a better mental model for Singaporeans - that with the heart, mind and grit, we can do great things. Enjoy this historic moment.Read more
Newsletter Issue 24: The Interesting secret
Or rather, this issue is about learning the secrets of being interesting. Even calling it a secret is a little too much. In today's world of overwhelming information overload, it's about paying attention to certain things that some people do to make themselves more interesting than others. We can all do better in life with a little dose of this knowledge. So let's dig in!Read more
Newsletter Issue 23: The way we Think
In this issue, I'd like to do something different. All of the highlights are very interesting videos from TED talks about the way we think. The videos are between 15 to 30 minutes, but they are well worth your time I promise. Hope these resources will help create marginal changes in your life every so often. Let's be enlightened together!Read more
Newsletter Issue 22: Why Happiness is linked to Deep Talk
Research seems to point to the fact that those who engages in deeper conversations with others are happier people. This is what I call a happy finding. It levels with what makes us human. We speak, we listen, we feel, we learn, we take and we give. And deeper conversations allow us to lift each other up.Read more
Newsletter Issue 21: Half of the jobs in 2020 are not yet known
In the last issue, we discussed how robots will change our lives in the future. It has become increasingly important for us to keep our minds on the ball, stay sharp and stay progressive. If half the jobs in 2020 are yet to be known to us, how can we prepare ourselves and our children today? To face a fast changing future, we need to first understand it. We need to try and take a peek into this future and start to embrace change.Read more
Newsletter Issue 20: Your Life is About to Change
We have come to a very unique juncture in time, where we are transitioning into the 4th industrial revolution. This is a time where technology as we know it will start to escalate in its rate of change. Our lives and jobs will surely be impacted. But how? It is time to consider this and take stock of where we might stand now and three to five years later.Read more
Newsletter Issue 19: The Indispensable Power of Story
From a parent to a child, between friends and professionally in the workplace - there's something special about the role of story telling. And we've a lot to learn from the world's great story tellers. Some of the best are comedians, public speakers and politicians. But there's more. I hope the following articles will help you get started in this interesting journey of learning and exploration.Read more
Newsletter Issue 18: Retirement dream vs reality
It's been a while since the subject of Retirement was discussed. In this issue's video, it's quite interesting to see how children have different ideas about Retirement. I'm sure all of us have our ideas as well. Yet life can mercilessly erode these dreams. But not if we are really serious about them. So how serious is your retirement dream?Read more
Newsletter Issue 17: Some things don't change
The future seems to come at us at a faster pace than before. It brings along with it many questions. Will automation take over our jobs? What new jobs will be created? And which existing ones will be obsolete? How can we survive? Yet some things don't change. Understanding the things that will change and those that won't can help us carve out a better future.Read more
Newsletter Issue 16: 2 Tips from a 116 year old
Most of us find it hard to change even when we know we need to. If only it's as easy as a walk in the park. But once in a while, a certain change of perspective is all it takes. Hopefully, today can be one of those time for you. We can gain some insights and wisdom from these articles that are worth sharing.Read more
Newsletter Issue 15: The thing about Time management
Do we need to get better at time management? Or do we need to instead think about Time itself? More specifically, what it means to us - with the very limited time that we have. The answer would be different for each of us. But I'm rather certain that taking time to ponder about Time itself can be a fruitful thing to do.Read more
Newsletter Issue 14: What you need to beat Diabetes
The World Health Organization's latest report says diabetes has quadrupled in the past 34 years. It's certainly something that we should care about. Not just for us, but also our loved ones. Here's a starter to help us understand and prevent this disease better.Read more
Newsletter Issue 13: Hipster Hawker Stalls - Yummy!
Health is important, so is a good life and great food! One of the great thing about being in Singapore is that there's always new food places to explore. In this issue, I'd like to bring you to a couple really good yummy places - wrapped up with a hilarious video you don't wanna miss.Read more
Newsletter Issue 12: Oh how beautiful, beautiful, beautiful!
Singapore is growing as a cultural center. But why is Art important? And how can Art, in its many forms make our lives better? Deep within all of us, there's a need for expression and appreciation. There's certainly more for us to explore and learn about Art. Do not miss the video below. Oh how beautiful this is ~ a celebration of art and life!Read more
Newsletter Issue 11: Secrets of the Heart - Uncovered
It is always quite refreshing to discover new things about our health. In this case, Vitamin C is one of those surprises. Do watch the video below till the end ~ it could be a life saver. But please seek your doctor's opinion as well.Read more
Newsletter Issue 10: The result of reading
The more we read, the more we can share. And sharing is caring. Here are a few interesting articles I'd like to share with you in this issue of my newsletter. Remember to pass it along to those whom you care about too.Read more
Newsletter Issue 9: This isn't the bucket list
It isn't the bucket either. One good news is that more people are now surviving cancer. The other good news is that life expectancy has increased from 75 to more than age 80. But hold that thought for a moment - it's only good news if one is financially prepared to survive such a critical challenge.Read more
Newsletter Issue 8: Creativity
We may have thought that creativity is a realm belonging to a selected few. But is it? In this issue, we explore together some interesting stories that may strike a chord of inspiration for you. You can be creative too.Read more
Wall of Trust
Testimonials & Referral Notes
Competent & a Good Listener
Hi Everyone out there,
I have known Wayne for almost 8 years now and I find him to be a competent financial adviser. He is a good listener and an open person to converse with. I would be happy to reccomend Wayne's services to others.
Farhan, Pilot, Qatar Airways
Peace of Mind with Great Service
Never have a chance to sincerely thank you for the service you have been providing to me.
Now let me put it in words....
Knowing you since NS time and now become my Financial Planner, you have always been there for me.
With You being my Financial Planner, it gives me a Peace of Mind.
Two Thumbs up for the GREAT Service you have provided!!!
Alvin Lee, Senior Workshop Executive, Borneo Motors
Hey bro. Thanks a lot for years of sincere & forthcoming services that grew into a trusting relationship. You catered to my inquiries and requirements, yet remain patient to allow me time for each decision making. Stay true to your "service with the heart"!
Chalat, Account Management, Bloomberg
Knowledgeable & Trusted Advisor
Thanks for providing good service to me all these years. You are someone whom I can rely on. Highly recommended advisor!!
Sean Liu, Biopharmaceutical Professional
Wayne have been a great advisor to both my wife and I. He provided us with what our immediate needs. We highly recommend him to anyone that need a financial planning.
Weicheng & Weizhen, Business Development, Pear Comms & Snr Administrator, Shenton Holdings
Meet someone interesting
Hi Everyone out there,
Wayne is a great person with great character. He is very trustworthy and provides excellent service close to a decade. Wayne has made the process of dealing with insurance easy and seamless. This is a process I normally dread but he made it easy. Thanks to that I had my wife, mom and even my newborn baby to have their insurance covered by him. I would really recommend Wayne to any of my friends!
Saufi & Shahidah, Construction Resident Engineer, Pre-school Teacher
A brother for so long
Have known you for more than 10 years and we are more than agent and client and even more than friends. You have served me very well in many aspects in my financial planning with passion and compassion. Thank you for walking with me for so many years with AIA.
Robin and Santi, Snr Fund Administrator, BNY Mellon, Accounts Executive, Dplus 1 F&B Pte Ltd
A Big Thanks
Thank you for helping me in managing my finances and protection needs, even when the products are not from AIA. You have been a great help in managing my portfolio over all these years!
Zhihao, Engineer, Edwards Technologies
Felt at ease with your service
Thank you for being a good worker as I benefited from your good efforts in your work, your efficiency & reliability.
I feel at ease for you to be handling my account. You are always prompt in replying to my queries & proactive to my needs when they arises.
Thank you for always remembering to send me all your well wishes too.
It had been a great experience knowing you.
Kate Tay, Sales & Account Manager, Foreign Forestry & Real estates
An assured advisor to me
You have been fast and efficient in your service, while being knowledgeable and reliable at the same time too. Never felt more assured with an adviser. Wish I could have met you sooner.
Karn, Engineer, Osisoft Asia Pte Ltd
Sincere & Meticulous Advisor
It's been years since I've known you and you are still as meticulous and sincere as the day we met. Even though I've been away and abroad for years, you still find time to catch up with me every now and then. Thank you for your continuous support!
Dan, IT Analyst, BHP Billiton
We have gone along way back. Wayne has been helpful in offering his expertise advice in making me make sound financial decision. A trusted person i can rely on. Thank you for the help all these years.
Meet someone interesting
Met my financial advisor of over 8 years. Fantastic chap, I believe he'll be able to help with your financial planning.
This is not an official AIA web profile. The views and opinions expressed in this publication are those of the author and do not reflect the official policy or position of AIA Singapore Private Limited (Company Registration No. 201106386R) (AIA), any other agency, organisation, employer or company. Assumptions made in the analysis are not reflective of the position of AIA other than the author.