| Dr Eileen Soon, GP I first met Alvin back in 2014 through mutual friends. I had just graduated from university and started work then, and was looking to get some medical insurance for myself that would add on to my current basic Medishield plan, as I was no longer covered under my mum’s company insurance.
When I first met up with Alvin, I was thankful to find that I was able to comfortably share with him my concerns regarding medical coverage, especially since I had only just started work. Alvin assessed my situation, and subsequently gave me a couple of options and recommendations for insurance policies that he felt would benefit me most. I liked that he was very patient in explaining to me in detail about the intricacies of the policies, answered my numerous questions and was never judging when I repeatedly ask things that he had already mentioned prior. He suggested options that were in line with my financial capabilities, and did not just offer options that were the most “premium” or expensive. I never felt like he pushed me into making any decisions, and he was always willing to give me as much time as I needed to consider my options and discuss with my parents. I’ve never had any past experience with other advisers, but this is very unlike some of the others I’ve met in the past who made me feel very rushed and made me feel cornered and compelled to sign up for policies, some of which may not be very relevant to me.
Alvin also sat me down when we initially met, to discuss my long-term financial goals - something that I had not really thought about, but I came to realize that it was an important thing that is commonly missed out in fresh graduates who were often just focused with starting their new job and short-term goals. When my career and income had somewhat stabilized after a few years into starting work, Alvin also recommended me some investments that I could consider looking into, after taking into account my income, monthly expenses, as well as going in line with what my aim and goal was. Being not a very savvy person at these kind of things especially, it was really nice to know that there is someone who is willing to break things down for me, and most importantly, help me monitor the investments and promptly advised me to “jumped ship” if I could, if things weren’t looking good, or if some other investments looked better.
I cannot express how thankful I am to Alvin for recommending me the medical insurance policy. Over the past few years, I’ve developed a number of medical conditions that unfortunately raked up huge hospitalization and surgery bills. One of my surgeries even surmounted to around $100k and without insurance, I would definitely not have been able to afford it. Alvin readily answered my numerous texts and emails regarding my policy details, sometimes at odd hours, after helping me clarify with the provider, so that I did not have to struggle to do it myself. I am grateful that through those difficult times, I did not have to worry about my financial limitations, and just needed to concentrate on recuperating. Alvin regularly texted to check on me, encourage me, and even took time off his busy schedule to visit me when I was hospitalized. He shows initiative and passion with his work, which is very admirable.
I know that Alvin always has my interest at heart, and that I can trust him with setting my long-term financial goals. It is heartening to know that over the years, Alvin has become more of a friend rather than just an adviser to me. I would definitely recommend Alvin as a financial planner to my family and friends, as I personally have immense faith in him, that he can make a big difference in their lives, after experiencing first-hand how he has been helping me in managing the various aspects of my finances, as I cope with my medical issues and progress in my career this past 8 years. | 
