Melissa Tan

Financial Services Consultant

Contact:melissatan@aia.com.sg

It’s no secret that my parents had a HUGE impact on the person I am today.

In fact, I’d say they were the biggest reason I’m so passionate about personal finance and development.

They motivated me to pursue a higher education and financial independence as a child. I strived for excellence as I didn’t want to worry them given the truckload of matters that they had to deal with.

A major problem surfaced as my family monthly expenses per month was incredibly high as both my parents had many commitments on hand.

They practically had to work for long hours, and it pained me incredibly as every parent loves their child unconditionally and wants provide them with nothing but the very best.

In addition, my parents insisted to pay for my university fees and didn’t want me to take on any loans as they did not want me to be weighed down with thousands of dollars at a tender age.

As such, they worked extremely hard to pay for it on my behalf.

Till this date, my heart remained full. However, it pained me to see them working round the clock and I wanted to put a halt to that.

On hindsight, I attribute that to the lack of financial planning when they were in their teens as my parents were fervent believers that ‘Hard earned money should be spent, not saved.’

After reviewing my policies, I realised that I did not own a savings plan which could quite potentially tide me through university as well as my personal expenses.

Furthermore, during my university stint, I saw some of my fellow graduate friends earning close to 5 figures in a quarter and deep down I knew I wanted to be ‘one of them’.

It was always my lifelong goal to provide for my parents so that they can retire with a peace of mind, not letting monetary matters weigh them down.

When I chanced upon the job opportunity as a financial advisor, I knew that had to be my ticket out.

Deep down, I had many doubts as such committing to the long hours that the job entails whilst juggling my intensive curriculum.

I was caught at a pedestal.

However, life indeed has its ways of working out.

It just so happened that at that moment, I too, had a friend, Reuben, who joined the industry for a good couple of years.

He shared with me about his job, what it has to offer, and it resonated within me. Needless to say, it didn’t take much persuasion for me to make the final call.

My parents were initially worried whether I was able to cope, but their worries were uncalled for when they saw how much happier I am after I officially stepped foot into the team.

Looking back, it was one of the best decisions I have ever made.

I realised that my role as a financial planner isn’t simply telling my clients to invest their money or allocate into different plans.

It’s goes beyond guiding them to achieve their financial goals and dreams through personalised strategies.

I truly aspire to be that person for all my fellow clients in time to come.

The last I would wish for them would be to follow the footsteps of my parents. My parents could’ve well retired earlier if they had betterment of a sound financial knowledge back then.

I am grateful that I bit the bullet and went ahead to take on the role of a financial advisor despite the series of rejections posed by friends and family members as this job has brought an immense sense of joy and fulfilment, knowing that I have impacted the lives of friends and families.

I’ll end it with a quote which says “If not now, then when?”

My name is Melissa and I would love to be the person for you to plan the life that you have always dreamed of.