Zhang Xiao Yan

Financial Services Consultant

My Personal Story

Growing up, I’ve been accustomed to money being a sensitive topic as earning power seems to have a correlation with an individual’s capability.

A common stereotype, however, I believe that avoiding money topics might cause you more harm than you have imagined.

Does it hurt to talk about money?  Yes, only when it hurts your pride.

Like many other families, I grew up in an environment where the topic about money would be sparse and few. As a result, many of us lacked key fundamentals in handling money and if we cannot handle our money, we may become a slave to it.

Financial literacy is the key to being successful.

My parents worked hard and earnestly their whole life to provide for my brother and I, and I could not have asked for more. However, despite their hard work, our family continue to struggle financially.

There were moments where they had to pay for medical treatments that were not too serious and that’s when it dawned on me that we were extremely blessed. An already struggling family trying to make ends meet were able to avoid any major illnesses or accidents.

The logical side of me pondered if this bout of luck would ever last for long. They were entering their retirement years soon and they had no plans laid out. The sheer weight of their retirement care and future medical expenses fell onto my brother and I.

Whose fault would it be? The problem that was neither that my parents were not diligent nor were they incapable, but more of foresight to plan for the future. I truly believed that if they had communicated with any financial consultant at a younger age, things could have worked different.

So, does it still hurt to talk about money, or does it hurt more when you are struggling financially in reality without knowing how to improve the situation?

Learning financial planning may not change your life immediately, but a small step will definitely improve your life in a long run.

I am Xiaoyan, a financial consultant that shares financial knowledge with you and wants to create a positive impact in your life, are you ready to share your story with me?

Testimonials

Read More About What Others Have To Say About Xiao Yan

I have known Xiao Yan for many years. She has been a driven and passionate girl since young.
Despite the lack of financial support from her family, she managed to support herself by doing part- time jobs. Although she was busy with her work, she still puts in a lot of effort into her studies and often scored well in class. I’m very glad that she chose financial consultancy as her career as she is a very outgoing and friendly girl who can communicate with her clients well. She was very patient and understanding during our appointments. She spent a lot of time explaining all the details to me to ensure that I have a full understanding of the policies. After signing the contract, she also kept me updated on the progress of the processing of my contract. She is also very responsive whenever I consult her with issues regarding my policies. -

Xue Fei(NTU Business & Accountancy)

Xiao Yan has always been a very responsible and determined person. I would say that she is
someone with a big heart, I can feel that she genuinely wants to help people through ways that she can, and in this case, she chose financial consultancy. As someone who has been financially independent since a very young age, Xiao Yan thoroughly understands how important it is to be financially secure as that would lay the foundation for many other important things in life later on.
Besides her detailed knowledge regarding the policies, Xiao Yan has also demonstrated great
patience in her explanations. All in all, I really wish that Xiao Yan can help more people with her
financial knowledge.

Bi Qiong(NUS Economics)

As a first-time insurance holder, I was grateful to have Xiao Yan who was able to answer all my
queries at any point of time and was helpful in gathering the necessary documents needed for my reference. She was patient and responsive which made me feel assured. Thank you for the
assistance provided throughout my insurance journey and here’s to supporting one another in the future!

Erma

Zhang Xiao Yan

Financial Services Consultant

My Personal Story

Growing up, I’ve been accustomed to money being a sensitive topic as earning power seems to have a correlation with an individual’s capability.

A common stereotype, however, I believe that avoiding money topics might cause you more harm than you have imagined.

Does it hurt to talk about money?  Yes, only when it hurts your pride.

Like many other families, I grew up in an environment where the topic about money would be sparse and few. As a result, many of us lacked key fundamentals in handling money and if we cannot handle our money, we may become a slave to it.

Financial literacy is the key to being successful.

My parents worked hard and earnestly their whole life to provide for my brother and I, and I could not have asked for more. However, despite their hard work, our family continue to struggle financially.

There were moments where they had to pay for medical treatments that were not too serious and that’s when it dawned on me that we were extremely blessed. An already struggling family trying to make ends meet were able to avoid any major illnesses or accidents.

The logical side of me pondered if this bout of luck would ever last for long. They were entering their retirement years soon and they had no plans laid out. The sheer weight of their retirement care and future medical expenses fell onto my brother and I.

Whose fault would it be? The problem that was neither that my parents were not diligent nor were they incapable, but more of foresight to plan for the future. I truly believed that if they had communicated with any financial consultant at a younger age, things could have worked different.

So, does it still hurt to talk about money, or does it hurt more when you are struggling financially in reality without knowing how to improve the situation?

Learning financial planning may not change your life immediately, but a small step will definitely improve your life in a long run.

I am Xiaoyan, a financial consultant that shares financial knowledge with you and wants to create a positive impact in your life, are you ready to share your story with me?

Testimonials

Read More About What Others Have To Say About Xiao Yan

I have known Xiao Yan for many years. She has been a driven and passionate girl since young.
Despite the lack of financial support from her family, she managed to support herself by doing part- time jobs. Although she was busy with her work, she still puts in a lot of effort into her studies and often scored well in class. I’m very glad that she chose financial consultancy as her career as she is a very outgoing and friendly girl who can communicate with her clients well. She was very patient and understanding during our appointments. She spent a lot of time explaining all the details to me to ensure that I have a full understanding of the policies. After signing the contract, she also kept me updated on the progress of the processing of my contract. She is also very responsive whenever I consult her with issues regarding my policies. -

Xue Fei(NTU Business & Accountancy)

Xiao Yan has always been a very responsible and determined person. I would say that she is
someone with a big heart, I can feel that she genuinely wants to help people through ways that she can, and in this case, she chose financial consultancy. As someone who has been financially independent since a very young age, Xiao Yan thoroughly understands how important it is to be financially secure as that would lay the foundation for many other important things in life later on.
Besides her detailed knowledge regarding the policies, Xiao Yan has also demonstrated great
patience in her explanations. All in all, I really wish that Xiao Yan can help more people with her
financial knowledge.

Bi Qiong(NUS Economics)

As a first-time insurance holder, I was grateful to have Xiao Yan who was able to answer all my
queries at any point of time and was helpful in gathering the necessary documents needed for my reference. She was patient and responsive which made me feel assured. Thank you for the
assistance provided throughout my insurance journey and here’s to supporting one another in the future!

Erma