Zhang Ruolin

Financial Services Consultant

My Personal Story

My mum has always been a heroine to me.

She came to Singapore when I was a baby, in hopes of earning sufficient money for her family back in China.

It has not been easy. She was in a foreign country with neither friends nor relatives. After years of work, she brought me over for the well-known education system.

Life was comfortable and seemed to get better. We were looking forward to our own home that she had been paying for. We lived more luxuriously as she enjoyed the fruits of her labour.

Like many of my peers, I have never wanted to be bothered by finances and I was fortunate enough to stay ignorant for a long time.

But that one day, the strong and independent woman that I knew broke down.

It was the day when her brother told her that he went bankrupt while trying to start a new business. She had lent him almost all her savings at that point of time.

To help him, she had to give up our soon-to-be new home. Furthermore, she took up loans from the banks and borrowed from friends.

With the sudden changes in my family’s financial situation, we moved out from our apartment to a rented room. I started working part time for my allowance and school fees, and that was when I learnt that money cannot be taken for granted.

And it was only then that I realized the importance of financial literacy.

My mum has been working so hard for half of her life, because she believed that it will pay off eventually.

As she pays the bills every month, she tells me that life will be “back to normal” when she eventually clears the loans.

However, without proper guidance, all she had was blind optimism. Despite being in her forties, she is not even sure whether she can afford to start preparing for her retirement.

Why leave your life to uncertainty when you can take control of it?

Life can be unpredictable, but with ample and comprehensive financial plans, we can live without worrying about the what-ifs of life.

This is the reason why I decided to join this industry, so that I can be of help to my mum and let her retire with peace of mind.

In their early 20s, most of my peers have yet to see the importance of financial planning. Therefore, I aspire to be the one who they can trust to guide them through this seemingly daunting journey of financial planning.

Through this, I hope that no one would have to go through the same predicament that my mum and I did.

Testimonials

Read More About What Others Have To Say About Ruolin

My impression of RuoLin is that she is an approachable person who always puts her best foot forward in her endeavours. That’s reason why I approach her first despite having many other consultant friends. True to my word, RuoLin was amazing in advancing my knowledge on issues relating to investment, financial instruments and personal budgeting. Patient and caring, she never once judged me for my lack of financial literacy and always answered my queries in an easy to understand manner. She was refreshingly candid and principled, which really made me trust her expertise and thoughtful advice! To those who require some guidance in your path towards financial independence, I wholeheartedly recommend that you do the same and approach RuoLin!

Lim Jia YingUndergraduate

Zhang Ruolin

Financial Services Consultant

My Personal Story

My mum has always been a heroine to me.

She came to Singapore when I was a baby, in hopes of earning sufficient money for her family back in China.

It has not been easy. She was in a foreign country with neither friends nor relatives. After years of work, she brought me over for the well-known education system.

Life was comfortable and seemed to get better. We were looking forward to our own home that she had been paying for. We lived more luxuriously as she enjoyed the fruits of her labour.

Like many of my peers, I have never wanted to be bothered by finances and I was fortunate enough to stay ignorant for a long time.

But that one day, the strong and independent woman that I knew broke down.

It was the day when her brother told her that he went bankrupt while trying to start a new business. She had lent him almost all her savings at that point of time.

To help him, she had to give up our soon-to-be new home. Furthermore, she took up loans from the banks and borrowed from friends.

With the sudden changes in my family’s financial situation, we moved out from our apartment to a rented room. I started working part time for my allowance and school fees, and that was when I learnt that money cannot be taken for granted.

And it was only then that I realized the importance of financial literacy.

My mum has been working so hard for half of her life, because she believed that it will pay off eventually.

As she pays the bills every month, she tells me that life will be “back to normal” when she eventually clears the loans.

However, without proper guidance, all she had was blind optimism. Despite being in her forties, she is not even sure whether she can afford to start preparing for her retirement.

Why leave your life to uncertainty when you can take control of it?

Life can be unpredictable, but with ample and comprehensive financial plans, we can live without worrying about the what-ifs of life.

This is the reason why I decided to join this industry, so that I can be of help to my mum and let her retire with peace of mind.

In their early 20s, most of my peers have yet to see the importance of financial planning. Therefore, I aspire to be the one who they can trust to guide them through this seemingly daunting journey of financial planning.

Through this, I hope that no one would have to go through the same predicament that my mum and I did.

Testimonials

Read More About What Others Have To Say About Ruolin

My impression of RuoLin is that she is an approachable person who always puts her best foot forward in her endeavours. That’s reason why I approach her first despite having many other consultant friends. True to my word, RuoLin was amazing in advancing my knowledge on issues relating to investment, financial instruments and personal budgeting. Patient and caring, she never once judged me for my lack of financial literacy and always answered my queries in an easy to understand manner. She was refreshingly candid and principled, which really made me trust her expertise and thoughtful advice! To those who require some guidance in your path towards financial independence, I wholeheartedly recommend that you do the same and approach RuoLin!

Lim Jia YingUndergraduate