I am incredibly pleased with Daniel’s financial advisory services. When I transitioned from a policy primarily for wealth management to one covering critical illness and hospitalization after obtaining permanent residency, Daniel guided me seamlessly. He took the time to understand my salary, preferences, and needs, presenting well-informed options with clear pros and cons. What sets Daniel apart is his commitment—he went the extra mile, demonstrating his passion for his work.
For me I feel you’re a v trustworthy advisor who specially takes the time to understand my situation & advice the best plan for me! You take the time to explain in detail and willing to repeat a few times when i dont get a single thing LOL HAHAHAHA your v informative sharing enlightened me on the many forms of investments to consider. Very willing to help me plan to reach financial goals which i find is very useful!! and you have a lot of energy for someone who works very hard.
Firstly i feel that you are easy to open up with even though BMT jialat so strict HAHAHAHA jokes aside, I personally feel that you possess very good knowledge on financial planning and is someone I feel confident in planning for my future ah. Also you really care about your clients and is genuine on helping them achieve financial freedom.
Trades I look out for a financial advisor most importantly is that he/she is legit genuine in helping his clients. Makes me feel assure and confident that financial freedom is achievable for me. And someone I can trust to be there for me in the future ah. Thats why I approach you bro.
Daniel’s jovial personality makes him extremely approachable, and lightens the mood for adulting conversations. And yes I understand what’s going on try Plus he got an all-rounded, and up to date understanding of current affairs, financial markets and investment instruments which allows him to effectively advise clients based on their needs and suited risk levels. Some more he can translate tough concepts into simpler terms which makes investing much more palatable! Would 100% recommend him to anyone seeking to build individual responsibility and work towards financial freedom.
Ps. I thought my own cash Row was damn zai. Till I met him LOL
I reallyyy appreciated that it wasn’t stressful at all even for someone who’s practically financially illiterate :’) it was so informative and clear without much jargon at all 🙂
Also felt like a very friendly conversation and a sincere attempt to work towards a goal with me, rather than just providing a financial service for a stranger :p
Learnt more about insurance in 1.5h (even with the dinner and random talks) than in the past many years of my life combined so thank you for saving me a lot of time and agony having to figure this out on my own :”)
Thanks for the 2 sessions we’ve had so far (the first being somewhat impromptu) !! I’ve definitely gotten a clearer sense of my finances and how to analyse my own monetary flow, and you helped put my long- and short-term goals on (virtual) paper too, which really opened my eves even further.
I appreciate your honesty and passion when it comes to helping me with potential investment plans, as well as placing my goals under a more realistic light. the explanations were very comprehensible for me, especially since I’m absolutely new to the theories supporting the entire concept of investing.
I look forward to every meeting as a client, knowing that i have a very effective and bright advisor who will guide me through the planning and application process!
On a more personal and side note, I look forward to every meeting as a friend too, I think it’s a blessing that we managed to catch up, plus the sharing sessions were built on that, and I really appreciate that we got to connect again 🙂
I think you’ve been a great advisor so far – who really cares that I understood all the investment principles, vehicles, what exactly I’m putting my money into, the contract details etc. I’ve thought about investing for almost a year now, and have always felt inertia to start because I felt that I don’t have sufficient information, but having your help and explanations made it so easy to get it started.
As someone who cares about the details, I appreciated your
thoroughness! I also appreciate that you were reassuring, not pushy, and made sure that I know why I want to make my money work hard for me – which made it less daunting when I signed $$ away to invest for the first time!
I also feel so relieved in knowing that my money is growing money – because I really want to give back to the world in future through supporting different social causes. Your planning + helping me to invest helped me know that I can dream big + do good for the world + still be financially free!
Key takeaways:
+ approachable, friendly
+ clear and concise in explanations
+ professionalism
Key takeaways:
– detailed and comprehensive
– efficient and skillful
– informative
Thank you so much Daniel! appreciate the hard work you put in
Thank you so much Daniel for settling my Hospitalisation and Accident plans within my budget!
Always thought insurance will be expensive, but now its actually manageable and affordable. You didn’t try to upsell me policies and everything was well within my budget.
I don’t have to worry about my insurance now and focus on my University soon! Next is wealth accumulation
HEYYY Daniel!!!!!!!! Just wanted to say big thanks to youuuu for being so accomodating towards me and for helping me all the way and explaining things in so much detail! I think IM just an extremely paranoid person who really wants to know literally every single detail before i commit to anything and am super worried also. BUT i just want to say that you are legit solid because if you can convince me i think you can convince the whole world literally LOL. I never really meet many people who loves details so much HAHAHA (i mean apart from other dentists LOLLL). so just wanted to say thank U very muchhhhh:))))))))))))
Thanks Daniel for meeting with me and ***** even after we pushed back the meeting by quite abit and thank you for explaining to me what a financial advisor role and what they do in such detail really change the way i will interact with them.
Lastly thank you for explaining my financial status so clearly with me and giving me advise on what i can do at this juncture. Look forward to talking more about this in the future.
Solid FA who can help you to plan your finances, not pushy as well which I rily appreciate. We can literally talk about
anything under the sun as well and I just appreciate knowing you since army and now I’m just thankful to have you as my FA
for me, I think what I appreciate most are:
1. your preparedness and resourcefulness. throughout the session I felt very well-informed and assured that these numbers aren’t j plucked out of nowhere LOL so that I can better understand why we are making certain decisions and why it’s best for me
2. your passion bc can tell u love what u do and that you see being an FA as more than just your career but also a way to journey life with your clients / friends !!
3. your patience bc adulting is tough and we were all clueless once (aka me now LOL) so it rly helps when someone is patient enough to help me understand the things I don’t know and learn and grow together lor:”)
Daniel is v resourceful and knowledgeable about the whys behind the policies and I like that he recommends things that suit our life stage and priorities. He also makes sure to explain in detail until we really understand what we are getting ourselves into. I appreciate his attention to detail when he walks us through the application process and also following up with us along the way as and when we have questions.
Overall, the biggest takeaway for me is the sense of assurance from engaging Daniel as our advisor! 🙂
For me after the sharing session it made me see things in the long & short term a lot more realistically, and cleared the fog on how I can work towards my set goals. On another aspect, your explanation and planning was very clear and detailed, which makes understanding and processing much easier !
Overall, I find the whole sharing session was very engaging and your passion and genuineness was very evident ! Looking forward to work with you !
Thanks for the 2 sessions we’ve had so far (the first being somewhat impromptu) !! I’ve definitely gotten a clearer sense of my finances and how to analyse my own monetary flow, and you helped put my long- and short-term goals on (virtual) paper too, which really opened my eyes even further. i appreciate your honesty and passion when it comes to helping me with potential investment plans, as well as placing my goals under a more realistic light. the explanations were very comprehensible for me, especially since I’m absolutely new to the theories supporting the entire concept of investing. I look forward to every meeting as a client, knowing that i have a very effective and bright advisor who will guide me through the planning and application process! On a more personal and side note, I look forward to every meeting as a friend too, I think it’s a blessing that we managed to catch up, plus the sharing sessions were built on that, and I really appreciate that we got to connect again.
Thanks Daniel for helping me learn more about how you do financial planning for your clients and for having the discussion with me about conduct risk and what motivates you to be a responsible agent. I also really appreciated you sharing with me about what your opinions were on what could potentially be done to shift the industry in the right direction. I think the core reason that will help the industry rebuild its reputation are agents like you, the ones who put the interests of the client first and foremost.
As someone who is working in the compliance function, getting to speak to you about this has been very encouraging as it reminds me that such people do exist and work towards spreading this culture amongst their colleagues and peers. On top of this you are extremely personable, knowledgable, and approachable! Really, keep up the great work and I hope to have more of such discussions with you soon!
After having that session with you, I found out that there’s a lot that I don’t know about. Even though I use StashAway it was really more of a save and forget kinda deal because there was a lot to read and I didn’t have the background knowledge. You were able to easily bridge it and informed me even more stuffs, break it down with the excel chart and showed me an attainable goal within the timeframe. Honestly felt like I’ve benefited a lot from this, thanks for the sharing session!
I feel you’re a rly approachable person so it makes it easy to share any questions or concerns without worrying about sounding dumb HAHA and also very open to sharing about your own experiences and stories etc which I feel is really refreshing! Also open to sharing knowledge to both clients & fellow FAs which I think is admirable and your passion legit off the roof.
I think you’re a really nice advisor who seems more like a friend rather than an advisor! And you really try your best to tailor financial help for your clients it’s not like a one-size-fits all kinda approach which is really really unique. You are also
super knowledgeable like you really know what you’re talking about so really can trust you with such private info I think. I feel like you’ll go really far as a financial advisor!!!!!
Thank uuuuu so much too for taking time off to share stuff you’ve learnt! I’ve learnt a lot from you haah really super grateful kinda felt bad when I couldn’t actually engage you to help manage my finances but will look into this again when I earn more moolah HAHH
OK wa 2-3 key takeaways but there are many takeaways HAHAHAHA but if I have to choose a few:
– I think u make adulting/investing seem much less scary than it actually is! like because growing up we weren’t taught a lot of this stuff unless your parents expose u to it, but even then your perception of adulting etc can seem scary because it’s basically your future livelihood etc, but u make it seem a lot less scarier than it actually is, or even in fact fairly manageable!!
– U’re also vv approachable and rlly take steps to go beyond and have a genuine interest and care towards helping and sharing your knowledge which these days is v hard to find people like that unless its like your super good friend or smt
– u listen vv well to your friends and assess them based on their needs and interests!! and rlly take the effort to tailor the plans exactly to them and not just offer a one-size-fits-all kind of thing
1. Daniel is easy to communicate with, he comes across as really genuine and does not try to sell you things that you do not need.
2. He illustrates good knowledge about his field and provides a visual roadmap to helping his friends understand what is needed for financial planning.
3. Having known him prior to becoming an advisor, I am confident that he has excellent work ethic and will provide his best.
Very friendly, approachable and very very helpful in helping me !!!! really took the effort and time to draft out my queries and answered them one by one with detailed explanation and comparison in the ppt slides which was really useful in helping me to make a decision!
Was also able to provide and tailored the policies that is suitable for me and advice accordingly to what i really need
Overall experience 10/10
Some of us might be overwhelmed by the idea of adulthood, and also by the fact that we do not know anything about financial planning. Hence, it is imperative for us all to find a wonderful financial advisor in order to understand more about our finances. Daniel would be the perfect financial advisor to go to.
He effortlessly builds rapport with his clients during consultations and goes the extra mile to ensure that his clients’ needs are satisfied. Even though financial planning is a serious
topic, Daniel is always able to make others laugh and feel more at ease while maintaining his professionalism. His good empathetic listening skills has also allowed me to feel more confident in his ability to be a great financial advisor.
thankssssssss for the great help Daniel 🙂
i really appreciated how you were very knowledgable about planning finances in life!! it really gave me a better idea of how to start thinking about what to do with my savings and how much i’ll need to reach my goals
appreciate how you are v approachable and honest, and so willing to give us so much of your time for nothing.
I think one of the reason why you are a good FA is because u r honest and dont hardsell. Like how you just told me that my savings are not enough for now to invest and not just heck care and hard sell me to invest
Another reason will be u legit personalise and really use numbers to show what is needed for our future. The template that you come out with on the cashflow, honestly i dont think any FA do that. So is like talk vs numbers, which will most people believe on? And is easier to “sell” you also because I can just tell my friends that what age i plan to retire and what is my progress in terms of % to meeting my goals which are so cool!
-Approachable and friendly for people
adulting / investing
-Very high energy and onzzz
-Resourceful and highly dedicated
1. your 4321 diagram coupled with the explanation on the types of insurance i should get in the future was very nice, comprehensive and understandable! i never knew there were so many types of insurances available so i learnt something new :”)
2. thanks for taking the time to explain my existing policy in greater detail too even though it’s not even done by you! now i
better understand that there are different investment plans too so thanks for that!
Hi Daniel!
Sry I cldnt make it for your birthday though cus BlackPink in our area hehe I thought u were gnna come to the Saturday session today because I wanted to thank you personally
So I’m rlly grateful for all the opportunities you’ve given me to learn and grow. You’re the leader that I’ve always wanted to be; not so fierce but rlly caring and encouraging! I know that you could be spending time reviewing clients or playing minecraft but you choose to teach and mentor me out of your busy schedule because you believe in me even when sometimes I don’t believe in myself
Thank you for being such an amazing mentor! Continue being the best FA you’ll ever be haha and maybe some day we can
play minecraft together!
Competent, knowledgeable, dedicated.
Love how you can confidently answer all my questions bro. Definitely would love to have someone that’s more knowledgeable than me to take care of my personal finance and insurance. At the end of the day, it felt like friends exchanging ideas/info rather than the usual “sales pitch” (like what other advisor do)
I feel you’re very approachable and flexible when it comes to planning which is really good and important for me since at this age there are many uncertainties in life (like whether I would get married/buy a car in the future). It is easy to talk to you when i want to change my future plans! Another takeaway would be you’re very efficient! Our talks are not long but they get the work done which is smth i rly like! 😀
Key takeaways:
+ approachable, friendly
+ clear and concise in explanations
+ professionalism
Key takeaways:
– detailed and comprehensive
– efficient and skillful
– informative
Thank you so much Daniel! appreciate the hard work you put in
I feel that you are approachable and can reply fast, Which I value in a FA. Esp when there is something I need from you. Even before starting a plan with you, you could help me and give me different tips on the questions I ask you. I also feel like you know your shit well. to the point where you can come up with the book, which is pretty not-boring. like not too wordy.
Also, think its not bad that you can explain things easily for me to understand and keep the meeting chill.
I think that you were very clear and concise when going through the pros and cons of the different saving modes. While I’m not a numbers kind of person, I was able to understand and pick up things quite quickly because you provided a few relevant samples along the way – something that not a lot of consultants have done for me in the past. Also I appreciate the fact that there wasn’t any sort of judgement towards my impulsive big girl money decisions HAHAHAHA 10/10 would recommend to all my friends who are looking to build their savings in the most efficient and non-scammy way.
I appreciate the balance of friendliness and professionalism you maintained throughout our session. Your consistent smile made our first meeting comfortable, and the little conversations you initiated really lightened the mood.
Regarding your professional advice, I found it invaluable when you reviewed my existing policy. You highlighted fees that I wasn’t aware of and that my previous advisor hadn’t mentioned, which was crucial for my understanding of my purchase. I also appreciated your emphasis on providing “peace of mind.” As someone without a professional background in this area, having a reliable advisor like you is incredibly reassuring.
Thank you!
Key takeaways from the sharing with regards to Investment, it is a MUST DO and it isn’t as scary as it seems !!! Turns out there is a variety of ways to invest and it can be catered according to each individual which i find it very interesting and great 9 I think there are so many pros to investing and it not only benefits the individual that invests but the following generation like their kids or even past generation like their parents & i wouldn’t have learnt so much about investing in sucha short period of time without ur sharing!!!+ u’re very very genuine, approachable and passionate advisor hehe if i didnt think u were reliable i wouldn’t have introduced u to the ppl ik who wanted to know more abt being an FA/ interested in investing HAHAHAH
I think you are a really open and honest advisor that doesn’t shy away from difficult questions. On top of that you are also very humble to learn, trying to get knowledge wherever you can. I feel that you being this passionate and knowing you love your job makes it much easier to trust you to handle my finances.
Thanks Daniel for guiding me through the financial aspects of my life. Pretty awesome to learn more about government schemes like CPF, BTOs!!! Came out of NS a blur and foolish young adult but Daniel led the way hahahaha. Honestly learnt so much about what I should do with my money in the future hahaha
Super awesome and chill to talk to are the traits I look for in a financial planner. So amazed that Daniel embodies all of it and
better still, he’s for life hahaha. Damn proud to make friends with him. Talk about life and literally just chill after talking about finances. Perfect way to end the long and informative meetings.
I think with you in the rein, my money is in good hands lah hahah. So knowledgeable, approachable and just 100% lit thanks bro, you pass the vibe check.
Daniel is good at making it fun and reassuring. Cash flow is important because it makes me understand that this is really a long term commitment AND also puts me at ease to know that I’m not overpurchasing.
More reasonable, suggests the things that are necessary and important, good at rapport. Feel comfortable.
Thanks for being a patient, approachable and relatable advisor! Haha really learnt a lot from this as a finance noob 🙂 the sciency part of me also really appreciate your extensive use of excel for cash flow data analysis as well!
I feel that you’re a v frank, professional and approachable advisor who makes such chim stuff easy to understand, tailoring my portfolio to suit my goals/expenses, and trustworthy for sure Thanks for getting me started on all these financial stuff and look forward to learning more from u!
I think i really came into the session not really knowing anything about financial anything HAHA but things were really broken down to me and explained simply! Really provided a simple rough overview of what I can expect and I think really broke down a kind of “mental block” of making my first steps into it! Here to help reduce Adulting str
Appreciated how there is no like hard selling of a product and how you really based it off client’s needs (: And appreciated how the session was stress free, and even when there were moments when i was q hesitant, you didnt push at all and gave me the space to feel “uncomfortable” and gave me assurance + understanding too (:
Also nice to see that your schedule is not as crazy as I had imagined HAHA and that you actually have time to take breaks for yourself and rest (:
It was great speaking to you Daniel. You have abundance of knowledge, strong skills and greater helping nature. I wanted an expert to guide me in financial and investments and glad i found you. It was not easy to find a gem though. I had to read so much about Court of the Table, top financial consultants. And read dozens of profile before i decided to proceed with you.
I nominate Daniel Heng as Financial Advisor of the Year as he has been very passionate in creating authentic and valuable content to educate anyone not just about financial
planning but also on how to live life and grow on a personal and
professional level. His book. Adulting 3.0, a graduate starter pack has given me perspective and tips on how to better prepare myself for adult life after university and also areas to consider that I did not think about!
Furthermore, for as long as I have known Daniel for, since Y1 in SMU, he is someone who really goes the extra mile and cares genuinely for each and everyone of his clients, and treats them as good friends rather than just clients. Personally, he was
willing to help take over servicing of my policies and help identify methods to grow my wealth. He also checks in on me routinely and ensures I am doing well not just financially but in life too. I appreciate the time he takes despite his busy schedule to meet me for lunch and just chat, without any strings
attached or policy review. I know I have him in my life not just as an FA but also a friend to live life with.
Daniel lives up to the name of financial adviser because he has
provided me and my family with policy summaries to identify and summarize what plans we have, and look at what gaps have to be filled. He ensures that we are covered thoroughly and not overpaying in any segments. This gesture of his has made me feel that he is someone that is meticulous in his service in all
aspects. He took over servicing my policies when my original FA
migrated overseas and helped in policy restructuring to unlock more value for our money. His transparency and clarity in explaining all our policies and tips on what we can do has also made us feel safe as he is not an FA looking to profit off us but one who wants to truly help me in my finances.
Overall. I feel that he has gone above and beyond and truly seeks an authentic, transparent relationship with his clients and my personal encounter with him has made me feel safe to entrust my finances to him!
