Excellent service and competent!

"Jovin never fails to look out for my protection and investment interest. 

Thumbs up for her excellent service in ensuring smooth and quick process of my claims & her competency in delivering solid double digit returns for my investment funds in a year!"

Cynthia Swee, Business owner, Client of 18 years

Best interest in all my financial planning, especially investment and retirement planning

"Jovin helps me restructure my retirement planning to safeguard and optimise the intention in my will.

Having known Jovin for 14 years, she has always been very professional, passionate and most importantly, very client-centric in her service.

All these years, her reliable support and consistent follow up with all my investment, savings, life and medical policies have enabled me to reap higher returns than I have expected.

I can definitely trust Jovin to act in my best interest in all my financial planning, especially my recent investment & retirement planning advice."

Lee Kam Peng, 69, Retired

Clearly, Jovin's forte lies in her experience in estate planning and wealth advisory. And she understands the perspective of an investor. It is helpful speaking with her, even about discussion on fund switches when the need arises.

I have previously encountered other specialists before and the advice provided to me is mostly about how to make use of my idle funds, and never about how to hedge my wealth.

We spend more than half of our lives building our wealth. We should also put more thought into our retirement planning and how we like our wealth to be distributed properly.

Christopher Lee, Retiree

We met Jovin through a good friend 10 years ago when we moved back to Singapore. Jovin has been our financial adviser ever since, managing our financial portfolio and investments.

Jovin goes above and beyond for her clients and we've experienced this first hand. She regularly meets with us for review and keep us to date so that we can plan our finances and investment.

Coming over to Singapore as expatriates, we highly recommend Jovin as she is not only trustworthy, but also sincere and have our family's well being at heart.

Jonet, Red & Family

Known Jovin for 15 years

Gone the extra mile for a peace of mind

"Jovin and her team have gone the extra mile to deliver excellent service and financial consultancy for my family over the past few years.

My daughter was hospitalised due to an infection and I was worried sick. Jovin’s wealth of experiences and steadfast demeanour has helped me to focus on my daughther’s health, while providing me timely advice and great recommendation.

I'm grateful for Jovin and her team have exceeded expectation for their superb customer-centric experiences, friendly, professional, dependable and trusted service which I would highly recommend to all my friends."



  Jessica Chai, Trainer, Client of 7 years

Attention to my questions and needs have not once wavered, no matter how mundane

Simply put, I have entrusted a considerable part of my future to Jovin! From our serendipitous meeting in Singapore, I love that she listens to understand deeply and I felt that she genuinely cared about my well-being, my plans and my future. She is instrumental in helping me think of my financial health and future in a dynamic yet secure way. I really appreciate too, that even if I am now based in the US, the attention to my questions and needs have not once wavered, no matter how mundane.

She was also able to pivot her advice and guidance to me so seamlessly during my relocation. Jovin has continued to be sensitive to the changes I was managing and how that influences my investments and future plans.

I have definitely recommended Jovin to people I care about – and will always do so – because I know that with her expertise she will continue to be someone who can be trusted to be a sound and wise advisor to them, no matter what their priorities are!

Christianne Campillanes Pena,

Director of Talent Operations

Professional and veteran in her field, a trusted adviser and friend that my family and I choose the engage.

I took up my first insurance from Jovin when i was 17 years old and has been growing with her ever since. Today, I am a mother of two and still consulting her.

Jovin is very professional and a veteran in her field, a trusted advisor and friend that my family and I choose to engage all these years.

I personally like how she patiently prepares and explains suitable solutions to my needs.

Elise Xie, Director

Banking and Finance Industry

Client of 19 years

Practical recommendations that suit my needs at different phases of my life

"I have known Jovin for more than a decade. She has given me many practical recommendations that suit my needs at different phases of my life. Jovin is meticulous and forward looking, and that enabled me to plan ahead and not planning just what I need currently.

I am pleased with the investment returns with Jovin’s planning, and I will continue to seek her advice when I have more funds to invest.

With her personalised service, dedicated team of staff supporting her and wide range of services and wealth management experience, I would strongly recommend Jovin to anyone who needs advice in restructuring their financial portfolio."

Jane Cheong, Teacher, 45

Practical recommendations that suit my needs at different phases of my life

I have known Jovin more than a decade when my first child was born. As a busy doctor, I value working with Jovin as she is dependable and clear.

I appreciate her thinking process and advice. It is well thought out and that saves me precious time.

Through Jovin’s advice, my investment has also been well managed. I strongly encourage my friends and fellow colleagues to seek a 2nd opinion with Jovin on their existing financial portfolio. 

Dr David Chin, Client of 15 years

Ear Nose Throat Surgeon

Practical recommendations that suit my needs at different phases of my life

Through the past 16 years, I feel safe to let Jovin handle and grow my wealth. So far, all my investments recommended by her are well managed. In some of my portfolio, Jovin has helped me to grow my wealth by as much as over 20% in a year!

I am thankful that I listened to Jovin's advice and recommendations. In fact, I am able to look forward into my golden years without fear of insufficiency. Right now, I am well Protected, able to continue to Grow my wealth and my Retirement plan is in place.

I will definitely recommend Jovin's wealth management service to anyone who wishes to grow and accumulate their wealth. To me, wealth means a healthy mind, body and financially secured!

Lastly, it is not only aptitude but also her attitude that she has become what she is today. Jovin has changed my perception on financial planning. Thanks dear!

Charmaine Quek, Client of 16 years

Oil & Gas Industry

Grateful to Jovin when he was hospitalised

I am grateful to Jovin when my husband was hospitalised for a major surgery in Gleneagles Hospital.

She returned my phone call, even though it was weekend evening and she was not obligated to, as it was her family time. And I really appreciate that.

Jovin, you have always highlighted to us what is important to our family and the solutions to take up to cater to unforeseen circumstances. That saves us a lot of financial stress. I can't thank you enough. Thank you very much once again..!

Etni, Accountant

Client of 12 years



I have known Jovin for 17 years. Jovin manages my family investment portfolio & insurance coverage.

I have a few financial planners over the years. They come and go. Jovin is the only one who stands out as she is most consistent. She has always been there for us when we need her most.

Through Jovin’s advice, I have also set up my Will and Trust to ensure my business assets and overseas properties will get transferred properly to my family. This is peace of mind which every business owners need. I would strongly recommend Jovin and her dedicated team to any business owners.

I would like to express my great appreciation to you and your team for the services rendered to me and my family over the years.

I have had different financial planners serving me over the years but the experience that you and your team have provided brings a whole new meaning to 'service standards and personal touch'. There are two things that I'm particularly impressed with, (1) checking back regularly with me on my family's progress and recommend products that you think is necessary for us, not products that you want to market and (2) providing great follow through even post sales.

The purchase of the hospitalisation coverage for me and my family has been one of the best advices that you have given me. When my mom required the two knee surgeries and her recent cancer episode, we didn't have to worry about getting the best private medical care, but just focused on helping her emotionally to recover from her ailments. Her post hospitalisation claims of over $15k and $20k over the last couple of years have been efficient and hassle free.

As I'm writing this note of appreciation, I'm personally benefitting from the hospitalisation policy as I'm lying in hospital recovering from an infection, with a peace of mind.

Thank you once again for being not just "a financial planner" but more like a personal friend. I'm sure with such client-centric service, you and your team will continue to see great success in your endeavours.

One simple and poignant sentence: “You stand out because you have made your clients feel that you will NEVER disappoint them!"

Thank u so much for being there for mum and us, Jovin. You will always have a special place in her heart. I remember the day she wandered into your office. She told me that night she had met a very nice lady. I remember saying: “Huh? R u sure?” She said: “I have a good feeling about her. And she was right!”

You have blessed us with your care and advice. You have cheered mum on. And she is Home now. Pain free and content.

Thank u so much Jovin.😘😘

Dear Jovin, thank you. Today we sent off mom. We know that she has gone home to be with her Lord and Saviour, Jesus Christ.

I am so blessed she was my mom! I am feeling her loss! I was very attached to my mom and her passing has impacted me in ways I cannot explain.

I take solace that she has lived a good life, and now gone home to God. I look forward to seeing my mom again when my time comes.

God bless. Thanks for all the love, Jovin. You are special to us. 🙏

Jovin is a real professional. She knows her products well and hence able to recommend the most suitable products to meet her customer needs. She is knowledgeable and is very driven.

Her services are greatly appreciated because of her personality. She is easy to talk to, and is a great friend. She is jovial and very hardworking.

It has been a blessing to have her as our consultant and friend.

I was introduced to Jovin thru my cousin who has been supported by Jovin for  many years. Her reliable support and regular follow up have gained her many referral clients.

Jovin has been absolutely thoughtful and attentive in managing my investments. With a wealth of experience, she is able to recommend policies which are best suited for my needs. More importantly, she goes the extra mile to explain in great detail and is always happy to answer any queries I may have.

Such genuine concern for her clients is undoubtedly admirable. I’m glad that I made the decision to engage her services - I am comfortable and trust that she is working alongside with me to deliver the best possible long term solutions for me.

Given this trust in her, I have even signed policies with her for my 3 young children, whom I believe are also in good hands.

As such, I highly recommend her services to anyone looking to get started on investing, as she is able to take you through the details patiently and address your concerns suitably.

Many thanks to Jovin for helping me restructure and open up my mind on building alternative ways to grow my retirement income.

I am impressed at how she is able to simplify concepts for me. Jovin makes it a point to help me understand that other than property investment, there are actually other flexible alternatives which requires less capital outlay and can offer a potentially better yield than rental income.

As a working professional preparing for retirement, I know that my retirement years are secured under the care of Jovin. Thank you, Jovin!

What sets Jovin apart is her caring and sincere personality. Most importantly, it is her resourcefulness and dedication to her clients and profession.

In fact, she exceeded my expectations when she managed to help my friend, whose cancer marker is high, to eventually obtain medical and life insurance coverage, when no other planners are able to.

I've been Jovin's client for close to 15 years now. Seeing her current success and achievements make me proud to continue recommending her to my family and friends.

Conan Yap, 43, Business Owner

Jovin has been an angel through my recent health journey which required multiple claims from various insurance policies. She provided support in my darkest days, sending kind words and useful resources to me like YouTube video links, to me which helped kept my spirits up. 

Thanks to her and her team, I was able to receive my payouts on time and she even helped expedite some of them. She was also very meticulous and even spotted some of my insurance policies that could provide payouts, which I had missed out. Thanks to her, I didn’t have to worry about finances while seeking my medical treatments and during my recovery. 

I cannot thank Jovin enough for what she did and my family and I are deeply appreciative and thankful!

Sharon Lee, Civil Servant, Client of 10 years

Managing our investments and making the right financial decisions takes time, skill and effort. As busy working professionals, we have a lot on our plate and may neglect our finances. With Jovin, we often discuss investment strategy, build financial plan, assess alternatives. I am impressed with Jovin’s commitment in ensuring my well being is taken care of at all times.

My investments have been well managed and on track to meet my goals since I started investing with her 16yrs ago. I would definitely recommend Jovin to anyone who likes a hassle free experience in managing your finances and wealth in a professional way.

Lan Haoyue, Executive

Telecommunications Industry

Thank you for solving my problem, Jovin..! I am glad I got to know you. As a mother of 3, I have maxed out my tax relief for my income tax. Jovin has been patient to look through my overall planning and given me clever alternatives on what I could do to optimise my savings. I would highly recommend her services to working mums out there with similar concern.

Linda Chua, Business Owner

Client of 4 years

Jovin has been my go-to adviser since my early twenties. It was pure luck that we met when one of my policies got transferred to her care. Since then, I always consult Jovin on where to grow and invest my money. She has always been patient with me, provides good advice and consider my affordability before investing for me.

After Jovin restructured my earlier investment that was taken up from aother adviser, my funds finally turned from negative to postive within a year. Through her prudent planning, I was able to use the matured policies to offset my deposit for my 1st property. I have since also entrusted my parents' policies to be managed under Jovin's care.

I highly recommend Jovin to anyone who needs a 2nd opinion in their finances. She is someone who is not only very capable and knowledgeable about solutions, but also one who takes great care of her clients' needs.

Adeline Tee, 35, Pharmaceutical Research Industry

I was personally introduced to Jovin by a good friend 2 years ago. I would like to say a big Thank You to Jovin for helping me restructure my investment that was taken up 20 years ago.

For many years, my investment has been in the red. And I am very thankful for the review and advice Jovin did for me.

With her help, my portfolio has finally come out from the reds and managed to turn around with profits this year. I would definitely recommend Jovin to anyone out there who need dedicated advice to restructure their investment.

Definitely, I can see that my financial planning as advised by Jovin is now providing me with much security for my coming retirement.

As such, I would highly recommend her service to any working professional and retirees who wish to enjoy their silver years. Thank you, Jovin!