Javier was great at breaking things down into understandable terms.

He also made it more relevant to me by tailoring his sharing using input from my end. From there, I could see where my shortfall was and the scenarios he simulated had more impact because it was based on my actual situation! I knew my finances were tight but I had no idea HOW TIGHT!

It was also great that he was not pushy in selling products. It was a genuine sharing session and he helped me understand the assets i already have and the different options available.

Many thanks to Javier for helping me to identify what I am lacking in terms of my personal financial protection. He also helped me to clarify some queries I had pertaining to plans that were not being sold by him. Javier’s sincerity towards his clients is commendable. He is very caring towards his clients, wanting the absolute best for them, whether or not his clients choose to purchase products from him.

By going through this review, I have a better understanding of my finances in the near future. Javier gave a clear explanation of how to plan financially given my circumstances. I would recommend this meeting to others. Rest assured that one will not be forced in any way to get a policy.

Javier was very friendly. He was patient in going into the details of the various plans offered. He was not pushy at all and ensured I understood the plans before moving forward. I was able to understand further into which plan would suit my needs and lifestyle.

Javier was just different in many ways. He took the time to go through all the policies we had, the correspondence we hoarded over the years from the insurers, and he narrowed it all down into what we had, what we could enhance/terminate, and what we needed now; and he wasn’t even pitching for a sale up to this point.
We found his approach refreshing compared to the hard sell one would normally experience with other salesmen.
He continues to keep in touch and update us regularly on developments, etc.. Sometimes, its just to say hello.
We would recommend him to any one seeking a review or planning to buy insurance.

5 Star Quality Service 五星好评 🌟
Before Javier became a financial consultant, I met a few consultants but have not come across one as genuine as him. And I am glad we had him as our consultant.
Unlike other consultants that sells what profits the most, he listens and understands our concerns like what is within our budget and shows us a few list we can take up.
He patiently advised us even though we had a lot of question that took a few sittings and hours to choose the most ideal plan.
Being able to answer all our queries one by one, it really shows how knowledgeable he is, knowing how much effort and time he has put into doing his homework.
He consistently keeps us up to date of ongoing and upcoming promos as well.
Yours Faithfully,
Elicia Chan 😃

I knew Javier for almost 8 years, since during my secondary school days in 2014. Javier come across as someone who is very motivated when he have decided to set a path for himself. Taking his tertiary studies for example, Javier managed to excel in his studies and was the valedictorian during our graduation. Now, Javier has found what he truly aspire to be, sacrificing what is needed where he gave up the opportunity to study overseas at the selected top few university.

That gave me lots of faith and trust in him and till date, he hasn’t prove me wrong! He is caring, approachable and attentive to what I am looking for and will only recommend the types of policy I need. Javier is motivated in serving and providing his best to all his clients. It’s also assuring to know that your insurance agent is in it for the long haul and he is always a phone call’s away. Plenty of experiences where Javier has gone the extra mile to serve me. He would always find out more details about an individual, for example his/her occupation, marital status, family members and at what stage in life a person is before introducing any policies. I have learnt a lot about the basics of insurance coverage, investments, etc whenever we meet up for a catchup. I would recommend Javier to my friends who are looking to get themselves covered because of the reasons that he is truthful, caring, knowledgeable and is easily contactable too. Over the years, we have forged this strong friendship and I can’t ask for a better friend to be my insurance agent as well.

Javier is a solid guy, knew him for 3+ years already. When he mentioned that he is a financial consultant I was abit hesitant at first as I was still quite lost about planning finances. Once I realise that it’s time for me to start planning, I approached about financial planning and after a meeting with him I gradually understood what financial planning is all about.

Through the meeting he gave me a rundown on what I currently have and what I’m lacking in terms of coverage. He even took the time to explain the pros and cons of my next financial planning steps and even personalise the information presented so I could ‘see the data’ on my finances.

He’s a very driven and passionate about his work so if you have any problems/queries about financial planning, he’s your guy.

Highly recommend seeking his help if you are considering on planning your finances for your future!!

Javier 是一个非常友好，非常有礼貌和非常专业的人，非常的喜欢他

我也没有想过什么期望，只是想要做个储蓄而已，我会推荐这个会议，让他人多了解这储蓄的好处

As a Financial Consultant, Javier is competent in his field of expertise. He was able to confidently resolve any doubts and queries I had when I first approached him for financial advice.

With his service-oriented attitude and meticulousness, he was able to attend to my needs and wants appropriately. For instance, when I approached him for insurance recommendations, he addressed the concerns that I had and made appropriate recommendations for me. When I asked him what trust funds are, he was able to explain and even broke down complex financial jargon for me to understand. When I approached him for recommendations on insurance, he was also able to

With that, I highly recommend Javier without reservation.

As his ex-teacher, I’ve really seen Javier grow by leaps and bounds into the responsible and reliable young man he is today. But what made me trust him with our finances is the immense empathy he displays and consequently, always putting people at the heart of what he does.

Javier is very understanding and patient with explaining the policies and providing the guidance needed. Over the years , I have a built a strong foundation of trust in him and can easily rely on him for tips.

He has opened by eyes to the world of investing and Made me really comfortable on doing so. I would very much recommend Javier to my friends as he is a very responsible individual who would work hard in providing the best advice for people.