Josephine Tan.F&B Manager

I had the pleasure of crossing paths with Javier through social media. Attending his talk, I found him incredibly approachable, with a refreshing no-obligation mindset. Trusting him with my proposals was effortless, knowing he truly had my best interests at heart. Javier's guidance safeguarded my financial stability, ensuring I never overextended myself or depleted my rainy day funds. What sets him apart is his genuine friendship and genuine concern, consistently checking in on me. His transparency and lack of attachment to outcomes were truly refreshing, offering assistance without any strings attached. I cherish our agent-client-friend relationship and would wholeheartedly recommend him to others, knowing they will be in capable, caring hands. In Javier, I found a trusted advisor who goes above and beyond, making a meaningful impact on my life.

Desmond Lim.Co - Founder.First Street Teochew Fish Soup

I am pleased to write this testimonial for Javier, a remarkable financial consultant whom I have had the pleasure of knowing for the past 15 years. Over the years, Javier has not only been a loyal customer of my food stall but has also become a trusted friend and advisor. I have known this fellow since his uni days. From the moment I first met Javier, we became more than just friends solely because of his genuine and humourous character. He possesses an exceptional ability to navigate the complex world of finance with ease and provide insightful advice to individuals and some feedbacks to my businesses. I have personally witnessed his dedication and commitment to helping his clients achieve their financial goals. I could see him often at my stall having lunch appointment with his clients where they also became frequent patrons of my stall. What sets Javier apart is his genuine care and interest in the success of his clients. Whenever we had the opportunity to talk about my concerns i have for the future, Javier would patiently listen to my concerns and offer practical solutions tailored to my specific situation. His recommendations have consistently proven to be invaluable, leading to increased profitability and financial stability for myself and the business. Furthermore, Javier has always been approachable and readily available whenever I needed guidance. Despite his busy schedule, he would take the time to provide me with valuable insights and answer any questions I had. His ability to explain complex financial concepts in a clear and understandable manner is truly commendable. In addition to his professional expertise, Javier is a person of integrity and reliability. His ethical approach to financial matters instills trust and confidence in their clients. I have always felt comfortable discussing sensitive financial information with Javier, knowing that it would be handled with the utmost discretion and confidentiality. Beyond his professional achievements, Javier is an incredibly kind and compassionate individual. He genuinely care about the well-being of others and have been a source of support during challenging times. Whether it was a simple word of encouragement or a helping hand, Javier has consistently gone above and beyond to make a positive difference in the lives of those around him. In conclusion, I wholeheartedly recommend Javier as a financial consultant. His expertise, professionalism, and genuine concern for their clients make them an invaluable asset to anyone seeking financial guidance. It has been an honor and privilege to know Javier for the past 15 years, and I am grateful for the positive impact he has made on my business and personal life.

Christopher Wu.Educator.MOE

Knowing Javier for the past 28 years, it has been a wonderful journey together! I'm glad i have someone closed to me handling my finanical portfolio. Javier took the time to understand my specific financial goals and needs, and provided me with a personalized financial plan that exceeded my expectations. He demonstrated a deep understanding of the industry and was able to provide valuable insights and recommendations that helped me achieve my goals. Throughout these years, Javier maintained clear and consistent communication, providing regular updates and ensuring that I was informed every step of the way. Overall, I would highly recommend Javier to anyone seeking a financial advisor. His professionalism, expertise, and dedication to achieving results make him an outstanding advisor.

Joseph Lee.Sales Executive

I’ve known Javier for 2 years. I first met him through a career survey on Facebook. He is very professional and does not hard sell on policies that were not needed and would be based on the “comfortable” funds to set aside to plan the most affordable plan to cover critical needs. He is also humble and has great knowledge of the product he is selling as he can recommend me the most suitable plan for my current need and explain to me in detail answering all my queries patiently. He is a great friend who would from time to time check on me on how am i doing not relating to insurance. As compared to others, normally agents would look for me would be trying to sell me some other things. It has been a pleasant 2 years since I let him handle my portfolio as he has been a great financial advisor and a great friend, giving timely advice and updates when information comes in.

Dje Eu.Infra Engineer.GOVTECH

I am delighted to write this testimonial for Javier, a financial consultant who has provided me with invaluable guidance and support over the past few years. I have known him since we were teenagers, and has fully shown himself as a valued and trustworthy friend. When I learned that he became a financial advisor, I did not hesitate into having him manage my Prudential policies. Javier's expertise and knowledge in the financial industry are impressive, and I have always been impressed with his ability to explain complex financial concepts in a clear and concise manner. He takes the time to understand my financial goals and needs, and he has worked tirelessly to help me achieve them. I appreciate that Javier takes a holistic approach to financial planning. He has helped me create a comprehensive financial plan that includes investment strategies, retirement planning, and risk management. He also provides ongoing support and advice to ensure that my financial plan remains on track. Javier's professionalism, attention to detail, and commitment to his clients are exceptional. I have complete confidence in his ability to manage my financial affairs, and I highly recommend his services to anyone seeking expert financial advice. Overall, Javier is an outstanding financial consultant, and I am grateful for his guidance and expertise.