“The road to financial freedom is not how much you earn, but how well you manage your wealth and finance” This is what I learn when I met Pauline. She has shown me how a Licensed Financial Planner can help to make money work harder and better for me by showing me examples of her full financial reports customized to my needs. Her reports are like a blueprint of a person’s financial health. It clearly stated the person’s current cash flow, educations fund for kids, emergency fund, risk management, investment , retirement plan and so much more. She then can give details explanation to each sections and also pin point the “leak” in a person’s financial health, she then came up with the solutions to how to stop the leaking. Pauline is the first person I will introduce to anyone that hope to manage their wealth better.

Pauline helped my wife and I to come up with our financial plan. It’s a tedious process actually, which need perseverance to go through each of the steps. Luckily, with Pauline, she guided us through it and gave us the options and suggestions which helps us a lot during our financial plan journey. Having finally done our financial plan, we now know what our financial position are, what our spending were and how it has improved, the financial goals we want to achieve and how we are going to get there. Pauline also helped us on our estate planning as one of our main concern is to ensure our children are taken care of in the future in case something happened to us. I’m glad we did our financial plan. I’m now clear on what need to be done and the target to achieve. No need to second guess like before. After going through this process, I feel that having a financial plan is important especially if you have a family to take care of or if you are unsure whether you are saving enough for the future.

Pauline helped me mend leaks in my cash flow. She also followed up with me thoroughly to make sure I take appropriate steps to achieve my goals. Her recommendations were solely based on my goals and interests without any biased. I’m convinced that all young professionals should engage Pauline for her financial services to achieve goals. Highly recommended!

I’ve been Pauline’s client over 2 years. Pauline helped me on my financial plan, and it has been a game-changing experience for me. During my first year, we looked into my overall cashflow, investment, risk management and retirement plan. These first steps of document and data collection were the most tedious but the most exciting – Pauline has helped me with reminders and guidance on how to best collect these data. I was also very welcome to ask her any questions throughout my engagement – and this proved to be very valuable. There were many nitty gritty things that were eye-opening for me! Once data collection was complete, the results was very satisfying as I had an overarching view of what my financial health looked like. It’s very interesting to finally see this from an eagle’s eye perspective! From there, she has helped me to further analyze my cash flow, debt, risk management and investments; and how it can be improved on. She is very detail oriented and enthusiastic during the plan presentation part. In that meeting, I was able to ask many questions and I finally had a very refreshing input on what insurance actually was – to listen about it from someone who was not pushing any products to me. This impartial part is key, as I finally had an unbiased view of what I truly needed. Furthermore, Pauline’s advice is crucial in helping me to improve my debt health. As I have engaged with her for two years, I was able to see the differences in my financial health after receiving my second Comprehensive Financial Plan. She also has a keen eye on pinpointing the unnecessary expenses that I was blinded to, and she also has many ideas on how to cut down on certain expenses. This really helped my cash flow and helped me to get to a better financial health. I highly recommend Pauline for all young professionals as the earlier you start, the better!

I have used Pauline’s services and have to say that when she analyses your financial position for you, she really do it with her heart ie she is not there to look for opportunities to sell you anything. In fact, once you are her client, she puts your interest first and let you know the best way to manage your finances even if it means she’s not going to get anything out of the recommendation. This is what I call “professional” and doing her business with “passion” and “from the heart”.