Testimonials for Associate

Before I met Zul, I had zero knowledge on investments. He took his time to explain and share his knowledge on how this could benefit me in years to come. 

My main objective of investing was to especially stay ahead of inflation so that I could meet my financial goals. On top of that, Zul shared with me that by investing, I could potentially have the option to retire earlier, and it was something I was looking for. Also, I wanted to be financially prepared for my daughter’s education in university.

We also had various sessions of zoom meetings so that I could have a clear picture of how it’s going to benefit me truly. He really made sure that all my doubts were addressed too.

He shared with me his principles behind the money-bag strategy where we can invest and sleep well at night in all market conditions. It made sense to me, and I would highly recommend Zul if you’re on the fence of investing.

Zul Hairi

Before I met Zul, I had zero knowledge on investments. He took his time to explain and share his knowledge on how this could benefit me in years to come...

Samuel is very detailed and patient. He explained everything I have doubts in patiently even when I asked him to explain the same thing to me over and over again till I understand. He will also listen to your needs, understand your budget to give you the best coverage ever. I am grateful for his patience!

Samuel Chiam

Samuel is very detailed and patient. He explained everything I have doubts in patiently even when I asked him to explain the same thing to me...

I have known Asikin for about 2 weeks now, and I decided to engage her service as a couple of my friends have worked with her and are currently her clients. She has a heart-warming personality and is always polite and outgoing. She also gives really simple and understandable explanations which was very welcoming, hence I was able to understand more about her services and how it works. 

The most valuable thing that I have learnt from Asikin is don’t make your money stagnant, but instead make them work for you! I would definitely recommend my peers to engage Asikin’s services. #higherwithkins

Nurul Asikin

I have known Asikin for about 2 weeks now, and I decided to engage her service as a couple of my friends have worked with her and are...

Celine engaged me through IG as we were friend there. I think I was quite interested in hearing investment since recently a few people have been approaching and pitching to me about it. 

Celine really knows her stuff. She is very clear in expressing herself and I was very clear about what she was sharing. Needless to say, she is the only person that actually showed me the chart etc about estimated/ average amount for my future return if I were to start investing. It was really very well thought cause it really shows how true and actual to me and got me really interested with investing with her. So, once I’ve decided to take the step, I’ll probably get her to be my financial advisor.

Celine Tay

Celine engaged me through IG as we were friend there. I think I was quite interested in hearing investment since recently a few people have been...

The most valuable thing that I learned from Heidhar was the whole idea of investments. He managed to explain to me the risks, the stability and instability, and the consistency in an investment. Investment still carries risk however there are many strategies in place to reduce it. 

What I liked the most is actually Heidhar’s investment strategy. I also like how the plan is very flexible, which really give me options to plan my finances ahead. It was really comfortable talking to Heidhar, because I can be as transparent as I want to him and he will be there to give me the best advice. 

My key takeaway is, to believe in financial planning and investing today, rather than to regret tomorrow. I also found Heidhar to be very friendly and I like his openness. He’s definitely someone that’s easy going to talk to about anything. 

On top of that, Heidhar is extremely generous. I can really see that he is so willing to share his knowledge and his personal gut feeling — because not everyone is willing to share all this from their hearts. 

Lastly, Heidhar is someone I could easily trust. And that’s why I feel confident in entrusting my monies and investments with him.

Heidhar Embi

The most valuable thing that I learned from Heidhar was the whole idea of investments. He managed to explain to me the risks, the stability...

I have thought that S&P 500 is an investment option that is known to be one of the best, but I was proven that there are better choices. There are two type of commodities which are Technology and Hard commodities such as metal, gold etc.


I like that it is not pressuring for me to sign up immediately after a session. Hence, throughout I feel comfortable to openly enquire my doubts and concerns. The good thing is I wasn't belittled during the sharing session. Moreover, I gained more knowledge about the types of investments that I can adapt myself to. 

After you consider planning wisely your financial budget, the outcome is that you can put aside a certain amount comfortably. So, start investing for a better future!

Rafaila Rashid

I have thought that S&P 500 is an investment option that is known to be one of the best, but I was proven that there are better choices. There are two...

Being a workaholic, my main concern has always been not having the time to manage my funds and portfolio. With Zul’s expertise, guidance, and assurance, I am able to continue being a workaholic while knowing I have someone I can rely on with my investments.

Zul has really helped to make my investing journey as smooth as possible. Now, I have better clarity of how he handles his client’s portfolio so that they can invest and sleep well. If I had known Zul’s expertise earlier, I would have taken advantage of it earlier and have a larger portfolio now. Everyone wants a positive returns on investment but what stood out was that he showed me ways of losing less during market downturns and how to take advantage of it. 

Many are scared to take action due to the lack of knowledge, hence delaying their investing journey. But time in the market is better than timing the market. The effort and patience that Zul had in trying to understand my needs and goals was vital in my decision to trust my funds with him. Unlike others, he provides solutions based on my ability and planning, not just pushing something that may not be beneficial to me in helping me achieve my goals. 

I would highly recommend you to get in touch with Zul to have a chat be it investment related or not. Even if you’re not ready to start investing, he’s definitely someone who will try to be resourceful even if you have problems outside of investments.

Zul Hairi

Being a workaholic, my main concern has always been not having the time to manage my funds and portfolio. With Zul’s expertise...

The most valuable thing I learnt from Heidhar is how we can send our money to work and ultimately having our money be working for us. I found this to be very valuable because without this knowledge, many people would be set to work for life, and that could be scary. 

I’ve always thought investment is all about buying and selling for quick money. Little did I know that investments are crucial in one’s financial planning to achieve a comfortable retirement and financial freedom. 

What I liked the most from the session was how transparent Heidhar is in explaining. I like how he doesn’t sugar-coat the reality of investments. Heidhar made the whole idea of investing so simple that it is easy for a person like me to understand. 

For me, I don’t like chim words or big jargon that typical agents usually used. For that, I would say I am very comfortable talking to Heidhar throughout the whole appointment. The whole session did not seem so serious. It was rather an engaging session where I felt comfortable sharing more on my financial problems that I am facing, instead of having to listen to the typical investment pitch. 

Having to know Heidhar as a person, I am confident that he’s the best at what he does. And after the session, it made me feel so motivated to start as soon as possible. I felt safe too during the session, to share more on my financial problems that I am currently facing, as I know Heidhar will give me the best advice to my interest. 

For those who wants to start investing, GO FOR IT! Stop thinking and start investing! The more you think, the later you will start. The later you start, the more you’ll lose out. So don’t waste time! 

Knowing Heidhar as a person, I really trust him. He’s someone who’s really disciplined in his finances. Heidhar went out of the way to motivate me to get my finances together. Thank you Heidhar, let’s make great numbers $ together.

Heidhar Embi

The most valuable thing I learnt from Heidhar is how we can send our money to work and ultimately having our money be working for us...

I have kickstarted my investment journey with Qayyum about two months ago. He was very clear and concise about what I will be signing up for and despite my many questions, he was patient in explaining and clearing any doubts I had. We went through my finances in detail during our meeting too to endure that I am spending, saving and investing within my means. He also highlighted how great of a difference it will make in investing $300 or $350 a month. Furthermore, he was not pushy and all these made me have confidence in him and the investment plan he had for me.

Qayyum Shodikin

I have kickstarted my investment journey with Qayyum about two months ago. He was very clear and concise about what I will be signing up...

I have wanted to know more about investment hence, I approached Celine when I saw her stories with multiple testimonials about investment.

Celine Tay

I have wanted to know more about investment hence, I approached Celine when I saw her stories with multiple testimonials about investment.

Having known Ann from university, the meeting sessions were extremely engaging and comfortable. Ann is a patient and understanding associate who sought to understand my situation and goals first before recommending what was a good fit for me. When I was struggling to identify my own goals, she also patiently guided me through the process. Queries and doubts raised were also answered well and confidently, which aided in deepening my understanding of the options available. 

I appreciate that Ann has shown her sincere concern in helping me kickstart my journey to achieving my goals which I have previously been unclear about, and I trust that she is deeply invested in doing what's best for her future clients.

Ann Lee

Having known Ann from university, the meeting sessions were extremely engaging and comfortable. Ann is a patient and understanding...

Merlin is an in-house fin-tech tool developed to aid IAM associates to help clients better understand how ambitious are the dreams they can fulfil with their investment portfolio and provide a more direct, non-bias measurement and recommendation of the insurance protection they need, based on AI computed figures.

I have used Merlin multiple times to better understand the financial profile of my friends and clients through the in-built “fill in the blanks”. No one likes to be asked about their financial details directly as it can be rather personal. But Merlin format makes it much more inviting for clients to do so.

Because of this, it has also helped me gain confidence from clients to work with me through their own will using the dreams planner features in-built Merlin.

Merlin is proof of the IAM Support we receive here through the investments in R&D by our firm, for our associates. When you have tools, work becomes easier and less dependent on your individual efforts.

Merlin

Merlin is an in-house fin-tech tool developed to aid IAM associates to help clients better understand how ambitious are the dreams they...