I believe that a successful life requires the balance between Health, Wealth and Life. The journey to your financial success requires the joint effort of you and I.
I specialize in creating a smooth sailing financial journey through the planning of four phases - Wealth Creation, Wealth Accumulation, Passive Income Generation and Legacy Planning and to be the guardian of 10,000 Families & Dreams
You deserve to enjoy the fruits of your labor. Let me help you plan your well-deserved financial goals.
Articles Worth Sharing
Newsletter Issue 56: Habits & Decisions That Compound
As human beings, we are a culmination of our environment, decisions, behaviours and habits. It is worth giving thought to how we live our lives; taking a step back to reflect on some of our own less-than-ideal tendencies and ponder about how we can mitigate or improve upon them. Here are some resources that I hope can help us foster habits and patterns that can create an upward cycle for ourselves over time.Read more
Newsletter Issue 55: Managing Burnout
In a world where more of us are increasingly working remotely, the issues of exhaustion, burnout and digital fatigue have become more pronounced in recent times. The implications on mental health and quality of life are real. Here are insights and resources that I hope can help us better understand the nature of the burnout that we may experiencing. More importantly, we can learn to manage, uplift ourselves and also the people around us.Read more
Newsletter Issue 54: On Leadership
Leadership is the act of guiding a team or individual to achieve a goal through direction and motivation -- and there is a leader in all of us. This issue contains insightful resources and pointers that touch on the various under-talked about but important aspects of leadership. I hope this inspires us to not just exercise good leadership in our daily lives as individuals and organisations, but more importantly, help us get through and thrive even in difficult times.Read more
Newsletter Issue 53: Productivity, Personal Effectiveness & Meaning
As our personal lives get increasingly intertwined with our work in this season, it becomes more important than ever to find ways to devote our energies to become more effective & productive as individuals. Here, I'd love to share with you on some resources and powerful ideas on how we can not only become more productive, but also make our work & daily life more meaningful in the process.Read more
Newsletter Issue 52: Living A Good Life
What does it mean to lead a good life? The meaning of a good life, or life for that matter, is subjective. But there are some evergreen truths and wisdoms that we can all live by that help us gain the most out of life even through obstacles and challenges. In this issue, I have put together for you a series of insights, tips & advice by some of the best thinkers throughout history on how to live out a good life. I hope these resonate with you.Read more
Newsletter Issue 51: Dignity and Why It Matters
Dignity is the state or quality of being worthy of honour or respect by virtue of being human, and every person has an intrinsic need to feel valued and needed. Yet, in our world, there is often a gap between the ideals and realities of how dignity is accorded to individuals across age, gender, social statuses and financial positions. In this issue, I'd like to bring attention to the topic of dignity, and the ways which we can protect & honour the dignity of others and ourselves.Read more
Newsletter Issue 50: Empowering Women In Our Midst
Women have long played a huge part in our society and economy. When it comes to uplifting women, the work extends beyond just international women's day or month. In fact, it requires continuous effort from not just leaders, but also every day folks like us to recognise and appreciate the great potential of women in our lives. In this issue, I'd like to share insights on how we can be enablers of women's progress while staying aware of the realities and struggles they may face. I hope this helps us in empowering the women and girls in our midst.Read more
Newsletter Issue 49: The Gift of Paying It Forward
When was the last time you received kindness from somebody? When was the last time you extended an act of kindness to someone else, and to what end? As it turns out, there can be tremendous merits and outcomes in paying forward a kindness received with a good deed to somebody else, especially when done out of gratitude. The concept of "Paying It Forward" is nothing new, but in our world, I believe we could do with more compassion and selflessness as it brings out the best in us.Read more
Newsletter Issue 48: Done is Better Than Perfect
As we begin a fresh year, it is a good idea to not just evaluate ourselves based on the previous year on how we have been managing our lives, but also to find out ways to become more productive as we move along. In this issue, I'd like to share with you some powerful ideas on productivity and how we can make the best of our resources, time, energy and capabilities. Let's do this!Read more
Newsletter Issue 47: Of Languages, Love and Possibilities
In the words of Poet Ali in his TED Talk, "Every language we learn is a portal by which we can access another language"; the more we know, the more we can speak. To round off the year, I'd like us to take a moment to learn new concepts, stories and ways of seeking and connecting, which will empower us to adapt to the needs of others & ourselves in the way we relate, love, heal, and see possibilities. I hope this inspires you.Read more
Newsletter Issue 46: Guiding Principles and Tips on Taking Charge of Finances in Our Lives
In a year where many of us are affected and perhaps feel powerless over our incomes amidst a pandemic, it is a good time to take stock of our financial health and confront our feelings about them & the way with deal with them. Whether we are young, middle-aged or senior, here are some important principles & practical tips on money management that we can fall back on which can go a long way into helping us optimise our finances and become financially wiser.Read more
Newsletter Issue 45: On Teaching, Learning & Growth
All of us would have people around us that we learn from in our lives. And people whom we in turn teach and need to be accountable to at some point - as students, working adults or parents. The better we are at relating and leading others into growth, the better we become as individuals. In this issue, I hope we can draw some lessons and wisdom from these materials that can help us cultivate values and cultures that we want in our lives and lift us up.Read more
Newsletter Issue 44: The Ability to Rethink & Reassess Our Minds
As humans, we often like to think we're right, even when we can be wrong at times. Many of us have the unconscious tendency to seek information that support our existing beliefs & disregard or undermine those that do not match ours. But doing so without awareness or questioning can have adverse effects in the way we think, make decisions & live our lives. Today, I'd like to share with you some potential consequences of confirmation bias & what we can do about them.Read more
Newsletter Issue 43 : Staying Grounded in Things that Serve Us
The world as we know it has changed for good on pretty much every level - from our lifestyles, to habits, to incomes and economy. As we navigate our way and find our place in trying times, it is important to stay grounded and keep the faith as we focus on seeing and creating opportunities, solutions & meaning. While there are no quick fixes in times like these, there's still a space for us to find ways to improve and cope better in our lives. I'd like to share them with you in this issue. Let's keep our heads up in choosing to persist in hope & good thoughts, and I believe we will emerge stronger than before.Read more
Newsletter Issue 42 : Moms Never Retire?
As they dedicate their love and lives to their households and make constant sacrifices for their family’s & children’s well-being, mothers never retire. For all these, moms deserve more thoughts besides during Mother’s Day. But should mothers also think about planning their own retirement — financially speaking? In this issue, as we give tributes to all mothers, we would also like to give thoughts to a mother’s financial freedom. Mothers deserve a worry-free retirement as well.Read more
Newsletter Issue 41: This is the 8th Wonder of the world - Einstein
Albert Einstein said, "Compound interest is the eighth wonder of the world. He who understands it earns it. He who doesn't, pays it."Read more
Newsletter Issue 40 : Mastering the Skill of Learning New Skills Fast
Today's phone in our pocket has 100,000 times the power of the computer that landed man on the moon 50 years ago. Our world is evolving at breakneck speed today. The World Economic Forum projected that more new jobs will be created compared to the ones lost. Uncertainty remains about what these new jobs would be. But the time to change our approach to learning new skills has come. The time is now. The 4th Industrial Revolution has begun.Read more
Newsletter Issue 39 : What is hurting Employees and Employers
There are many new things to deal with at this time while we are being isolated from life-as-usual. A new lifestyle, a new future and something that can be quite subtle - a new kind of burnout. It should do us well to be aware about this so we can learn to disengage when we need to. I wish you and your loved ones good health and may you continue to stay safe!Read more
Newsletter Issue 38 : Holding Space in Difficult Times
Amidst a pandemic, the profound impact & discomfort of loss or the prospect of loss is felt almost universally. We may find ourselves and even those we care about feeling anxious & restless, which makes it challenging as we find ways to adjust not just physically, but also mentally & emotionally. At this time, emotional support for one another becomes ever more essential. Here, I'd love to share with you insights that can help us have a deeper understanding on the complex emotions that we may be dealing with, & the ways in which we can provide meaningful social support in our daily interactions through being present & holding space for others.Read more
Newsletter Issue 37 : Covid19 - No turning back from a new future and reality
What the eyes cannot see is bringing countries to their knees as we write. The full impact of Covid19 is still unknown. It has ushered in a new reality for the World. Our lives will never be the same again. And Covid19 won't be the last. While we #fightasone, let's see how we can prepare ourselves and our children for this new future - together. Here are some good reads that I believe can help us rethink this new future and its possibilities. If you find these resources useful, please forward them to those you care about, especially at a time such as this. Cheers!Read more
Newsletter Issue 36 : Make these 6 decisions
Here's wishing you and yours a very fruitful 2020, and the best is yet to come! Another year, and what better way to start it with a collection of thoughts that might turn out to touch your life for the better? I hope you could find something useful and share along with those you care about too. Cheers for a blessed 2020!Read more
Newsletter Issue 35 : When the going gets Rough
When the going gets rough, it can at times be easy to lose sight of what we set out to attain in our lives, be it in our personal endeavours, work or finances. The process of going & pushing through such situations may not be most comfortable, but persevering and talking about how to handle them is necessary. These are perspectives I found useful and inspiring. I hope this gives you hope.Read more
Newsletter Issue 34 : Trust, Relationships and Emotional Security
In many ways, relationships are key to our well-being, as trusting, fulfilling relationships lay the foundation for our emotional health and security. But to work through relationships and trust matters aren't always linear or clean - they can be messy and raw. Here are some articles that I found incredibly valuable that enrich us in our personal and professional lives.Read more
Newsletter Issue 33 : These are simply worth sharing with you
Change is hard. To force change is harder. They usually don't last. Perspectives however, are easier to accept. They change our minds and maybe that's what we need more than change itself. I hope you enjoy these articles.Read more
Newsletter Issue 31 : The Power of Tiny Gains
These are some rather transformative articles that could help you and those you care about. So please be free to share them. I hope you find them beneficial. If you like them, do drop me a note and I'll be very glad to know I've added value and touched someone.Read more
Newsletter Issue 30 : How the World forgot to sleep
The lack of sleep being linked to chronic illnesses like diabetes and heart disease isn't a happy story. Certainly not for those of us who are more conscious about building happiness in life. Please share this newsletter issue with those you care about. We can impact lives together!Read more
Newsletter Issue 29 : Don't leave life without it
The Bucket List - chances are that you may not have made one. It is an interesting journey that we can take together. It's also a lot easier taking a peep at some of the most inspiring bucket lists that we have put together to share with you. Let's start one and live it out!Read more
Newsletter Issue 28 : 8 Ridiculously Good Recipes That Only Take 15 Minutes
Since our taste buds are not working like black and white TVs. We know it's meant for some tasty good food. Yummy! Let's stay healthy, and also up our knowledge about making some nice interesting food. Here are some really good resources curated for you.Read more
Newsletter Issue 27 : Life's most Powerful Lessons
There's a man in Singapore, that every time he concludes a business deal, he would go buy a plant and plant it somewhere. It's a simple way of giving back. He was also able to disengage and be with himself while doing something meaningful, albeit how simple it was. In this issue are some more examples of such life's lesson that we can benefit from. All we need, is to just take some time, slow down and breathe in the fresh air.Read more
Newsletter Issue 26 : 3 Financial Wisdom from a woman with 3B Net Worth
There are just too many things that we know to be good for us, but have not yet become a part of us. Applying wise financial habits may be one of them. Here are some to learn about by seeing them from the eyes of a very successful woman - Oprah Winfrey. Change requires conscious efforts. I hope some of these thoughts will begin to be a blessing in your life. Cheers.Read more
Newsletter Issue 25 : Come 15th May, Singaporeans have One more thing to be proud of
In case you missed the news, besides the big 3 - US, Russia & China, tiny Singapore would be the next to send a human into Space using a helium Stratospheric balloon capable of lifting an SUV. This is a 5 years arduous journey filled with many inspiring stories. A Visionary who saw the possibilities, followed by 150 applicants to be Singapore's first Astronaut, and finally an extraordinary individual to make the trip, laying his life on the line. Yet his project isn't about Space. It's about creating a better mental model for Singaporeans - that with the heart, mind and grit, we can do great things. Enjoy this historic moment.Read more
Newsletter Issue 24: The Interesting secret
Or rather, this issue is about learning the secrets of being interesting. Even calling it a secret is a little too much. In today's world of overwhelming information overload, it's about paying attention to certain things that some people do to make themselves more interesting than others. We can all do better in life with a little dose of this knowledge. So let's dig in!Read more
Newsletter Issue 23: The way we Think
In this issue, I'd like to do something different. All of the highlights are very interesting videos from TED talks about the way we think. The videos are between 15 to 30 minutes, but they are well worth your time I promise. Hope these resources will help create marginal changes in your life every so often. Let's be enlightened together!Read more
Newsletter Issue 22: Why Happiness is linked to Deep Talk
Research seems to point to the fact that those who engages in deeper conversations with others are happier people. This is what I call a happy finding. It levels with what makes us human. We speak, we listen, we feel, we learn, we take and we give. And deeper conversations allow us to lift each other up.Read more
Newsletter Issue 21: Half of the jobs in 2020 are not yet known
In the last issue, we discussed how robots will change our lives in the future. It has become increasingly important for us to keep our minds on the ball, stay sharp and stay progressive. If half the jobs in 2020 are yet to be known to us, how can we prepare ourselves and our children today? To face a fast changing future, we need to first understand it. We need to try and take a peek into this future and start to embrace change.Read more
Newsletter Issue 20: Your Life is About to Change
We have come to a very unique juncture in time, where we are transitioning into the 4th industrial revolution. This is a time where technology as we know it will start to escalate in its rate of change. Our lives and jobs will surely be impacted. But how? It is time to consider this and take stock of where we might stand now and three to five years later.Read more
Newsletter Issue 19: The Indispensable Power of Story
From a parent to a child, between friends and professionally in the workplace - there's something special about the role of story telling. And we've a lot to learn from the world's great story tellers. Some of the best are comedians, public speakers and politicians. But there's more. I hope the following articles will help you get started in this interesting journey of learning and exploration.Read more
Newsletter Issue 18: Retirement dream vs reality
It's been a while since the subject of Retirement was discussed. In this issue's video, it's quite interesting to see how children have different ideas about Retirement. I'm sure all of us have our ideas as well. Yet life can mercilessly erode these dreams. But not if we are really serious about them. So how serious is your retirement dream?Read more
Newsletter Issue 17: Some things don't change
The future seems to come at us at a faster pace than before. It brings along with it many questions. Will automation take over our jobs? What new jobs will be created? And which existing ones will be obsolete? How can we survive? Yet some things don't change. Understanding the things that will change and those that won't can help us carve out a better future.Read more
Newsletter Issue 16: 2 Tips from a 116 year old
Most of us find it hard to change even when we know we need to. If only it's as easy as a walk in the park. But once in a while, a certain change of perspective is all it takes. Hopefully, today can be one of those time for you. We can gain some insights and wisdom from these articles that are worth sharing.Read more
Newsletter Issue 15: The thing about Time management
Do we need to get better at time management? Or do we need to instead think about Time itself? More specifically, what it means to us - with the very limited time that we have. The answer would be different for each of us. But I'm rather certain that taking time to ponder about Time itself can be a fruitful thing to do.Read more
Newsletter Issue 14: What you need to beat Diabetes
The World Health Organization's latest report says diabetes has quadrupled in the past 34 years. It's certainly something that we should care about. Not just for us, but also our loved ones. Here's a starter to help us understand and prevent this disease better.Read more
Newsletter Issue 13: Hipster Hawker Stalls - Yummy!
Health is important, so is a good life and great food! One of the great thing about being in Singapore is that there's always new food places to explore. In this issue, I'd like to bring you to a couple really good yummy places - wrapped up with a hilarious video you don't wanna miss.Read more
Newsletter Issue 12: Oh how beautiful, beautiful, beautiful!
Singapore is growing as a cultural center. But why is Art important? And how can Art, in its many forms make our lives better? Deep within all of us, there's a need for expression and appreciation. There's certainly more for us to explore and learn about Art. Do not miss the video below. Oh how beautiful this is ~ a celebration of art and life!Read more
Newsletter Issue 11: Secrets of the Heart - Uncovered
It is always quite refreshing to discover new things about our health. In this case, Vitamin C is one of those surprises. Do watch the video below till the end ~ it could be a life saver. But please seek your doctor's opinion as well.Read more
Newsletter Issue 10: The result of reading
The more we read, the more we can share. And sharing is caring. Here are a few interesting articles I'd like to share with you in this issue of my newsletter. Remember to pass it along to those whom you care about too.Read more
Newsletter Issue 9: This isn't the bucket list
It isn't the bucket either. One good news is that more people are now surviving cancer. The other good news is that life expectancy has increased from 75 to more than age 80. But hold that thought for a moment - it's only good news if one is financially prepared to survive such a critical challenge.Read more
Newsletter Issue 8: Creativity
We may have thought that creativity is a realm belonging to a selected few. But is it? In this issue, we explore together some interesting stories that may strike a chord of inspiration for you. You can be creative too.Read more
Wall of Trust
Testimonials & Referral Notes
Always with us
Hi Karna ,
Hello Karna & Partner, good afternoon on behalf of my family I would like to say big thank you for your kind support through this few years with us.
No doubt everyone busy with other family matters & working schedule, you & partner never forget our family. Hopefully with the right time we shall meet up again so we can catch up with the new updates on the policy and have some lunch at our home
We value you & partner for the service that’s given to our family Salute & Respect ✊
Thank you for your support and love
Hi All my Family, Friends & Clients ,
Thank you for all the love and trust that you place in me. 2020 was a unique year and we managed to pull through it together. Let's continue to work hard towards our goals and dreams and towards a better future! Stay safe and we will ride through 2021 together smoothly too!
Excellent Service & Follow-Up
Ever since I swapped Insurance company, I have had no regrets. Your service and follow-up has been excellent. You always keep me updated of any changes to policies. Also, your personal touch of sending cards/gifts on special occassions truly show your dedication and sweet gesture.
I highly recommend you to anyone considering taking up any policies.
Hi Jun & Karna,
I had an very interesting session with Karna and Jun. I am able to understand the plans better as it was explained in perfect and detailed manner. Thank you for the interesting session.
Dedicated and friendly
Hi Karna & Jun,
Karna and Jun is very nice. They give exactly what I looking for together with great advise on what I can add on to it. Good job and keep it up.
Kenny & Silvia
Karna and Kamen 是两位都很敬业的年轻保险经纪。他们都很有耐性解释不通有意的保险配套，也常常提出对我们都很有利的财务建议。认识了他们那么多年，我对他们的服务都一直很满意。有了他们的协助，我能更好地管理名下的保单等等。希望他们再接再厉，继续带给为更多人最佳的服务。
Mr Koung, Business Owner
Meet someone patient
Karna and Kamen have been amazing consultants since the day I met them. They are always so patient and take the time to understand what my family needed before recommending us the best plans to get. They also often go the extra mile to help us in collating our previous insurance records in order for us to get a much better idea of what we have.
I think it's really important that consultants are well-versed with the entire spectrum of products and Karna and Kamen never fail to deliver and are always able to explain all these policies in the simplest way possible which is easy to understand.
Their passion and dedication towards their work is also very inspiring. Thank you for all the help thus far and I'm looking forward to more advice from you both in future!
Filbert, Business Owner
Meet someone detailed
Hi Everyone ,
Karna is very detailed in explaining to me the features of the plan and to ensure I know what I am signing and she is very accommodating to meet my time during our meet ups.
Meet someone awesome
Hi Everyone ,
Hey Karna and Kamen! Thank you so much for your advice over the years! Great meet up for my yearly review nearing to my birthday ! To make sure i am well align with my age, health, financial planning! 🌟😁🌟🎁. Always Awesome to know i am well covered and how to grow wealth and protect my family and love ones !
Thank you for your trust and support!
Hi All my dearest clients and loved ones,
Thank you for your support and trust and for contributing to my achievements. I will continue to strive to do my best for each and everyone of you and continue to be the guardian of your families and dreams.
Let's work together to have another fulfilling year ahead!
With Love & Gratitude,
Friendly and Professional Agent one could ever get
Hi Everyone ,
Karna is a friendly person who I have known since secondary school days and am glad that I chose her as my AIA agent ☺
She is someome who is full of knowledge in her line of work as well as an approachable agent as she have answered all of my queries in terms of the different types of plans that AIA could offer.
I am really thankful that I have Karna to assist my family and I with our insurance savings plan.
Hi Everyone ,
Meet someone with Caring
Insurance is very important and hence we need to find a reliable agent to oversee our plans. My friend introduced us to Laura & Karna. They are very patient and accommodating. They explained to us thoroughly and make detailed comparisons between different companies. They are always there for us whenever we need them. They are truly 5Cs!
Look no further if you need someone to take care of your insurance portfolio!
Alex, Cherie & Taerius
Meet someone understanding
Hi Everyone ,
I got introduced to Karna & Kamen via a facebook ad late 2018 and did not have much expectations before the meet and just wanted to give a try. Instead of trying to sell what they wanted to sell me, they tried to understand my needs & constraints and tried to get me a product that would suit my needs. Since then they’ve helped me with all my insurance needs.
Meet someone patient
Hi Everyone ,
Karna is always patient with my questions and needs. As I don't stay in singapore and my needs are different from the rest she listen and helps me to plan out an insurance plan that cater for me and my kids.
She is very responsive and easily reachable. Her well-equipped with knowledge makes me have confident in her. Been introducing some of my friends to her and no complaints from them.
Thank you for being my Insurance Agent. Highly recommended A* agent. 🤩
Ever so Patient!!
Thanks Karna for being so patient with my questions and needs! Appreciate your help and sincerity that you put in for your clients & your working attitude is motivational. Thank you for being part of my insurance journey and I know I can rely on you 😉
Pretty AIA Agents
Hi Everyone ,
Happy to have these pretty ladies to help me out with all my insurance policies! I believe with them and AIA, I’m all in good hands
Meet someone responsible
Hi Everyone ,
Karna is one of the best agents I have met. She can very well understand your requirements and identify plans that best suit me at different stages of my life planning. Well-equipped with knowledge, she is able to greatly assist not only for personal requirements but also for my business.
She takes effort to simplify things so that it is so easy and clear to understand, especially helpful if you’re not someone who likes or are familiar with financial terms and concepts.
A very responsible and professional agent who you can always trust and rely on at any time. Also a sincere and genuine person who felt like a really long time friend!
Thankful for her help in getting my life well-planned and protected. Highly recommend her service! Two thumbs up 👍👍
Denise, Business Owner
Professional and reliable agent for recommendation
Karna is professional and prompt in providing excellent financial services. She is objective in providing non-biased advice to client. A reliable agent to work with.Thank you, Karna.
Protection for Businesses
Hi Karna & Matthew,
The sharing today is really beneficial to my business development plans and protection moving forward as it grows and faces more financial demands and challenges.
Thank you so much for the fruitful session.
Meet someone patient
having good time with Karna, patient and understanding when explaining. lovely and cheerful person. accommodate and advise solution according to my lifestyle😎👍
happy with the services
keep it up, Jia you!
Meet someone committed
Hi Everyone ,
Karna is very committed to work and treat her clients like friend. She explains my new policy with her and even go to an extra mile to compile all my policies. She has many pipelines on financial services and share update on any new products. I am very grateful to know this sweet lady.
Meet someone trustworthy
Hi Everyone ,
I've known Karna since 2016 and she has been someone whom I could trust since then. She is someone who will always be there for you and will always respond to your questions without fail. She is definitely someone you can depend on to protect /insure yourself and your family. Thank you for all the support and looking forward to many more years!
Meet Someone Genuine
Karna is detailed with her work and is genuinely interested in me and my family's well being while assisting and answering all my queries with patience.
You are definitely in good hands when you plan with her.
Responsible and Cheerful Agent
Hi To everyone ,
Karna is a very responsible, kind and cheerful agent. She knows her product well and will recommend the most suitable one. She also puts in extra effort to rearrange all (including other companies) policies i have into a file so that I have a clear idea on how well and how much I am covered. Thank you for your effort babe <3 <3 <3
This is not an official AIA web profile. The views and opinions expressed in this publication are those of the author and do not reflect the official policy or position of AIA Singapore Private Limited (Company Registration No. 201106386R) (AIA), any other agency, organisation, employer or company. Assumptions made in the analysis are not reflective of the position of AIA other than the author.