With a foundation in Biomedical Sciences from polytechnic, I was qualified to pursue a local university path. Instead, I made a deliberate decision to take a harder, less conventional route — enrolling in ACCA accounting part-time while entering the workforce to build real financial grounding early.
I joined HSBC, balancing full-time work with night classes that often ended after 10pm, before returning to the office to complete my responsibilities. That period shaped how I think about money, discipline, and long-term asset building — not as theory, but as lived experience.
Over the next decade, I worked closely with hedge funds and fund houses across HSBC and Citi, focusing on fund valuations — understanding how assets are priced, how numbers move through cycles, and how market fundamentals translate into real value.
Driven by curiosity and grit, I later pivoted from banking into F&B — starting from scratch, learning kopi techniques hands-on, and showing up daily at 4am at a friend’s kopitiam. Within four years, we built 4 outlets in the CBD and successfully exited branches to franchisees at six-figure valuations.
My own property journey mirrors how I advise clients today. We stepped out of the familiarity of the East to start afresh in Punggol, experiencing both a lifestyle shift and our first capital growth through a BTO. Riding the TEL expansion, we grew our second property asset within just three years.
Today, that same mindset — combining data, foresight, and family values — guides how we help families move toward their next chapter.
Because a matrimonial home isn’t just part of your net worth;
it reflects how a family grows, plans, and aligns for the future.
