Financial Photography

28/06/2022

In the face of rising interest rates, how would this affect you and should you be concerned?

On 16 June 2022, the US Federal Reserve raised its benchmark interest rate by 0.75% - the largest hike since 1994.

23/05/2022

我带着满心感谢及荣幸获颁2022年度FAQC卓越品质优等奖。这是加入Financial Alliance 这十年以来的第十座。
这十年的漫漫长路，一路走来经历过几番起伏波折。离开了银行业的舒适区，来到了理财咨询的领域以及随之而来的未知与不稳定。
过去的一年对我来说是一段异常艰难的时期。各方面突如其来的状况接踵而来。尤其健康方面连出状况。所谓健康就是财富，一点都不假。这一年来接受各项治疗的过程不仅身心疲惫，也很难专注兼顾业务。虽然家里已经收藏了九座类似的琉璃奖座，今年这座对我而言极其珍贵，也别具意义。因为它是逆风逆境的环境中努力换来的肯定。

在这里，我想把所有的荣耀归给主耶稣。当然，也不免俗地要把这份得来不易的殊荣分享给多年来支持我的客户们。没有你们的给予的机会、包容与谅解，就不会有这份奖项的肯定。我很庆幸有这么多优秀的好客户，不断积极地向周围的亲朋好友提供良好的见证并推荐给我认识。这让我从事这项行业以来无需进行任何冷电与陌生开发。

事实上，我一向不看重奖项，也几乎不看业绩报表。对我来说，只要取得客户对我的信任以及通过工具与技术提高服务客户的效率和生产力，业绩与奖项只不过是为客户提供优质服务的过程中所产生的副产品。

非常感谢公司强大的投资和保险后方支援以及先进的资讯科技设施。多亏公司管理层够远见，20年来建立了诸多内部应用软体系统，我才能够在冠病确诊或接受医疗期间无法面会客户的情况下进行产品比对，并通过非面会程序签单。有不少人质疑应用科技来接触客户进行咨询是否会剥夺了财务顾问与客户关系中应有的人情味。作为实践金融科技的倡导者，我认为高科技(High-Tech)和高接触(High-Touch)在现时环境中绝对可以齐头并进。关键在于怎么取得一个微妙的平衡，正确使用适当的技术与适合的客户群互动取得更好的协同效应和双赢结果。我不就是个活生生的案例吗？

展望未来，这份事业上要走的路还很长，要学的事还很多。道路不一定平坦。但我坚信只要持着正向与积极的态度去经营这份事业，任何困难都会迎刃而解，未来的路还是有无限的可能。
若您希望与一名公正、以客户为中心的伙伴数位财务规划师一同策划您的财务未来，欢迎致电。

23/05/2022

I am both humbled and grateful to receive the FA Quality Class - Merit 2022 award - my 10th in as many years with Financial Alliance.

It’s been a long 10-year journey thus far with Financial Alliance, with its fair share of ups and downs, having left my comfort zone in banking and embracing the uncertainty that comes being in the financial advisory industry.
The past year has been an exceptionally difficult time for me as I grappled with battles on many fronts, especially in terms of my health, while juggling my business. That is why despite having 9 other similar trophies in my collection, this year’s award is particularly precious and meaningful, given the headwinds and adversity I’ve had to brave.

I wouldn’t have been able to pull this off without the support of my very collaborative and understanding clients. I am tremendously blessed with such good clients who have continously provided referrals and positive testimonies such that I did not have to make a single cold-call from day one of my financial advisory career.

That said, awards have never been my focus. In fact, I rarely look at the numbers. To me, these are by-products of the trust that my clients have placed in me, and the relentless search for tools and technologies that enhance my efficiency and productivity, allowing me to focus my energies on activities that serve and represent the interests of my clients.

I’m very thankful for the company’s excellent investment & insurance support and IT infrastructure, the latter which has enabled me to serve my clients non-face-to-face whenever I was confined either due to COVID-19 or during the numerous medical treatment sessions. Skeptics have questioned whether the use of technology strips away the human touch in our role as a trusted financial adviser. As an advocate of digital financial advisory practices, I’d say high-tech and high-touch goes hand in hand in the environment we operate in today. For me, it’s a delicate balance where the right usage of the appropriate technologies with the right customers creates better synergies and win-win outcomes. Nothing could be a better testament to this than the results and experiences I’ve reaped while navigating a very challenging 2021.

Reflections and inflections aside, I am still hopeful and positive about the road ahead. I am looking forward to work with and serve more people who could benefit from an unbiased, customer-centric digital financial advisory partner in 2022 and beyond.