Chia Xian Min

Financial Services Consultant

“Just do what’s right for the people, accolades are just by-the-way.”
Chia Xian Min

The story of a family, including a husband, wife, 2 young children and an elderly mother, highlights the critical importance of 𝗣𝗥𝗢𝗣𝗘𝗥 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 & 𝗘𝘀𝘁𝗮𝘁𝗲 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴. 

The husband, at the 𝗮𝗴𝗲 𝗼𝗳 𝗼𝗻𝗹𝘆 𝟯𝟱, was diagnosed with 𝘀𝘁𝗮𝗴𝗲 𝟰 𝗻𝗼𝘀𝘁𝗿𝗶𝗹 𝗰𝗮𝗻𝗰𝗲𝗿 and given a prognosis of just 𝟲 𝗺𝗼𝗻𝘁𝗵𝘀 𝘁𝗼 𝗹𝗶𝘃𝗲. He was the primary breadwinner for the household, which included two young children aged 1 and 6. He had 𝗡𝗢 insurance coverage, but fortunately, his employer provided excellent insurance benefits. The chemotherapy he underwent had side effects that caused him to 𝗹𝗼𝘀𝗲 𝗵𝗶𝘀 𝘃𝗼𝗶𝗰𝗲, leading to his 𝗲𝘃𝗲𝗻𝘁𝘂𝗮𝗹 𝗷𝗼𝗯 𝗹𝗼𝘀𝘀. His wife had to take on 𝘁𝘄𝗼 𝗷𝗼𝗯𝘀 to compensate for the lost income, which meant she couldn't spend as much 𝘁𝗶𝗺𝗲 with their children.

The husband, 𝗯𝘂𝗿𝗱𝗲𝗻𝗲𝗱 𝗯𝘆 𝗴𝘂𝗶𝗹𝘁, had been a senior engineer before his voice loss, but was 𝗳𝗼𝗿𝗰𝗲𝗱 to take a job as a janitor in a mall as 𝗡𝗢 employers were willing to hire him. This challenging situation persisted for 𝟭𝟱 𝘆𝗲𝗮𝗿𝘀 until the husband eventually 𝗽𝗮𝘀𝘀𝗲𝗱 𝗮𝘄𝗮𝘆, leaving behind an 𝘂𝗻𝗽𝗮𝗶𝗱 𝗛𝗗𝗕 𝗹𝗼𝗮𝗻, as he had battled cancer at too early an age, and even HPS (Home Protection Scheme) did not offer coverage for him. Their children took on part-time jobs to help with the final expenses, 𝘁𝗼𝗼𝗸 𝗼𝘂𝘁 𝗹𝗼𝗮𝗻𝘀 for university education, and eventually managed to pay off the mortgage loan. 

This story is of my parents and my wish is 𝗦𝗜𝗠𝗣𝗟𝗘, for other families to 𝗡𝗘𝗩𝗘𝗥 have to endure the hardship that my family faced through 𝗣𝗥𝗢𝗣𝗘𝗥 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 & 𝗘𝘀𝘁𝗮𝘁𝗲 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴. 

𝐈 𝐚𝐦 𝐜𝐨𝐦𝐦𝐢𝐭𝐭𝐞𝐝 𝐭𝐨 𝐝𝐞𝐥𝐢𝐯𝐞𝐫 𝐂𝐨𝐧𝐭𝐫𝐚𝐜𝐭𝐬 𝐨𝐟 𝐋𝐨𝐯𝐞 (𝐟𝐨𝐫 𝐟𝐚𝐦𝐢𝐥𝐢𝐞𝐬) 𝐬𝐨 𝐭𝐡𝐚𝐭 𝐭𝐡𝐞𝐲 𝐜𝐚𝐧 𝐋𝐢𝐯𝐞 𝐥𝐢𝐟𝐞 𝐰𝐢𝐭𝐡 𝐝𝐢𝐠𝐧𝐢𝐭𝐲, 𝐭𝐨 𝐛𝐮𝐢𝐥𝐝 𝐚 𝐋𝐢𝐟𝐞 𝐰𝐢𝐭𝐡 𝐥𝐞𝐠𝐚𝐜𝐲.

ABOUT ME

WORK

  • Assistant Vice President, Financial Services

  • Green Apples Advisory Branch, Manulife Advisory Group

  • Executive Council Member of IFPAS, Hon. Treasurer

CREDENTIALS

  • High Net Worth Advisor

  • Manulife Pro Advisor (Platinum) 2023/2024

  • MAG Titans Club 4 Star

  • Member of MDRT 21/22/23 COT 24

  • BFA (Second Upper Honors), Nanyang Technological University of Singapore (NTU)

Recent Testimonials - What my Clients Say

  • I will definitely recommend Xian Min!


    With zero interest in numbers and basically financially illiterate, Xian Min was very patient in explaining all that I need to know in layman’s term. She didn’t judge my novice questions and is able to answer and articulate her thoughts clearly.

    I will definitely recommend her as she plans according to your needs and is not pushy to sell you plans that rewards her with a higher commission.

    Kai Ling
    Freelance Designer

  • Truly humbled and happy to have Xian Min as my FSC!


    My Financial Services Consultant always update and propose plans that are suitable for each phase of my life. From the start of building my career up, setting up my own planning, having kids and ultimately retirement plans.

    She is someone who cares and plans according to her client's needs and expectation.

    Truly humbled and happy to have Xian Min as my FSC!

    Min Yi
    Assistant Vice President

  • Genuine and dedicated!

    Xian Min is Informative and professional. She has a genuine and candid personality and is never pushy.

    She has helped me to plan ahead for all short/medium/long term goals. Her planning is realistic and reasonable.

    I will highly recommend Xian Min to my friends and family.

    Mr Sean (Zi Kai)

  • Xianmin's authenticity and responsibility set her apart.


    I connected with Xianmin through our shared interest in crystals, and I must say, she really standout as Financial Service Consultant (FSC).

    Over the past 8 years, I've encountered many FSCs but Xianmin's authenticity and responsibility set her apart. She doesn't resort to hard selling tactics; instead, she brings her own unique approach to helping clients like me achieve our financial objectives.

    Xianmin's dedication to understanding and supporting my goals is truly remarkable. Despite my struggles with saving and planning for the future, she has patiently guided me towards success.

    If you're seeking someone to assist you in reaching your financial aspirations, I wholeheartedly recommend Xianmin as the ideal FSC. In just three words, I'd describe her as responsible, authentic, and approachable.

    Darren
    Ecommerce Executive

  • Xian Min always has her clients' interests at heart.


    Xian Min is both a dear friend and a trusted advisor. She takes the time to understand my goals first and it is never about trying to push for a sale that doesn't meet my needs.

    She always has her clients' interests at heart, and is genuinely passionate about what she does.

    Elwin Chan

  • Ensure that I'm adequately covered!


    Xian Min is a friend I’ve known for over 25 years. She helped me ensure I’m adequately covered in case of any accidents/medical issues. She is sincere in ensuring I am sufficiently insured and financially secure. She has also helped other family members.

    Ms Kimberly

  • Xian Min tailors the best financial strategies for us.

    Xian Min tailors the best financial strategies for us. She helped us to lay out all our financial details and advise if there are areas that we should have more and reduce according to our risks appetite or needs weighed. This really helped us to have a clearer picture of our family’s finances now and for the coming years ahead.

    Xian Min is very responsive and even when certain issues are out of her scope, she quickly links me to someone who can help. I will absolutely recommend Xian Min to my friends and family.

    She is also different from other service providers as she is very to the point and at the same time always approachable. I felt that other providers can be very long winded.

    Kimberley Tan
    Physiotherapist