Financial Consultant

Role Overview

This role is for an experienced sales professional who wants to build a career in the High Net Worth (HNW) market. The Financial Consultant will advise HNW individuals and families, including Accredited Investors (AI), on wealth protection, legacy and estate planning, and wealth accumulation solutions. The role starts with a structured 12-month transition period for learning the HNW segment. From Year 2 onwards, the focus shifts to bringing in sales and closing cases with our existing introducer network.

Role Structure

Year 1 – Transition & Learning

• Focus on understanding the HNW space, product, planning and client-handling knowledge, and on integrating into the team and introducer network.

• Work alongside senior consultants on live HNW and AI client cases, from discovery to implementation, and gradually take the lead on more of each case.

• Complete the product and compliance training required.

• Get to know our existing introducers: their client profiles, their expectations, and how we work with them.

Year 2 Onwards – Sales & Case Closure

• Own the relationship with assigned introducers and convert referrals into successful cases.

• Lead HNW client engagements independently, from first meeting to policy inception.

• Take on full sales targets, with performance measured on new business, conversion rate and client retention and overall service standards.

Roles and Responsibilities

Client Advisory & Relationship Management

• Conduct in-depth consultations with HNW and AI clients to understand their wealth structure, priorities, objectives, risk tolerance, family situation and legacy goals.

• Provide advice on wealth protection, estate and legacy planning, retirement and income planning, and wealth accumulation, using the products and solutions available through our platform.

• Build long-term client relationships through proactive communication, regular reviews and a high standard of service.

• Act as the primary point of contact for clients and deliver a professional experience that suits the expectations of HNW clients.

• Work with our introducers which can range from banks, securities and law firms, family offices to provide personalized advice.

Financial Planning & Analysis

• Gather and understand clients’ personal and financial information, existing investments, existing policies and financial needs.

• Prepare and provide product comparison table for prospective clients.

• Conduct annual reviews of clients’ policy.

• Continue to service in-force policy requests from clients such as changes of beneficiaries, ownership or address, policy loans or surrenders with the Client Service Team.

Introducer Management & Business Development

• Manage and deepen relationships with existing introducers, and be their trusted point of contact.

• Work introducer referrals through the full sales cycle, from the first meeting to closing, and report on pipeline and conversion.

• Identify new opportunities for referrals and growth within the HNW segment through networking, client referrals and events.

• Prepare pitch materials, proposals and reports for introducers and prospective clients.

Market Knowledge, Compliance & Governance

• Keep up to date with HNW market trends, wealth planning solutions, products, regulatory developments through the various trainings provided by the Insurers and the Company.

• Ensure that all activities comply with MAS regulations and company policies.

Qualifications and Experience

• Experience: Around 2 years of sales experience (financial services preferred, experience from other fields will also be considered).

• Completed relevant examinations and fulfil the applicable regulatory and appointment requirements from MAS.

• A clear interest in moving into the HNW market and developing a long-term career in it.

• No prior HNW experience is required, but a willingness to learn.

• Diploma or higher qualification.

• Fluent in Mandarin and English.

• Singapore Citizen or Singapore Permanent Resident.

Skills & Attributes

• Strong consultative skills and the ability to build trust and long-term relationships with clients.

• Excellent communication and presentation skills, with the maturity and professionalism to engage HNW and AI clients.

• Strong analytical and problem-solving abilities.

• Eager learner who is independent around a dynamic working environment.

• Self-motivated and with the drive to take ownership of the work.