Mrs Christine Low .A Retiree /Ex teacher

I knew Serene Ho as my Economics student in Raffles Institution in 1970s, a bright and diligent student! I reconnected with Serene at a class reunion and when I learnt that she has become a successful consulant with Prudential , I approached her for financial advice for my grandchildren back in early 2000. She spent time advising me on how to provide for my my grandchildren’s future education . Serene patiently went through various options to help me understand the dfiferent benefits and this enabled me to make an informed decision based on my goals and dreams for them . I greatly appreciated her strong empathy , her skill and most of all her integrity. Early this year in 2022, I again consulted Serene on Estate planning to provide and protect my growing up 21 yr old grandson and 17 yr old grand-daughter . Based on their individual needs, Serene very painstakingly explained in a graphic manner the type of investments for my grandson and income protection for my grand-daughter. She helped me put in place what I wish for them to take care of them when I am not around, She had also accompanied me to settle my Will when I told her I needed to rewrite my Will and have my LPA done. Not only did she recommend me to a professional Will writer , she even accompanied me on all the 3 visits to the Will-Writer’s office to give me some much-needed advice and confidence. I appreciate the extra effort that Serene took in spending time with me to help address my nagging fears and concerns with regard to my estate planning . Her professionalism is indeed hard to come by nowadays especially when people are always in a hurry! I am glad to have found a consultant whom I can trust with confidence.

Mary Chiang . Physiotherapist

Serene has been my financial consultation for more than 15 years . I have learnt much from her . Serene consistently provides post sale support promptly. She will update me on the latest product that may enhance my asset without being pushy. I Have no reservation in recommending her service to my friends who require financial planning. Kudos to you Serene.

Wee Jin & Jean. Daddy & Mummy of Jay Ong

I was introduced to Serene through a friend in university and had my first policy with her in 2011. My wife and child have policies with her. When my child was just born, I remember that she sent us a gift hamper to congratulate us. When my child needed surgery later on, the claim procedure was smooth and uneventful, which can only be a good thing! Serene has kept in contact through the years and is not the sort to contact me out of the blue to buy more. When it was National Day, she even sent me a link to receive our nation’s flag (for free)!! What I find reassuring about Serene is that she has been in the business for decades. When you need help, instead of finding out your adviser has left for another job, it is nice to know that she will be there. She knows her products inside out, including all the nitty gritty, and gets back to you with information in a timely manner. Serene knows life has many demands and has helped my family and I get some protection for what is important.

Elaine Seah . Advisor YWAM

I’ve known Serene for more than 40 years and for most of those years she has served me as my insurance and investment advisor. I’ve stayed with her as I faced changes in my life’s profile and circumstance as she has understood and met my changing investment needs and preferences. When I needed a fresh briefing of insurances I had taken years past, she had been patient to re-explain the scope of the coverage and payment. She has served me well since she became my financial service provider that I’ve not found a need to look for another. I would recommend her to anyone seeking an experienced, knowledgeable and honest financial adviser whom you could work with over changing life’s seasons.

Mrs William Loh. Teacher

After my previous financial advisor left the service, I got to know Serene through a close friend. Serene has always been earnest about ensuring that the investments I make meet the needs of mine and of my growing family. Serene fully understands that I, as a full-time working mother, have lots of commitments to attend to. She is meticulous to ensure that I can financially manage the long term upkeep of my investments and stretches every dollar that I spent. She has gone the extra mile to advise about the importance of forward planning for possible early retirement. Over the years, she assumes great responsibilities to make regular check-ins on my well-being and is consistent in keeping me updated on any changes in my policies or market movements. She is a responsive go-to person whenever I have any queries about certain claims or policy matters, even if the claimant of concern was not her client. I loved it that her conversations with me have always been very objective, analytical and concise. I am grateful to have found such an attentive consultant like Serene to work alongside with me to meet my financial goals.

Sai & Nidhi . Engineer & HR Personnel

We were introduced to Serene recently through our property agent, who has been a guardian mother to Nidhi for the past few years. We are extremely grateful to Serene for taking time to share with us the importance and nuances of financial planning and insurance. Serene has impressed us with her approach to understand our background and priorities and customizing our sessions specifically to suit the needs of a young couple like us. The awareness we got is now going to help us make better and informed financial decisions. We also got exposure to financial planning tools she invested in and use that will help us plan and map out our future investments. No policies were pushed to us and no immediate sales pitches were made to quickly make us sign a policy. Instead, our background, current financial situation, future needs and plans were carefully considered and understood before even suggesting what we could consider. Options and recommendations were clearly summarized for us to consider and besides, all our queries were answered patiently and professionally. We greatly appreciate the customized and customer-specific approach Serene adopted with such patience and clarity. Young adults can not only sign-up suitable policies or start investments but also receive financial education with expert perspectives from her. Financial knowledge is the key to financial success. It doesn’t take long for us to see her sincerity, commitment and professionalism in the way she does her business , let alone all her existing clients over the 20 yrs and especially those who had begun their financial journey with her with all the necessary fundamental financial knowledge to make informed decisions confidently . Thank you, Serene for your invaluable service.