Position	Chief Executive Officer
Company	Global Millennium Financial Services Pte Ltd

Jasmi has more than twenty years of experience in the financial and investment industry.

Prior to starting Global Millennium Financial Services, Jasmi has built up a reputation of grooming great teams in several household name companies, such as Great Eastern Life and HSBC Insurance. Thru out his career he has also won numerous accolades and awards for service excellence and inspirational leadership qualities.

With a passion for excellence and gutted determination, he believes strongly in an uncompromising work ethics and leading by example. He puts his faith in his team and thru proper coaching, cultivates a self-belief and a passionate fire in them to achieve all that they set out to achieve. And with Passion, comes Excellence.

Position	Director, Head of Sales
Company	Global Millennium Financial Services Pte Ltd

Lelani Joanne Kassim is the Head of Sales in Global Millennium Financial Services Pte Ltd (GMFS). She has a total of 12 years of financial planning experience with many accolades under her belt. She joined GMFS in 2005 when it was founded.

Her achievements in the industry began early, with her bagging the Top Rookie Award in her company in 2001. She qualified for the Million Dollar Round Table for several years starting from 2002. She was also awarded the Elite Club Membership based on her excellent professional performance.

Joanne enjoys leading a well-rounded life, and loves spending time with her children aged 7 to 11 years. A parent volunteer at her children’s school, she also enjoys going to the movies and seeking out new food outlets for the family to enjoy.

Position	Director, Head of Recruitment
Company	Global Millennium Financial Services Pte Ltd

Working in a multinational company before joining GMFS in 2006, Khuzaifah has risen to the post of Director, Head of Recruitment in GMFS after only 3 years in the financial sector. Chief among her strengths are a strong will and a very positive attitude towards all challenges.

Her natural curiosity about financial planning led her to join GMFS, which she regards as having the best class of products for her loved ones and friends. Coupled with the flexible working hours and supportive company culture, Khuzaifah juggles work and family life (with 4 young children) with much aplomb and is affectionately known as our company’s “Superwoman” .

As a hobby, she enjoys reading as she feels it is her way to release her work tensions.

Position	Sr Financial Consultant Director
Company	Global Millennium Financial Services Pte Ltd

Already a veteran in the industry, Sebastian was an Independent Financial Adviser before joining GMFS. In all, he has 15 years of experience in the life insurance industry. A former colleague of GMFS’s CEO Jasmi Talib, it was a natural decision to him to join the GMFS family in August 2007.

He enjoys working in GMFS for its friendly environment and the close relationship the management shares with the Financial Consultants. He believes that when everyone is comfortable with each other, there will be progress.

Sebastian loves staying active and keeping fit with jogging, football, tennis and outdoor activities. In addition, spending quality time with his wife and daughter remains a priority that is close to his heart.

Position	Financial Consultant Director
Company	Global Millennium Financial Services Pte Ltd

Position	Financial Consultant
Company	Global Millennium Financial Services Pte Ltd

Position	Financial Consultant
Company	Global Millennium Financial Services Pte Ltd

Position	Consultant, Financial Planning
Company	RAY Alliance Financial Advisers Pte Ltd

Position	Consultant, Financial Planning
Company	RAY Alliance Financial Advisers Pte Ltd

About Joyce Tay, CFP

Position	Consultant, Financial Planning
Company	RAY Alliance Financial Advisers Pte Ltd

About Cynthia Tan Mei Peng

Position	Consultant, Financial Planning
Company	RAY Alliance Financial Advisers Pte Ltd

About Renee Leong Lai Yee

Position	Financial Adviser Representative
Company	Professional Investment Advisory Services Pte Ltd

Position	Consultant, Financial Planning
Company	Ray Alliance Financial Advisers Pte Ltd

About Lawrence, Consultant, Financial Planning

Position	Consultant, Financial Planning
Company	Ray Alliance Financial Advisers Pte Ltd

About Joseph, Associate Financial Planner (AFP), Consultant, Financial Planning

Position	Consultant, Financial Planning
Company	Ray Alliance Financial Advisers Pte Ltd

About Tah Siang, Consultant, Financial Planning

Position	Consultant, Financial Planning
Company	Ray Alliance Financial Advisers Pte Ltd

About Caroline, Consultant, Financial Planning

Position	Business Unit Director
Company	Alpha Financial Advisers Pte Ltd

Sharmini Kristina VV Carvalho
FAAFM, FChFP, LUTCF, AFC, MFP, CWM, B. Bus (Financial Planning) RMIT

Her philosophy “One’s life is constantly evolving and change being constant, it is imperative that one should seize the opportunity to take stock and be in control of those events in their life…”

Sharmini Kristina Carvalho is a certified financial adviser and an accredited human resource trainer, facilitator and business consultant with Brian Tracy International as well as a professional speaker on topics ranging from communication, leadership to holistic financial planning.

She has been invited to be a keynote speaker and trainer at corporate functions, banks, women groups, public seminars and tertiary institutions both locally and internationally.

Currently, she holds a Bachelor Degree in Financial Planning (RMIT) as well as a Fellow Member of the Life Underwriters Training Council of Singapore(LUTCF) and the American Academy of Financial Management (FAAFM). She has been a lecturer for the CFP retirement programs and Financial Representative’s licensing exams.

Her career as a financial practitioner started with Prudential for ten years and since 2000, she has mentored at least 40 advisers in 2 financial advisory firms in her capacity as a Associate Manager to Business Unit Director. She has been also nominated as most Valuable Associate twice in the FA firm. She held post of President of the Financial Planning Association for Graduates in Singapore. Her management skills in the financial advisory firm over the last decade have endorsed her strong leadership skills and direction.

Notwithstanding this, she is currently an eminent Distinguished Toastmaster (DTM) as well as District Trainer (2008-2009) in District 80 Toastmasters International covering Singapore, Macau, Hong Kong and Thailand. Kristina is known to be very articulate in her opinions. She was nominated as Division Governor of the Year (2007-2008) for her outstanding services and exceptional leadership in District 80.

She has contributed articles on communication and financial planning in her industry newsletters such as, The Practice, The Coverage, The Asian Wall Street Journal, The iFast Insight, The Prime and the Straits Times.

Her professionalism as an adviser and public speaker is reflected in her sincere, unique, contemporary and yet inspirational delivery and presentation.

She is able to move her advisers, management or clients to a new understanding and depth of feeling that will make them adopt her views as a collective reaffirmation of their own.

Position	Financial Consultant
Company	Global Millennium Financial Services Pte Ltd

Razali’s profile, Financial Consultant

Position	Consultant, Financial Planning
Company	Ray Alliance Financial Advisers Pte Ltd

About Jackson, Consultant, Financial Planning

Position	Consultant, Financial Planning
Company	Ray Alliance Financial Advisers Pte Ltd

Consultant, Financial Planning

Position	Senior Consultant, Financial Planning
Company	Ray Alliance Financial Advisers Pte Ltd

About Yvonne, Consultant, Financial Planning

Position	Consultant, Financial Planning
Company	Ray Alliance Financial Advisers Pte Ltd

About Ai Li, Consultant, Financial Planning

Position	Consultant, Financial Planning
Company	Ray Alliance Financial Advisers Pte Ltd

About Mark, Consultant, Financial Planning
Financial Planning Qualifications

• Risk and Insurance Management, Nanyang Polytechnic (1996)
• License in Investment Linked Insurances (2003)
• License in Health Insurances (2003)
• Financial Advisory Rules & Regulations (2003)
• License in Collective Investment Schemes (2006)

• HSBC Insurance Brokers Singapore (1999)
• India International Insurance (1999 - 2001)
• Prudential Singapore (2003 - 2005)
• Citibank Limited Singapore (2005 - 2006)
• Van Gogh Preferred Banking, ABN AMRO Bank Singapore (2006 - 2007)
• Ray Alliance Financial Advisers (2007 - Present)

Position	Consultant, Financial Planning
Company	Ray Alliance Financial Advisers Pte Ltd

About Ellen, Consultant, Financial Planning

Position	Associate Manager, Financial Planning
Company	Ray Alliance Financial Advisers Pte Ltd

About Alfred, Associate Manager, Financial Planning

Position	Senior Consultant
Company	Ray Alliance Financial Advisers Pte Ltd

About Esther, Senior Consultant, Financial Planning

Position	Associate Manager, Financial Planning
Company	Ray Alliance Financial Advisers Pte Ltd

About Kenneth, Associate Financial Planner (AFP)

Position	Consultant, Financial Planning
Company	Ray Alliance Financial Advisers Pte Ltd

About Ramzan, Consultant, Financial Planning

Position	Associate Manager, Financial Planning
Company	Ray Alliance Financial Advisers Pte Ltd

About Andy, Consultant, Financial Planning

Position	Consultant, Financial Planning
Company	Ray Alliance Financial Advisers Pte Ltd

About Lynette, Consultant, Financial Planning

Position	Managing Director
Company	Ray Alliance Financial Advisers Pte Ltd

A good financial adviser will try to minimize the financial risks for their client by gaining an understanding of their particular situation and lifestyle goals. This is precisely what is done at RAY Alliance Financial Advisers Pte. Ltd. As well as financial planning, RAY Alliance Financial Advisers engages in life insurance, general insurance, marketing and placement. As the founder, Raymond serves as the managing director. He is an assertive individual with management and entrepreneurial skills. In charge of company operations, he performs all duties as necessary to ensure continued soundness and stability of all business activities/administration.

Established in 1999, RAY Alliance Financial Advisers's mission is to provide clients with top quality personal financial planning and independent financial advice. As Singapore becomes more developed the client base of RAY Alliance Financial Advisers steadily increases and their team of dedicated professionals has risen to the challenge. Coming from diverse backgrounds, the key team members have the knowledge and expertise to offer very comprehensive, holistic and independent financial planning and advisory. This strong foundation continues to be the strength behind RAY Alliance Financial Advisers Pte. Ltd.

When Raymond Ng Leong Poh isn’t directing all of his energy toward making sure his team is giving the most educated and informed financial advisement he is a devoted family man. Married to Regina Seng, they have two daughters, Eileen and Sylvia.

Raymond is an Cerified Financial Planner (CFP^®) by the Financial Planning Association of Singapore (FPAS), a Certified Insurance Professional & a Senior Associate of Australian and New Zealand Institute of Insurance and Finance (ANZIIF). He's also a member of the Court of The Table, MDRT USA.

Position	Manager
Company	Alpha Financial Advisers Pte Ltd

Desmund has been in the financial industry since 1997. Prior to the Asian Financial Crisis, he was working as an engineer. During his tenure with an international insurer as an insurance agent, he won many accolades, including the internationally coveted Million Dollar Round Table (MDRT) award.

Becoming a financial advisor in 2003, Desmund found it rewarding to fully engage in his clients’ interests with a wide spectrum and range of financial instruments and services. This has allowed him to better work with his clients to provided customized financial solutions to meet their financial goals and objectives.

A Certified Financial Planner (CFP) and a fellow member of Insurance and Financial Practitioners Association of Singapore (IFPAS), he is currently a unit manager with Alpha Financial Advisers (part of the OCBC group), and manages a team of well qualified advisors with CPA and/or CFP. Within his group, there is a vast experience and knowledge bank from which to draw from in personal financial planning for individuals, corporate risk management and employee benefits schemes.

Desmund believes that the key to effective advice is to align clients’ money decisions with what is important in their lives, engaging in in-depth conversations with clients to gain a holistic understanding of their goals and values.