TOH CAI SHENG

CHENGHAO-LNF ORGANISATION
KIN GROUP
Coming from a hospitality background with work shifts and a fixed income, I found myself seeking a career with more fulfilment, and autonomy, and one that appreciates my hard work and time in terms of incentives. In 2021, I made the career switch to the financial advisory industry.

. In my journey as a financial advisor, I discovered and learnt that the fulfilment and satisfaction of this career was more than just making money. The ability to interact with people from all walks of life, and having to impact their lives positively and celebrate life milestones and financial goals together is what keeps me motivated.

There is nothing quite like the feeling of knowing that you have made a difference in someone’s life by guiding them towards a better financial future. I created a P.A.D framework (which is my name in short haha) to guide my clients through meeting their financial goals. This has proven to be effective and successful as it is easy to remember and it is relatable and relevant to them. This framework is unique to me and made simple for my clients to understand and follow, which is a personal achievement for me.

Seeing my clients heave a sigh of relief when their claims are successful gives me a great sense of achievement. One of the best feelings for me as a financial adviser is being there for my clients during their good and bad times, and knowing that I can and am playing a part in making their lives better.

My parents once told me to do what I believe in no matter what, and financial planning is what I believe in. My experiences of facing rejections and even having bridges burnt are what pushes me to want to do more, to work harder and to prove to those around me that this industry is not something to fear. I want them to look past the stigma and realise that being covered and having a sound financial plan are just part and parcel of achieving a better life in the future.

I see myself as a parallel partner with my clients, going through life alongside with each other, not directly involved but handholding and being there when necessary. I enjoy interacting and learning more about my clients on a deeper level, where I would share my relevant experiences and be there to hear their stories as well. As a son, husband, brother, and father, I am able to provide both personal and professional perspectives when it comes to insurance, retirement planning, and investment planning. By doing life alongside with my clients, most of them are able to resonate with me and playing this role has helped me in reinforcing the importance of getting themselves covered in their health and wealth.

Accolades

AIA FA Prestige Club (Diamond) 2024

AIA FA Prestige Club (Titanium) 2023

Million Dollar Round Table 2024 and 2023

TESTIMONIALS

Eugene C.

My job as a banker exposes me to clients from all walks of life, and part of my job requires me to cross-refer for bancassurance. What I commonly observed amongst all these clients is one thing – they understand the importance of insurance. Now that I’m in the workforce, it dawned on me that I should also look into these aspects to ensure proper coverage for myself. And again, it really was a right choice for me to reach out to you to understand more and identify my shortfalls. You made it all so comfortable without any hardselling and that I don’t feel pressured at all throughout our session

Miho A.

The thing I like most about Padrick is his sincerity, of course this is his job & he is hustling to make a living for himself but he put his heart & soul into this job. You can tell by the way he speaks to you, ask you about the current situation you’re in. He will never offer you anything beyond your means & tries his best to find something comfortable enough to be able to help you. Not all agents are like Padrick, he never hard sell or sell you anything you don’t actually need because he really is here to help. 

Nicole C.

Padrick is a really patient person who always puts in effort to understand your needs and also explains the various plans that he proposes and even those that you already have. He is trustworthy and will always make sure you understand and is comfortable with the policies you intend to commit to. I definitely trust him to handle all my insurance polices and plans!

Azmi & Sabrina

Padrick has guided us with a very in-depth information about insurance and financial planning. His priority for his clients concerns were displayed — he didn’t just throw all the policies out at us. In fact, he listens to our concerns and addressed it accordingly by recommending the right policies with our budget in mind too.

Sunayana M

My biggest takeaway post meeting you is that I can finally TRUST somebody with my financial details , vulnerabilities and life goals without being misguided or tricked into a plan that is not beneficial for me. I think I came to you at one such vulnerable point and I am happy to say that it’s now beyond product selling with you. It is value selling where you don’t push what’s on your catalogue but rather understand my requirements and give me the right guidance. 

Get in Touch

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