Hi! I’m Bingyang, founder of Life First Advisory.
You might be wondering: what makes me qualified to do what I do?
My parents were both teachers. Being raised in such a family environment instilled a sense of curiosity in me at a young age, which has deepened and developed over the years. It’s this curiosity and genuine interest in people that has enabled me to build lasting relationships with our clients today.
Like every young man in his early 20s, I was driven by the goal of making money when I first started my career in financial sales. I thought that by simply marrying strong financial knowledge with the right attitude, clients would surely flock to me! Boy, was I wrong!
Struggling to make headway my early years led me to reflect. This was when I discovered something earth-shattering — wealth management isn’t actually about wealth! It’s about people. It’s about what people do with (or without) money to attain what they value in life.
With that epiphany, I redirected my focus to understanding my small clientele better, in order to provide better service to them, and to help get the results they wanted. I poured in time and resources in professional studies and learning about people. Soon, word spread about my client-centric approach. My clients told their friends about how I helped to unpack the complicated world of finance into a form of elegant simplicity. Their friends came to me, and then those friends told their friends.
And that’s how our little firm grew. While most advisors manage money, we get into the hearts of our clients. We strive to learn about your personal values, deepest motivations and provide actionable insights to help you achieve all that is important to you.
At Life First Advisory, we believe in “people before sales”. We want to be your trusted partner throughout the major stages of life, and your friend when you need someone to turn to.
We listen to your hopes, help to connect your money with your dreams, and guide you towards achieving what’s important to you.
Whatever your dreams, we will help you to get there.
“Hi Bingyang,
The time we shared during the evaluation of my financial and insurance needs was a real pleasure. I really appreciate the detailed information you gave including how I can address some of my needs that may change in future. Most importantly due to my personal situation, I had much trouble securing coverage and had genuinely kind of given up on it, not because I didn’t want to be protected but I couldn’t. It was great that you patiently led me through the application process with the different insurers, and I’m so happy I went ahead with your recommendations! Look forward to working with you for many years to come. ”
“Hi Bingyang,
Thanks so much for spending so many hours with me to work out my financial plan holistically.
I really appreciate how you patiently explained how the different instruments can work together to form my financial plan to achieve my desired lifestyle.
It changed my perspective and helped to reiterate the importance of planning ahead. I found that going through the process of understanding the underlying need & desired lifestyle was really insightful for me. Thanks for your guidance and giving me a peace of mind in this journey! :)”
“I had been afraid of talking about insurance stuff with friends in the insurance business because it’s hard to pick one over another. Sometimes you’re not sure if you’re getting involved in something because you really need it, or because you feel bad turning down a friend. But I’m glad to have spoken to Bingyang, whom I’ve known for a while, after seeing his articles in the media.
He made everything very easy to understand. I like how he never forces his opinions, and how he is honest about what he can do. I’d also like to add that it is obvious that he’s passionate about his work and very knowledgeable because he is able to enlighten me on a lot of things beyond the products.
It’s wonderful building my financial goals with him and I really can’t thank him enough.”
“As a self-employed running my own education business, the biggest worry I have is inconsistent income, which also affects my future retirement plans.
Having met many advisers, many of whom just tried to hardsell me some product, it was only after speaking with Bingyang that I felt that I was in control of my financial life.
Bingyang hand-held me through my doubts patiently without ever sugar-coating his words, and then carefully designed a well-structured portfolio for me. I feel secure knowing that I am well covered, and that my money is growing safely to fund my retirement plans.
Having been his client for more than 5 years, and following all the plans he has done for me, I don’t worry about my financial future anymore. In fact, Bingyang’s advice has allowed me to pursue my passion and dream career in teaching wholeheartedly.
It’s really a privileged to be your client. Thank you very much!”
“Bingyang exudes a strong sense of passion and professionalism in his work as a financial consultant. I’m happy to have him advise my finances ever since I graduated.
For many years, Bingyang has helped me to build my financial goals every year, year after year.
As the saying goes, “Cover your downside and the upside will take care of itself”. With Bingyang as my ‘extra pair of eyes’, who is always there to watch my back, I can fully focus on my career and investments to ensure I’m on track towards financial independence without any setbacks.
I highly recommend Bingyang to anyone looking for solid, practical financial advice. He’s your go-to-guy to ensure you’re on track to living your dream life!”
“Dear Bingyang,
You are different from the other agents/advisors I’ve interacted before - but in a good way. You have a high level of professionalism but without losing the human touch, which made working with you more enjoyable. Besides listening to my questions, you probed further to better understand my position and to offer your advice. I truly believe that you are invested in guiding laypersons like myself towards making sensible financial planning.
Many thanks!”
“Before approaching Bingyang, Heartland Boy first observed from the sidelines by reading the articles that he had written on his website and yahoo finance etc. Moreover, Heartland Boy was also very impressed by his professional qualifications. Convinced, Heartland Boy set up a meeting with Bingyang. Bingyang did not attempt to sell any insurance policy in the first few meetings. Instead, the time was spent understanding about Heartland Boy’s family nucleus, financial background and financial goals. Won over by his sincerity and patience, Heartland Boy recommended Heartland Girl to Bingyang too. It was not until the fourth meeting that the Heartland Couple finally signed something with Bingyang. And it was a very simple accident plan for Heartland Girl with a miniscule premium. Heartland Boy can also vouch for Bingyang’s excellent after-sales service since the accident prone Heartland Girl needed to make a policy claim shortly after signing the accident plan. Overtime, the Heartland Couple has developed a friendship with Bingyang and it is truly enjoyable to simply meet up without any hidden agenda from both parties.”