Ernest Ang

Ernest Ang

洪浚鑫

AIA Financial Services Consultant

8200 5528
ernestang@aia.com.sg

Change is Constant and preparation is KEY.

10 years as an entrepreneur, 4+ years in financial advising

Clarity in every financial decision.

I help individuals, families and businesses protect what matters, grow their wealth, and plan a confident future — with advice rooted in real-world experience.

My Work Experience prior to AIA

I have spent most of my career in business development and sales. This has equipped me with deeper understanding skills to get to know what is needed for each client based on their needs and requirements. Post sales has also been the top of my mind as I believe in long term relationships rather that transactional sales.

I have spent almost 10 years as an entrepreneur especially in the Food & Beverage industry. I am exposed to sales & marketing, operations, planning, human resources and business development. I am more aware of the needs of running a business and the importance of having the right insurance coverage for the employees allowing them to have peace of mind in the event should some unpleasant incidents take place.

The above has allowed me to cater to the needs of an individual and corporate. It has also provided me consultative skills when the needs arise.

Why I joined Builders Financial

Having been through a business and a few incidents, I came to realise the need to plan better for ourselves and the people that we care about around us. Hence the need to assist them became necessary.

Builders Financial’s approach is different from other agencies that I have come across. They provide good mentorship, guidance & teamwork. Builders Financial looks at prospects from a holistic perspective to provide what is necessary for each individual and corporate solution.

With this the outreach to help individuals will be wider and more productive.

What’s unique about Builders Financial

At Builders, we have regular meetings every week to learn and share about case studies, products, preparation work for each individual client and brainstorming session. Builders is a safe platform that we could share everything.

Not only do not look at individual on their current plans and policies, we work with the people around them so that their love ones are well covered in any unforeseen circumstances.

Cheng has been supportive in building our knowledge and mentoring us on each of our prospects that we are working on.

Christine, who is a pioneer at Builders, has been able to support us in joint fieldwork and her expertise on high net worth clients is definitely an asset to Builders.

More about myself

I like to look at things differently from all perspectives and this has enabled me to gain the trust of my clients. Clients find me approachable and enjoy their conversations with me.

Planning & exploring new things have always been part of what I enjoy in life. At the same time, keeping things simple & manageable is important in helping me stay productive in all that I do.

Exploring various options with my clients and able to do their planning with them is one of the greatest satisfaction that I look forward everyday.

My approach

Clarity first
Every client deserves to understand exactly what they own, why they own it, and how it serves them.

Rooted in real life
Having run a business and raised a family, my advice comes from lived experience — not just theory.

Long-term partnership
I am not here for a one-time transaction. I am here to grow with you as your life and goals evolve.

Continuous growth
Pursuing my CFP to ensure the advice I give is grounded in the highest professional standards.

What I offer

Advice built around your whole picture.

Holistic protection planning

True protection goes beyond a single policy. I take a 360° view of your life — your income, your dependants, your health, and your liabilities — to build a layered plan that leaves no gap unaddressed.

Life & critical illness coverage tailored to your life stage
Income protection if you are unable to work
Hospital & surgical coverage with no surprises
Estate planning to ensure your legacy reaches the right hands
Annual review to adjust as your life evolves

Corporate solutions (Employee benefits)

Designing benefit programmes that attract, retain
and protect your workforce — drawing on a decade
of entrepreneurial experience managing real
business costs.

Group insurance and hospitalisation plans
Cost-effective benefit structures for SMEs
Employee wellness and retention planning
Ongoing plan management and claims support

Retirement planning

Building a roadmap to a financially secure retirement, with clear milestones and strategies that adapt as your life evolves — whether you are 30 or 55.
CPF optimisation strategies
Passive income through annuities & investments
Early retirement goal-setting and projections
Coordinated planning with SRS and other schemes

Portfolio management & clarity

Many clients come to me with multiple policies and investments they barely understand. I specialise in bringing it all together — creating clear, concise summaries so you always know exactly where you stand.