Carol has always been a high achiever—garnering top academic honors, medals, and awards throughout her early years. After graduating from Nanyang Business School with Second Class Honours, she initially believed that a career in multinational corporations was the natural path forward. However, a bold decision to join Unicorn straight out of university marked the beginning of a transformational journey.

What began as an academic understanding of finance quickly evolved into a deep commitment to authentic family wealth planning. Through her years as Unicorn, Carol experienced how the firm’s values-driven approach not only impacts investors’ financial outcomes but also shapes personal growth and character. This journey has ignited her passion to pay it forward—empowering others to gain clarity, make confident decisions, and take control of their life trajectories.

Carol is also an investor in multiple businesses, further reflecting her belief in building long-term value and supporting entrepreneurial growth.

What Carol treasures most is the transformation of serendipitous relationships into trusted investors and lifelong friends. For her, the real joy lies in walking alongside them: sharing dreams, overcoming obstacles, and celebrating milestones together, all rooted in trust and shared purpose.

Today, Carol leads a thriving professional practice, complete with her own administrative team, private office, and chauffeur—testament to her unwavering drive, purpose, and the lives she continues to touch.

Certified Advanced Financial Planner (CAFP)

The CAFP designation represents a mark of distinction earned by a select few within our firm who have demonstrated exceptional technical proficiency, strategic thinking, and commitment to investor success.

Out of the hundreds of professionals trained over the years, only three have attained this rigorous certification—testament to the high standards and deep expertise required. CAFPs are often called upon by fellow practitioners across the firm to support key investor engagements, where they conduct in-depth financial diagnostics and develop tailor-made blueprints with solutions that are both precise and easy for investors to embrace.

In addition to their advisory role, CAFPs also lead the development of internal training curriculum, and set a strong example through the way they run their professional practices.

The CAFP designation is not an exam-based certification—it is a recognition earned through real, on-the-ground experience. It affirms those who have consistently walked alongside investors, helping them navigate complex financial challenges with clarity and care. More than a title, it’s a validation of meaningful impact, earned through mileage, not just modules.