Ms Sharmini Kristina Carvalho
Branch Director at Finexis Advisory Pte Ltd
Bachelor of Business (Financial Planning, RMIT), LUTCF, FIFP (S'pore) Course Conducting: ChFC05
Kristina’s career in the financial services began as a financial practitioner for 10 years in a life company and has been in management for 15 years in an independent financial advisory industry. She was also the President of the Financial Planning Association for Graduates in Singapore. Notwithstanding this, she is a Distinguished Toastmaster, completed her High Performance Leadership and elected as Top Division Governor of the Year 2007-2008 in District 80 Toastmasters International, which covers Singapore, Macau, HongKong and Thailand. She has been invited to be a keynote speaker and trainer locally and internationally at corporate functions, banks, women groups, schools, public seminars and tertiary institutions. She has contributed articles on communication and financial planning in her industry newsletters such as, The Practice, The Coverage and Asian Wall Street Journal and The Prime. Her professionalism as a public speaker is reflected in her unique yet inspirational delivery.
Financial Adviser Representative at PIAS
Jeffrey joined the industry in 1988 as a life agent and moved on to obtaining licence to transact general insurance. He specializes on marketing of life, collective investments and general insurance products presenting it in a holistic approach to financial planning encompassing retirement planning, investment planning and insurance planning.
Complements the theoretical aspects of financial planning by addressing key practice and plan construction issues. It outlines the essential skills needed to formulate a sound financial plan and how it can be effectively presented, so that it fulfils the clients’ financial objectives and conforms to practice and ethical standards.
The ChFC05 Study Text consists of 217 pages (excluding Supplementary Notes).