Jacq is short for Jacqueline Chow, though I’m more commonly known as JacqChowYJ. I am a Holistic Financial & Estate Planner, helping affluent and high net worth clients plan their finances, inheritance, and legacy. As Director & Partner of Prestige Wealth, one of PFPFA’s top-performing districts, I co-lead 40 associates and directly lead my team, GEM. I’ve been in financial advisory since 2015, after four years in banking and four years with Singapore Airlines.

I come from a humble family, where even taxi rides were considered a luxury. I still remember our first and only family dinner at a coffeeshop when my sister graduated. From young, my mum instilled in me the belief that financial security is an unspoken but powerful value.

Why I Do What I Do

When I was a mortgage specialist, my father was diagnosed with brain cancer. He wasn’t adequately insured and couldn’t access the care he deserved. That helplessness shaped my conviction: proper financial and estate planning is non-negotiable.

At the peak of my banking career, I moved into wealth management. There I saw the gaps: banks pushed short-term investments and high-value insurance, but often neglected essentials like hospitalisation and critical illness cover. Legacy planning was treated as a luxury, focused only on large universal life plans. But true estate planning means Wills, guardianship, and structured wealth distribution — protection every family deserves, not just the ultra wealthy.

What I Do Today

I guide clients through holistic financial, inheritance, and legacy planning — going beyond products to focus on essentials such as long-term investing, hospitalisation, and critical illness, together with Wills and Trusts, so that families, their wealth, and future generations are safeguarded. I also mentor a growing team of advisers to serve with heart, excellence, and ethics.

I believe in giving back. Beyond donations, I take part in yearly hands-on charity efforts. Serving the community is something I personally hold close to my heart.

Milestones

• TOT 2026 (achieved within 5 months in 2025, top 1% globally)

• Six consecutive Court of the Table (COT) qualifications since 2020

• Three earlier MDRT qualifications

• Top Finance student and overall top graduate at RMIT Singapore

• CFP® designation attained in my second year

• Currently pursuing a Master of Science in Asset & Wealth Management at WMI (by GIC & Temasek, conferred by NTU)

My Journey — And Why I Keep Going

My career started in banking, where I worked 12–14 hours a day, seven days a week, to learn everything I could. In my first month, I ranked Top 2 in my department, and later in the top 1% across Asia Pacific.

I continue to learn because clients deserve sound, well-considered advice, and associates deserve leaders who lead by example. Titles aside, my greatest fulfilment comes from doing right by the people who place their trust in me.

“True planning goes beyond numbers and assets. It's about shaping stories, protecting futures and leaving behind clarity and love.”

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