
Michelle Toh

Prudential Financial Services Manager
Michelle started her career in Civil Service after graduation as that provided an “Iron Rice Bowl”. The job was stable, but as someone who was hungry for Growth & Challenges, she wanted to do something that would stretch her potential.
Her insurance agent at that time knew about her passion and introduced her to the life insurance business. The opportunity to help people and impact lives energized her and she immediately made the decision to join the industry where sky is the limit, and the rest was history.
Michelle has a “Growth” mindset and is constantly upgrading herself to serve her clients better. Her specialisations cover the entire financial planning spectrum – from being deftly skilled in claims with a strong focus on retirement planning and crafting creative financial solutions for her clients based on their financial needs.
For over 20 years, Michelle has forged deep connections with her clients. Besides her clients’ testimony of her consistency and efficiency in problem-solving, Michelle’s reliability is one of her strongest traits.
As a Financial Service Manager, she is passionate about developing people and helping them reach their full potential. She does this through a tailored coaching and training methodology that focuses on building their skill sets, habits, attitude, relations and knowledge.
Specialisations

Investments & Savings

Retirement Planning
Experience
Wall of Honour

Quality Club Elite 2021

Star Club 2021

MDRT 2021

Roll of Honour 2019
What people say about me?


Now that GST has increased to 8%… How can you stay financially saavy even with the GST hike?💰
Apply these 3 simple tips in your daily life! Small changes could make a big difference 😎
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With Chinese New Year here, we’re sure you’ve done your spring-cleaning at home! ✨ But how about your FINANCIAL spring-cleaning for 2023? 💰
Be sure to keep your finances in check as we welcome in a prosperous new year! 🎊
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Having passive income is one of the best ways to grow your wealth! 💸
The key is to continuously invest and reinvest the returns until you have accumulated enough to survive on the returns of the income instruments.
Here’s 3 ways to generate Passive Income through Investing for Singaporeans! ☝🏻
To learn more about the investment instruments available, drop us a DM and we’ll be happy to have a chat with you! 📩
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