About Gu Haoran (Andy)

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I grow up in a traditional Chinese family full of love and I know “助人为乐” in my childhood. This is a very key reason why I join the financial advisory industry. My first job after graduation is as an Insurance Agent in Prudential, Singapore. Although I had achieved good results including the coveted MDRT during my time there, I felt that I was not able to value-add to my clients in a more comprehensive manner. 

The general approach broadly applied in the industry focuses a lot on ascertaining and prioritizing the clients’ needs and immediately zooming into a product allocation. As I had been managing my own personal portfolio for years, I quickly realized that this approach, while it is effective from a sales perspective, is likely to sub-optimize the clients’ portfolios.   

As a systematic and data-driven person, I want to bring a full and meaningful journey to my clients and friends, by evaluating, planning, executing, monitoring, and adjusting portfolios. Luckily, I met my mentor, Dexter Koh, who shares his TPA approach selflessly. In APWA, I spend enormous time improving myself by obtaining more certifications like CFP, IBFQ, and MEP1 (Estate Planning). In the team, I am appointed as the annuity & endowment trainer. And I specialize in investment and estate planning. My investment philosophy is “The 80% return of investment is from the proper asset allocation. Having the last laugh is the winner”   

Because of my improved knowledge and the long list of products, I am extremely happy that I can add more value to all clients. I still remember back in the first month in APWA, when I met with one of my clients, she commented that she never saw such a well-organized portfolio before and she felt more assured about her future milestones. Like I always say, “Happy clients, Happy advisers.”  

If you want to be part of my group of happy clients, please reach me by following the links below. 

He has a Bachelor Degree (Hons) from NUS and is currently pursuing the Chartered Financial Analyst (CFA®) program. He is also an Associate Wealth Planner (AWP) and on the path to become a Certified Financial Planner (CFP®) in Aug 2022. He is also IBF Qualified from Institute of Banking and Finance Singapore. 

Below are some of Andy's notable accolades:

• 2021 Million Dollar Round Table
• Quality Club Elite 2020, Prudential
• Consecutive Prudential Life Club, Prudential
• Top Prucredit Monthly Rookie 2018, Prudential   

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Email: andygu@awfa.com.sg