JOANNE LAI is a highly sought-after finance and life coach who has transformed the lives of thousands of people. She has achieved the prestigious Certified Financial Planner (CFP)—the industry gold standard—and is the youngest and first female president of her company. She has also attained the title of “TOP of the Table”, placing her in the top 1% of the world’s financial advisers. Joanne made her first million before she turned 30 and achieved financial freedom before the age of 35. She helps others plan for their retirement and assists families with intergenerational wealth transfer.

Over the years, she has personally encountered many scams and successfully avoided them by asking a series of questions that she has learnt over the years. Joanne has also met many scam victims and this has further convinced her of the need to do proper wealth management complete with asset allocation rather than running towards these get-rich-quick schemes.

She volunteers with The Straits Times School Pocket Money Fund, where she teaches underprivileged youths about financial management. As an accredited financial counsellor, she has helped people in Singapore and Vietnam get out of debt, creating opportunities for the poor to achieve financial wellness. Joanne has conducted more than 200 financial talks at professional associations, private companies, hospitals, and government agencies.