Singapore's Youngest & Fastest Top of the Table Qualifier
Spend Less on Insurance.Grow More of Your Wealth.
Financial Consultant · AIA Financial Advisers · Ascendance Wealth Management
I work with CEOs, business owners, doctors, lawyers, and high-net-worth individuals to build financial strategies that genuinely protect and grow wealth. My approach is different: a proprietary framework that minimises what you spend on insurance while maximising what your money can do. Less waste. More returns. Every strategy built around you.
Who Is Terence Poo
Driven by Purpose. Defined by Results.
I didn't get into this industry chasing prestige. I got in because my family needed me to. When my grandmother was diagnosed with breast cancer, the bills didn't wait — and I decided neither would I. I was still young by most measures, but I found in financial advisory a vehicle to make a real difference, fast.
What started as a personal mission became something bigger. In 1.5 years, I built a client base of over 250 individuals — becoming the youngest and fastest person in Singapore to achieve Court of the Table at 21, and Top of the Table at 22. Records that had stood for years.
But numbers aren't what drive me. Freedom of choice is. I believe every person deserves the ability to live life on their own terms — and that starts with getting their finances right. That's what I show up to do, every single day.
- MDRT Top of the Table
- AIA Centurion Club
- IDA 2025
- IBFQ Certified
Recognition
A Track Record That Speaks For Itself
Achieved age 22
Youngest & Fastest TOT in Singapore History
Top of the Table — MDRT
Achieved age 21
Youngest & Fastest COT in Singapore History
Court of the Table — MDRT
Record holder
Youngest & Fastest Centurion Club in AIA Singapore History
AIA FA Centurion Club
| Award | Issuing Body | Year(s) |
|---|---|---|
| Top of the Table (TOT) | MDRT | 2026 |
| Court of the Table (COT) | MDRT | 2× (2025, 2026) |
| Million Dollar Round Table (MDRT) | MDRT | 9× Qualifier |
| International Dragon Award (IDA) | IDA | 2025 |
| AIA FA Centurion Club — Premier Centurion | AIA Financial Advisers | 2025, 2026 |
| Executive Prestige Wealth Manager (EPWM) | AIA Financial Advisers | 2026 |
| AIA FA Prestige Club (Diamond) | AIA Financial Advisers | 2025 |
| AIA HNW Prestige Club — Executive Personal Wealth Manager | AIA Financial Advisers | 2025 |
| Top Financial Consultant — 5th Runner Up | AIAFA Annual Awards | 2025 |
| Top Student Advisor Champion | AWM Townhall Awards | 2025 |
| IBF Qualified (IBFQ) | Institute of Banking & Finance | Certified |
As Seen At
What Makes This Different
Most Advisors Sell You Insurance.I Help You Spend As Little On It As Possible.
The conventional approach to financial planning is to stack coverage and collect commissions. My approach is the opposite. I use a proprietary framework to identify exactly how much insurance you actually need — and eliminate what you don't — so your money works harder in the right places.
This isn't about buying less protection. It's about buying smarter protection, and redirecting the savings into investments that actually grow your net worth over time.
Optimise First
Audit what you have. Remove overlap, reduce waste. Most clients find they're over-insured in the wrong places and under-protected in the right ones.
Protect What Matters
Precision coverage for your income, your family, and your business — nothing more, nothing less. Built around your actual life, not a generic template.
Grow the Difference
The premiums saved go to work. Investment strategies tailored to your risk appetite, with $6.5M AUM under active management across diverse portfolios.
By The Numbers — Verified AIA Portfolio Data
Data sourced from AIA iSMART+ portal. Updated June 2026.
What I Do
Holistic Wealth Advisory, Built Around You
From CEOs and managing directors to doctors, lawyers, engineers, and offshore HNW clients. Every strategy is bespoke. Every recommendation is justified.
Insurance Optimisation
My proprietary framework audits what you have, removes what you don't need, and rebuilds your coverage to protect everything that matters — at the lowest sustainable cost.
Investment & Portfolio Management
Evidence-based investment strategies across ILPs, unit trusts, and structured products. $6.5M AUM managed with full transparency and regular reviews.
Wealth Accumulation
Structuring your assets so every dollar compounds efficiently. Protection, liquidity, and growth — always in the right balance for your stage of life.
Retirement Planning
Building sustainable income streams so your money outlives your working years — not the other way around.
Legacy & Estate Planning
Ensuring your assets are protected, distributed tax-efficiently, and passed to the people who matter — cleanly and on your terms.
High-Net-Worth & Offshore Advisory
Specialised financial strategies for complex profiles — including offshore HNW clients — who need nuanced, sophisticated, cross-border solutions.
- CEOs & MDs
- Business Owners
- Doctors
- Lawyers
- Engineers
- Accountants
- Senior Executives
- Offshore HNW Clients
- Young Professionals
Client Stories
What My Clients Say
“Thankful that I have you as my trustworthy financial partner.”
“It was really happy for all of us to meet you as our trustworthy financial consultant and warm-hearted friend. Let's continue our long happy relationship.”
Ready to Take Control of Your Financial Future?
Whether you're a business owner looking to optimise your wealth, a professional planning for retirement, or someone who simply wants to make better decisions with their money — let's talk. No obligations, no pressure. Just a conversation about where you are and where you want to be.