Meet Nathan Lum.
Prudential Master Financial Consultant
"The 2 most important days in your life are the day you are born and the day you find out why." - Mark Twain
I specialize in helping professionals retire 5–10 years earlier than their planned retirement—without the confusion. Many face what I call the Triple O Problem:
Obscurity—not knowing if they’re on track,
Overload—too much conflicting advice, and
Obstacles—fears like job loss or market downturns.
That’s where I come in. Using my simple ABCD (Assure Income, Build Wealth, Control Expenses, Distribute Wealth) Checklist, I guide singles and DINKs in their 30s–40s through clear, confident retirement planning. With 12 years of experience and over 600 clients, I focus on practical, jargon-free advice tailored to real-life goals.
My mission goes beyond individual clients—I’m also passionate about raising the bar in the financial industry through the 3R Standard: Real Advice, Reputation, and Relationships.
If you're wondering whether you're on the right track, or you're curious about building a fulfilling career in financial services, I’d love to connect. Let’s have a conversation that brings clarity and action to your future.
I met Nathan in university, not knowing he'd later be a lifeline during a tough time. I initially dismissed his insurance advice, but he patiently persisted. Thankfully, I got hospital insurance for my son, Aureus—just two months before his diagnosis with MPS 2, a rare and very costly disorder. Nathan’s support enabled us to afford a $200,000 treatment. He’s sincere, knowledgeable, and reliable—especially with claims. I’m truly grateful for his help and now trust him with our entire family’s financial planning.
Kylin Teo, Assistant to Director
Nathan is a trusted friend and financial consultant who reviewed my insurance when I had minimal early critical illness (ECI) coverage. He helped consolidate and restructure my plans, increasing my ECI protection while removing costly policies. He also gave impartial advice on my AIA policies, always prioritizing my needs over sales. When I was later diagnosed with cancer, he handled the claims seamlessly and offered heartfelt support. Now, as a parent, I continue to rely on Nathan for honest, judgment-free guidance for my family.
Joanne Lee, Service Associate to Relationship Manager
I met Nathan eight years ago through my wife and was struck by his honest, holistic approach—never pushing unnecessary products. After closing my ice cream business, I sought a purposeful career. With Nathan’s mentorship, I overcame self-doubt and joined the financial industry. He’s direct, supportive, and deeply committed to client well-being. In just four months, I hit a company incentive and now help clients plug critical gaps in their coverage. If you’re seeking guidance, Nathan is the mentor you want by your side.
Tham Ying Wai, Financial Consultant
Thank you, Nathan, for the incredible impact you’ve had on my growth over the past three years. Though I’m not in his agency, he generously offered his time and guidance. His mentorship went beyond skills—he believed in me, pushed me through challenges, and inspired personal growth. I’ve become not only a better financial consultant but also a better person. Nathan leads by example, with empathy, discipline, and integrity. He’s more than a mentor—he’s a role model I deeply respect.
Benjamin Eio, Senior Financial Consultant