The Foundations of My Advisory are

Built to Last a Lifetime.

Joshua Low


I have always been a strong believer that one’s cornerstone must be built by values and principles. Thus, I was faced with a crossroad in my life where I have to consider if I wanted to pursue a marketing path or a finance path upon graduation.

Growing up with a parent whose career is in financial services has shown me that financial advisors are able to not just provide a livelihood for themselves, but ensuring that others’ livelihoods are well thought of. I decided to start my career in an industry knowing that this place will provide me with platforms to leapfrog my career growth. And that could not be possible without my mentor, Daniel Chang.

Advisors’ Clique ease my initial learning journey with the structured training that is put in place and pace along with close guidance by my mentor. Here, we do not just talk the talk, but we walk the walk. This provided me with a smooth transition to leverage on resources, environment, trainings to excel both in the field of being an associate and a leader.

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3-year MDRT member & IDA member

Million Dollar Round Table A prestige award for the top financial practitioners in the world. A Career milestone attained only by those who have demonstrated exceptional professional knowledge, client service and ethical conduct.

International Dragon Award promotes the pursuit of a high-quality life, professionalism, upholding of moral integrity, establishment of professional practices to preserve dignity in the career and industry, and creating the best environment for the practice of the life insurance business.

Professional Qualifications

AWPcm (Associate Wealth Planner)
AEPP® (Associate Estate Planning Practitioner)

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How can I help you


Protection planning is the foundation of a holistic and comprehensive financial plan. It’s essential to go through a detailed fact-finding process which will allow us to identify the financial impact to you and your family when an adverse event arises (Pre-mature Death, Illnesses). We plan out bespoke solutions to protect your income using our tailored strategy.


Personal Finance Advisory Service

All different life stages bring about different challenges and needs. From buying your first home, your first car, children’s education to your very own golden retirement nest egg. With our extensive knowledge and experience, we help to design and structure actionable strategies to achieve your goals.


Personal Finance Advisory Service

We also give our client a piece of mind, by ensuring that their dependants are taken care of, in the event of their demise. Our financial consultants are trained in Estate planning and are able to provide professional advice and plan for proper transfer of assets through Wills & Trust. We structure Universal Life policy to enhance retirement and create a meaningful legacy.


Personal Finance Advisory Service

Business succession is a vital, yet often overlooked part of a long-term business strategy.

We understand the significance of a good business succession plan to protect your business when unexpected tragedies impact your key executives. This ensures the uninterrupted flow of business with cash compensation and the certainty that your business will survive with its key employees.

Business Succession

Business Advisory Service

Hiring and retaining talent are keys to any organisation's success.

An organisation that genuinely cares for its employees is one that will be appreciated by their talent, as employees know their well-being is being taken care of by their employer.

Attract and retain dedicated talent to your company with employee benefits and see your company's existing talent nurture and grow within your organisation.

Employee Benefits

Business Advisory Service

Business security plays a critical role in ensuring uninterrupted and smooth operations. However, even with extreme cautiousness, that is still insufficient. You need to foresee and implement strategies to mitigate the potential damages and/or losses caused by unforeseen circumstances.

Commercial Business Insurance

Business Advisory Service

Joshua Low

No Title

June 9, 2022

Joshua has been my financial consultant since I started my career. My experience of purchasing policies with him have always been pleasant. While he may have a proposal, he’s been more than welcoming to readjust it according to my feedback and priorities. Through the years, he’s also actively provided services in the form of portfolio reviews and advice on all insurance related matters. He’s given me a strong impression that he’s involvement in this field is out of a passion to help others be prepared for unexpected circumstances. I’m confident that Joshua will continue to be a good advisor as I transit through my future life stages.

Dominic L

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