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    <loc>https://www.shermanng.com/testimonials</loc>
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    <lastmod>2025-09-22</lastmod>
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    <loc>https://www.shermanng.com/testimonials/brandonho</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-13</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/c6052090-56bd-4553-9feb-5f69989862f0/Brandon+Ho.jpg</image:loc>
      <image:title>Testimonial - Brandon Ho, Management Consultant at Oliver Wyman</image:title>
      <image:caption>Sherman is a genuine, caring and dependable person. We got to know each other during our first year in SMU and he has become one of my closest friends since. We have shared many meaningful conversations and he has always had a sincere interest in my personal growth. This genuine care and concern that he has for those around him made the decision to choose Sherman as my Wealth Management Consultant an easy one. Two of my main takeaways so far from my journey with Sherman are as follows: Time is the most valuable resource - having a consultant to help me with my finances frees up time for me to do the things I enjoy the most. This gives me peace of mind as I devote my energy to those that matter most. Rome was not built in a day - the journey towards financial freedom cannot be achieved overnight. I believe that consistent effort and sound decision-making today will pay dividends tomorrow. The detailed, seamless and conversational nature of my sessions with Sherman delighted me the most. Sherman makes sure to go into deep detail about the various aspects of financial planning to ensure clarity in delivery. He also welcomes any questions I had and made it a point to address any concerns along the way. The entire process was made seamless thanks to Sherman’s work behind the scenes - curating suitable solutions and preparing paperwork. All these led to a simple and fuss-free process. Sherman’s sessions are conversational and easy to understand, making financial planning significantly less daunting. He is not pushy in his approach, alleviating any pressure or concerns one may have about financial planning solutions. Our sessions together have motivated me to take initiative, control and ownership over my personal finances. Sherman has also helped me tackle some of the inertia I faced with financial planning - too difficult, too effort-intensive, too early. I came to appreciate the simple, structured approach shared by Sherman and realised that it is never too early to start planning for the future. It is understandable that financial planning can seem like an insurmountable goal and a distant target. However, the journey of a thousand miles begins with a single step. I urge you to take that first step with Sherman and I am sure you will be surprised by how simple it can be, and how much you can achieve.</image:caption>
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  <url>
    <loc>https://www.shermanng.com/testimonials/cheryllimsiyu</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-05-07</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/faacf705-11c7-472f-a39e-57850479b55f/Cheryl+Lim+%28Si+Yu%29.jpg</image:loc>
      <image:title>Testimonial - Cheryl Lim, Customer Success Manager at a Tech Firm</image:title>
      <image:caption>Sherman and I met during our Freshman Orientation Camp in 2017 and immediately became friends! To be honest, you can tell when a consultant is just recommending a certain product because it gives them more commission versus when a consultant is recommending you something out of the goodness of his heart. For Sherman, he puts in his 100% in researching the best and tailoring his services to my specific need. Not only do I wholeheartedly trust his knowledge, but his character as well. I can ask him anything and know that even if he doesn't know the answer, he'll immediately put in the effort to find it out for me and relay it to me as best as he can.   The sole reason why I chose Sherman as my wealth management consultant is the fact that I trust his character 100%. Having been his friend for over 4 years now and witnessing the way he lives his life and treats other people, I know that he’s the kindest, most earnest and sincere person out there and he’s in this industry because of his genuine desire to help other people.  I used to be completely ignorant about my insurance policies - but because of Sherman, I now have it all in place and I know exactly what I'm covered for. Plus, I don't even have to think too much about how to distribute my monthly income now that I'm working - Questions like "Am I saving enough?" "Am I saving too much?" "Am I distributing my income correctly?" are no longer existent! Sherman is a patient person - he is simply here to help you figure things out, and ensures that you feel comfortable with any decisions being made.</image:caption>
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  <url>
    <loc>https://www.shermanng.com/testimonials/janessakong</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-09-13</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/d99de5ae-e9c1-41c5-8745-f2c2a571a77e/Janessa.jpeg</image:loc>
      <image:title>Testimonial - Janessa Kong, Executive at Brunswick</image:title>
      <image:caption>I first met Sherman in university - we were both part of the organising committee for one of the sports union events!  I appreciated the methodical process Sherman used to explain to me exactly what I needed if I wanted to achieve my financial goals, and also the summaries provided by him that gave me a quick overview of the financial products I’ve bought! He was also available to answer any questions I had throughout the process. Also, I dread administrative tasks and so I really appreciated how Sherman walked me through everything step by step and settled everything for me! I chose Sherman as my wealth management consultant as we already had a good rapport and I trust him. At that moment, I wasn’t looking for a wealth management consultant, but I was open to listening to his advice and I’m thankful that I decided to choose him.  With regards to one’s financial journey, I feel that it’s never too early to start and it’s all about being consistent. In particular, insurance coverage is important and if you have the ability to pay for it you should start young! Planning earlier has also helped me revisit some of my financial goals and allocate my money accordingly. He also approached me at a great time because once I started work I had no time to think about these things! I think everyone has to start thinking about their future and finances are a big part of that, so while the inertia is real, it's better to start earlier than later! Sherman is real patient and knows what he's talking about and so you don't need to be worried about not knowing what to focus on as he'll guide you through the process.</image:caption>
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  <url>
    <loc>https://www.shermanng.com/testimonials/kokayau</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/0607e9c7-4ec8-419f-b05b-72ef574b2b0e/Ka+Yau.jpg</image:loc>
      <image:title>Testimonial - Ko Kayau, Treasury Executive at Olam</image:title>
      <image:caption>Despite studying in the same school, I first met Sherman when I was doing an exchange semester abroad in Canada. Though we did not know each other before, we quickly became friends and went on many trips together. Throughout this period, Sherman has been a good friend and I greatly enjoyed our friendship as he is one who exudes positivity and humility. I chose Sherman as my wealth management consultant because throughout my many interactions with him, I have never felt that he was ever forcing any policies on me. Though I have known him for several years, he is never one to draw attention to himself and his business until I asked. I feel that this is a defining characteristic of a wealth management consultant that I would place my trust in as it shows that he is modest and focuses on the needs of others. In addition, Sherman has a Bachelor’s in Accountancy, and he has already been in the industry for a number of years. All these factors come together to make Sherman my top choice when it comes to financial advisory. My financial journey with Sherman thus far has been comfortable and fulfilling. Unlike many other financial advisors, he places more emphasis on the actual act of financial planning instead of solely on the performance of the fund. In our discussions, he always makes conservative assumptions on fund performance and instead, devotes more time to the act of better managing my finances. This immediately struck a chord with me as I personally feel that the main role of a wealth management consultant should be to help others better manage their wealth instead of solely promoting the purchase of a fund. Moreover, I greatly appreciate the fact that Sherman can draw links between financial planning and my personal goals in life, reminding me of the reasons behind my financial decisions. My advice to those who aim to achieve financial independence would be to do something today. Time plays a huge part when it comes to your returns on investment, and in fact I oftentimes wished that I had started investing when I was younger. Nowadays, there are many platforms to choose from, and it is easy even for beginners to begin their journey towards financial independence. And if you happen to require assistance or advice from a professional along the way, then I would highly recommend Sherman, as he has proven himself to be a trusted and integral part of my own financial journey.</image:caption>
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  <url>
    <loc>https://www.shermanng.com/testimonials/leeyen</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/1624686120392-KM7872RW5WKPA61505NB/Lee+Yen.jpg</image:loc>
      <image:title>Testimonial - Lee Yen, Campaign Manager at Kepler Group</image:title>
      <image:caption>I first met Sherman through my exchange trip and have kept in touch with him since then. He has a charming and bright personality, and radiates positivity in everything he does. Naturally, although I was approached by a couple of financial advisor friends, I decided on Sherman to help with my long-term financial goals. There are two reasons for this: (1) his character and (2) his passion. Anyone who knows Sherman personally would certainly testify to his strong morals. Moreover, since the first time I have heard about his passion for providing financial guidance to others, it has never wavered. It is evident that he constantly puts in the hard work to hone his craft and is in it for the long run. My financial journey with Sherman thus far has been stress-free and fulfilling. Sherman is adept in product knowledge and general financial know-how, and exudes confidence when sharing about it with my boyfriend, Kyle, as well as myself. Even when I pose difficult questions to him, he is unfazed, patient, and encouraging when addressing my concerns. I also particularly liked how he draw links between financial planning and our personal goals in life, so we are constantly reminded of why we are doing this at all — to be able to attain and protect the important things in life. My advice for others who are considering starting on this journey towards financial independence is to do things that your future self will thank you for. It may seem like a hassle now to get started and you may just want to throw this to the back of your head, but it would be a decision that you would reap the benefits of in a few years. Of course, it is also critical to find someone trustworthy and likely to be in the industry for the long term. I am looking forward to working with Sherman as my personal wealth management consultant for decades to come &amp; would highly recommend him to anyone!</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/elizabethchee</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/1617374438265-8GQTGBVST27OYAY6MKQJ/Liz.jpg</image:loc>
      <image:title>Testimonial - Elizabeth Chee, English Educator</image:title>
      <image:caption>Sherman is my boyfriend. I first met him during our part-time work and we’ve been inseparable ever since. In the span of our relationship, it’s been clear since day 1 that anything finance-related bored me to tears. Naturally, I resisted any advice to curb my spending because I did not want to feel deprived. Through patience, consistency and commitment, Sherman eventually influenced me to adopt a long-term view of my finances and that if we were to have a successful future together, it was imperative that I had a sustainable financial plan. Sherman is also able to simplify challenging concepts so that I would better understand the rationale behind his advice.   Now, I follow Sherman’s system of income allocation and not only does it save me the hassle of thinking how much to save and invest, but also it gets me results. I can now look at my bank balance with cheerful contentment instead of despair, and his investment fund performance updates actually get me excited and anticipatory for how my investment will continue to grow. In fact, I realised that following a system helps me attain a sense of freedom instead of deprivation, because I feel that I’m on the right track to reap the rewards in the future.   I love that Sherman is genuinely passionate about both knowing his clients on a deeper level and crafting personalised plans to suit their unique lifestyles and goals. It truly lights him up whenever a client is a step closer to their goals because of him. Not only is he trustworthy and responsible, but his ability to empathise with people makes him a gem of a consultant. If you are looking for someone to support you in your financial journey, I’m confident that engaging Sherman as your wealth management consultant will be one of the best decisions you make.</image:caption>
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  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/euniceong</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/52a47e41-0074-4f80-9e1d-fe3193ea28b3/Eunice+Ong.JPG</image:loc>
      <image:title>Testimonial - Eunice Ong, Assistant Vice President at UOB</image:title>
      <image:caption>Having just started on my first job, I wanted to see how I could effectively plan my finances. My sessions with Sherman has been really helpful in planning for my future. His savings system has shown me how I can divide my monthly salary and he also shows me my annual projected spendings and savings, which are crucial so I can be conscious of my finances. Sherman is genuine, trustworthy and knowledgeable in his field and would be able to suggest the best solutions based on your circumstances. I particularly like that he is detail-oriented and always remembers the small details that you mention.  I’d wholeheartedly recommend Sherman and believe he will be a great fit to anyone who is looking for a wealth consultant. Get to know Sherman and see what he has to offer!</image:caption>
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  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/asherkhong</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/1629170118337-7X4LIGF64YSBCOWL94YV/Asher+Khong.jpg</image:loc>
      <image:title>Testimonial - Asher Khong, Senior Analyst at Mastercard</image:title>
      <image:caption>I first got to know Sherman from being in the the same SMU Accountancy course as well as in the planning committee for the SMU Accountancy Bash event. Sherman is an excellent wealth management consultant who gives very good advice based on my needs and does thorough research into the available policies to ensure that he recommends the best products available. He is also very complete in ensuring that all financial areas are covered. I like that Sherman presents everything clearly and concisely to ensure that I can understand better. Having Sherman as my wealth management consultant also makes me feel assured as we are both going through the same life stage, so he understands and relates to my current situations and can advise me well. Sometimes I can take a while to decide, but Sherman helped me to understand the pros and cons of each option without being pushy, so as to help me make an informed decision. I would advise anyone who is thinking about starting their financial journey not to hesitate to start with Sherman, and just start now while you don’t have that many responsibilities. You will thank yourself down the road.</image:caption>
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  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/chanjiajun</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/3a50e56f-a493-4bb0-a51f-d248a7f5d4cd/Chan+Jia+Jun+2.JPG</image:loc>
      <image:title>Testimonial - Chan Jia Jun, Finance Analyst at JP Morgan</image:title>
      <image:caption>I chose Sherman as my wealth consultant as he is trustworthy, friendly, and most importantly, plans to stay long-term in the industry.  His sessions were professionally conducted and easy to digest. He breaks down complicated concepts using simple and relatable examples. In our journey, I have learnt about the different options available in the market and what I would need to fully protect myself and my loved ones. These benefit me by allowing me to have a peace of mind and not worry about my finances if something were to go wrong.  Moreover, I have learnt more about personal financial planning. For example, I have more clarity on exactly how I should allocate my monthly income instead of just having a rough idea beforehand, and also how much coverage based on my current stage of life.  My advice to everyone is just to set up a consultation session with Sherman. He’s friendly and helpful and will definitely be able to answer your queries if needed!</image:caption>
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  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/lucasthin</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/1617687141517-PPKSZGOOX9XLEQSKQPJG/Lucas.jpeg</image:loc>
      <image:title>Testimonial - Lucas Thin, Scholar at ArtCenter College of Design</image:title>
      <image:caption>Sherman is a passionate wealth management consultant who sincerely cares for his clients. He is knowledgeable and meticulous in the work that he does for his clients. I also love that Sherman is always looking out for my finances and makes it his priority to ensure that I reach both my present and future goals.  It comforts and heartens me to know that I can count on Sherman and he never fails to simplify unfamiliar financial terminologies and concepts for me to understand. Engaging the right wealth management consultant is just like leveraging on a coach to guide you in cultivating better financial habits and proper managing of spendings, and Sherman is the consultant I’d recommend to my friends.</image:caption>
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  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/nila</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-01-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/271b337f-71ba-4b2f-b99b-abc7fe2c16fe/Nila.JPG</image:loc>
      <image:title>Testimonial - Nila, Auditor at KPMG</image:title>
      <image:caption>Before Sherman came along, I always found it difficult to apply the financial knowledge I acquired at university and elsewhere to do my own financial planning. With Sherman’s help, I feel better equipped to handle my finances because he shared how to allocate my income across my needs and wants and he also gave me access to the tools needed to do so. I also learnt that personal finance need is not as complicated especially if we take time to plan ahead. Sherman has always been very approachable, and he ensures that we are on the same page during the sessions. He also addresses any concerns I may have by providing alternatives and professional solutions. So, I always feel heard and assured which I really appreciate about the sessions.   Sherman shared his personal and professional journey with financial planning and management and it really spoke to me because I could see how passionate he was about helping others using the skills and knowledge he has acquired over all these years. I think the finance world has a lot of jargon that many may not be able to appreciate and many tools that appear complicated. This can be overwhelming. However, with Sherman’s help, I realised that if I took some time to understand myself (my risk tolerance etc), it is easier to navigate through the options available.  As the saying goes, “many overestimate what they can do in a day and underestimate what they can do in a lifetime”. I think this is especially applicable with finance as Sherman often reminds me. Planning is not just about having money now, or next month, but about having money when you need it 15 years or so from now. It could feel far-fetched, but money grows exponentially when we commit to planning for the long-term and that’s what we should aim for - long-term gains.</image:caption>
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  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/kenixho</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/e0504830-d7f1-4d6f-ae02-6966a67b0890/Kenix+Ho.JPG</image:loc>
      <image:title>Testimonial - Kenix Ho, Analyst at British Petroleum</image:title>
      <image:caption>As a young adult starting out on this ‘adulting’ journey, it can be overwhelming when it comes to managing my finances effectively. However, having gone through a few sessions with Sherman, it got much clearer and less daunting. I particularly like how he makes it a point to encourage me to take a step back and understand myself and my goals better, something I would not have done in my own time. This also allowed me to visualise how I wanted my retirement life to be, and gave me a clearer picture of what life will be like in the future.  Sherman is a very patient and sincere individual. I like how he makes it a point to check if I have any questions during the session to ensure that we are both on the right page. Also, he draws on many intuitive examples to make his explanations easier to follow and more relatable in nature.  Furthermore, he is extremely passionate in helping his clients achieve financial independence at an earlier age. He ensures that he customises his solutions to suit my risk profile, and is always ready to take on any questions whenever it arises. All in all, Sherman is a very trustworthy Wealth Management Consultant and I would definitely recommend him to those who are interested (especially if you’re just starting out on the ‘adulting’ journey) to find out more on how you can better manage your finances!</image:caption>
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  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/sun</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/9fde3115-43c8-4405-901a-b37ca9da71ee/Sun.JPG</image:loc>
      <image:title>Testimonial - Sun, Healthcare Assistant at Khoo Teck Puat Hospital</image:title>
      <image:caption>From my sessions with Sherman, I have learnt more about investing, saving and planning for the future. I have also learnt about the importance of being prepared for unexpected situations since it affects myself and my loved ones.  I was introduced to Sherman by a loved one and during our meetings, I felt comfortable talking and sharing about myself so I chose him as my wealth management consultant. During our sessions, Sherman has enabled me to think and share my future plans and goals with him. Together, we discuss the way I can save and invest towards the goals that I have envisioned.  I would highly recommend Sherman as a wealth management consultant as he is very attentive, trustworthy, and I feel very comfortable voicing out my questions and thoughts.</image:caption>
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  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/krystalwinona</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/dc580490-d9a0-4162-83d1-0b5a5ac22f58/Krystal+Winona.JPG</image:loc>
      <image:title>Testimonial - Krystal Winona, Nurse at Alexandra Hospital</image:title>
      <image:caption>Sherman was first recommended by a trusted friend, and after observing how much effort he puts in to personalise my plan according to my needs instead of being pushy, I decided to choose him as my wealth management consultant. My financial journey with Sherman has taught me the importance of being patient when investing as we should look at the long-term. Our sessions have helped me realise that investing is no longer a want but a need as our hard earned money saved in our banks is guaranteed to lose its purchasing power over time.  With the help of Sherman, we’ve created a system to set aside money diligently for investment, savings and expenses, which would ensure that I reach my long-term goals.  Sherman is really attentive to detail, informative and patient. I particularly appreciate the visuals that he uses to help lay out a clearer picture of my finances so it is much easier for me to understand. If anyone is looking to begin their financial journey, I highly recommend Sherman!</image:caption>
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  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/vickneshvarannaidu</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-07-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/4cab15bb-dd36-4409-8faf-d49d024092bb/Vicky.JPG</image:loc>
      <image:title>Testimonial - Vickneshvaran Naidu, Officer at SAF</image:title>
      <image:caption>Sherman and I were classmates back in secondary school. Throughout my financial journey with Sherman, what I enjoy the most is his detailed explanation and how he is able to present me with the best solution after having done the comparison. I also chose him as my wealth management adviser because he is confident that he is recommending me the best solution.  My main takeaway from our sessions is that it is imperative to manage my wealth properly in order to achieve my financial goals. To achieve this, Sherman gives timely advice whenever adjustments are needed to ensure that I'm on track towards my goals. If you are looking to start your financial journey with Sherman, be open-minded and rest assured that he will guide you well on the right path to ensure your financial freedom.</image:caption>
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  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/elijah</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/f29f69ed-230c-454c-9e39-72e08aa57418/Elijah.JPG</image:loc>
      <image:title>Testimonial - Elijah, Herbarium Curator at NParks</image:title>
      <image:caption>I was first introduced to Sherman by my friend in Army. He was concerned about my poor saving habits, so he wanted me to meet Sherman so I can start saving better. Sherman is very down-to-earth and encouraging. As I told him about my poor spending and saving habits, he gives me the appropriate advice and isn’t judgemental about it. I trust my friend who recommended and referred me to Sherman. After meeting him a few times, I can see why he whole-heartedly trusts Sherman. It is very clear that he cares about growing my wealth and helping me improve my saving habits. Through my sessions with Sherman, I have started saving better. Although my spending and saving habits are still a work in progress, I’m thankful to Sherman as he is the one who has helped me kickstart my journey. We implement concepts like “out of sight, out of mind”, such that there is a lower chance of me spending my savings.  To anyone who is looking to start your financial journey, definitely give Sherman a chance to share his knowledge as he truly cares about his clients’ financial growth.</image:caption>
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  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/hanboyan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/114e6192-8b88-426c-ae78-9d6baf6dc54b/Han+Bo+Yan.jpg</image:loc>
      <image:title>Testimonial - Han Bo Yan, Engineer at PSA</image:title>
      <image:caption>Sherman is very clear and precise in the way he presents and educates his clients who may not have any prior knowledge. He is able to break down difficult concepts and make it easier for me to understand wealth management. I also appreciated how he shared more about his background and get to know me on a personal level as it helped me relate to him even better.  These sessions with him have not only helped me to understand my own finances better, but also have made me more well-equipped to manage it. He also shared with me several saving and investments concepts that are very helpful. Another valuable takeaway for me is the importance of planning for the future ahead of time. I will definitely recommend Sherman if you are interested in learning more and starting your financial journey to accumulate your wealth.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/rebeccawong</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/26ce83da-3dc3-4720-897b-86e671e05d70/Rebecca+Wong.jpg</image:loc>
      <image:title>Testimonial - Rebecca Wong, Brand Experience Executive at Cheil</image:title>
      <image:caption>Sherman was very detailed in explaining the process of financial planning to allow me to get a good idea on where I could start. He has clear diagrams and numbers to help me visualise what my future financial situation would be. He was very patient in explaining the policies and drew out examples to provide me with a clearer idea on how it works. Talking about financial planning and policies might be a little dry, but he managed to keep it very engaging and interesting throughout the sessions. Ever since engaging Sherman, I have realised that it is much more effective to grow my money instead of just keeping it in the bank. I can tell he is very passionate in what he does and truly cares about his clients, which makes me glad that I have him as my wealth management consultant.  Growth only happens when you take the first step to find out about it. Sherman is someone I would wholeheartedly recommend to my friends, especially to those who are new or have very little knowledge in the area of personal finance.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/amandasiow</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/89ee488d-5615-4f2d-b6fe-e15a1c5d9880/Amanda+Siow.jpg</image:loc>
      <image:title>Testimonial - Amanda Siow, Senior Auditor at PricewaterhouseCoopers</image:title>
      <image:caption>I got to know Sherman through a close friend of mine on an exchange trip to Canada. I find Sherman to be a genuine and trustworthy individual who is passionate about helping his clients achieve financial independence.  Sherman is knowledgeable and extremely patient when it comes to explaining financial concepts and various products in the market. He also took time to understand my current needs and circumstances, and proposed personalised solutions that are in my best interests. This is evident in the detailed cost-benefit analysis that backs his recommendations. I don’t feel pressure working with him as he gives me all the time and information I need to make informed decisions. One of the things I like most about Sherman’s service is that he goes beyond introducing plans for my insurance and investment needs. He also generously shares and helps me to set up his system for cultivating good spending habits which helps me get closer to attaining my financial goals. It’s never too late to start on your journey to financial freedom. The best time is now. To anyone who is feeling lost about where to start, I am certain that Sherman will be able to help you get on track to achieving your financial goals.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/haziq</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-07-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/ba1d67b7-cd9a-4b94-857b-9251bf354d4b/Haziq.jpg</image:loc>
      <image:title>Testimonial - Haziq, Officer at MHA</image:title>
      <image:caption>Starting my journey as an adult is a terrifying experience, given the multitude of responsibilities I have to handle. Sherman patiently guided me through the importance of financial planning.  Most financial planners have a reputation of being pushy but Sherman reassures me that the choice is ultimately my own. This is one of the many reasons why I chose Sherman as my wealth management consultant.  Most people tend to overestimate their ability  to make changes in a few short years while underestimating their ability to make a big change in the long term. Through the sessions with Sherman, he made me realise how I can be financially responsible without missing out on having fun with my hard earned money.  With a curated financial strategy tailored to my risk profile, I am able to acquire a $100,000 investment portfolio earlier than expected and am on track to reaching my goal of retiring by 55 years old. To some, this may be a small amount, but to me, this is a good starting point in my financial journey.  My final message for those who are hesitant to start their journey will be to never underestimate what you can achieve in the long run, so start now, even if it is a small step, as long as it is in the right direction.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/lindaan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/bc5a3657-f3f7-40cb-a20e-504533aac811/Lin+Da+An.jpg</image:loc>
      <image:title>Testimonial - Lin Da An, IT Security Officer at NCS</image:title>
      <image:caption>Sherman and I have been lifelong friends since our childhood. He has a genuine interest in helping clients to manage their wealth and makes an effort to understand the viewpoints of his clients. Having known him for decades, Sherman is truly a trustworthy, virtuous and genuine man, which are the reasons why I fully trust him to manage my finances.  One of the many things that I have learnt from my sessions with Sherman is that having a structured plan for wealth management is crucial in helping us to achieve my goals. By following the plan, it helps me to stay on track and keep my focus on the things that I should do. For those who are new in their financial journey and are keen to get started, I would recommend that you keep an open mind and consider having a chat with Sherman to support you in your journey towards better wealth management.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/darrenyeoh</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-07-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/bf593c02-411d-41a5-9989-35bf51dc0495/Darren+Yeoh.jpg</image:loc>
      <image:title>Testimonial - Darren Yeoh, Market Analyst at UPS</image:title>
      <image:caption>Sherman came highly recommended by a mutual friend. He has been very thorough and in-depth in his explanation, and is very patient in ensuring that I fully understood the solutions that I was interested in. I also like that Sherman personalises his solutions to suit my needs and comfort level. Through our sessions, I have learnt to plan for my future and understand how much I need to save in order to reach my goals and secure financial freedom at my desired age. As the saying goes, “When you rest, let your money do the work”. With regards to investment, as long as you are consistent, compounding does wonders regardless of the investment amount. I find that going through these sessions with Sherman is an easy and comfortable process that is valuable in helping me better understand my finances.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/benedictlim</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-11-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/511dbfb3-9cec-4c7c-898e-ae7c137a3a9e/Benedict.JPG</image:loc>
      <image:title>Testimonial - Benedict Lim, Tax Associate at Ernst &amp;amp; Young</image:title>
      <image:caption>I met Sherman when we were both involved in the SMU Accountancy Bash. I really enjoy having Sherman as my wealth management consultant because he takes the time and effort to get to know my wants and needs. He injects his personal touch into his business and I can feel the effort he puts into his work. As a person, Sherman exudes humility and it is clear that he is in the business for the right reasons. He is not the kind who chases money or prestige, but instead he genuinely strives to support his clients, which is why I trust him with my finances.  If you are unsure where to start in your financial journey, I’d recommend that you reach out to Sherman as your first step. I'm sure he’ll be more than happy to share about what he does and why he chose this career path!</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/amosliu</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-10-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/08c4e534-666b-4e97-982c-fc8450ab104d/Amos.jpg</image:loc>
      <image:title>Testimonial - Amos Liu, Social Worker at FSC Community Service</image:title>
      <image:caption>When I first met Sherman through a mutual friend’s recommendation, he came across as a caring and extremely well-prepared wealth management consultant. His preparation and presentation on his first "get to know me" session leaves a deep impression on me, unlike other consultants whom I have interacted with. He is clear in his communication and breaks down complex financial concepts easily for me.  Although he’s only started being my consultant since March 2021, I appreciate that he has gone out of his way to engage and understand me on a personal level and also seeks to find out about my financial goals.  Apart from recommending financial plans that meet my needs, he also strives to build a financial management system for me to keep me accountable in achieving my financial goals, which would be beneficial for me in the long run. He has also been prompt and patient in answering my queries and puts in effort to follow up with me regularly to ensure that my finances are on track.  With his dedication and knowledge, I would highly recommend Sherman to be the one supporting you in your financial planning and adulting journey.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/amelialim</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-10-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/1623832646489-3X44QEJ7IDXRYPDRFD1J/Amelia.jpg</image:loc>
      <image:title>Testimonial - Amelia Lim, Consultant at Civil Service College</image:title>
      <image:caption>Sherman is a great listener and seeks to understand his clients. He understands that finance is a means, ultimately to serve a greater purpose to help people to live better lives. He has patiently answered my queries and is very dedicated to helping his clients. Besides supporting me in my insurance and investments, he goes the extra mile by reviewing my finances yearly to ensure that I’m on track to achieving my goals, which I really appreciate!</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/cheryllimxh</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/60cb613f-cd55-4338-a6dc-2663316e9b87/Lim+XinHui%2C+Cheryl.jpg</image:loc>
      <image:title>Testimonial - Lim XinHui Cheryl, Assistant Manager at OCBC</image:title>
      <image:caption>Sherman takes the time to understand the priorities and concerns of his clients before recommending suitable solutions to them. He is genuine and acts in the best interests of his clients, which is one of the things I like most about him. He is also knowledgeable about his work and readily address any questions that I may have, so as to ensure that I understand and am clear about the financial decisions that I make.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/limjiaxuan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-10-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/1618812016867-UR1BVC9A19DVEDSE1QNX/Lim%2BJia%2BXuan.jpg</image:loc>
      <image:title>Testimonial - Lim Jia Xuan, Scientific Officer at NUS</image:title>
      <image:caption>Sherman and I met through a mutual friend and I find him to be a personable and dedicated consultant who goes the extra mile to understand his clients’ interests, circumstances and preferences to map out their financial plans in a detailed and comprehensive manner. Sherman will be an asset to anyone who is looking to achieve better financial outcomes and I truly appreciate his holistic, personalised service and fast response to my queries.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/nurhadi</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/1617689906901-FUXG75EMIG6A11AFCQKZ/Hadi.jpg</image:loc>
      <image:title>Testimonial - Nur Hadi, Application Support Analyst at TD Securities</image:title>
      <image:caption>I have known Sherman since our days together in army, and he has been consistently advocating the importance of money management which was why I have utmost trust in him with managing my finances. He sincerely wants to ensure that his clients are financially prepared for the future. Our financial journey together has been great. He willingly spends the time to explain in detail about the policies that he recommends so that I can understand better about them and make an informed decision. The system that Sherman has set out for me is extremely effective to live by and has helped greatly in promoting healthy spending habits. With Sherman’s capability and knowledge, I highly recommend him to anyone who is keen to start and make a positive change to their financial journey.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/goldwyntay</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/1618648606703-0XZEFH6G00JOU6NHE8CO/photo_2021-04-17%2B16.34.42.jpg</image:loc>
      <image:title>Testimonial - Goldwyn Tay, Project Executive at Zenintant</image:title>
      <image:caption>Sherman is one of the most sincere wealth management consultants whom I have met. He is knowledgeable about personal finance, honest and forthright in his recommendations, and most importantly he is trustworthy. His patience and passion for his work is apparent. Not only is he generous in the information that he shares, but he is also able to break down complicated financial concepts into easily-understood graphs and visual examples. He helps his clients understand the steps that they have to take in order to progress towards their goals. As young working adults, we have sufficient time to make ourselves wealthy and move ourselves towards achieving our goals. The sooner we start, the more advantages we gain and the quicker we advance. Regardless of achieving your financial goals or tapping into a wealth of wisdom, Sherman is the one with whom to take the first step.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/neokailin</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/1623833140465-7W3UJK4ANBB2LXEOAG1L/Kai+Lin.jpg</image:loc>
      <image:title>Testimonial - Neo Kai Lin, Project Executive at Hegen</image:title>
      <image:caption>I was introduced to Sherman by our mutual friend, and he has been my wealth management consultant ever since. I feel very comfortable and secure entrusting him with my finances because he keeps me updated consistently, which is important to me. In addition, Sherman is detailed and meticulous in proposing the solutions to my needs, which aids me in understanding before I commit. Looking back, I’m glad that I was open-minded and receptive to the insights that Sherman has provided since we first met as I am now on track to achieving my goals.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/audreykoo</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/1617375514760-APNI64OVAS4O3OZL8GHM/Audz.jpg</image:loc>
      <image:title>Testimonial - Audrey Koo, Teacher at Ministry of Education</image:title>
      <image:caption>I first met Sherman through my best friend, and now we are friends. Sherman is patient and he took the time to explain the differences between the different types of policies. He also showed a cost-benefit analysis so that I can better understand why one policy is more suitable for me than the other. Sherman is trustworthy and responsible, and I have no doubt that he has my best interests in mind. One valuable takeaway that I have gotten from my financial journey with Sherman is the importance of planning for your future based on short-term, mid-term and long-term goals. In so doing, we are able to chart a plan to then make arrangements and changes to work towards these goals. If you are just getting started on your financial journey, exploring financial websites and seeking sound advice from trusted individuals are indeed valuable tools. Once you are ready to take a concrete step towards your goals, I recommend Sherman to support you on your financial journey.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/kohcheowtong</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/1617701595063-8JC55O151GGJZCR4DECM/Xiao%2BTong.jpg</image:loc>
      <image:title>Testimonial - Koh Cheow Tong, Tax Consultant at Ernst &amp;amp; Young</image:title>
      <image:caption>I have always believed in the importance of making plans for my future as early as possible, especially when it comes to my finances. I chose Sherman as my wealth management consultant as he is professional, friendly, and a pleasure to talk to. Since we are friends, the camaraderie between us put me at ease and I felt comfortable sharing my information with him.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/seanfoo</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/1618808835307-Y5C4XYJYL0V47XKV6ICR/Sean%2BFoo.jpg</image:loc>
      <image:title>Testimonial - Sean Foo, Senior Auditor at Deloitte</image:title>
      <image:caption>I met Sherman during my University days and we happen to share some common interests and financial goals in life. Sherman is someone whom I can trust and am comfortable talking to. He is an attentive listener who tries to understand what kind of policies I need. As such, I find the advice offered by him to be accurate and useful to help me make informed decisions. Sherman puts in a lot of effort to design a portfolio that suits my real needs. He also adds value during the financial reviews with the use of financial graphs and summaries to help me better understand my current financial situation. As such, I do not feel burdened and worried about not meeting my financial goals as I know he can be relied upon. One key takeaway from my journey with Sherman is to be responsible and not be afraid to ask questions. Sherman explains in a way such that I can easily understand what I am committing to, and he highlights important information that I need to pay extra attention to. Thus, it makes the financial reviews and sessions more informative and productive. A piece of advice I would give to those who are interested in starting their financial journey is to be confident and clear about your financial goals. Keep an open mind and fine-tune your strategy to meet your financial objectives. With this in mind, I am confident that Sherman will be an asset to support you in your financial journey.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/tanjieni</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/1619277683542-546N3YJG7LP5P2LZG2RV/Jie%2BNi%2B1.jpg</image:loc>
      <image:title>Testimonial - Tan Jie Ni, Marketing Intern at CWO</image:title>
      <image:caption>Sherman is trustworthy and sincere in helping his clients achieve their financial goals. It has been fruitful and enriching journey with him. The valuable advice and life experiences that he has shared with me have definitely broadened my perspectives. He also presents complex financial concepts in ways in which I can easily comprehend as well. Furthermore, he constantly improves his materials, showing how devoted and committed he is in his work.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/mahguojie</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-04-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/1617375681560-J0GDENMQ2LW95M4QY5QG/Guo%2BJie.jpg</image:loc>
      <image:title>Testimonial - Mah Guo Jie, Analyst at Avanade</image:title>
      <image:caption>Sherman and I were secondary school classmates, and even back then, he was already very passionate about the finance industry, and he proved it with his good grades. He studied diligently for his national exams so that he could achieve his goal of entering the Accountancy course in Singapore Polytechnic. My journey with Sherman has been a smooth one. He advocates the importance of good financial planning and starting as early as possible. Moreover, as Sherman represents an independent financial firm, he is able to be objective and unbiased, acting only in my best interest. He thus prepares a few policies that are best suited for me and further explains the pros and cons of each policies so that I can make an informed decision. To me, having trust in my wealth management consultant is of utmost importance. Having known Sherman’s character since our secondary school days, I trust him and am comfortable to share my financial situation with him.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/edmundtay</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-07-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/68549afa-2552-4fef-aa25-1a4e80e76d24/Edmund.JPG</image:loc>
      <image:title>Testimonial - Edmund Tay, Auditor at KPMG</image:title>
      <image:caption>I first met Sherman when we were studying in the same class during polytechnic. From there, I learnt that he’s a genuine person who takes pride in his work. Because of that, he was the person I thought of the moment I graduated and started earning a stable income. I knew he will be the person that can help me manage my finances better. I really enjoyed all the sessions I had with him because he’s very comprehensive and supported me in making well informed decisions!</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/clairexu</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/1617687366011-575EY61AOTHHPDG3PBIO/Claire.jpeg</image:loc>
      <image:title>Testimonial - Claire Xu, Teacher at Kinderland Educare</image:title>
      <image:caption>My experience with Sherman has been very pleasant. He is very passionate in personal finance and it shows in how he goes the extra mile for his clients. I also like that he is patient and gives me the time and space to make an informed decision. I feel very comfortable with him.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/sooguanroo</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-07-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/1618811163425-A881XKS9TAUGCC73SPBZ/Soo%2BGuan%2BRoo.jpg</image:loc>
      <image:title>Testimonial - Soo Guan Roo, Finance Analyst at Cleantech</image:title>
      <image:caption>Sherman and I have been good friends since secondary school. Sherman is attentive to detail and responsible, and he constantly updates me on the latest information and checks up on my situation and well-being. As we are good friends and I’m familiar with his character, I fully trust his attention to detail and financial planning. I also find the webinars held by his company very informative and beneficial. As such, my financial journey with Sherman has been enriching for me. It is beneficial to note that while accumulating wealth is important, protection of wealth is equally so. I find that as young working adults, it is crucial for us to understand the necessity of insurance and not to mind the small sum needed in exchange for a peace of mind as our wealth would be protected in case of emergencies.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/simpeixuan</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2021-10-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/1618815042459-CY3XZT5UPDSTLZW95JXM/Sim%2BPei%2BXuan%2B.jpg</image:loc>
      <image:title>Testimonial - Sim Pei Xuan, Auditor at PKF</image:title>
      <image:caption>Sherman and I first met in Singapore Polytechnic as project mates. The service that Sherman provides is top-notch and the advice that he gives is also very beneficial and applicable. Sherman is genuine in helping me out in my finances and he also explains financial concepts in an easily understandable way, which make things easier and more efficient.  An important takeaway that I have from our journey together is that I now have a better knowledge and overview of wealth management, which are crucial for me to reach my goals. Sherman has given me applicable steps to take in order to build up my wealth with ease as well.  If you are just starting out on your financial journey, definitely keep an open mind, and I’ll wholeheartedly recommend Sherman to guide you on how to better manage your finances.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/ezzah</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/94f3d5a9-d312-43ff-9527-d269a0d5eaa8/Ezzah.jpg</image:loc>
      <image:title>Testimonial - Ezzah, Mindfulness Researcher at SMU</image:title>
      <image:caption>Sherman has always been a reliable and dependable friend, one who listens with his heart and empathises well with others. I had no doubt that this would shine through in my interactions with him as a wealth management consultant.  He seeks to understand my career and life goals, and pushes me to be more forward-looking in managing my finances. I believe his approach with each client is unique and suited to our needs, and makes sure to cover all grounds with the policies and products that gives me more confidence to make an informed choice. He is also thorough and knowledgeable in his work, and I always feel assured whenever I voice out any doubts or concerns. He is patient and never pushy when I need more time to make a decision. He ensures that the choices I make are within my comfort level and that makes me feel like my needs are a priority. Sherman started out with just equipping me with knowledge on the importance of managing finances for a year before we dived into investments and implementing solutions to work towards my goals. For anyone in the same boat as me who would like to learn more, I would definitely recommend you to take the first step with Sherman because his passion and desire to help people is what makes him stand out as a consultant.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/mohamedjoyo</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-04-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/1618813533989-RNWEX8T5DQSA0HVVCR4P/Joyo.jpg</image:loc>
      <image:title>Testimonial - Mohamed Joyo, Logistic Officer at YCH Group</image:title>
      <image:caption>I got to know Sherman during National Service and we have been keeping in close contact ever since. Sherman is thorough in how he presents his proposals and shares his knowledge, and he does everything to the best of his abilities. There is mutual trust in our friendship and he also ensures that his clients are aware of any policy changes and are kept up to date with the latest information.  The depth of knowledge that he shares with me truly helps with my financial growth and understanding of my situation. I now understand how proper wealth management and having an effective system make our lives easier.  Listen with an open mind as to what he has to offer to support you in your financial journey. He will be more than happy to share his knowledge with you and I’m certain that engaging him will be the right decision.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/category/Travel</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/category/Relationships</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/category/Health</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/category/Culture</loc>
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    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.shermanng.com/testimonials/category/Sports</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>
  <url>
    <loc>https://www.shermanng.com/blog</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-05-13</lastmod>
  </url>
  <url>
    <loc>https://www.shermanng.com/blog/backpacking-through-europe-ykzjk</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-08-14</lastmod>
  </url>
  <url>
    <loc>https://www.shermanng.com/blog/vegan-trends-amp-fried-chicken-pd3kb</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-08-14</lastmod>
  </url>
  <url>
    <loc>https://www.shermanng.com/blog/music-affects-mood-jlg7z</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-08-14</lastmod>
  </url>
  <url>
    <loc>https://www.shermanng.com/blog/blog-post-title-two-t7f56-lbkay</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-08-14</lastmod>
  </url>
  <url>
    <loc>https://www.shermanng.com/blog/blog-post-title-three-wt8cw-2rl5j</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-08-14</lastmod>
  </url>
  <url>
    <loc>https://www.shermanng.com/blog/blog-post-title-four-c3k55-w6yb6</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-08-14</lastmod>
  </url>
  <url>
    <loc>https://www.shermanng.com/aboutme</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-09-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/521c0be2-ab86-4367-bc67-0fe1525d6b0e/zIPPFA+logo.jpg</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/d4ff69bb-1a2f-4691-8184-a67bd9ff8028/zProfile+Pic+%282024%29.jpg</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://www.shermanng.com/testimonialtest</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-04-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/1617092112512-MAKXD1BMMVOFPJH5CNCW/Liz.jpg</image:loc>
      <image:title>Testimonials test - Elizabeth Chee, English Educator</image:title>
      <image:caption>I love that Sherman is genuinely passionate about both knowing his clients on a deeper level and crafting personalised plans to suit their unique lifestyles and goals. It truly lights him up whenever a client is a step closer to their goals because of him. Not only is he trustworthy and responsible, but his ability to empathise with people makes him a gem of a consultant. If you are looking for someone to support you in your financial journey, I’m confident that engaging Sherman as your wealth management consultant will be one of the best decisions you make… Read More</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/1617092521201-H4FEOTV2QX333ATOBYL9/Audz.jpg</image:loc>
      <image:title>Testimonials test - Audrey Koo, Teacher at Ministry of Education (MOE)</image:title>
      <image:caption>Sherman is trustworthy and responsible, and I have no doubt that he has my best interests in mind. One valuable takeaway that I have gotten from my financial journey with Sherman is the importance of planning for your future based on short-term, mid-term and long-term goals. In so doing, we are able to chart a plan to then make arrangements and changes to work towards these goals. Once you are ready to take a concrete step towards your goals, I recommend Sherman to support you on your financial journey… Read More</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/1617098699142-6B9BUBV4ONPMXJFR8IKA/Guo+Jie.jpeg</image:loc>
      <image:title>Testimonials test - Mah Guo Jie, IT Specialist at German European School</image:title>
      <image:caption>My journey with Sherman has been a smooth one. He advocates the importance of good financial planning and starting as early as possible. Moreover, as Sherman represents an independent financial firm, he is able to be objective and unbiased, acting only in my best interest. To me, having trust in my wealth management consultant is of utmost importance. Having known Sherman’s character since our secondary school days, I trust him and am comfortable to share my financial situation with him… Read More</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/1617100720365-GYNY8RTQC43KCC10TAAL/Hadi.jpg</image:loc>
      <image:title>Testimonials test - Nur Hadi, IT Consultant at FDM</image:title>
      <image:caption>I have known Sherman for 5 years now since our days together in army, and he has been consistently advocating the importance of saving money. He sincerely wants to ensure that his clients are financially prepared for the future…</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/1617099925177-JRZ47PZQN7E1AE2MEUI7/Jie+Ni.JPG</image:loc>
      <image:title>Testimonials test - Tan Jie Ni, Admin Executive at Education Advocates</image:title>
      <image:caption>Sherman is trustworthy and sincere in helping his clients achieve their financial goals. He also presents complex financial concepts in ways in which I can easily comprehend. He constantly improves his materials, showing how devoted and committed he is in his work…</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/1617102672867-M5ZAENEKNBZ37Z6DQ9PH/Claire.jpeg</image:loc>
      <image:title>Testimonials test - Claire Xu, Assistant Teacher at Kinderland Educare</image:title>
      <image:caption>My experience with Sherman has been very pleasant. He is very passionate in personal finance and it shows in how he goes the extra mile for his clients. I also like that he is patient and gives me the time and space to make an informed decision…</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/1617102249660-PR6X51J1QF7TPBH8U9LL/Cheryl+%28paws%29.jpeg</image:loc>
      <image:title>Testimonials test - Cheryl Lim, Data Analyst at UOB</image:title>
      <image:caption>Sherman takes the time to understand the priorities and concerns of his clients before recommending suitable solutions to them. He is genuine and acts in the best interests of his clients, which is one of the things I like most about him. He is also knowledgeable about his work and …</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/1617103351452-SKQ93ETWIH66UJ8YOEM5/Lucas.jpeg</image:loc>
      <image:title>Testimonials test - Lucas Thin, Scholar at ArtCenter College of Design</image:title>
      <image:caption>Sherman is a passionate consultant who sincerely cares for his clients. He is knowledgeable and meticulous in the work that he does for his clients. Engaging the right wealth management consultant is just like leveraging on a coach to guide you in cultivating better financial habits and proper managing of spendings, and Sherman is the consultant I’d recommend to my friends…</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/1617101809601-5MPS3E773Q22DO7YAE61/Goldwyn.jpg</image:loc>
      <image:title>Testimonials test - Goldwyn Tay, National Serviceman at SAF</image:title>
      <image:caption>Sherman is one of the most sincere wealth management consultants whom I have met. He is knowledgeable about personal finance, honest and forthright in his recommendations, and most importantly he is trustworthy. His patience and passion for his work is apparent. Not only is he generous in the information that he shares, but he is also able to break down complicated financial concepts into easily-understood graphs and visual examples…</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.shermanng.com/home</loc>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
    <lastmod>2025-08-25</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/1617620327770-O5RX2KV27L3IJ5TXXXY7/unsplash-image-2oYHfuRe4OU.jpg</image:loc>
      <image:title>Home - My Mission</image:title>
      <image:caption>To help young working professionals attain financial independence and have the option to retire at least 10-15 years earlier in a simple, effective and proven way.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/1618108811095-O0XRT4FUOX5D2MJLDYFI/undraw_Investing_re_bov7-removebg-preview+%281%29.png</image:loc>
      <image:title>Home</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/1617938092588-ZR96TA6I2I6SC9TZBUC4/Screenshot_2021-04-09_at_11.07.19_AM-removebg-preview+%281%29.png</image:loc>
      <image:title>Home</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/1618108586020-GY0AM7QKT7JZ250KNVSH/undraw_Progress_overview_re_tvcl-removebg-preview+%281%29.png</image:loc>
      <image:title>Home</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.shermanng.com/contact</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2023-01-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/6051f77bc9910a0cfe2bb008/c842a7d8-1c09-4e4e-9935-054e0a02e160/Contact.jpg</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://www.shermanng.com/team-2</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-04-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1589847815334-NNTZWN1X1RBSMO3GJ4LG/headshot+of+a+smiling+woman</image:loc>
      <image:title>Team 2</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1589847814753-3IAUBSI6NG88GYWZ7ZSI/headshot+of+a+smiling+man</image:loc>
      <image:title>Team 2</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1589848273401-MIUUG4WZ1R1J18CIBICD/headshot+of+a+smiling+man</image:loc>
      <image:title>Team 2</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.shermanng.com/donate</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-05-13</lastmod>
  </url>
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