Many people paralyzed by fear at the mere thought of being an entrepreneur, just as I did before. Therefore I like to share my experience through this book, and I hope this will be helpful for you if you are moving into a career in finance.
Copyright: Wei Liang
Published: July 2018
Publisher: Wei Liang
The right of Wei Liang to be identiﬁed as authors of this Work has been
asserted in accordance with sections 77 and 78 of the Copyright, Designs
and Patents Act 1988. All rights reserved. No part of this publication may
be reproduced, stored in a retrieval system, copied in any form or by any
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You may not circulate this book in any format.
Author’s Biography : Wei Liang...................................................................
Preface, By Wei Liang.................................................................................
Chapter 1 : Which Elevator will you get on?...............................................
Chapter 2 : Getting on the “Up” Elevator Through the Financial
Chapter 3: Keys to Successful Entrepreneurship..........................................
Chapter 4: Is Working on Commission Risky?.............................................
Chapter 5: Can I Become a Successful Financial Advisor?...........................
Chong Wei Liang is a visionary business
developer who has started his career in
insurance since 2004. He had worked with
families and professionals for the past 13
years in providing ﬁnancial solutions to
realize client’s ﬁnancial goals. His client
always commend his quality of being a
good listener, attentive to details and
Your Thought Shape Your Destiny!
His family was impoverished by a ﬁnancial disaster when his father has been
diagnosed with “sickness”. To sustain the family, he worked on 3 different jobs
daily, being a ﬁnancial service consultant, a Judo coach and also a salesman in the
same time. He worked hard for the family but also struggled to work on his
dreams. He like many people are stricken by life’s struggles and at the verge of
giving up their dreams.
In 2008, he attended a workshop where he was introduced to the “vision board”.
The coach asked him to chart out his vision for the next 3 years in life and to send
a letter to his future self in 1 years’ time. With the vision board, he is clear that
career in insurance is what his desires and have focused on it ever since.
At ﬁrst, like many other start-up agents, he struggled to grow his pool of customers.
He has learned much after trying various methods in cold calling, road sales, and
door to door. Finally he found an effective method via referral. Through referral
the agency has seen a rapid growth into a six ﬁgure agency and have impacted
many junior managers and their teams.
Deep down my heart, I’m aware of the things I didn’t wanted. I do not want to
work just to meet the month’s end. Instead of spending time with my beloved
family, I’ve worked additional jobs. Most of all, I do not want to be a visionless
and fearful person.
Many people paralyzed by fear at the mere thought of being an entrepreneur, just
as I did before. Therefore I like to share my experience through this book, and I
hope this will be helpful for you, if you are moving into a career in ﬁnance.
Within this book you will learn about:
2.Mentality for success
3.The pros and cons of a day job versus business and commission based business
4.Answers for your common concerns
PREFACE BY WEI LIANG
Have you ever been working day and night
but feeling you are stuck and going nowhere?
I have been there too. 10 years ago I worked really hard to support my
family’s ﬁnancial. I was hoping that I could turn our ﬁnancial situation around
by working hard. I used to think that the more I’ve worked, the more I will earn.
However, I could hardly save up to anything. Most of my income are to ﬁnance
my car loan, insurance and my family expenses.
At the end I couldn’t even afford to own a property.
Chapter 1: Which Elevator Will You Get On?
We’ve all had the experience of waiting for an elevator and having two doors open
simultaneously, which momentarily confuses us as we try to decide which door to
When we look up and see the arrow indicating the direction of each elevator, it
makes it much easier for us to choose the correct entrance, depending on whether
we are going up or down. It’s funny, isn’t it, how we still sometimes hesitate when
those two open doors, even though we knew
which direction we intended to go in well before
the doors opened simultaneously? There’s
nothing funny about going down when you
want to go up, especially when it relates to
your ﬁnancial future. Yet, that is precisely what
is happening to most people around the world
The Pareto Principle and Malaysia
When the well-known Pareto Principle—80% of the wealth is controlled by 20%
of the population—begins to impact your career in a big way, it moves from
abstract concept to harsh reality. And considering that Malaysia has the greatest
income inequality among democratic, capitalistic countries, that 80-20 principle is
probably an underestimate of the unequal distribution of wealth in Malaysia.
So this is why we ask: which elevator will you get on? The one that could lead to
being in the top 20% of the 20% who control the bulk of the wealth, i.e., the 4%
of Malaysia’s population that are multimillionaires? Or, the one that will continue
to get a smaller and smaller portion at that table?
A Contrast of Elevators
Beyond fairly abstract numbers, think of the concrete differences between those
who are traveling in the “Up” elevator and those plummeting in the “Down”
Financially secure and stress-free vs. living paycheck to paycheck with constant
A rewarding sense of accomplishment vs. an endless quest to climb a slippery
Plenty of time for family and friends vs. taking a second job and overtime to
make ends meet
Able to impact society for good through ﬁnancial clout vs. voiceless, impotent
complaints about society
This list of contrasts could go on and on, but you get the picture of the groups in
the two elevators. So which one do you want to walk into?
We’re Conditioned to Hop on the “Down” Elevator
Perhaps you have not even thought about the fact that you choose which elevator
you will enter every day, by your actions and inaction. Unfortunately, we have
all been conditioned to think that it’s normal to ride on the “Down” elevator
and that struggling ﬁnancially is part of life.
This has resulted from the input of many sources, including our teachers. Robert
Kiyosaki, the best-selling author of Rich Dad, Poor Dad, points out that our
school system is designed to create good employees, not employers.
He said, “We go to school to learn to work hard for money. I write books and
create products that teach people how to have money work hard for them.” In other
words, our schooling conditions us to naturally enter the “Down” elevator. We
don’t believe that everyone should simply ﬁle obediently into the “Down”
elevator. We think that in a free-market country, everyone should have the freedom
to design his or her own life rather than scrape by on meager wages, happy just to
make ends meet.
Money is not a stressful area in your life.
You are able to arrange your schedule around your children’s special events —
and never miss one!
You have the freedom to play a round of golf each week to refresh your body
and soul, during normal (less-crowded) work hours.
You have the freedom to take a vacation for as long as you like, not cut if off
when a boss or company ordains that you have
By taking just half an hour to read this book
, you guarantee yourself a spot on the “Up”
What if you could burst out of the “Down”
elevator and hop into the “Up” elevator?
Would you do it? We thought so.
What This Book Will Do For You
Stay with us over the next several pages and you will learn the secret
to changing which elevator you get on, and changing your life
and the destiny of your family
as we reveal the keys to solid, consistent, liberating wealth creation.
The two elevator doors have just opened in front of you.
Which one will you choose?
As you move on to this second chapter, we are conﬁdent that you have chosen to
ride in the elevator going up. This brief book will help you to get to where you
want to go as you reach true ﬁnancial freedom through working in the exciting
ﬁnancial services sector.
People who decide to become
their own boss in the ﬁnancial
services sector ﬁnd several beneﬁts
that go far beyond increased
compensation. As we’ve worked
with entrepreneurs in this area for
several years, they mention ﬁve huge beneﬁts found in their new career:
A huge sense of fulﬁlment as they impact society through their newfound
wealth and ability to employ others. People’s lives are changed and there is no
price tag to put on that. Both clients and family members will thank you for what
you do for them.
A tremendous amount of pride and self-satisfaction as you reach your potential
as a person, perhaps for the ﬁrst time. As you make your living off of commissions
and operate under a performance-based income, you might be surprised at how
far you can push yourself and how much you can achieve.
Chapter 2: Getting on the “Up” Elevator Through the
Financial Services Sector
Relief as you control your own destiny in many ways, from being your own
boss to choosing your own clients. As you work in the ﬁnancial services sector, you
ultimately decide how much you earn, when and where you work and how long
you really need for vacations and sick days. This self-direction does wonders for
A far better work-life balance as you are free to spend time with family and
friends because you decide your own hours. You will never miss a child’s important
event again because you can plan around his/her schedule. And, if you sense your
family needs to get away—no problem, you are the boss and you can elect to go
on a much-needed vacation.
A new level of relaxation as recurring income is generated with time, meaning
that you don’t have to continually beat the bushes for clients. This new serenity will
impact your entire life and your relationships with others.
These beneﬁts cannot be had when you work for others. Have you ever noticed that
if you simply change a few letters, “salary” can be rendered as “slavery” That’s no
The fact is that if you are living on a salary as an employee, you are a slave to the
system. And, if you respond with, “But I have security,” I think you understand by
now that there is almost no job security anywhere in the world today. It doesn’t
matter how hard you work, how much your boss likes you, how well the economy
performs, you face an income cap due to the system. You also are just one brief
notice of termination from ﬁnancial devastation, and you have seen friends and
colleagues go through that.
A Changed Attitude for a Changing World
Lifetime employment and unquestionable job security are remnants from the past.
The world has changed drastically in the past few decades, and you need to as well.
The old saying, “If it’s meant to be, it’s up to me” has never been more true.
If you are to achieve the ﬁnancial freedom that you seek for you and your family,
you will need to go out and grab it yourself. You know this deep down, and that’s
why you’re reading this book. Working in the ﬁnancial services sector gives
you the greatest opportunity to have the life you’ve always dreamed of.
Take a look at this table to understand the choice you face:
Are told what to do for 40+ years of
their working life
Once trained, free to manage time as
they see ﬁt
Maximum earnings are dictated by
No cap on earnings
Lifestyle ultimately determined by
Lifestyle a matter of own choice
Sense of fulﬁlment limited by bosses Unlimited sense of fulﬁlment and
achievement, chance to realize full
potential as a person
Often works with clients that are
assigned to him
Chooses own clients
Now that you clearly see the numerous advantages of working as your own boss
in the ﬁnancial services sector, let’s get into speciﬁcs about achieving success.
What are the characteristics of entrepreneurs who achieve the lofty ﬁnancial goals
that they set?
Chapter 3: Keys to Successful Entrepreneurship
Why is it that some people get incredibly rich and lead amazing lifestyles while
running their own businesses, and others struggle to grow their client list and
have difﬁculty expanding their business?
Over our years of study and observation while helping to launch people into
entrepreneurship as ﬁnancial consultants, here is what we’ve found to be the keys
They have fantastic mentors who guide them about what they should and
They have carefully completed a comprehensive, proven training program
They are surrounded by a strong team and positive culture that provides
abundant mental, physical and emotional support
How We Set You Up for Success
We ensure that you will have all of these
keys to success:
Our mentors are the best of the best
in the industry―more than willing to
impart their extensive knowledge and
experience to you, greatly reducing
your learning curve.
The average productivity in the
industry is approximately $45K; our average is 3-5 times greater than that.
We have our own proprietary investment methodology and investment team,
which helps our clients to build and increase their assets.
We work with external partners who are the best regional speakers/trainers in
their ﬁeld to organize seminars and events for leads generation—something that
other ﬁrms don’t do.
Chapter 4: Is Working on Commission Risky?
As you’ve read about becoming a ﬁnancial consultant, you have probably
surmised that you will be working on commission. You are correct.
That doesn’t have to be frightening, however. In fact, it can be highly liberating
as you realize that you will earn as much as you want to, in direct proportion to
the effort that you expend.
The key to becoming ﬁnancially independent as you work on commission is
to have an arrangement with the parent company that is fair. In that regard,
we are entirely trustworthy, and you will discover that very quickly.
In response to the idea that a commission earner operates under a high-risk
arrangement while a salary earner faces only a low-risk future, consider
carefully the following chart:
(Source: Gama International)
Career Investment-Risk-Return Matrix
Investment Risk Return
Low Low-Med High
To explain this chart, realize that one way to view risk is to understand it in
relation to how people pay you. Wage earners fall into one of three categories
when it comes to getting paid: business owners, employees and advisors. Think
about how each of these groups of people receive compensation:
Business owners often face a situation where they have 30 accounts, with a
couple of them making up a huge slice of their revenue, often up to 80%. Think
of what happens if one of those prominent accounts is lost: that is true risk!
Employees have only one account, of course: their employers. If the employer
ﬁres the employee, he/she loses ALL of his/her accounts. Again, that is true risk.
Advisors, on the other hand, have hundreds of clients that compensate them. If
they lose a few from time to time, the risk is absolutely minimal. There is almost
no chance of losing all of one’s clients. This is far less risky.
The Investment Needed to Achieve Wealth
Another way to understand how low risk being a ﬁnancial advisor is, it can be
helpful to reﬂect on how much of an investment is required to achieve considerable
wealth. Think about how much these groups of people invest to make six-ﬁgure
Doctors and lawyers go to school for many years and pour tens of thousands of
dollars into their education, as well as paying for several examinations
Business owners often need a gigantic amount of capital to launch, at least in
the mid-ﬁve ﬁgures
Now, think about what will be needed to begin your new career as a ﬁnancial
advisor: at most, the cost of a license to do business.
And don’t forget—many ﬁnancial advisors make six-ﬁgure incomes within
three to ﬁve years, with some reaching that ﬁgure sooner and others making
seven- and eight-ﬁgure incomes.
As you can see, the “risk” of being a ﬁnancial advisor is almost nil. You invest
very little money, and the possible payoff is huge.
Chapter 5: Can I Become a Successful Financial Advisor?
Now that you understand what it takes to be a successful entrepreneur and how
launching out on your own is actually a low-risk move, you must decide for
yourself whether becoming a ﬁnancial advisor is right for you.
We want to give you a bit of input as you make that decision. From our years of
working with all sorts of advisors, we have come up with a proﬁle for a successful
advisor. If you can put a checkmark beside each of these attitudes, then you have
what it takes to become a ﬁnancial advisor and lead the type of life that you’ve
always dreamed of!
To succeed as an advisor, you should:
Have the desire to help others.
Be a good listener and able to understand people’s problems. As Roy Bartell, a
master salesman, has said, “Most people think ‘selling is the same as ‘talking,’
but the most successful salespeople know that listening is the most important part
of their job.”
Want to work for yourself and be your own boss.
Have the ability to build strong relationships as you establish excellent rapport
Enjoy going out and meeting new people as you network through social events.
So, do you have what it takes? Are you ready to get on the “Up” elevator?
Let us guide you as you commence your lucrative new career as a ﬁnancial advisor.
You will never want to work for anyone else again.
I WANT YOU!
We are a Group of Wealth Coaches
Looking Super Heroes like You!
TAKE CHARGE NOW
Send your resume and cover letter to
Gordon Ong was an international judo player.
At the age of 19 inspired by Chong wei liang ,
he embarked into the insurance industry. At
the age of 24, he founded his own ﬁnancial
consultant ﬁrm. He aspired for wealth and
soon to realize his dream to travel over 27
Richmond started his insurance business back in 2004.
Prior to this, he was a promoter selling home appliances in
a shopping mall. After 3 years as a promoter, he realized
that he can never make his dream comes true, the dream
of travel around the world. After a year he embarked into insurance
business, soon he completed the Registered Financial Planner(RFP) program as
well, in order to equip himself with professional ﬁnancial knowledge, to
provide a better services to customers with their ﬁnancial planning and risk
management. In 2015, he founded his ﬁnancial
consultant ﬁrm, with the mission to cultivate
and help talents to be successful in this
industry, through providing the utmost
professional and exceptional insurance
services to clients. Nowadays, Richmond
enjoy taking long holiday to travel around
the world every year. He ﬁrmly believes
that, hard work will only bring great
success if through the right platform!
Senior Financial Strategist
and friends in time of need and provide them the ﬁnancial knowledge.
He urges his customers to understand their own policy because this is
a very important matter. It turns out the insurance career is both
meaningful and fulﬁlling. Jaden is a believer in positivity, understanding
and action towards a goal. Insurance should be seen as an umbrella, you
may not always need it until it rains.
His consistency and good attitude brings him a lot of good comments
from customers. He has earn 6 digits income in short period of time,
rewards from company. Last but not least, He gain honor from company
for sharing his experiences of this career.
Jaden Ng was an Ex-SUKMA volley ball captain.
He was in the goldsmith business for 9 years.
In 2011, he ventured the insurance business believing
that it would change lives and able to aid many families
Har Wai Meng
Senior Financial Strategist
Har Wai Meng graduated from University of
Science Malaysia (USM) with a bachelor in applied
chemistry. He also holds a master degree in
business administration (MBA) from the university of
Sunderland, UK. He joined the life insurance business in 2013.
Prior to this, he was holding a position as project manager in a
MNC. Since then, he achieves 4 times PWP qualiﬁcation and 2
times Star Club qualiﬁer. To date, he has accumulated about
400 clients from 100 families. Har Wai Meng's strength is to
provide professional and exceptional insurance services,
through need base analysis and recommendation. Nowadays,
he enjoys spending almost a month traveling around the world
every year. His life motto is: Everything is possible through
persistence, hard work, and believe.
as an internship, thus she gained a lot of precious knowledge and
experiences from it. For instance, need based selling, calling skills,
presentation and referral.
After graduation, she went to Singapore and worked with well known
international bank. With her strong foundation and courage, she had
performed exceptionally well. She promoted to the position of
Like many Malaysian, she worked hard in Singapore as she wanted to
give the best to her family. However, is this the best choice?
She realized that earning Singaporean Dollar is only a short-term
achievement. Long lasting success can only be achieved by being a
sole proprietor of a business, and therefore ﬂexibility in time. She then
returned to Penang and kick-started her business in ﬁnancial service.
She rejoined Team Unity Advisory, starting from zero. It was
such a wonderful achievement that within 6 months she qualiﬁed and
honoured with the Star Club Qualiﬁer. Championing the ﬁrst place
for 2018 Rookie Leaderboard and was praised by many of her clients
on her professional knowledge and services. Now she had begun to
assemble and trains her own team. “No Guts No Glory! No Legend No
Story!” that her motto.
Jane Teo was a graduate from University of Nothern
Malaysia(UUM) as a Bachelor’s Degree in International
Business. She joined Prudential’s Team Unity Advisory
If you are still reading, chances are you are curious about this new career. So, to
congratulate those (you of course) who took action in picking up and reading this
book, we have a FANTASTIC gift for you.
We are offering you a one-on-one career coaching session―FREE. You will meet
individually with our regional coach/trainer, who specialises in career coaching, at
no cost to you. The session includes two personality, value and strength (PVS)
analyses to help you to evaluate your strengths and weaknesses. Research has
shown that people progress faster in their careers if they understand their strengths
and weaknesses. PVS and career coaching work hand in hand to help people
accomplish more, advance faster, and not be stuck in areas where they can’t add a
lot of value. Without this insight, performance can suffer and advancement may be
slower in coming.
So you might be asking yourself right now: Why should I spend one hour with
you? Instead, we will ask you this question: Why not?
Reserve your FREE career coaching session today by:
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The Path to Financial Freedom
Kindly take 10 minutes of your time to pen down your reﬂections. Here are some
questions to help you get started.
1. What ignites you up, makes you feel energised or gets you motivated
- where are your passion?
2. What are the 3 things you could not put up with, regardless of how
attractive the career is?
3. What are the skills, talents, and pursuits would you like to have or
develop in your career?
4. What are the things in life (be it tangible or intangible) that you value
most? (Try to name at least 3)
5. If there is one thing in the world that you would do without getting
paid, what would it be? And why?
Bring this copy along when you are attending our career coaching session.