Dr. J Lo is a multi-talented individual who has made remarkable achievements in the fields of finance, philanthropy, and wealth advisory. With a div

Dr. J Lo is a multi-talented individual who has made remarkable achievements in the fields of finance, philanthropy, and wealth advisory. With a diverse background and a strong commitment to making a positive impact, Dr. J Lo's profile can be summarized as follows:

As a Certified Financial Planner (CFP), Dr. J Lo possesses a deep understanding of financial planning, investment strategies, and wealth management. They have likely acquired the necessary qualifications and experience to provide comprehensive financial advice to individuals, families, and businesses. Dr. J Lo's expertise in financial planning allows them to help clients set and achieve their financial goals, manage their assets, and navigate complex financial situations.

Beyond their financial planning expertise, Dr. J Lo is a notable social entrepreneur and philanthropist. They have founded Muhibbah Food Bank and En Xin Soup Kitchen, two charitable organizations dedicated to alleviating hunger and providing assistance to those in need. Through these initiatives, Dr. J Lo has demonstrated a strong commitment to community welfare and social impact, actively working to address food insecurity and support vulnerable individuals and families.

In addition to their philanthropic endeavors, Dr. J Lo has established LNM Wealth Advisory, a financial advisory firm. As the founder, they lead a team of professionals who provide personalized wealth management services to clients. Their firm likely offers services such as investment planning, retirement planning, estate planning, and risk management, tailored to meet the unique needs and goals of their clients.

Dr. J Lo's commitment to helping others extends beyond their professional roles. They are actively involved in community engagement and advocacy, working to raise awareness about financial literacy and promoting access to financial resources for underprivileged individuals and communities. Driven by their passion for social justice and equality, they strive to empower others through financial education and opportunities.

In summary, Dr. J Lo's profile encompasses their expertise as a Certified Financial Planner, their role as the founder of Muhibbah Food Bank and En Xin Soup Kitchen, and their leadership in LNM Wealth Advisory. Their diverse achievements in finance, philanthropy, and wealth advisory demonstrate their commitment to making a positive impact on individuals and communities, both through financial empowerment and their charitable initiatives.

Section 2: Nominee's Career Info

Write down a quotes of your beliefs, which would be an inspirational quotes from you as a Ten Outstanding Young Malaysian NomineeMake it short, within 30 words Every little contribution we make today leads to a better world. It helps the children to improve their well-being and realises their little wishes that meant a whole world to them.

Outline the career of the nominee, including background on the nominee's work or field of activity800 words With Jacyntha continuous self-driven improvement, enthusiasm as well as strong perseverance, she has overcome various challenges for the well-being of others. This enables the people she touch to accomplish a happy and blissful life by providing comprehensive services and educational information. Due to the impact of her childhood experience, she has always believed that education is the most important tool for the unfortunate ones to grow. Jacyntha graduated with a Bachelor Degree of Business Information Technology from Inti International University in 1999, Postgraduate Diploma of Executive Management and Leadership Practice from Hong Kong Institute of Chief Executives (HHKICE) in 2015 and Executive Doctor of Business Administration from Canada Sabi University in 2017.

After completing her secondary school, Jacyntha work numerous odd job such as a restaurant waiter in Kajang and she was promoted as a captain after 3 days based on her good performance and willingness to work extra hard. During her school days, she worked as an assistance in a clinic in Dr. Foo and Yong Clinic in Mantin where she was entrusted as a cashier to issue receipt and prepare medicine description. She had also worked as a packaging staff in a starfruit and sugar cane farm, and as a service crew in a video tape shop, grocery shop, and waitresses for wedding dinner for mobile caterer, carpet fixer and selling newspaper at home. During her higher secondary school day it is where she started her interest in the insurance industry where she started as a part time insurance agent and running management service company that offer services in personal income tax declaration, registration for new company and renewal of company registration, and preparing accounting for enterprises. By the age of 21 years old during her final semester in Inti University, she was already awarded the Most Valuable Agent (MVA) Award recognising her achievement in the insurance industry. She turned full-time after graduating from college and stayed on ever since. Hard work and interpersonal communication skills were an essential part of this trade as she continuously improve himself. Due to the companys hardworking culture, it set an example for her to work very hard and managed to close more than a lot of cases every year. She obtained his entrepreneur skills from these ventures which became essential for her current success. From there, she hones her sales and persuasion skills which eventually became very useful in his later life. She started out as an insurance and financial planner being her first corporate job in 1998 before eventually founded LNM Wealth Advisory Sdn. Bhd. in 2010. Her team produces 3 MDRTs through the year consistently and she ensure one will be promoted as Unit Sales Manager.

Her childhood was challenging as living in a small village growing up poor. She realised this since young that the only way for success is to work hard and there is no short cut. During her SPM years when she was 17 years old, teenager she was involved in a major road accident and the incidents changed her life forever. The accident taught her to realize the impermanence and fragility of life, which then propelled her to strive for excellence and instill a sense of urgency in risk planning for the public. That was what motivate her to join the insurance, life and wealth planning industry. In her early days, she has been travelling actively in between Kuala Lumpur and Seremban as she realised most of the big opportunities is located in bigger cities. She has realised the strategy of blue ocean, while many of her competitor is focusing on the same red ocean market, fighting for the same pie, she think out of the box and when she saw the harvest was plenty on the other side, it encourages her more to work harder. In year 2006 after she had delivered a baby girl, she stepped out from her comfort zone and joined a cluster insurance group in Kuala Lumpur. That was the big challenge for her as she really doesnt know how to drive around Kuala Lumpur, but due to her perseverance she achieved her first Million Dollar Round Table (MDRT) in year 2006 and she has been achieving it yearly till now for the past 12 years.

Provide information which will help the judges understand the challenges, problems, and scope of the nominee's area of activity800 words That earths great treasure lies in human personality is a key word that emboldened Jacyntha during the early stages of her company setup. Earth great treasure is protecting the rights of our children to enable them live peacefully in this world and to give them the sense of protection of right as fellow human being. Jacyntha realises that she needed to focus on a select few agents for him to set up her insurance business. She recruited countless of single mother and single ladies on her to empower them. There were a total of 53 agents had been recruited by her throughout her career which is an achievement given her agency is based in Nilai therefore fulfilling Sustainable Development Goals number 10 (ten). There was a challenge that there was possibly an uncertainty of new agents to join the group, as the group had just started so recently, but with some time, and the knowledge of having such an easy going, family oriented practice and friendly environment practiced by herself in LNM Wealth Advisory, people very soon became attracted and attached to the environment, as it provides rewarding system and it has so much positive energy for people to look forward to be.

Many life insurance companies applied trends and management styles that remain unchanged. What Jacyntha see is to do the unorthodox way to achieve greater success. Summarizing below are the tools she used to address her challenges, problems and scope of her area of activity:

A) Lack of selection requirements.

In the insurance company effort to increase new business premium collection, normally the management set very low achievement targets for new people. This results in majority of people leaving the business after less than two years in service. In LNM Wealth Advisory, strict selection is practiced to ensure that only qualified individuals are allowed to join the agency which make it premium in the market. This may sound contradicting because it is after all a commission-based industry whereby no monthly salary is paid. So why bother selecting? However, for LNM Wealth Advisory, results are clear as theyve churned out agents with strong qualities and this further proven through the multiple MDRT achievers. In the long run, this practice has proven fruitful and it has helped created a new image for the industry hence less agents drop out.

B) Lack of marketing and consumers behavior knowledge.

Sell to anybody is the term commonly used by managers in training their new agents. This only proves the lack of understanding for the market, the marketing techniques and applied strategy principles. By segmenting the life insurance market into different categories, more time is spent in obtaining the right objectives. Better services are rendered and thus bringing more sales in the form of referrals. LNM Wealth Advisory agents are trained to identify individuals, like businessmen without EPF as their need for retirement has to be fulfilled. They are selling with dignity giving them a sense of pride now.

C) The courage to make changes.

Some life insurance companies have been operating in Malaysia for over 100 years and its unfortunate that the trend and management activities applied has remained unchanged. One obvious example is the lack of target market segmentation and instead they continue to the mass market approach. Focusing on selected target segment often attract criticisms such as unprofessional or unethical. To many, it is like criticizing Mercedes for manufacturing cars only for wealthy customers! In the case of LNM Wealth Advisory, the courage to make changes and take risk has helped agents to improve productivity which is about 8 to 10 times the industrys average as seen in the case of LNM Wealth Advisory. Even though LNM Wealth Advisory is well-known in the industry and there are no secrets, it is a norm that many agents and agencies practice the traditional methods. It is always a challenge to change culture and human perception.

D) The problem of discipline among agents.

Without a fix monthly drawing of salaries, many agents do not find the need to report their daily activities. However, in LNM Wealth Advisory, a daily morning meeting is conducted from Monday to Friday and attendance is compulsory. This is unique case in Malaysia because 80% of most agency agents are still working on part-time basis.

Morning meetings have been conducted since 2009 without stop every working day and the sessions are becoming more and more interesting especially when attendees are increasing in numbers as curious people join to attend to see and believed what is happening. Today there are about 26 agents attending morning meetings daily, the largest group in the region.

All these initiatives are to ensure insurance agent carry themselves with pride to contribute to the community especially children empowerment and the rights for everyone to have world peace.

(refer Picture 3.1 Agent training picture)

Describe the nominee's exceptional achievements or contributions in his/her chosen field800 words Jacyntha has received many accolades and along the way her achievements demonstrated young women who never waver from the challenges thrown at her. Her feat best describes JCI Creed That economic justice can best be won by free men through free enterprise. As the creed wore on her she was awarded:

1. 10 consecutive years of Million Dollar Round Table (MDRT) Award from 2006 - 20172. 3 times Court of Table (COT) Award from 2014 2016.3. 6 years of Million Dollar Agency from 2007 2017.4. AKARD Award 2007-20185. International Dragon Award (IDA) which year, the highest recognition of International Chinese Life Insurance Congress 2008-20176. IMM Advisor 2008-20187. Each year qualifies for International Quality Award (IQA), USA since 1998

(refer Picture 2.1)

As a JCI member she truly understood the meaning of Service to humanity is the best work of life endearing the Sustainable Development Goals number eleven (11).i. Jacyntha launched the Pertubuhan Kebajikan Amal En Xin recently on 28 February 2018 in Negeri Sembilan. The primary goal of the CSR association is to focus on helping the needy students. She played an ambassador role for the programme, and her participation greatly benefitted the objective, as she helped make this programme a success.ii. (refer Picture 2.2)

iii. Jacyntha contributed her work to many charity based events such as organising concert in Tzu Chi School and RM 30,000.00 were raised and donated to the school. She also volunteer in the fire disaster fund raising in Seremban market back in 2017 raising donation for the fire victim. Jacyntha went to Nepal in 2016 bringing along with her 100 kg weight of stationary, socks, cloths for the kids in Nepal. Jacyntha also sponsor breakfast to 80 refugee students in Seremban, Monday to Saturday. She is also a patron for Grace Covenant where she gives financial support yearly amounting to RM 5,000.00 and this show that her work in charity cut across bi-partisan bringing world peace. (refer Picture 2.3)

iv. Jacyntha believes that no matter how much education one may received in college it will never be enough as knowledge in life kept on evolving and one must continously seek life long education so that they will continue to be better. She has a tacked of sponsoring her agents attending life long training courses and trip so that they can bond together. (refer Picture 2.4)

v. Jacyntha was invited as a speaker in September 2017 at the Inti International University speaking to approximately 250 students. The theme of the event included two other guest speakers who would share their life experiences on their entrepreneurship journey.(refer Picture 2.5)

vi. Some examples of her charitable feats that promote human rights and world peace was published in newspaper and journal such as

a. Evening food delivery from Selayang market of all kind of vegetable to orphanage and old folks home.b. Sponsoring 3 students schools fees since 2017 & 2018 for the whole year.c. 20th Anniversary Celebration in life planning industry in Seremban Regent Hall on 30/03/2018.d. First and the only one agency in Malaysia, LNM Wealth Advisory manage to request a Special Care product for orphanage and old folkse. ENXIN Foundation founded on 28 February 2018.f. Enlisting prominent businessman Dato Alex Chai help to raise fund for EnXin Foundation.(refer Picture 2.6)

vii. In July 2018, Jacyntha received the JCI Entrepreneur Metropolitan Kuala Lumpur 2nd Quarter 2018 and half yearly awards as the Most Outstanding Member and the Most Impactful Society Individual Awards. The awards program from the Chapter is in support of the United Nation Sustainable Development Goals of which JCI at the world level is a signatory to the pact. (refer Picture 2.8)

Followings are some of the achievements in the life insurance industry that exemplifies the life of a woman who has never selflessly in building positive change in others and serve other individual to realise their potential so that in their work they will contribute to children empowerment, world peace without conflict and human right empowerment.A. The FIRST Negeri Sembilan native to achieve 10 consecutive years of Million Dollar Round Table (MDRT) and 3 consecutive years of Court of The Table (COT).B. Any other exceptional achievements.Jacyntha uses only one single strategy and method for the Malaysia market which is by selecting only top-notch sound-minded and demanding of her agents because she believes that her chosen choice of an agents will one day be a MDRT qualifier. To prove that Jacynthas strategy is a measure above the rest, she and 5 agents collected RM4mil in premiums in 2013 and 2014 consecutively which is a record breaking for an agency in Nilai. Jacyntha also build 3 agents achieving MDRT in their second year as insurance agent.

List public statements from authorities, honors and awards received which affirm the nominees' achievements or contributions800 words Quotes by successful businessman and important people that describe Jacyntha success.

Jacyntha had selflessly and tiresely work for children empowerment. Her work in this field in extraordinary with the setting up of En Xin Foundation, children will now have a place to go to shelter, to be fed and to be school. An enormous act of giving back to the community

Dato Alex ChaiDirector of DRAFTEN GROUP OF COMPANIESMaestro Fine Art Sdn BhdMantin Forest Art Resort

Jacyntha is a person with full of zest in work and life. In work, she always pursue for excellence. More importantly, she has a big heart of serving communities that is in need, and this efforts never end. She is a pragmatic social entrepreneur and great role model to everyone!

Harvard ChooFounder and Managing Director People Reengineering Consultancy Sdn. Bhd.

I would describe Jacayntha as an ant worker. Never cease building for the community. She blend her work in the insurance field with a passion for children welfare. Her work is just amazing giving much hope to children so that they have better future

Mr KK Ng, CEO of Great Eastern General Insurance

She has a big heart. While people chase for profit, she gave back enormously to the community especially to empower children so that they can have a better tomorrow. The community empowerment cut across religious denomination attesting that human rights see no color of skins and religious boundaries. Im proud of this local Negeri girl who had given back so much to the society.

Rev. Siah Ah PoDirector, Pertubuhan Kebajikan Amal Charis Mantin Negeri Sembilan

Jacyntha always offer her office as a training venue for JCI members. One of the most significant is the SDG Workshop where more than 30 people attended, and the objective of this spectacular one day program is to promote the 17 United Nations Sustainable Development Goals. Jacyntha, being a new JCI member, value the importance of training to the youth especially JCI members.Charter President, JCI Entrepreneur Metropolitan KL Chris Wong

JCI Awards Awarded the JCI Entrepreneur Metropolitan Kuala Lumpur 2 Quarter Most Outstanding Member for recruiting more than 12 members Awarded the JCI Entrepreneur Metropolitan Kuala Lumpur 2018 Half Yearly the Most Impactful Society Individual Awards.

Song Hock WanChief Distribution OfficerGreat Eastern Life Assurance (M) Bhd(refer to Great Eastern attachment)

Section 3 To be Filled by Nominator

Summarize the nominee's most outstanding efforts that exemplify the principle expressed in the following line of the JCI Creed: "That service to humanity is the best work of life"800 Words As an active citizen, she cares not only about her work but also about the people that work for her and people around her. Her list of achievements, recognition, and distinctions are limitless, countless. Her events are to do good and to create positive vibes with people and give people who have nothing to look for in the future, hope.

Jacyntha greatest achievement to date is the success of being the first Malaysian who has successfully lobbied a multinational insurance company Great Eastern to issue medical cards and insurance protection policy to orphanage and senior citizen at the flat rate of RM350.00 per annum covering RM20,000.00 for life and personal accident while for medical reimbursement is RM500.00. No other insurance agents had done this before in Malaysia thus fulfilling Sustainable Development Goals number three (3) and ten (10).

She had also established En Xin Foundation as a charity home for the homeless especially children. Children will be taken in for shelter and as a place call home where they will be fed, house and school. The home is also now being used as a centre for food packaging and distribution to the needy. In short En Xin Foundation promotes children right access to education, housing, education and gender equality while promoting human rights for all.

Jacyntha has also been gathering resources to provide support to many charity organizations, especially to schools, childrens home and old folk home. She has been sponsoring the living cost and tuition fees of some students at Chung Hua High School Seremban. Somehow, her will of helping the unfortunate group does not limit to national borders, she even sponsors living cost for students in primary and secondary schools of Nepals Buddhism Association. Moreover, she is eager to lend her helping hands without restriction on religion, this is obvious when she donated her house for the Christianity Charis Rainbow Land Childrens Home in Mantin, Negeri Sembilan, as well as continuous support to the Charis Old Folks Home.

In 2017, she was selected as the top 40 finalist of the Top Ten Outstanding Young Malaysian Award. With the recognition it further spurred her the enthusiasm to be involved in charity and these efforts has continuous and undivided support from her business partners, customers, family and friends over the years.

In 2018 as an active member of Junior Chamber International (JCI) Entrepreneur Metropolitan KL she has been an exemplary role model. From opening up her office to conduct JCI training to charity work touching the lives of the homeless to advocating JCI creed, mission and vision, Jacyntha has really transformed to an extraordinary human being.

(refer to Picture 5.1 photo of policy and picture of children receiving their policy)Jacyntha contributes largely in the image transformation of the industry by improving the productivity and income of agents, hence, this has given the industry a new look. She has about 53 agents in her agency. The nature of the business is very suitable for women and their need for flexible time of their own to function as a mother and financial independence especially as a divorcees. With the current uncertainty in the global economy situation, selling life insurance is a good choice especially for those with fear of retrenchment. The hardship that the nominee has gone through is definitely a great inspiration to many striving young adults. How to get oneself out of a difficult and uncontrollable situation is what most of Gen-Y Malaysians needs to learn.

A visit to Jacyntha office will be able to determine how much efforts have been invested to unleash each individuals potential. From Monday through Saturday, 8.30am to 9.30am, a group of young and energetic men and women rushing to the office to attend morning meeting. All these people are not salaried workers, and they do not have to punch card, yet they are punctual in attending all morning meetings. This is how positive change have work in the lives of people that Jacyntha has touched personally.

Jacyntha also adopts the proper training method as part of her career building into her agent as she believes in That the brotherhood of man transcends the sovereignty of nations envisaging Sustainable Development Goals number four (4) where no one is left behind because everyone deserves to be treated fairly as human. She believes that potential in a person is limitless but we do not know or understand how to utilize our hidden potential wisely. She educates and trains her agents to use their subconscious to further enhance their mind and their ability to communicate and achieve whats desired. The training program has successfully train her agent to be better and competent individual thus improving their life and success in their career.(refer to Picture 5.2 JCI Training and Charity Event)

Summarize why you believe that the nominee should be selected for the Ten Outstanding Young Malaysian Awards 2018100 Words As an active citizen and a member of JCI, Jacyntha always been at the forefront advocating the belief that Service to humanity is the best work of life and Sustainable Development Goals number 17 (Seventeen) in promoting and contribution to Children, World Peace or Human Right.

Jacyntha has proven herself worthy to be selected as the JCI TOYM for 2018. She has improved so much in a short period and has dedicated much of her young adulthood to help others improve thus improving herself while advocating Children, World Peace or Human Right in the course of her work.

I accept that this section will be visible to public Section 4 References

Full Name CHRIS DANIEL WONG

Mobile Number 0146376655

Email Address chrisdanielw@gmail.com

Occupation CHIEF EXCUTIVE OFFICER

Office Address CRIGEN RESOURCES HOLDINGS BERHAD

D-02-09, BLOCK D, KELANA SQUARE 17

JALAN SS7/26, KELANA JAYA

PETALING JAYA

MALAYSIA

SELANGOR

47301

State how long you have known the nomineeState clearly months/years I had known the nominee for approximately two years during a training. Although the time maybe short but I came across Jacyntha as a person who will give the whole world if she has the mean. At first meeting her she shared with me kind of charity she does and what she wants to do when she set up a home. Differing from other people whom I met who will share what kind of business they do and how they will try to pitch you to work together to look for more profit. She approached me in a simplistic way but worth remembering through her work for the children bringing peace and human rights to the society at a time when these people are really in need. Over the past two years the invitation I received from her is countless of visitation and charity work for the children home she adopted and likewise mission she champion for the children. When I reflected on it, I see someone who is selfless for above all it is how she curate her life to contribute to ensure children have a better place to live in this world, a place where they can grow and be better and create positive change within their sphere of influence bringing world peace and human equality.

Full Name LEONG KOK WENG

Mobile Number 0137776876

Email Address alexleong6876@yahoo.com.my

Occupation OPERATION DIRECTOR

Office Address LNM WEALTH ADVISORY SDN BHD

22, JALAN BUKIT BELIAN

TAMAN BUKIT BELIAN

MANTIN

MALAYSIA

NEGERI SEMBILAN

71700

State how long you have known the nomineeState clearly months/years I have known Jacyntha since 02/6/2011. Formerly I was an engineer and under her guidance I had become a MDRT top performer. Jacyntha has played a big role in my life shaping to the person I am today in the industry. Her mentorship and guidance teaches me how to be a leader in the organisation and bringing people around me to greater height.

Section 5 Declaration

Signature of Nominee Full Name Title Jacyntha Lo details

Phone Number Title Email Address Title Occupation/Business State how long you have known the nominee 2 YEARS

Signature of Nominator Organization Name Alan Ou

Organization Phone Number 0149310939

Organization Email Address ice.alan@gmail.com

Organization President/Head Secretary General of JCI Entrepreneur Metropolitan Kuala Lumpur

State how long has the nominee been a member of the organization 2 YEARS

Signature of Organization President/Head

Summarize why you believe that the nominee should be selected for the Ten Outstanding Young Malaysian Awards 2018

100 Words

X

As an active citizen and a member of JCI, Jacyntha always been at the forefront advocating the belief that Service to humanity is the best work of life and Sustainable Development Goals in promoting and contributing to Children, World Peace or Human Right.Jacyntha has proven herself worthy to be selected as the JCI TOYM for 2018. She has improved so much in a short period of time and has dedicated much of her young adulthood to help others improve thus improving herself while advocating Children, World Peace or Human Right in the course of her work.