
Joyce Ngo & Associates
~ Protecting Dreams, Building Trust. ~

Joyce Ngo
Financial Services Director
Year Joined DKO: since 2015
Years of Experience in the Industry: 10 years
Previous Profession: Customer Service Manager
Value Added Services: Exclusive Client Events, Health & Wellness Programs
Notable Achievements: MDA (2024)
Areas of Specialization: Financial Planning Tailored to Diverse Profiles (Families, Individuals, Multi-generational Wealth Management)
A Note from Joyce Ngo:
I started my career in customer service, where I spent five years mastering the art of listening, problem-solving, and - most importantly - building trust. Nothing fuel my motivation more than a heartfelt "thank you, I knew I can depend on you!" from a happy customer.
But I knew I wanted to do more. With Derek’s guidance, I took a leap of faith into the insurance industry - a world where I could not just solve problems, but change lives. Helping people navigate their financial challenges gave my work deeper meaning, aligning perfectly with my passion for building relationships and making an impact.
Today, alongside my incredible team, we’re expanding our reach through social media and business collaborations, ensuring that more people get the financial security they deserve. It’s been an exciting ride, and I can’t wait to see how many more lives we can touch!
Meet the Team
Our Team's Vision: Changing lives, one policy at a time.​
Our Team's Mission: Serve with integrity. Lead with purpose. Leave a legacy.

Financial Consultant
Bryan Koh
Specialization: Family & Couple Financial Planning, Alternate Planning, Wealth Building​​​

Financial Consultant
Timothy Yoong
Specialization: Financial Planning, General Insurance​​
Profile - coming soon...

Financial Consultant
Darren Yeo
Specialization: Financial Planning, Retirement Planning​​
​

Financial Consultant
Kai
Specialization: Financial Planning, General Insurance​​
Profile - coming soon...

Financial Consultant
Colleen Theng
Specialization: Financial Planning​​
​
​
Profile - coming soon...


