Sandy Ngow is the Managing Director and one of the senior consultants at Charles Monat Associates Limited. Her primary markets are the Philippines, Thailand, NRI, and Japan. Ngow has over 22 years’ experience in the financial services industry advising private clients on wealth management and institutional clients on capital raising. Ngow’s experience in advising the high net worth market and her knowledge of the insurance industry provides her with a solid background in trust structuring and life insurance. She is a certified financial analyst and is fluent in English, Hokkien, and Thai. Ngow holds an MBA in Finance from the Stanford Graduate School of Business.