Jackie & James Chia

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Jackie & Dr James Chia

1 Million Dollar Circle & 9 Year Team Elite 

“We came for the annuity but stayed for the immunity!”

What immediately attracted Jackie and James to direct selling was its ability to create the passive income vital for a dignified retirement. As a Certified Financial Planner, James was aware that many people would struggle through the long years of retirement. “I saw that just $2,000 a month, every month and hedged to inflation, would be a huge help. If I didn't need it I could always give it away. Later, I discovered that people actually earned $1 million a month, which explains why so many already successful people bother to build a business with Nu Skin,” James shared.

Nu Skin seemed a good choice to start with because James saw several successful people in the financial industry joining the company.  One of them was their sponsor, Million Dollar Circle Member Tan Juinn Wen, who went to the top school in Singapore and studied at the London School of Economics on a government scholarship. When he joined Nu Skin, he was 42 years old and was a wealthy and successful stockbroker. Juinn Wen was introduced to Nu Skin by Robert Howe who was an award-winning fund manager with a degree from Yale University and an MBA from Harvard University.


Following the smart money was a smart move James made.

Robert Howe, who was literally rolling in money, was attracted to Nu Skin by its great products. He said, "I came for the immunity, but stayed for the annuity." After years in the tumultuous financial markets, even Bob, the billion-dollar fund manager, appreciated and valued the passive recurring income or annuity.


Fourteen years after joining Nu Skin, Jackie and James are indeed enjoying a comfortable passive income that has enabled them to send three children through university (two overseas) and maintain support for missionaries. They have created the “annuity”.


Straddling the age of 60 (Jackie is 60 and James is 62), what they are most grateful for is the good health that enables them to maintain active lives outdoors and in sports. In the last few years, James has climbed Mt Kinabalu, the highest mountain in Malaysia; trekked the 50 km Inca Trail to Machu Picchu; summitted Mt Rinjani, the highest mountain in Indonesia with Jackie; ascended Mt Apo, the highest mountain in the Philippines with the whole family; and climbed Siguniang Dafeng, a 5025m high mountain in China with Jackie.


With life expectancy projected to go beyond 100 years old in the near future, the couple has no fear of growing old because of the supplements and skin care products that preserve their youthfulness. The environment of energetic business leaders, from the teens to seasoned retirees, keeps them mentally alive and agile. Jackie and James are discovering the joy of empowering others to transform themselves and improve the lives of others.


All these require the physical body and mind to stay youthful. Thank God for Nu Skin and its ageLOC products!


We came for the annuity but stayed for the immunity!

* Million Dollar Circle Members are independent distributors who have earned over one-million US dollars in commissions over the lifetime of their Nu Skin distributorship. Not all distributors succeed or make money. Generating meaningful compensation as a distributor requires considerable time, effort, and commitment. For more information about the Sales Compensation Plan of Nu Skin, please contact Nu Skin office at your home market or go to