You should prepare a good story to the AD COM explaining why. Otherwise AD COM may think you are a person which does not have a career goal and do not know what you are doing.
Is the SVP your supervisor? I think it is better to get another letter from your colleague/client since finance master is a professional degree.
The reference letter from your teacher's son is not useful since he does not know you well.
If your bachelor education in Singapore is taught in English, you do not need to submit TOEFL scores to most of the schools in US.
if they school does not require you to submit TOEFL score, why bother? 106 is not a bad score, but not particularly good one either based on your English bachelor education . why bother wasting money and time to submit your TOEFL if you do not need to?