Helping You

Dear­est Friend

My role as your finan­cial archi­tect is to help you to design and cre­ate the finan­cial home of your future.

Now some peo­ple may call it a roadmap, i pre­fer to call it a home. This home will rep­re­sent your future dreams and aspi­ra­tions. We will help you to design and cre­ate the style of this home. Each room, per­haps rep­re­sent­ing a par­tic­u­lar goal or ambi­tion. But then, and only then, we will look for the finan­cial fur­ni­ture to fur­nish this home. The fur­ni­ture to give you the com­fort that your goals and aspi­ra­tions for your fam­ily will be achieved.

Now what we find is, that most clients have bought some finan­cial fur­ni­ture over the years and have accu­mu­lated a range of dif­fer­ent prod­ucts with no strat­egy or coherency. Isn’t it not bizarre? Why would you buy fur­ni­ture before you design and build your home? Yet peo­ple are doing that with their finan­cial prod­ucts. Well, we will take a look at the finan­cial fur­ni­ture that you have bought, and we will see it will fit in the finan­cial home that you and I have cre­ated together. If it fits, we will keep it. If it doesn’t, we’ll try to improve it, or per­haps upgrade it, if its no longer suitable.

You know most peo­ple wouldn’t put antique fur­ni­ture in a mod­ern and con­tem­po­rary home. And, as time passes over the years and your life changes, you and I will have to review your fur­ni­ture require­ments again. You have to allo­cate funds for new fur­ni­ture. Well, I intend to be with you through­out each of these stages.

Warmest Regards

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I assist my  clients in man­ag­ing their wealth and risks.

How­ever, what I do is really this. I look at the client’s cur­rent sit­u­a­tion; his assets, lia­bil­i­ties, income, expenses and expected changes. From this I will iden­tify the risks and excesses; sug­gest areas to improve in his finan­cial posi­tion through a finan­cial plan. This is not always about get­ting more prod­ucts, some­times it is about shav­ing costs and man­ag­ing money bet­ter. I call this finan­cial plan­ning. For imple­men­ta­tion, because I rep­re­sent the client and ONLY the client, I will source for  the var­i­ous instru­ments  from the mar­ket to meet the client’s needs.

Com­pre­hen­sive Finan­cial Plan­ning & Report Writing:

• Cus­tomised Finan­cial Report – A Com­pre­hen­sive Finan­cial Report spe­cially tai­lored for the indi­vid­ual based on one’s unique finan­cial sit­u­a­tion and per­sonal life goals.
• Included in the Finan­cial Report: —
  • Pro­fil­ing of Per­sonal Finan­cial State­ments e.g. State­ment of Net­Worth and Cash­flow Statement
  • Assess­ment of Cur­rent Finan­cial Sta­tus with Internationally-Recognised Benchmarks
  • Insur­ance Port­fo­lio Analy­sis and Review
  • Invest­ment Port­fo­lio Analy­sis and Review
  • Wealth Pro­tec­tion and Per­sonal Risk Man­age­ment Planning
  • Wealth Accu­mu­la­tion and Retire­ment Planning
  • Children’s Ter­tiary Edu­ca­tion Planning
  • Spe­cific Needs Plan­ning e.g. Prop­erty Pur­chase, Plan­ning for Spe­cial Needs Depen­dents, etc
  • Per­sonal Tax Planning
  • Wealth Dis­tri­b­u­tion and Legacy Plan­ning includ­ing Wills and Trusts
• The Finan­cial Report Process include Design­ing Finan­cial Strate­gies to achieve your life goals and imple­ment­ing the cho­sen prod­ucts with respec­tive prod­uct providers.

Imag­ine hav­ing the unique advan­tage of hav­ing a One-Stop Ser­vice Cen­tre for a com­pre­hen­sive selec­tion of finan­cial instruments.

HERE are some of the finan­cial ser­vices offered.

• Med­ical Insur­ance – Enhance your med­ical cover with choices from more than 10 Medisave-approved Inte­grated Shield Plans that cov­ers up to 100% of your med­ical bills.
• Dis­abil­ity Income Insur­ance – Pro­tect up to 75% of your income with only 2–3% of your income.
• Long-Term Care – Receive an Income for Life when unable to per­form 3 out of 6 Activ­i­ties of Daily Living.
• Annu­ities – Receive a Ris­ing Guar­an­teed Income for Life using CPF or Cash.
• Life Insur­ance – Choose from more than 200 Basics plans with almost 100 pos­si­ble rid­ers from 12 Life Insur­ers includ­ing AIA, NTUC, AXA, AVIVA, Man­ulife, UOB Life, etc  to con­struct your Insur­ance Portfolio.
• Gen­eral Insur­ance – 23 Gen­eral Insur­ers for plans like Travel Insur­ance, Motor Insur­ance, Fire Insur­ance, etc.

Wealth Accu­mu­la­tion and Retire­ment Planning:

• Child’s Edu­ca­tion Sav­ings Endow­ment– Get the Best Returns for every pre­mium dol­lar invested. Select plans from up to 12 insur­ance com­pa­nies includ­ing NTUC, TM Asia, Man­ulife, HSBC Insur­ance, UOB Life, to opti­mise your sav­ings for your kids’ education.
• Unit Trusts – More than 500 unit trusts funds from more than 40 Fund Houses includ­ing Aberdeen, AIG, DBS Asset Man­age­ment, Franklin Tem­ple­ton, Hen­der­son, Lion Global, Schroder, UOB Asset Man­age­ment, etc.
• Port­fo­lio Con­struc­tion for you– Tied in with the wrap account
• Pri­vate Wealth Bank­ing Ser­vices – 3 Pri­vate Banks for invest­ment of US$1 mil­lion and above.
• Secu­ri­ties – 2 Secu­ri­ties Firms with wide array of secu­ri­ties choices.
• Hedge Funds – Var­i­ous Hedge Funds with impres­sive track record of absolute returns.

Wealth Man­age­ment and Invest­ment Planning:

• Global Wrap Account – Get access to more than 500 unit trusts from more than 40 asset man­age­ment com­pa­nies in just one account. Enjoy unlim­ited FREE Inter-Fund House switch­ing to all par­tic­i­pat­ing funds and receive con­sol­i­dated state­ments to ease your invest­ment administration.
• Inter­na­tional Banks – 7 Banks for the most com­pet­i­tive mort­gage loans rates.
• Tax Plan­ning - Sup­ple­men­tary Retire­ment Scheme (SRS) Investments and Inter­na­tional Tax Planning.

Wealth Dis­tri­b­u­tion and Legacy Planning:

• Estate Plan­ning for Busi­ness Own­ers and HNWI - A Per­son­alised Estate Plan­ning Report to help ensure Sur­plus Estate Value, Suf­fi­cient Estate Liq­uid­ity and Ease of Estate Dis­po­si­tion. Report is writ­ten  for an agreed fee.
• Wills & Trusts Ser­vice - 4 Estab­lished Estate Plan­ning Ser­vice Providers cater­ing to a wide range of ser­vices includ­ing Will Writ­ing, Trusts Ser­vices, Inter­na­tional Tax plan­ning, etc.

Cor­po­rate Finan­cial Ser­vices for Com­pa­nies and Business-Owners: -

• Group Insur­ance – 10 Group Insur­ers for Com­pet­i­tive Group Cor­po­rate Plans.
• Employee Ben­e­fits Plan­ning – Usu­ally inte­grated with Group Insur­ance Cov­er­age, Value-Add to your employ­ees’ wel­fare through:-
  • Com­pre­hen­sive Series of Edu­ca­tional Lunch Talks
  • Full-Day Work­shops at dis­counted cor­po­rate rates
  • Wealth Man­age­ment Clin­ics for spe­cific con­sul­ta­tion needs
  • Reg­u­lar Inde­pen­dent Finan­cial Health Checks for all employees
• Tal­ent Reten­tion Finan­cial Schemes – Per­son­alised Finan­cial Schemes to Attract and Retain Tal­ents.
  • Cor­po­rate Pen­sion Schemes with Pro­gres­sive Vesting
  • Co-Investment with Selected Employ­ees
  • Tax-Efficient Pay Struc­ture for Key Exec­u­tives to reduce Tax for Com­pany and Employees.
• Key Exec­u­tives Wealth Plan­ning – Pri­vate Wealth Ser­vices Spe­cially  designed for Senior Man­age­ment.
  • Pri­vate Wealth Man­age­ment Work­shops spe­cially designed for Senior Management
  • Legacy Plan­ning and Inher­i­tance Giv­ing Work­shop for Senior Man­age­ment and Busi­ness Owners.
• Cor­po­rate Risk Man­age­ment – Ensure the Suc­cess of your Busi­ness through pru­dent Risk Man­age­ment.
  • Busi­ness Con­ti­nu­ity Planning
  • Key-Person Risk-Protection options
  • Debt Can­cel­la­tion Planning
  • Cor­po­rate Risk Strate­gies to Avoid, Reduce or Trans­fer Your Risks.
  • High­light Gov­ern­ment Pro-Business Finan­cial Schemes.