Your salary stops one day. Your bills don't. Everything in a sound financial plan answers one of two risks — dying too early, and living too long. I build plans that protect your family and replace the income that stops, with an income that lasts — grounded in evidence, not product.
8+ yrs
advising Singapore families
Evidence-based
globally diversified, low-cost
CFP
MAS-licensed representative
The framework
Strip away the jargon and every financial decision hedges one of two risks. Name them, size them, and a plan gets simple.
You leave before the plan is finished — and the people who depend on you inherit the gap. The answer is protection: the right cover, sized to the real liability, not oversold.
You outlast your money. Decades of retirement, rising costs, and a pot that has to keep paying. The answer is investment: an income that lasts, layered floor-buffer-engine.
01
Protect first
Cover death, disability and illness — sized to real need, not over-sold.
02
Invest with evidence
Globally diversified, low-cost, disciplined. No forecasts, no hot tips.
03
Draw down safely
Income from a guaranteed floor and a safe withdrawal — not yield-chasing.
04
Review every year
Catch the blind spots before they bite. A plan is a habit, not an event.
What most plans miss
Whether a retirement lasts comfortably or runs short usually traces back to three things — decided years before retirement begins, not after.
Is your money actually keeping pace with the cost of living? Cash and CPF OA earn little; inflation quietly erodes what a dollar buys. The same $1,700 a month buys far less in ten years.
Medical costs in Singapore are rising far faster than general inflation. A realistic provision for health — separate from lifestyle — is what stops one illness derailing the plan.
However large the pot looks today, is it structured to pay you for 20–30 years, not 10–15? Living long is the risk most people under-plan for.
The approach
A retirement plan isn't a single number — it's a structure. A guaranteed floor for the essentials, a buffer so you never sell low, and an engine that outpaces inflation for decades.
Guaranteed income that covers the essentials for life — CPF LIFE and annuities. The part that never runs out, whatever markets do.
A few years of stable capital — bonds and cash-value policies — so you never have to sell growth assets at the wrong time.
The growth that beats inflation and funds the lifestyle — evidence-based, globally diversified, low-cost. The reason the plan survives 30+ years.
How we work
No pressure, no jargon, no product pushed on day one. Just a clear process — and at the end, a plan you actually understand.
We map your full picture — income, assets, protection, goals — and name your two risks. Nothing sold, nothing assumed.
I build it live in the planner: your retirement paycheck, the gap, and what closes it. You watch the numbers move.
You choose what to act on. We put the floor, buffer and engine in place — and review it as life changes.
The first conversation is free and no-obligation — you'll leave with a clearer picture whether or not we work together.
Try it yourself
A quick, honest look at the gap between the paycheck you're on track for and the one you want — and how much closing it really takes. This is a taste of the planning we'd do together, in depth.
60-second check
A rough first look, in monthly-income terms. The full plan goes far deeper.
Your paycheck at 65
$5,952/mo
CPF LIFE floor + invested pot of $1.31M
You want
$4,500/mo
your target lifestyle
Funded — $1,452/mo to spare
On track — a plan keeps it that way through a long retirement.
Illustration only — assumes 6% growth, a 4% sustainable draw and a ~$1,600 CPF LIFE floor. Not financial advice.
The planner
When we work together, everything lives in one place — your full financial picture, your protection gaps, and a retirement plan you can see move. It's the difference between being sold a product and understanding your own plan.
One fact-find drives a live balance sheet, cash flow, and financial ratios — no re-typing.
Protection gaps and a retirement roadmap side by side — the Two Risks made concrete.
Grow, sustain, and income in one module — top up and watch the gap close in real time.
A survival test shows whether the money lasts 30+ years, and why diversification matters.
Full workspace. Used together in our sessions; a public demo is on the way.
About
I'm a Senior Consultant at Financial Alliance — Singapore's largest independent financial advisory firm — with more than eight years advising families and over fifteen as an investor. Consulting, to me, is more than giving advice. Financial wellness doesn't happen by chance; it takes intention, strategy, and consistency. I help individuals and families reach financial independence through holistic planning, in English or Mandarin.
No hard sales, no jargon, no products pushed on day one. Just tough, honest questions about your goals, and a plan you actually understand — protection sized to real need, and an income built to outlast you. My work is grounded in your two risks and evidence-based investing, the same way I invest myself.
Certified Financial Planner
CFP™ professional
Licensed representative
MAS Rep. No. CKT300001354
FA Quality Class
Consultant · merit recognition
Evidence-based investing
Globally diversified, low-cost
In their words
His profound investment literacy shines through in crafting a robust portfolio for my personal and business needs. Beyond technical proficiency, he excels in transparent communication — ensuring I'm informed and confident in every decision.
Michelle · Enrichment Centre Business Owner
What stood out was his commitment to avoiding hard sales tactics — a comfortable environment to discuss my concerns. He translates complex financial concepts into easily digestible insights, with a genuine desire to help.
Amanda · Enrichment Centre Business Owner
His approach of asking tough questions and thinking deeply about my life goals let me set up a portfolio that truly matters to me — a long-term perspective without compromising short-term enjoyment in life.
Dawn · Head of People & Experience
Real client testimonials, shared with permission. Individual experiences vary and are not indicative of future results.
Questions
What does it cost to work with you?
The planning conversation is complimentary. I'm remunerated through the solutions you choose to implement, or advisory fees on what I manage — always disclosed upfront. You're never charged just to get a clear picture.
Will you push products on me?
No. The first meeting is about understanding your situation and naming your two risks. Any recommendation comes later, is sized to real need, and is yours to accept or decline.
What's your investment approach?
Evidence-based: globally diversified, low-cost, and disciplined — built to close the retirement gap over decades, not to chase the next hot tip. I invest the same way myself.
Are you licensed by MAS?
Yes — I'm a Certified Financial Planner and a representative of Financial Alliance Pte Ltd (MAS Rep. No. CKT300001354). You can verify me on the MAS Register of Representatives.
What happens in the first meeting?
We map your full financial picture, talk through your goals, and I show you where you stand today in the planner — live. You leave with clarity and no obligation.
A first conversation is free and no-obligation. Bring your questions — you'll leave with a clearer picture whether or not we work together.
Book a conversation