About
Thomas Chai Kian Teck
I help Singapore families answer two questions: what if I live to 100, and what if something happens to me? Then I stay beside you so the plan holds through the bad years.
- Certified Financial Planner (CFP)
- MAS Rep. No. CKT300001354
- English and Mandarin
- Singapore
How I think about your money
Every plan answers two risks
Dying too early and living too long. Protection covers the first, income that lasts the second. Everything I recommend answers one of them.
Income comes in three levels
CPF LIFE at the base, contractual income on top of it, then growth. Essentials never depend on the market; only the top level does.
Evidence, not forecasts
Globally diversified, low-cost portfolios built on decades of market data, set to the risk you want and left to work. No tips, no timing.
Behaviour is the real risk
Most plans fail in a frightening year, not on paper. My job is to keep a good plan in place when that is hardest.
What I help with
One plan for all of them, reviewed with you every year, not separate products bought at separate times.
What happens when you book
- Message me on WhatsApp and we pick a time, in person or online.
- We look at both what-ifs against your real numbers. No charge, no obligation, no hard sell.
- You leave knowing whether a full plan is worth doing for you. If it is, what I do and what it costs are agreed in writing first.