Discover My Comprehensive Financial Services
Through our wide range of financial services, I aim to provide the strategic guidance you need to navigate the complexities of finance.
What We Offer
Navigating Your Financial Future With MyServices
Our goal is to provide you with personalized financial strategies to help you achieve financial freedom. Explore our services and see how we can guide you on your path to success.
Insurance Portfolio Analysis
Save for significant changes in your life, your protection plan should be done once and done well.
Policies without fixed premiums can create an unpleasant surprise in future and cause uncertainty.
It is good practice to look at your insurance policies as a whole and find out exactly how they work together to provide the perfect balance in cost and benefits. It is common to be paying for two or more policies that cover the same benefits. Policies purchased long ago could also have outdated benefits which new policies could have improved on.
Analyzing your portfolio could help to reduce premiums, improve benefits and remove unnecessary or repeated benefits.
Investment Basic
It may be challenging to start your investing journey. There are so many products out there that claim many different things. The approach i adopt is objective based and puts product selection right at the end. This helps you identify what benefits apply to your profile before you begin to choose a product to start your investment journey.
Learn how to identify your personal financial objectives, understand your risk profile, how each investment instrument plays a part in your portfolio and how to allocate assets to limit risks.
Learn how market cycles affect your investment portfolio and how to tweak your portfolio in different market phases. At the end of each session, you will be provided with a report of your investment profile as well as portfolio recommendations.
Personal Financial Report
Similar to how business have financial reports, our personal financial lives too require a breakdown in order to understand what we are doing right and what can be improved. Using your financial information to create your financial statement and cash flow report, we can generate the financial ratios that tell you how you compare against guidelines.
We will then apply SWOT analysis to identify weaknesses, strengths and opportunities to enhance your financial life. Some examples of personal finance ratio analysis:
Liquid Assets to Net Worth Ratio
Debt to Asset Ratio
Net Investment Assets to Net Worth Ratio
Debt Service Ratio
Mortgage Advisory
Singapore has one of the highest rates of home ownership in the world. As one of the lowest mortgage rates in the world, it is one of the most common leverage we use. With that in mind, understanding how mortgage works can help to reduce costs. Find out why there are a growing number of HDB owners who prefer bank loans compared to HDB loans.
Understand the differences between the different types of mortgage rates so you can select the rate that suits you the most. Learn how to use refinancing/repricing to get the best rate possible.
Legacy Planning
Planning for the worst outcome helps reduce stress on your loved ones upon your departure. Wills and other legacy planning tools can maximise your assets left to your loved ones.
Some other thing to consider are preparing for worst case scenarios such as losing mental capacity, preparing your wishes in advance in case you are unable to communicate the yourself.