Financial Planning

Through Financial Alliance, we are proud to be able to independently and objectively structure the most fitting solutions to fit your unique circumstances.

About 5 Pillars of Wealth

Their financial advisory model covers all the essential elements of an individual‘s financial planning needs. It encompasses all aspects of wealth management, thus ensuring that financial advice is comprehensive and coherent.


This is the first and most important Pillar of Wealth. Without adequate protection, you will be vulnerable to the nasty effects of a chance misfortune which will cause you to suffer unnecessary and possibly tremendous financial losses. This planning helps to reduce the negative impact of unplanned misfortunes and ensure that your lifestyle remains unaffected as much as possible thereafter.

I want to…

  • Provide financial support for my family if I pass on.
  • Provide financial protection from long long-term disability.
  • Provide financial protection if I’m critically ill.
  • Protect my income if I’m temporarily disabled.
  • Cover hospitalisation expenses with Insurance.
  • Secure an income if I require long-term care.
  • Provide financial protection from accidental mishaps


The third Pillar of Wealth drives you towards meeting your long term financial objectives. In Singapore, the two most common needs are Retirement Funding and Children Education Funding. Our partner, Financial Alliance, will help you develop a realistic and achievable program to meet these needs.

I want to…

  • Plan for short-term savings
  • Save for the longer term
  • Fund my children’s tertiary education
  • Save for a comfortable retirement
  • Fund my retirement through SRS


The fourth Pillar of Wealth maximises the growth potential of your assets. Our partner, Financial Alliance will help you develop an investment program that is appropriate to your unique situation, yet will grow at a rate you desire. With the help of their proprietary tools, you stand a better chance of enhancing your investment return, thereby fulfilling your long term financial dreams.

I want to…

  • Grow my CPF savings
  • Grow my SRS savings
  • Grow my excess cash
  • Review my overall investment program


This fifth and final Pillar of Wealth looks at preserving and distributing your estate. The only certainty in life is that it will not last forever. Assistance will be provided to help you develop an effective and efficient estate plan so that your legacy will be well preserved and distributed according to your wishes.

I want to…

  • Leave behind a legacy for my next generation
  • Smoothly distribute my assets according to my wishes

Personal Financial Advisory

Our partnership with Financial Alliance offers a one-stop centre delivering multiple financial solutions to meet your personal and business financial planning needs at different stages thus helping you fulfil your personal and business financial planning goals.

Would you agree that the only person who can take care of the older person you will be someday is the younger person you are now?

Someday you will retire from your job. With that, the income that you generate from your job will cease. If you have insufficient savings then, you will suffer a drop in your standard of living. To avoid that eventuality, the only way out is to plan for your retirement before it arrives. Our life expectancy has increased over the years. It is therefore critical to build up a comfortable nest egg that enables you to take care of your financial needs during your golden years.

Children bring us great joy as they discover the world around them

With rising living standards and educational standards, it is now common place for parents to see their children through university. Tertiary education comes at a hefty price, so you need to plan early for your child’s education funding.

Loved ones have to carry on no matter what happens

We tend to get comfortable with our current standard of living and take our income earning ability for granted. However, the lifestyle that we enjoy now could easily come to a rude and abrupt end once the income source is disrupted due to death, disability or a major illness.

You may not be able to predict the future, but you can surely be prepared for it. Protect yourself and your loved ones now from a painful fall in living standard.

Protect yourself and your family against financial worries caused by ill health

A critical illness can befall anyone at anytime. Although it’s a painful possibility to imagine, it is easy to picture the consequences.

When a critical illness strikes, you can be sure it will be very expensive. Treatment is likely to include a lengthy period of sophisticated medical care, therapy and rehabilitation. The situation is worse if it strikes a breadwinner, as the family’s income source will be severely threatened.

You will need to concentrate on recovering as far as possible without having to worry about financial matters. We know you don’t want to be burdened by debt arising from high medical bills and other related costs. And you do deserve the best medical care available.

Life is full of the unexpected, but you can choose to be prepared and remain in control

Even when a permanent disability strikes a breadwinner, your loved ones still need to carry on with a roof over their heads and continue the lifestyle they are accustomed to.

Apart from health and psychological problems, disability also carries financial implications. A permanent disability could reduce income, turn a breadwinner into a dependent, and result in serious financial consequences to the family due to significant additional expenses.

Helping you achieve your goals at every stage in life

You have dreams you want to realize and goals you want to achieve – getting your dream car, starting your family, buying your dream home, planning for that leisurely vacation – the list goes on.

It is so easy to spend and so hard to save. What can you do when you have competing needs and scarce resources?

Discipline is the key. Their well-structured savings plan offers you both financial protection as well as a disciplined way to save regularly. Such savings can work harder for you than fixed deposit accounts or bank savings accounts, especially in the current low-interest rate environment.

Through our partnership with Financial Alliance, let us help you accumulate a small amount every month to get to your goals.

Do you want your hard-earned money to work harder for you?

Many Singaporeans know the importance of saving but have reservations about INVESTING. However, if we don’t invest, we forgo the opportunity of growing our savings for the future.

Before you invest, the first thing you will need is the right information to help you make the right decisions.

With us, you don’t have to worry that you don’t have the time and the in-depth market knowledge to invest. Our trained and professional consultants from Financial Alliance, back by a tried and tested Investment Team, will draw your attention to relevant issues and match your needs against a full range of investment options.

Seize the opportunity to make your money work even harder for you! And enjoy peace of mind by securing the protection that you and your family deserve.

“You can’t take it with you… But, you can choose who gets it and who doesn’t.”

Upon death, state law will determine how one’s property is distributed. The only way to counter that is prepare a will beforehand. The will helps to ensure loved ones are not inadvertently left out.

Estate planning is not only for the wealthy. Trained consultants from our partner, Financial Alliance, will advise you the finer details of estate planning.

Ensure your loved ones will always have a roof over their heads

Home ownership is about security, comfort, and fulfilling one’s dream of having a place to call your own.

Buying a home may also be the single largest investment many Singaporeans will ever make in their lives. Hence, before you decide on buying that dream home, you need to plan your finances carefully.

You should consider getting financial protection for the repayment of your outstanding mortgage loan in the event of your/your spouse’s death, disability or terminal illness during the loan repayment term.

Our partner, Financial Alliance, provide solutions from the beginning, right through to the end. They always ensure that our solutions are consistent with your overall financial plan. With their mortgage plan, you can ensure that your loved ones will always be able to enjoy the home you have worked so hard to provide them with.

Protect yourself with an affordable health plan now before the unthinkable happens.

Hospitalisation and/or surgeries are necessary when one meets with an major accident or contracts a major illness. Needless to say, they will cost you somewhat. The longer you stay, or the more major the surgery, the bigger your bill. The bigger your bill, the more strain your finances will have to bear.

Will your finances give way within a week? Or will you forego the appropriate treatment because it is financially out of your reach?

Hospital bills are real. It is also a sad fact that some people have had their family’s savings wiped out by hospital bills. Protect yourself with an affordable health plan now before the unthinkable happens.

Get a peace of mind with a whole host of general insurance available to cater to your various insurance needs.

Our partner, Financial Alliance, offers unparalleled peace of mind when it comes to travel insurance, home protection insurance, car insurance, and whole host of other general insurance cover.

Milk your CPF funds for all they are worth

The CPF Investment Scheme (CPFIS) allows you to invest your CPF savings in a wide range of investment products to enlarge your retirement nest egg. However, you should exercise prudence when you invest your CPF savings under the CPF Investment Scheme. Investments come with inherent risks. There is no guarantee that investments will always be profitable or that investment products included under CPFIS will always chalk up profits.

Our partner, Financial Alliance, can guide you on how to invest your savings, what risks your circumstances will allow you to accept, how long you should stay invested and when you should adjust your investment portfolio to keep up with the dynamic market situations.

It is recommend that you to familiarise yourself with some important information in Mycpf – Making An Investment (Also read Get All the Facts Before Investing and 9 Things to Ask Your Financial Adviser).

Corporate Financial Advisory

Through our partnership with Financial Alliance, we take the corporate financial advisory business beyond standard products and services and implements customized client solutions.

  • Employee benefit
  • Finding quality employees is half the challenge…
  • Keeping them

Private Wealth Advisory

Our partner, Financial Alliance, is able to offer various private wealth advisory services to high net worth individuals.

In the area of wealth distribution, they work with several world class financial institutions to provide discreet trust solutions in estate planning. In addition, they also tailor financial protection plans to your specifications by working with insurance companies specializing in these areas.

To maximise returns on your assets, they are able to customise an investment program for you by matching your risk and return objectives to the best-of-breed investment vehicles in the market.

By adopting an open architecture platform, our partner, Financial Alliance, are open to work with the best Fund Management firms and other Alternative Investments providers. Their independent, objective and robust financial advisory process, coupled with their wide range of products, make our partnership the choice in providing private wealth advisory services.

Why Us?

One-stop & Hassle Free

With our wide range of professional services, we are able to provide our clients with one-stop and hassle free solutions to serve all their companies’ needs.


Our Group & Associates have a team of professionals who are Public Accountants, Chartered Accountants, Tax Practitioners, Liquidators, Lawyers, Consultants and Valuers who are ready to serve you.


We have an experienced team with many years in the accounting, auditing, tax and consulting industry.


With our huge number of satisfied customers, we can assure you of our reliable services which you will not get elsewhere. You are able to reach to the Managers or Directors in-charge of your portfolio anytime despite that our staff handling your work are very reliable too.