โœŒ๐—ช๐—ผ๐—บ๐—ฒ๐—ป ๐˜€๐—ต๐—ผ๐˜‚๐—น๐—ฑ ๐—ป๐—ผ๐˜ ๐˜๐—ฎ๐—ธ๐—ฒ ๐—ฒ๐˜€๐˜๐—ฎ๐˜๐—ฒ ๐—ฝ๐—น๐—ฎ๐—ป๐—ป๐—ถ๐—ป๐—ด ๐—ณ๐—ผ๐—ฟ ๐—ด๐—ฟ๐—ฎ๐—ป๐˜๐—ฒ๐—ฑ!โœŒ

โœŒ๐—ช๐—ผ๐—บ๐—ฒ๐—ป ๐˜€๐—ต๐—ผ๐˜‚๐—น๐—ฑ ๐—ป๐—ผ๐˜ ๐˜๐—ฎ๐—ธ๐—ฒ ๐—ฒ๐˜€๐˜๐—ฎ๐˜๐—ฒ ๐—ฝ๐—น๐—ฎ๐—ป๐—ป๐—ถ๐—ป๐—ด ๐—ณ๐—ผ๐—ฟ ๐—ด๐—ฟ๐—ฎ๐—ป๐˜๐—ฒ๐—ฑ!โœŒ

โ€œ๐˜“๐˜ฆ๐˜ข๐˜ท๐˜ช๐˜ฏ๐˜จ ๐˜ค๐˜ญ๐˜ฆ๐˜ข๐˜ณ ๐˜ช๐˜ฏ๐˜ด๐˜ต๐˜ณ๐˜ถ๐˜ค๐˜ต๐˜ช๐˜ฐ๐˜ฏ๐˜ด ๐˜ข๐˜ฃ๐˜ฐ๐˜ถ๐˜ต ๐˜บ๐˜ฐ๐˜ถ๐˜ณ ๐˜ข๐˜ด๐˜ด๐˜ฆ๐˜ต๐˜ด ๐˜ฏ๐˜ฐ๐˜ต ๐˜ฐ๐˜ฏ๐˜ญ๐˜บ ๐˜ฆ๐˜ฏ๐˜ด๐˜ถ๐˜ณ๐˜ฆ๐˜ด ๐˜บ๐˜ฐ๐˜ถ๐˜ณ ๐˜ญ๐˜ฐ๐˜ท๐˜ฆ๐˜ฅ ๐˜ฐ๐˜ฏ๐˜ฆ๐˜ด ๐˜ข๐˜ณ๐˜ฆ ๐˜ต๐˜ข๐˜ฌ๐˜ฆ๐˜ฏ ๐˜ค๐˜ข๐˜ณ๐˜ฆ ๐˜ฐ๐˜ง ๐˜ฏ๐˜ฐ๐˜ธ ๐˜ข๐˜ฏ๐˜ฅ ๐˜ช๐˜ฏ ๐˜ต๐˜ฉ๐˜ฆ ๐˜ง๐˜ถ๐˜ต๐˜ถ๐˜ณ๐˜ฆ, ๐˜ช๐˜ต ๐˜ข๐˜ญ๐˜ด๐˜ฐ ๐˜ฑ๐˜ณ๐˜ฆ๐˜ท๐˜ฆ๐˜ฏ๐˜ต๐˜ด ๐˜ฅ๐˜ช๐˜ด๐˜ฑ๐˜ถ๐˜ต๐˜ฆ๐˜ด ๐˜ข๐˜ฏ๐˜ฅ ๐˜ฎ๐˜ฆ๐˜ด๐˜ด๐˜บ ๐˜ด๐˜ช๐˜ต๐˜ถ๐˜ข๐˜ต๐˜ช๐˜ฐ๐˜ฏ๐˜ด.โ€

 

Traditionally, men have undertaken the role of being the sole breadwinner and the one in charge of finances and financial planning. However, over the decades, particularly in recent years, as the ๐Ÿ๐จ๐œ๐ฎ๐ฌ ๐ฌ๐ก๐ข๐Ÿ๐ญ๐ฌ ๐จ๐ง ๐ซ๐ž๐œ๐จ๐ ๐ง๐ข๐ฌ๐ข๐ง๐  ๐ฐ๐จ๐ฆ๐ž๐ง ๐›๐ž๐ข๐ง๐  ๐จ๐ง ๐ฉ๐š๐ซ ๐š๐ฌ ๐ฆ๐ž๐ง; assertion that they have equals rights, topics concerning women have occasionally taken the forefront. News articles or documentaries on womenโ€™s careers, health, parenting and other gender specific issues have been frequently discussed.

 

Generally, women tend to focus on beauty, fitness and health matters. However, ๐š๐ง๐จ๐ญ๐ก๐ž๐ซ ๐ข๐ฆ๐ฉ๐จ๐ซ๐ญ๐š๐ง๐ญ ๐š๐ฌ๐ฉ๐ž๐œ๐ญ ๐ญ๐ก๐š๐ญ ๐ฐ๐จ๐ฆ๐ž๐ง ๐ฌ๐ก๐จ๐ฎ๐ฅ๐ ๐ญ๐š๐ค๐ž ๐œ๐ก๐š๐ซ๐ ๐ž ๐จ๐Ÿ ๐ข๐ฌ ๐จ๐ง ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐ฉ๐ฅ๐š๐ง๐ง๐ข๐ง๐ . Financial planning covers beyond savings and/or insurance. It involves estate planning too. Gone were the days where men held the purse strings and are the sole decision makers when it comes to financial matters. ๐–๐จ๐ฆ๐ž๐ง ๐Ÿ’• ๐š๐ซ๐ž ๐ž๐ฆ๐ฉ๐จ๐ฐ๐ž๐ซ๐ž๐ ๐ญ๐จ ๐ฉ๐ฅ๐š๐ง ๐š๐ง๐ ๐ฆ๐š๐ค๐ž ๐ฉ๐ซ๐จ๐ฏ๐ข๐ฌ๐ข๐จ๐ง๐ฌ ๐Ÿ๐จ๐ซ ๐ญ๐ก๐ž๐ข๐ซ ๐จ๐ฐ๐ง ๐ฅ๐ข๐ฏ๐ž๐ฌ ๐š๐ฌ ๐ญ๐ก๐ž๐ฒ ๐š๐ซ๐ž ๐ฐ๐ž๐ฅ๐ฅ ๐ž๐๐ฎ๐œ๐š๐ญ๐ž๐, ๐š๐ง๐ ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐ฌ๐š๐ฏ๐ฏ๐ฒ ๐ญ๐จ๐จ.

 

Estate planning also include making decisions for oneโ€™s personal affairs. Legal document – Lasting Power of Attorney (LPA) appoint someone to act in your stead should you become incapacitated. Do also consider your family dynamics when making financial planning as it can be extremely costly and time consuming to appoint a lawyer in undertaking and fulfilling legal requirements before Court to settle finance/personal matters.

 

In addition, ๐ฐ๐จ๐ฆ๐ž๐ง ๐ง๐ž๐ž๐ ๐ญ๐จ ๐ญ๐š๐ค๐ž ๐ญ๐ก๐ž๐ข๐ซ ๐ฆ๐š๐ซ๐ข๐ญ๐š๐ฅ ๐ฌ๐ญ๐š๐ญ๐ฎ๐ฌ ๐ข๐ง๐ญ๐จ ๐œ๐จ๐ง๐ฌ๐ข๐๐ž๐ซ๐š๐ญ๐ข๐จ๐ง ๐ฐ๐ก๐ž๐ง ๐ฉ๐ฅ๐š๐ง๐ง๐ข๐ง๐  ๐Ÿ๐จ๐ซ ๐ญ๐ก๐ž ๐ฎ๐ง๐Ÿ๐จ๐ซ๐ž๐ฌ๐ž๐ž๐ง ๐Ÿ๐ฎ๐ญ๐ฎ๐ซ๐ž. ๐—™๐—ผ๐—ฟ ๐˜€๐—ถ๐—ป๐—ด๐—น๐—ฒ๐˜€, their main focus could be on their parents or siblings. ๐—™๐—ผ๐—ฟ ๐—บ๐—ฎ๐—ฟ๐—ฟ๐—ถ๐—ฒ๐—ฑ ๐˜„๐—ผ๐—บ๐—ฒ๐—ป, their primary focus could be on their spouses or children. Therefore, it is essential to discuss with a Financial Advisor who will plan for the estate (will) accordingly.

 

๐—ช๐—ผ๐—บ๐—ฒ๐—ป ๐˜€๐—ต๐—ผ๐˜‚๐—น๐—ฑ ๐—ป๐—ผ๐˜ ๐˜๐—ฎ๐—ธ๐—ฒ ๐—ฒ๐˜€๐˜๐—ฎ๐˜๐—ฒ ๐—ฝ๐—น๐—ฎ๐—ป๐—ป๐—ถ๐—ป๐—ด ๐—ณ๐—ผ๐—ฟ ๐—ด๐—ฟ๐—ฎ๐—ป๐˜๐—ฒ๐—ฑ, even when married. Knowledge empowers and she can make joint decisions with her spouse to ensure her (and childrenโ€™s) welfare is well taken care of. This is crucial as reports have shown that many women were at a loss during acrimonious divorces or when their spouses died. They had made the mistake of being overly reliant on their spouses on financial planning and were completely unaware of the nature and extent the assets they (or he) owned. This lack of knowledge and inability to comprehend such matters severely compound the distress a woman feels when bombarded with settling of such issues.

 

๐Ž๐ง ๐ญ๐ก๐ž ๐Ÿ๐ฅ๐ข๐ฉ ๐ฌ๐ข๐๐ž, ๐ญ๐ก๐ž ๐š๐ ๐จ๐ง๐ฒ ๐œ๐š๐ง ๐›๐ž ๐ญ๐จ๐ญ๐š๐ฅ๐ฅ๐ฒ ๐š๐ฏ๐จ๐ข๐๐ž๐ ๐ฐ๐ก๐ž๐ง ๐ฐ๐จ๐ฆ๐ž๐ง ๐ฌ๐ž๐ž๐ค ๐ญ๐จ ๐ญ๐š๐ค๐ž ๐œ๐ก๐š๐ซ๐ ๐ž ๐ข๐ง ๐›๐ž๐ข๐ง๐  ๐š๐ฐ๐š๐ซ๐ž ๐š๐ง๐ ๐ž๐๐ฎ๐œ๐š๐ญ๐ž๐ ๐ข๐ง ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ/๐ž๐ฌ๐ญ๐š๐ญ๐ž ๐ฉ๐ฅ๐š๐ง๐ง๐ข๐ง๐  ๐ฆ๐š๐ญ๐ญ๐ž๐ซ๐ฌ. This can be simply done by consulting a Financial (Estate) Planner and engaging family members ๐Ÿ’• in open discussions on financial/estate planning. It is never too late to start planning, no matter what stage and status of life one is in.ย ย ย 

 

๐ŸŸฉ ๐—๐—ผ๐—ถ๐—ป ๐—จ๐˜€ ๐—œ๐—ป ๐˜๐—ต๐—ฒ ๐—จ๐—ฝ๐—ฐ๐—ผ๐—บ๐—ถ๐—ป๐—ด ๐—ฃ๐—ต๐˜†๐˜€๐—ถ๐—ฐ๐—ฎ๐—น ๐—ช๐—ถ๐—น๐—น ๐—ช๐—ฟ๐—ถ๐˜๐—ถ๐—ป๐—ด ๐—ฆ๐—ฒ๐—บ๐—ถ๐—ป๐—ฎ๐—ฟ ๐ŸŸฉ

โœ ๐—ง๐—ถ๐˜๐—น๐—ฒ: ๐—ฌ๐—ผ๐˜‚๐—ฟ ๐—ช๐—ถ๐˜€๐—ต, ๐—ฌ๐—ผ๐˜‚๐—ฟ ๐—ช๐—ถ๐—น๐—น, ๐—ฌ๐—ผ๐˜‚๐—ฟ ๐—ช๐—ฎ๐˜† โœ

๐Ÿ“† ๐Ÿ‘๐ŸŽ๐ญ๐ก ๐’๐ž๐ฉ๐ญ ๐Ÿ๐ŸŽ๐Ÿ๐Ÿ‘, ๐’๐š๐ญ โŒš ๐Ÿ๐ŸŽ๐š๐ฆ

๐Ÿ“๐Ÿ๐Ÿ“๐ŸŽ ๐๐ž๐š๐œ๐ก ๐‘๐, #๐Ÿ๐Ÿ-๐ŸŽ๐Ÿ/๐ŸŽ๐Ÿ– ๐†๐š๐ญ๐ž๐ฐ๐š๐ฒ ๐–๐ž๐ฌ๐ญ, ๐’๐ข๐ง๐ ๐š๐ฉ๐จ๐ซ๐ž ๐Ÿ๐Ÿ–๐Ÿ—๐Ÿ•๐Ÿ๐ŸŽ (๐๐ž๐š๐ซ๐ž๐ฌ๐ญ ๐Œ๐‘๐“: ๐๐ฎ๐ ๐ข๐ฌ)ย 

โœ‰ ๐—ฅ๐—ฒ๐—ด๐—ถ๐˜€๐˜๐—ฒ๐—ฟ ๐—›๐—ฒ๐—ฟ๐—ฒ https://engage.fa.com.sg/events/zephanielau/30septwillwriting/

๐ŸŸฉ ๐—”๐—ฏ๐—ผ๐˜‚๐˜ ๐—บ๐—ฒ – https://engage.fa.com.sg/zephanielau/

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek unbiased financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

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Zephanie Lau ๅˆ˜ๆ™“่Žน

“๐™ฑ๐šŽ ๐š๐š‘๐šŽ ๐šŠ๐š›๐šŒ๐š‘๐š’๐š๐šŽ๐šŒ๐š ๐š˜๐š ๐šข๐š˜๐šž๐š› ๐š๐š’๐š—๐šŠ๐š—๐šŒ๐š’๐šŠ๐š• ๐š๐šŽ๐šœ๐š๐š’๐š—๐šข!” โœI am a seasoned Financial Advisory Manager in Singapore, with over a decade of expertise, committed to transforming lives. I stand ready to guide Working Adults in Singapore towards greatness through meticulous Financial Planning and Independent Financial strategies.

As Warren Buffett wisely said, “๐—ฆ๐—ผ๐—บ๐—ฒ๐—ผ๐—ป๐—ฒ ๐—ถ๐˜€ ๐˜€๐—ถ๐˜๐˜๐—ถ๐—ป๐—ด ๐—ถ๐—ป ๐˜๐—ต๐—ฒ ๐˜€๐—ต๐—ฎ๐—ฑ๐—ฒ ๐˜๐—ผ๐—ฑ๐—ฎ๐˜† ๐—ฏ๐—ฒ๐—ฐ๐—ฎ๐˜‚๐˜€๐—ฒ ๐˜€๐—ผ๐—บ๐—ฒ๐—ผ๐—ป๐—ฒ ๐—ฝ๐—น๐—ฎ๐—ป๐˜๐—ฒ๐—ฑ ๐—ฎ ๐˜๐—ฟ๐—ฒ๐—ฒ ๐—ฎ ๐—น๐—ผ๐—ป๐—ด ๐˜๐—ถ๐—บ๐—ฒ ๐—ฎ๐—ด๐—ผ.” Let me help you plant the seeds of financial success, so you can bask in the shade of abundance in the Singapore Financial Hub.

“I am not a product of my circumstances. I am a product of my decisions.” With your goals in sight, I become your relentless Goal Getter, ensuring nothing holds you back from achieving your dreams.

Remember, “Time is more valuable than money. You can get more money, but you cannot get more time.” Let’s avoid wasted efforts on wrong choices and focus on what truly matters, uncovering the meaning of life and securing your future.

With your vision and my guidance, we shall create a legacy of financial empowerment, proving that success is within reach for every determined soul. Let’s ignite the fire of transformation and begin our journey today! ๐ŸŒŸ๐Ÿ’ผ

#efficient #financialhappiness

โ–ˆโ–“โ–’โ–‘ ๐ˆโ€™๐ฆ ๐™๐ž๐ฉ๐ก๐š๐ง๐ข๐ž, ๐š ๐…๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐€๐๐ฏ๐ข๐ฌ๐จ๐ซ ๐‘๐ž๐ฉ๐ซ๐ž๐ฌ๐ž๐ง๐ญ๐š๐ญ๐ข๐ฏ๐ž – ๐‘๐ž๐ฉ๐ซ๐ž๐ฌ๐ž๐ง๐ญ๐š๐ญ๐ข๐ฏ๐ž ๐จ๐Ÿ ๐…๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐€๐ฅ๐ฅ๐ข๐š๐ง๐œ๐ž, ๐…๐ˆ ๐ญ๐ก๐š๐ญ ๐ข๐ฌ ๐ˆ๐ง๐๐ž๐ฉ๐ž๐ง๐๐ž๐ง๐ญ๐ฅ๐ฒ ๐จ๐ฐ๐ง๐ž๐. ๐ˆ๐Ÿ ๐ฒ๐จ๐ฎ’๐ซ๐ž ๐ฅ๐จ๐จ๐ค๐ข๐ง๐  ๐ญ๐จ ๐ฅ๐ž๐ฏ๐ž๐ฅ ๐ฎ๐ฉ ๐ฐ๐ข๐ญ๐ก ๐š ๐ก๐จ๐ฅ๐ข๐ฌ๐ญ๐ข๐œ ๐š๐ง๐ ๐ฎ๐ง๐›๐ข๐š๐ฌ๐ž๐ ๐Ÿ๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐ฉ๐จ๐ซ๐ญ๐Ÿ๐จ๐ฅ๐ข๐จ, ๐ฅ๐ž๐ญโ€™๐ฌ ๐œ๐จ๐ง๐ง๐ž๐œ๐ญ! ๐“๐ก๐ข๐ฌ ๐ฒ๐ž๐š๐ซ, ๐ˆ ๐š๐ข๐ฆ ๐ญ๐จ ๐ž๐ง๐ ๐š๐ ๐ž ๐ข๐ง ๐๐ž๐ž๐ฉ๐ž๐ซ ๐œ๐จ๐ง๐ฏ๐ž๐ซ๐ฌ๐š๐ญ๐ข๐จ๐ง๐ฌ ๐ฐ๐ข๐ญ๐ก 60 ๐ง๐ž๐ฐ ๐ฉ๐ซ๐จ๐Ÿ๐ž๐ฌ๐ฌ๐ข๐จ๐ง๐š๐ฅ๐ฌ. ๐ˆ๐Ÿ ๐ฒ๐จ๐ฎ’๐ซ๐ž ๐š๐ฅ๐ฌ๐จ ๐ฅ๐จ๐จ๐ค๐ข๐ง๐  ๐ญ๐จ ๐ž๐ฑ๐ฉ๐š๐ง๐ ๐ฒ๐จ๐ฎ๐ซ ๐ง๐ž๐ญ๐ฐ๐จ๐ซ๐ค, ๐ƒ๐Œ ๐ฆ๐žโ€”๐ฅ๐ž๐ญโ€™๐ฌ ๐ ๐ซ๐จ๐ฐ ๐ญ๐จ๐ ๐ž๐ญ๐ก๐ž๐ซ! โ–‘โ–’โ–“โ–ˆ

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