Hi, I’m Esther.
I advise professionals, doctors, and high-net-worth families on protecting, growing, and preserving their wealth through thoughtful financial planning.
My philosophy is simple: every dollar should have a purpose. Rather than accumulating unnecessary policies or investments, I help clients build efficient portfolios that balance wealth accumulation, risk management, liquidity, and legacy planning—helping them achieve financial independence with confidence.
As a fee-based financial planner, every recommendation begins with your objectives. Whether you’re reviewing an existing portfolio or planning for retirement, your children’s education, or intergenerational wealth transfer, my advice is tailored to your unique circumstances and long-term goals.
With access to solutions from 18 leading life insurers, together with a broad range of investment platforms and asset managers, I provide tailored advice and objective comparisons, allowing clients to make informed decisions without being limited to a single institution.
My clients value discretion, technical expertise, and honest advice delivered without pressure. Over the years, I have had the privilege of guiding clients through many of life’s most significant financial milestones. My goal is to remain a trusted adviser for every stage of that journey.
If you’re looking for a long-term financial partner who combines strategic thinking with personalised service, I’d be delighted to connect.
Take control of your insurance by exploring our self-service options, offering autonomy and flexibility for knowledgeable individuals.
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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.
根据《个人数据保护法》,鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料(例如姓名,证件号码,联系电话,邮寄地址,电邮地址和照片)。 该政策可在本公司网站上查寻,网址为 https://fa.com.sg/data-protection-policy/.
By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.
提交此表格,即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策
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By submitting this form, I confirm that
提交此表格,即表示
In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.
根据《个人数据保护法》,鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料(例如姓名,证件号码,联系电话,邮寄地址,电邮地址和照片)。 该政策可在本公司网站上查寻,网址为 https://fa.com.sg/data-protection-policy/.
By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.
提交此表格,即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策
For those comfortable managing their own insurance needs, these are some options to purchase life insurance products without the assistance of an advisor. While this provides autonomy, it’s important to note that individuals are responsible for comprehending the policy details and managing any claims processes independently.