Chang Poh Fatt Patrick 郑宝垡

Senior Consultant

(MAS REP No.: CPF200037430)
Highly Qualified Retirement and Estate Planning Professional with 15 years of Experience

Hello there! I’m Patrick Chang, a retirement planning professional with over 15 years of experience. But more than that, I’m passionate about helping people achieve their retirement dreams and leaving a lasting legacy for their loved ones.

As a CFP, ChFC, IBFA, AEPP, and certified Family Office Advisor, I believe that everyone deserves a good retirement and an estate plan for intergenerational wealth transfer. Retirement is an exciting phase of life, and it deserves careful planning to ensure that you can enjoy a fulfilling and stress-free experience.

I’ve had the pleasure of working with individuals who have retired at ages ranging from 35 to 65, and it’s incredibly rewarding to see them enjoy a well-deserved retirement and pass on their hard-earned wealth to future generations. That’s why I offer a comprehensive intergenerational wealth transfer program that will ensure your loved ones benefit from your financial planning and hard work.

But if you prefer a more hands-on approach, I’ve got you covered too. I offer the ITOL certified program: Certificate in MAPPED Retirement Planning, which will equip you with the skills and knowledge to plan for a successful retirement. With this program, you can take charge of your financial future and achieve the retirement lifestyle you’ve always dreamed of.

My expertise in retirement planning has also earned me media coverage and allowed me to publish a book on retirement planning, “The A to Z Guide to Retirement Planning,” and create a financial card game titled “Affluent.” I have also given talks and presentations to MNCs and government agencies on retirement and other financial topics.

So let’s connect and work together to make your retirement dreams a reality. With my guidance and expertise, you can enjoy a financially-free retirement and leave a lasting legacy for future generations. Don’t wait any longer, let’s start planning for your retirement today!

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It is very important to have a financial advisor whom we fully trust and who has our best interest at heart, and Patrick is someone like that. He is never pushy, never hard-sells me anything, always patient, and never judges me when I ask him ‘silly’ questions about financial products. And when I ask him for recommendations, he always goes the extra mile to do his research and presents me with various options, detailing the pros and cons of each one. He is definitely the go-to-person for all my financial needs and questions.

Stephen Wong

Assistant Manager, Specialist Outpatient Clinic Operations, SKH

Patrick is one of the few financial consultants I know, whose knowledge extends far beyond just the products he’s selling. He has a good insight on the macro view of the markets, as well as a good understanding on different asset classes, and their strengths and weaknesses during different market conditions. He’s therefore able to give the best advice to his clients on how to manage and protect their wealth for the long term.

Russell Gomes

CEO, Suzerin Pte Ltd

I am absolutely delighted with Patrick’s services over the past couple of years. Patrick has a very friendly, welcoming, professional, and attentive nature, who works with integrity to provide his clients with sound financial advice and guidance. The expertise and attention to detail with which Patrick has handled my financial affairs could not be faulted. Passion, knowledge and a genuine interest in achieving the best for clients is what makes Patrick a truly professional Financial Advisor.

Azmi Jaffar

Executive Producer, The Gunnery

A VERY BIG THANK YOU TO PATRICK CHANG for his continual advice in my personal financial planning. I was diagnosed with myeloma (type of blood cancer) in mid-2019, went through chemotherapy, stem cell transplant. Thank God I’m currently in remission. Patrick’s holistic, broad-based approach in strategizing, planning has prevented a huge financial burden onto my family, amounting to $450,000.

Ronnie Lee

Ministry staff, Grace AOG Church

Patrick is a responsible and prompt advisor. He is transparent and shares the risks of the products clearly. Having my investment under Patrick’s’ care for the past 5 years, all the investments made has come back with good returns. Glad to have known Patrick!

Andy Lin

Founder, iTaz Pte Ltd

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ENG 中文

Chang Poh Fatt Patrick 郑宝垡

MAS REP No.: CPF200037430

Senior Consultant

Highly Qualified Retirement and Estate Planning Professional with 15 years of Experience

Hello there! I’m Patrick Chang, a retirement planning professional with over 15 years of experience. But more than that, I’m passionate about helping people achieve their retirement dreams and leaving a lasting legacy for their loved ones.

As a CFP, ChFC, IBFA, AEPP, and certified Family Office Advisor, I believe that everyone deserves a good retirement and an estate plan for intergenerational wealth transfer. Retirement is an exciting phase of life, and it deserves careful planning to ensure that you can enjoy a fulfilling and stress-free experience.

I’ve had the pleasure of working with individuals who have retired at ages ranging from 35 to 65, and it’s incredibly rewarding to see them enjoy a well-deserved retirement and pass on their hard-earned wealth to future generations. That’s why I offer a comprehensive intergenerational wealth transfer program that will ensure your loved ones benefit from your financial planning and hard work.

But if you prefer a more hands-on approach, I’ve got you covered too. I offer the ITOL certified program: Certificate in MAPPED Retirement Planning, which will equip you with the skills and knowledge to plan for a successful retirement. With this program, you can take charge of your financial future and achieve the retirement lifestyle you’ve always dreamed of.

My expertise in retirement planning has also earned me media coverage and allowed me to publish a book on retirement planning, “The A to Z Guide to Retirement Planning,” and create a financial card game titled “Affluent.” I have also given talks and presentations to MNCs and government agencies on retirement and other financial topics.

So let’s connect and work together to make your retirement dreams a reality. With my guidance and expertise, you can enjoy a financially-free retirement and leave a lasting legacy for future generations. Don’t wait any longer, let’s start planning for your retirement today!

Investment Portfolio Analysis & Construction

Integrated Retirement Planning

Equitable Estate Planning

Legacy & Succession Planning

Financial Literacy Education

Insurance Portfolio Audit

Private Wealth Management

Fee-based Wealth Advisory and Consultancy

Academic

MBA

Bachelor of Commerce

 

Professional Qualifications

Certified Financial Planner (CFP)

Chartered Financial Consultant (ChFC)

Institute of Banking & Finance Advance Certification (IBFA) – Financial Planning (Personal)

Advanced Diploma in Wealth Management (ADWM) by Wealth Management Institute

Certified Family Office Advisor by Wealth Management Institute

Certificate in Trusts Services (Foundation) by Wealth Management Institute

Associate Estate Planning Practitioner (AEPP)

Certified Enneagram Coach

Certified DISC Flow Trainer

ACTA Certified Trainer

MOE Registered Trainer for Personal Financial Planning, Marketing, Entrepreneurship, and Communication

 

Others

Authored the book: “The A to Z Guide to Retirement Planning”

Financial Literacy Card game producer: “Affluent Wealth Management Game”

 

Interviews/Articles/Speaker in:
CNA93.8

The ABF Podcast (by CNA)
MoneyFM 89.3

Capital 95.8城市频道

Channel News Asia (CNA) website commentaries section contributor

Speakers & Presenters at SingTel, Ascendas-Bridge, NLB, Singapore Prison Services, Teen Challenge, Peter Ong Law Corporation,

 

 

 

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