👋 Hi, I’m Lawrence Koh from Singapore!

I’m an independent financial advisory practitioner with over 15 years of experience in wealth management since 2009. What I love about my work is that I represent clients’ interests, not those of financial institutions. My goal is to help clients find the best solutions to meet their financial goals while minimizing wasted time and money. 💼💡 (Its never about how fast you run, its about whether are you running to the right direction because U-turn is costly in money and time)

What I love about my role is able to represent my clients’ interests, rather than the interest of financial institutions’. My goal? Helping clients achieve their financial objectives while minimizing wasted time and money. 💼💡(Its always comforting for me as a practioner to know that i do not need or be forced to promote any financial product for any particular financial institutions in the course of financial advisory work for my clients.)

Before this, I spent 9 years in the chemical industry 🌿⚙️, honing optimization and account management skills—skillset that now is key to optimizing financial portfolios and solving the living expenses challenge for my clients. 💸📉  (A winner is someone who recognizes his God-given talents, works his tail off to develop them into skills, and uses these skills to accomplish his goals. ~ Larry Bird)

Most people rely on active income (trading time for money 🕒), but this approach isn’t sustainable, as our earning years are shorter than our spending years. I help clients reduce resource wastage and use their surplus to generate passive income 💰📈 thru both investment and non-investment strategies, moving them toward financial freedom.. (I have 3 competitors….They are Illness, Retrenchment, Reductant… I have to compete with these 3 competitors to reach my client and help them create passive income before my competitors reached them because my competitors will disable them from selling time for money…) 

I believe earning money is a full-time job, and so is optimizing wealth. Many people fall short because they manage their wealth part-time. My mission is to elevate households to million-dollar levels 💼🏡 through my proprietary financial freedom planning. After all, a million dollars is just $50k per year for 20 years—a modest sum considering future inflation 📉. (Have you seen anyone who work part-time in your company and was being promoted to senior position…)

My mantra: “Wealth Optimisation and Life Transformation.” ✨🚀

Progression Outperforms Perfection

Financial freedom is possible with proper wealth management. I help PMETs (35-45) generate passive income to secure stability before retrenchment or retirement through a proven 3-stage financial freedom program:

💡 Stage 1: Optimize portfolios (maximize resources, minimize waste).
💡 Stage 2: Build a growth portfolio (balance risk, budget, goals).
💡 Stage 3: Convert it to passive income (sustainably fund living expenses).

If you’re responsible in nature and want to avoid becoming a financial burden to your family or subject yourself to the constant stress of retrenchment risk, let’s work together to create alternative income streams and achieve time freedom.

Mentorship for Career Transformation
As an ex-mid-career switcher, I help others transition smoothly into building financial practices that create real value, not just products.

✳️ Mediocre salespeople sell products.
✳️ Good salespeople meet needs.
✳️ Exceptional salespeople offer what clients can’t live without!

What’s your offer that clients can’t live without? If interested in exploring this career, DM me to learn how to build a successful IFA practice that’s fulfilling and rewarding.