But then the global pandemic hit, and it was a wake-up call that exposed gaps in my financial planning. Let me take you through my journey from complacency to empowerment.
COVID-19 disrupted our lives, making us reassess our priorities. With the circuit breaker measures in place, I found myself with extra time. I decided to dive into my financials—a task I’d put off for far too long.
I always saw insurance as more than just a safety net; it was a key part of my risk management and wealth-building strategy. I had covered all bases—hospitalisation, disability, personal accident, life insurance, education funds, and retirement plans. I thought I was well-prepared for whatever came my way.
But then reality hit. Have you ever felt like despite having insurance, something crucial was missing from your financial strategy?
I realised that having insurance alone wasn’t enough. I needed a comprehensive financial plan.
I discovered that regular portfolio reviews were essential, especially since I was invested in investment-linked plans. My previous financial adviser had failed to conduct these reviews, leaving me in the dark about my true financial situation.
Determined to take control, I explored my options. I met various advisers through Facebook ads, but none met my expectations:
Even the banks fell short. They lacked holistic financial planning and accountability. Frustrated, I decided to become my own financial adviser. With my strong accounting background and meticulous attention to detail, I took on this role myself.
Driven by a quest for perfection, I dove deep into online research. But I soon realised it only scratched the surface and didn’t provide the full picture. I was missing out on tailored solutions designed for both mass affluent and retail markets. This realisation led me to join the financial advisory industry to get a more comprehensive perspective.
Joining the financial advisory field was eye-opening. I learned that not all firms are created equal. Only a few are truly independent and committed to offering unbiased advice. The Monetary Authority of Singapore (MAS) emphasises fair dealing and the importance of regular portfolio reviews, reinforcing the need for comprehensive financial planning.
Three years ago, I plunged into financial research and hands-on experience, discovering my true passion for financial planning. This journey didn’t just shape my career; it became a personal quest to help others achieve their financial dreams and secure their future. I’m on this path for myself as well.
I genuinely believe that everyone deserves clarity when it comes to their finances. Here’s how I make that happen:
Financial jargon can be a real head-scratcher. That’s why I take the time to simplify complex concepts and explain them in straightforward terms. Whether it’s figuring out investment options, understanding protection plans, or planning for retirement, I’m here to make it clear. I’ll look at your current financial situation, talk about your goals, and work together to create a plan that works for you.
Achieving financial freedom isn’t just about crunching numbers; it’s also about having the right mindset. I love sharing inspiring stories and practical tips that help you avoid common financial pitfalls. By making informed choices, you set yourself up for lasting financial well-being and a brighter future.
Investing is personal, and there’s no one-size-fits-all approach. Based on extensive research and industry insights, here are two key strategies that have proven effective:
The market can be unpredictable, but we can leverage its volatility to our advantage. Instead of trying to time or predict market movements—an often elusive goal even for experienced investors—I use the Trigger Point Investment Strategy to navigate market volatility effectively. Here’s how it works
This approach uses established benchmarks, such as the Price -to-Book Ratio (PB ratio) of the index, and relies on the principle of reversion to the mean to manage risk and keep us on track, all while avoiding the stress and uncertainty of market timing. The underlying investments include index funds, unit trusts, and bonds.
This approach combines multiple strategies using ETFs as underlying assets, alongside robust risk management techniques. It’s designed to optimize portfolio performance while effectively managing risk.
But there’s more to my story. With a business-savvy mindset, I make sure my experience isn’t wasted.
When creating financial plans for business owners, I leverage my expertise in accounting, business tax planning, risk management, and government grants. My goal is to add value by making their businesses more tax-efficient and financially robust, while also focusing on wealth transfer and legacy planning
For those eyeing early retirement, discover how the Bespoke FIT program, combined with the Trigger Point Investment Strategy, can help you retire 5 to 10 years ahead of schedule. Let’s explore how this tailored approach can accelerate your journey to financial freedom and secure your future.
For business owners, let’s delve into how I can enhance your business’s financial health, optimize tax efficiency, and implement effective wealth transfer and legacy planning. By doing so, you’ll ensure your business remains strong and your legacy endures for future generations.
Ready to take the next step in securing your financial future? Reach out today to start your journey toward financial empowerment and a well-planned legacy. Let’s connect and make your financial goals a reality!
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 independent 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.
Nice to meet you! 👋 As a seasoned finance professional with over 20 years of experience, I’m here to be your compass on this financial journey. No sales pitches, just genuine advice.
What I Bring to the Table
Let’s collaborate to retire 5 to 10 years earlier through bespoke F.I.T. program. One powerful tool I’ll use is the Trigger Point Investment Strategy.
What’s that, you ask? It’s a rules-based quantitative investment approach. I focus on Price to Book ratios to identify investment opportunities. When markets are cheaper, we buy more; when they’re expensive, we sell more. Simple, effective, and strategic.
Running a business comes with unique challenges. Drawing upon my extensive business experience, I tailor strategies to align with your objectives. From corporate and personal tax planning to government grants and risk management, I’ve got you covered. Let’s maximize tax efficiency and support your business goals.
Ready to take that intentional step toward financial freedom? Connect with me today! 🌟
