Wealth Distribution

This Wealth Distribution looks at preserving and distributing your estate. The only certainty in life is that it will not last forever. We will help you develop an effective and efficient estate plan so that your legacy will be well preserved and distributed according to your wishes.

Key considerations:

• Will
• CPF Nomination
• Life insurance beneficiaries
• Advance Medical Directive
• Lasting Power of Attorney

Wealth Enhancement

The Wealth Enhancement maximises the growth potential of your assets. We help you develop an investment program that is appropriate to your unique situation, yet will grow at a rate you desire. With the help of our proprietary tools, you stand a better chance of enhancing your investment return, thereby fulfilling your long term financial dreams.

Key considerations:

• Cash investment
• CPF investments
• SRS investment

Wealth Protection & Preservation

This is most important Pillar of Wealth. Without adequate protection, you will be vulnerable to the nasty effects of a chance misfortune which will cause you to suffer unnecessary and possibly tremendous financial losses. Our planning helps to reduce the negative impact of unplanned misfortunes and ensure that your lifestyle remains unaffected as much as possible thereafter.

Key considerations:

• Accident
• Basic H&S
• Critical Illness
• Disability
• Early Critical Illness
• Family
• Geriatric (Long term care)
• Holiday

Wealth Accumulation

The Wealth Accumulation drives you towards meeting your long term financial objectives. In Singapore, the two most common needs are Retirement Funding and Children Education Funding. We will help you develop a realistic and achievable program to meet these needs.

Key considerations:

• Accumulation
• Retirement
• Children

Wealth Maintenance

This Wealth Maintenance analyses your general financial health such as cash flow and debt position. A net positive cash flow with no over-committed liabilities is considered healthy. We will guide you to effectively manage your cash flow and suggest ways to reduce, or avoid, unnecessary borrowing.

Key considerations:

• Cash flows
• Emergency funds
• Debt analysis
• Tax planning

Five Steps of Financial Planning

Basically there are only five steps to a financial planning process:

1. Gather & Establish Objective
2. Analyse & Evaluate Information
3. Develop Plans and Recommendations
4. Implement Plans & Recommendations
5. Review Periodically

Five Pillars of Wealth

The Five Pillars of Wealth are the essential elements in a comprehensive framework that covers the wealth management needs of an individual from a complete perspective. Every individual who cares about his/her financial life will benefit from this framework whether he/she is just getting by, rich, poor or broke. Later we shall see that dire consequences await those who do not adequately address any of the crucial pillars of wealth management.

1. Wealth Maintenance
2. Wealth Accumulation
3. Wealth Protection & Preservation
4. Wealth Enhancement
5. Wealth Distribution

Or Wealth M.A.P.P.E.D in short.