This is the first and most important Pillar of Wealth. Without adequate protection, you will be vulnerable to the nasty effects of one or more chance misfortunes, which will cause you to suffer unnecessary and 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.view more >>

The second Pillar of Wealth analyses your general financial health, such as cash flow and debt position. A net positive cash flow with no overcommitted liabilities is considered healthy. We will advise you how to effectively manage your cash flow and suggest ways to reduce, or avoid, unnecessary borrowing.view more >>

The third Pillar of Wealth drives you towards meeting your long term financial objectives through accumulation. 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.view more >>

The fourth Pillar of Wealth 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.view more >>

This fifth and final Pillar of Wealth 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.view more >>

  • Wealth Protection
  • Wealth Maintenance
  • Wealth Accumulation
  • Wealth Enhancement
  • Wealth Distribution

Alvin Low Wai Seng

Senior Consultant
MAS Rep No. LWS200166080

My Specialities
  • Business Succession and Continuity Consultation
  • Children Education Planning
  • Risk Management
  • Retirement Planning

Click here for the full list of my specialities >>

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About Me

I have been in the financial services and insurance industry for more than 20 years.

I conduct my advisory practice with professionalism and integrity; always placing the interests of my clients before mine. I offer competent and sound advice, to help my clients make an informed decision.

I am passionate in helping people simplify and improve their lives. I advocate personal responsibility in planning for a secure financial future.

I am committed to serving my clients and I look forward to a long-standing partnership!

Alvin aims to partner his clients in wealth management that empowers them to achieve financial freedom, build financial stability, and leave a legacy for their loved ones. His favourite tagline is: Navigating the "What IF's" in LIFE!

His business philosophy is to ensure that his clients receive the highest standard of advice and service.

His investment philosophy is based on the premise of investing only in companies which create true shareholder value as well as companies that pay a steady dividend stream and achieve sustainable growth in earnings while providing lower volatility and strength on the downside.

He firmly believes in the continuous upgrading and re-skilling of the individual. Alvin also holds a Post-graduate Diploma in Marketing (CIM, UK), as the field of marketing is a passion to him.

Being a firm believer in paying back to society, he volunteers regularly in the hospitality ministry in church. To date, he has also donated more than 100 times as a blood donor, making him one of the few champion blood donors in Singapore.

In 2012, he successfully completed the national train-the-trainers program, ACTA, also known as Advanced Certificate in Training and Assessment. This program equips trainers with the basic understanding and competency to run national Workforce Skills Qualification (WSQ) programs.



My Specialities

  • Business Succession and Continuity Consultation
  • Children Education Planning
  • Risk Management
  • Retirement Planning
  • Estate Planning
  • Tax Planning
  • Mortgage Advisory
  • Investment Planning


Educational Qualification
  • Bachelor of Commerce, Murdoch University
  • Diploma in Marketing, Chartered Institute of Marketing (UK)
  • Diploma in Sales and Marketing, Marketing Institute of Singapore
  • Diploma in Business Administration, Singapore Polytechnic
Professional Qualification
  • Associate Wealth Planner (AWPCM)
  • Associate Financial Planner (AFPCM)
  • Associate Financial Consultant (AFC)
  • Advanced Certificate in Training and Asessment (ACTA)