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

Carine Zheng 郑凯心

Financial Advisory Manager
MAS Rep No. ZKC300055466

My Specialities
  • Retirement Planning
  • Personal Life Insurance Planning
  • Children Education Planning
  • Investment Planning
  • Mortgage and Liability Planning

Click here for the full list of my specialities >>

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About Me

"Do you want to live a life with no regrets and be remembered as a role model?"

Carine Zheng has over 5 years of experience in financial planning. She possesses deep knowledge about a wide range of financial products and services from most major insurers in Singapore.

She believes that being in control of your life by planning for uncertainties is being responsible to yourself and to your family. Achieving financial freedom is both her life goal and what she wants to achieve for her clients.

Contact her to do a comprehensive plan that will benefit you for life!

Carine Zheng
Financial Advisory Manager
Hp: 83893356



My Specialities

  • Retirement Planning
  • Personal Life Insurance Planning
  • Children Education Planning
  • Investment Planning
  • Mortgage and Liability Planning
  • Comprehensive Financial Planning
  • Estate Planning
  • Mortgage and Liability Planning
  • General Insurance Services


Educational Qualification
  • BA(Hons) in Visual Communications