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

Financial Planning


Understanding Singapore’s Financial Advisory Landscapes: Introduction To Independent Financial Planning

The financial advisory landscapes of Singapore have undergone a major evolution over the past years. Initially dependent on the prevalent tied agency model years ago, such industry now advocates a more independent model, one that has shied way from tied agents, limited product offers and that unappealing loyalty to business over customer interests.

The Disadvantages Of The Tied Agency Distribution Model In Financial Planning

If a certain agent enters into an agreement to sell the products of Company A, then the agent becomes a tied agent and immediately is considered part of the tied agency distribution model. The tied agent is therefore expected to sell only the financial products (insurance and other investment packages) from Company A. 
Consumers usually have two problems with the tied agency distribution model. First, it limits their choices. The financial products offered by tied agents usually come from one product provider so variety won’t be much of a choice. Second, it does not guarantee what’s best for them. Realistically speaking, tied agents can’t give out unbiased financial advice. As they are affiliated with a certain product provider, it then becomes their responsibility to elevate their business partners above the rest to get the consumer’s approval and interest, never mind if the investment is not perfectly appropriate for the consumer’s current financial standing. 

Financial Alliance’s Commitment To Unbiased Financial Planning

Fortunately, the introduction of the Financial Advisers Act of Singapore in Singapore has ushered in a new breed of financial professionals under the watch of the Monetary Authority of Singapore (MAS). The birth of financial advisers then paved the way for financial advice that steers way from bias! 
Financial Alliance, Singapore’s leading provider of unbiased financial advice, stands firm in its decision to deliver financial advisory services anchored on clients’ investment goals and free from product providers’ incentives. A proof to this is the brand’s commitment to ensure that clients make the most pragmatic choices by keeping them exposed to a broad array of options and introducing them to products that sensibly cater to their individual circumstances.