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

Francis Hoan

Financial Advisory Director,
Financial Advisory Group

MAS Rep No. HPH100035770

My Specialities
  • Insurance planning & restructuring focusing on optimizing premium dollar EFFICIENCY & EFFECTIVENESS
  • Practical estate Planning
  • Practical wealth creation & accumulation planning

Click here for the full list of my specialities >>

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About Me

Being in the financial industry for more than 29 years, Francis has seen the financial services industry evolve from just 2 main players; namely the banks and insurers, to the inclusion of “Independent Financial Adviser” firms as the third player with the introduction of the Financial Adviser’s Act (FAA) in October 2002.

This has resulted changing not only the way financial products are sold but also shift the emphasis on product selling to more of financial planning and personal risk management. The advent of independent financial adviser firms has also resulted in consumers being able to experience unbiased product advice and more accurate matching of products to their financial objectives.

Being a firm believer in the benefits of financial planning and in-depth understanding of the financial industry and practice, he would be able to share the job scope, challenges as well as career benefits as a financial consultant with an independent financial advisory firm.

His passion now is to help individual consultants build a meaningful career in the financial advisory practice.



My Specialities

1. Insurance planning & restructuring focusing on optimizing premium dollar EFFICIENCY & EFFECTIVENESS
2. Practical estate Planning
3. Practical wealth creation & accumulation planning

1. Over time, direct consultants to progress in their COMPETENCY & SKILLS
2.To develop realistic BUSINESS STRATEGY, while capitalizing on their current competency & skills to achieve their BUSINESS GOALS
3. Create and direct the advisory group towards achieving the group's business goals within a POSITIVE WORKING ENVIRONMENT and achieving a BALANCED & QUALITY LIFESTYLE


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Professional Qualification
  • Certified Financial Planner (CFP®)
  • Associate Estate Planning Practitioner (AEPP®)