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

Tang Kia Siang 陈嘉祥

Financial Consultant
MAS Rep No. TKS300309207

My Specialities
  • Fee-based Financial Planning
  • Family Insurance and Savings
  • Retirement Planning
  • Child Education Funding
  • Investment Planning

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About Me

Tang Kia Siang (陈嘉祥) always believes that everyone should take charge of their own personal finance, including building financial security and growing the value of net wealth. In order to achieve that, truthful and value-added financial advice is very important for making informed decisions and plans.

His favourite quote is “Life is like riding a bicycle. To keep your balance, you must keep moving”. He interprets the word “balance” to mean stability in financial, physical and mental aspects, and “moving” means knowing the actual happening and trends, being prepared and moving forward.

According to him, the usual way of saving is not totally risk free. It still carries certain risks. Surprisingly, such risks are not recognised by many people, e.g., inflation risk (or perhaps default risk). Also, time is the crucial factor in money accumulation and most of the time, it is not sufficient in long term planning.

Despite all that, there are also five big enemies in life which will disrupt our planning, namely Death, Disability, Critical Illness, Hospitalization and Accident. It is important to expect the unexpected to protect one's family's finances.

His approach is to assist clients in making informed decisions and offer holistic solutions to their financial needs. He firmly believes the concept and solution provided must be clear, plain, customized, client oriented, and truthful.

He also attends investment courses and financial seminars to upgrade his skills and improve his quality of service.



Educational Qualification
  • Bachelor of Degree in Civil Engineering