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


Key Principles For Financial Planning

How much are you willing to risk losing to gain something more? If this question frightens you, then you might be one of those people who'd rather keep their money in a savings account than invest it. Whilst this kind of reaction is typical to people who are afraid of taking risks, one should remember that proper investing is about making sense of the uncertainness. And investors can do this by understanding certain principles and by learning how and when to use them as far as financial planning is concerned. 

Financial Planning: Importance Of Preserving Capital

One of the key principles that is very important in today's market is preserving capital. Capital is all you've got to participate in any investment activity, hence you can't afford to lose or risk it all. 
When the market is down and the value of your stocks is sinking, you can't hold on too long and convince yourself that you can get back the amount of money you lose by selling it when the prices go up. Yes, this could happen but the question is when? Tomorrow? Next month? Or Next year? If you are not certain then forget about it.
What's certain is that the more you allow your ranking to drop, the more effort you'll have to exert to return to your initial position.

Managing Risk And Its Direct Impact On Financial Planning Schemes

Another important principle worth knowing is managing risks. Managing risks means taking both the risk factor and the actual or potential return into equation.  These two should be viewed as interconnected factors since the higher the risk involved, the greater the return an investor should get. 
Note, though, that there are instances when the risk is high and yet the return of investment is low. These are the cases when taking the risk is not worth it. The most certain way to deal with this is to learn how to determine the appropriate degree of risk for a given return.