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


North Star

NORTH Star, our fee-based advisory service, helps you navigate your way to financial liberation. North Star addresses all aspects of wealth management as much as it offers complete peace of mind that the recommended courses of action are what you need and not what financial institutions want to sell. Offered in a modular format, you can structure your North Star analysis - and report - to be as holistic as you like or as specific as you want.

Our professional North Star planners are specially trained to advise you on all aspects of wealth management. To add further value to their recommendations, they are supported by the experts and dedicated systems in our centralised technical wealth management department that specialise in areas such as investment, insurance, estate planning and mortgages.

We are therefore proud to say that every layer of our advisory process is designed to ensure that our clients’ interests are not compromised.

North Star Financial Planning Process