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


Money Wise

In this module, we will conduct a comprehensive financial health check using quantitative benchmarking, such as financial rations, to identify areas of potential vulnerability. Advice and suggections will address any potential vulnerability and make improvements in cash flows and debt managenemnt.


We will analyse your current lifestyle, financial circumstanced and existing risk management measures. Based on the detailed analysis, we will highlight areas of vulnerabilities and provide suggections to improve your existing risk management strategy.


Your present education plan, current financial situation and education goals for your children will be ascertained. Based on the information collected, we will study the practicality and feasibility of achieving your financial goals and present you with a detailed analysis with recommended resolutions.


Your present retirement strategy, financial situation and retirement goals will be ascertained. Based on the information collected, we will identify any area of Vulnerability in the existing plan and recommend a suitable action plan that will help to achieve your desired retirement goals.


Your financial objective(s), risk profile and present investment portfolio will be ascertained. We will then advise you on the suitability of your existing investment portfolio in meeting your objective(s), aligning the portfolio in accordance with your risk profile and objective(s).


Your gross assets & liabilities, expected probate costs and last expenses, as well as asset distribution preferences will be ascertained. We will analyse the net estate available for distribution, project the estate distribution outcome and recommend strategies to enhance your accumulation, conservation, and distribution of the estate to accomplish your financial and non-financial objectives.


A comprehensive plan that includes all modules (may or may not include North Star Education) described above, explaining how you may gain by managing your Five Pillar of Wealth: wealth maintenance, wealth protection, wealth accumulation, wealth enhancement and wealth distribution.