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

Wealth Management


Biases That Can Ruin An Investor's Wealth Management Capability

There's this saying that money—like love, happiness, health and other forms of success that that people want to create for themselves—is a result of living purposefully. It only follows that anyone who wants to get financially secured should have a sense of discipline especially in terms of wealth management.
Discipline requires conviction and a strong sense of commitment to direct one's energy and actions to a particular goal, which in this case is building wealth. Nothing can hinder more a person from achieving a disciplined self than by nurturing thoughts that can ruin one's focus or by going into a cycle of destructive investment habits.

Wealth Management And Behavioural Biases

Below is a list of a few common behavioural biases that can affect a person's ability to do wise decisions when investing:
Loss Aversion – This refers to people's tendency to handle equivalent loss and gains very differently. This becomes detrimental in investing when people try to hold on to an investment longer than they should by believing that they can sell it when the cost goes up. But the fact that the investment continues to drop means the investor is already losing money than he or she should.
Anchoring – It is the use of a particular event or information as a reference in making a decision. The danger in anchoring is that a person may end up making a crucial decision out of information that is irrelevant or has no bearing to the actual event at all.
Recency bias – This pertains to a person's inclination to use recent experiences (or current information) as the baseline for what will happen in the future. Completely ignoring the underlying factors or the chronological events will caught an investor off guard.
Herding – In a nutshell, this means going with the flow. While it feels comfortable to base one's decision on what the majority feels is right, an investor should still check the other side to ensure that he or she is not missing something important. 
Overconfidence – An investor may feel immune to investment blunders when they managed to build an impressive investment portfolio. As a result, successful investors could make uncalculated moves which might lead to losing money than they could ever imagine. 

Components Of Effective Wealth Management

Nothing is certain in investing, but you can always achieve your financial goals by setting a goal, keeping the promise to achieve it, and most importantly, taking a purposeful action. All these are important components of wealth management.