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

Zoe Phua

Senior Financial Advisory Manager
MAS Rep No. PSK200177812

My Specialities
  • Retirement Planning
  • Insurance planning
  • Children Education Planning
  • Investment Planning
  • Business Succession and Continuity Consultation

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About Me

Zoe has been in the insurance advisory services industry for close to 3 decades. With her experience and conviction that life insurance is a miracle product, she has served and built her client base diligently over these years. Her clientele comes from all walks of life.

Her credentials are built on the many accolades and awards she has received over her years in insurance advisory services.

She strongly believes in wealth accumulation, as the concept of compound interest works best for individuals when they start saving early and regularly.

Armed with passion and concerns for client well-being, she has guided her clients to benefit from her advisory services.

Her foresight on planning early for retirement, or rather, being financial independent, has certainly benefited her long-term clients - now they are enjoying their retirement instead of having to retire from their enjoyment!

Simply put, “If you fail to plan, you plan to fail!”



Educational Qualification
  • Diploma in Life Insurance
Professional Qualification
  • Associate Financial Consultant (AFC)
Awards/Recognition received
  • Financial Alliance Quality Class (Eminence Class), 2013
  • Financial Alliance Quality Class (Prestige Class), 2012; 2014 - 2015
  • Million Dollar Round Table