General Knowledge
For many, retirement seems like an end goal that is never in sight. Many are still struggling with monthly household and emergency expenses for their children and parents. And so, retirement planning is placed as the least of their priorities. However, it doesn’t matter if one plans for retirement or not, retirement will surely come…
Introduction Recently, I had a conversation with a prospective client who was exploring her financial options. We had thoughtful discussions and outlined strategies aligned with her goals. But when it came time to decide, she made her choice based on a personal impression—something that felt reassuring rather than being objectively grounded. This reminded me how often emotional…
Wealth, when passed on without intention, can be more of a burden than a blessing. For high-net-worth individuals (HNWIs) with families spanning continents, transferring wealth isn’t just about legal documents and financial structures—it’s about ensuring that the values, vision, and legacy behind that wealth continue to flourish. In an increasingly globalized world, where children may…
In today’s globally-connected world, many people have ventured into acquisition of overseas assets, as a way to diversify their risks. For individuals or families with assets, businesses, or family members spread across multiple countries, a traditional estate plan may not be sufficient. Cross-border estate planning involves far more than drafting a will. It requires understanding…
In today’s fast-paced world, financial well-being is more than just a personal goal—it’s a critical factor that influences our professional lives and long-term aspirations. Many of us dream of retiring early, but the path to achieving that dream is often clouded by financial stress, especially in the workplace. Some of us are plagued by work…
Financial planning is the cornerstone of a secure and prosperous future, especially in a dynamic and high-cost environment like Singapore. When you have a resilient financial plan, you lead a less financially stressful life. With rising living expenses, evolving retirement needs, and the increasing variations of schemes and scams, it’s prudent to adopt time-tested best…
Many people hesitate to engage in estate planning, not just because of cost or complexity, but due to deep-seated, often unspoken fears. Yet, estate planning is still a crucial aspect of financial management for many individuals. Addressing these fears is key to ensuring that the process is not only completed effectively but also with peace…
Retirement planning is a crucial aspect of financial management that often requires careful consideration and strategic decision-making. Yet, it is hardly a priority for many, until when it might be too late. According to an article published in Business Times (source: https://www.businesstimes.com.sg/wealth/science-behind-why-we-are-bad-saving-retirement), 3 in 4 of those polled, planned to start retirement planning at the…
Insurance plays a crucial role in financial security, providing protection against unexpected risks and ensuring peace of mind for you and your loved ones. However, with the wide variety of insurance products available, selecting the right policies can feel overwhelming. Many people end up purchasing coverage without fully understanding what they are getting—or worse, realizing…
When it comes to personal finance, I like to think of it like the 4 seasons in our financial life. At every stage of the journey, I believe to achieve financial well-being, employing sound strategies to achieve financial resilience is the way to go. In this article, I will introduce each of these seasons and…