Investment Guidance Without the Pressure

We charge transparent fees for our advisory services as listed on this site. We do not receive commissions, trailing fees, or any form of compensation from investment product providers, insurance companies, or financial institutions. This structure removes potential conflicts that can arise when advisors benefit from specific product recommendations. Payment is made directly by you for the advisory service received, similar to how you might engage an attorney or accountant.

The orientation session is a conversational meeting lasting approximately 60 minutes. We describe our advisory philosophy, typical engagement structures, and working style. You share information about your current situation, objectives, and any specific concerns. There are no product presentations, portfolio reviews, or requests for account transfers. The session allows both parties to assess whether a working relationship would be mutually beneficial. Regardless of whether you proceed further, you will receive at least one or two observations about your current approach that may prove useful.

Yes. Our advisory output is designed to be actionable whether you choose to implement independently or with our assistance. Portfolio construction advice includes specific asset class recommendations, suggested allocation percentages, and example vehicles across different cost structures. Transition planning deliverables include timeline frameworks and decision trees that you can follow yourself. We are available for implementation support if desired, but this is entirely optional. Many clients appreciate having advice they can execute at their own pace through their existing brokerage or banking relationships.

Timeline varies by service. Orientation sessions can be scheduled within a week of contact. Portfolio construction advisory typically requires 2-3 weeks from engagement to final delivery, including time for information gathering, analysis, and review of preliminary recommendations. Transition planning support timing depends on your specific situation but usually spans 3-4 weeks to allow for proper scenario modeling and consideration of various approaches. We establish clear timeline expectations during initial discussions.

Our services are most relevant for individuals with investable assets exceeding S$100,000. Below this threshold, the advisory fee relative to portfolio size may not represent the most efficient use of resources. However, we consider each situation individually. Those approaching significant transitions (such as business sale proceeds or inheritance receipt) may benefit from planning before assets are received. Contact us if you are uncertain whether your circumstances align with our typical client profile.

Our practice operates under the regulatory framework established by the Monetary Authority of Singapore. Our principal advisors hold the Capital Markets and Financial Advisory Services license. We maintain professional indemnity insurance and adhere to MAS guidelines regarding client communication, documentation, and advisory standards. Details of our regulatory status and any disciplinary history (if applicable) are available upon request and can be verified through MAS public registers.