Making a Difference
Award-winning Financial Planning & Investment Advice
Financial Planning Process
Our process starts with a comprehensive understanding of our clients'
background and financial circumstances. This is documented in a written
financial plan, capturing each client's goals which are quantified and
prioritized. As part of our ongoing service, we review and update this
plan. We communicate with clients via email, and schedule review meetings (face-to-face or Skype Video Call), complete with written minutes
of all meetings.
Fee-Based Financial Advice
Our clients pay us fees for advice and for implementing investment strategies. This means that we work for clients and not for product providers. There is no conflict of interest or bias when we recommend financial products with absolute objectivity. The rationale for all investment strategies will be clearly documented. No transactions will be executed without the client's prior written or on-line approval.
Roy Varghese, CPA, CFP is a pioneer in the Singapore financial planning community. Roy was one of the first US-trained CPAs in Singapore in 1981. In 2001, he obtained his Certified Financial Planner (CFP) mark with the first cohort in Singapore. In the intervening two decades, he had senior roles as financial controller and CFO for global multi-national companies. Roy has received multiple national and international awards in financial planning and is a member of the Financial Planning Association of Singapore.
Roy has over 20 years of experience advising high-income individuals and families, ranging from Baby Boomers to Millennials. Women account for 66% of clients in 2017. Some of Roy's current clients are now enjoying retirement around the globe. Their grown up children have become his clients. Roy draws on his personal and professional life to share insights with clients at different life stages. It is the collective experiences of all the lives he has touched that enable Roy's sharing of wisdom.
What clients say about Roy Varghese
When the Trustees of Firmenich Singapore decided to review and improve our company's Supplementary Pension Fund, we appointed Roy. He brought a level of proactivity and passion, combined with solid industry knowledge and professionalism, we had not seen before in our partners. His open and honest communication added real value for our members.
Loh Ching Soo
Roy brings a unique and rich blend of advice that goes beyond the offerings of a traditional financial adviser. He is able to weave life's foundational components including insurance, real estate, tax and even career advice as a complete package. This holistic approach has greatly benefitted my family and me since we first became clients in 2004.