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Two young clients met with a life insurance specialist as part of the comprehensive financial planning process in our private client practice. The extract of the email below may be typical for healthy young high-income professionals as they weigh the need for life and medical insurance.

"Our financial planning journey with Roy began in 2008. With a modest sum of money from the sale of our property, my husband and I wanted to find a suitable financial planner to advise us on how we can grow the sum and achieve the goal we had - which was retirement & our children's tertiary education.

It's been 5 years since i left ipac for the practice i now have. My clients have contributed to the building of rewarding relationships as we share our journey. I trust everyone had a proper break in December to see us through another chapter in our respective stories.

What an annoying way to greet the New Year when news about global markets appears to be dominating our thoughts and conversations. It seems that this is the first time in a long time that the major indexes have hit a slump like this in January, which has historically been a good month for stocks. The S&P 500 is down...

Some of you have been my clients since 1997. The majority of you would have engaged me for more than six years (pre-2008 Global Financial Crisis). A handful of clients have only known me post-ipac since 2012. In any case, you would have all gone through several global macroeconomic events that have impacted the markets, the most recent of these...

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The materials and contents on this website are strictly for general information only and for the purpose of financial literacy for those who visit the site. There is no offer for the sale of any financial product. Any opinion on this site is made on a general basis and does not take into consideration the reader's investment objectives and experience, financial situation or particular need, risk tolerance and other personal financial circumstances. We do not endorse any product manufacturers who may be quoted in the blogs or articles posted. Visitors to the website should seek appropriate professional advice before acting on any content published here. Past performance is not indicative of future results. All opinions expressed in this website are by Roy A. Varghese, CPA, CFP and not of the licensee iFAST Financial Pte Ltd, and are subject to change without notice.