Building Rewarding Relationships & Sustainable Growth
Integrated Wealth Management for a Niche Market
We offer advice based on an established structured process in financial planning that begins with the question: What is important about money to you? The answer helps us understand the emotions our clients place on wealth accumulation, preservation and distribution. The main areas of advice for our clients are around retirement planning, funding their kids' tertiary education and real estate investment strategies.
up a Plan for life after your regular paycheck ends. Apart
from estimating how much capital we need to be free from working for
else, we all need to visualize how we will spend our lives without a
regular daily routine. These conversations continue between clients and
adviser as part of the ongoing relationship.
Investing in your Children
There are many options for university education but wouldn't it be great to have the opportunity to fund overseas higher education for your kids? Consult your adviser who has done just that. There are trade-offs to balance when we consider other big-ticket items in the Plan.
Real Estate Strategies
clients have decisions to make about the home they live
in or for acquiring investment properties. Our client offer includes
this area for local and overseas strategies. Debt management and
liquidity are two critical aspects of planning for your portfolio of
Other Services for Our Clients
- Financial literacy for clients and their teenage children though workshops
- Advice on life and medical insurance through risk specialist partners
- Career counseling and advice on compensation and benefits
- Survey of home mortgage market competitiveness
- Wills and Living Power of Attorney through legal network
The steps for the financial planning process are as follows:
Our retainer clients open an account on the iFAST online platform for investments in any of the following types of products registered in Singapore:
o Unit Trusts or Mutual Funds
o Exchange-Traded Funds
o Index Funds
o Direct Bonds
o Direct Shares (SGX & HKEX)
Our clients are typically professionals, who are singles or with families, with a high income earning capacity and with a commitment to save and invest regularly for their lifestyle goals. Our advice is limited to Singapore individual income taxation and for financial products registered in Singapore.
Our fees will be disclosed and agreed with clients during the Discovery Meeting and documented in the Letter of Engagement.
Retirement Planning Photo: <a href="https://www.freepik.com/free-photos-vectors/background">Background image created by Katemangostar - Freepik.com</a>
Education Planning Photo: <a href="https://www.freepik.com/free-photos-vectors/background">Background vector created by Iconicbestiary - Freepik.com</a>
Real Estate Strategies: https://www.flickr.com/photos/adforce1/538810330/ Image by William Cho
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.