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FINANCIAL ADVISORY MANAGER

Pang Zhe Liang

BSc. Math (Hons), AFPCM, IBFQ

Diagnosed with a rare heart disease when he was young, Zhe Liang knows the importance of getting the right insurance coverage. After all, financial planning is not just about buying insurance policies. Instead, it is about how to manage money wisely to help you achieve your life’s goals.

As a strong believer in comprehensive financial planning and to give clients honest advice, Zhe Liang set up a fee-based financial services model to remove the inherent conflict of interest behind a pure commission-based scheme. In this way, you can be assured that Zhe Liang will act in your best interest only.

During his free time, Zhe Liang helps Singaporeans make better financial decisions by answering burning questions on popular personal finance platform, Seedly. Additionally, Zhe Liang owns a blog which shares educational content on financial planning and estate planning. Sign up below and join his journey as he devotes time to help you make better decisions today.

Trusted by Professionals Worldwide

I help motivated individuals take charge of their finances and plan for a fulfilling retirement lifestyle.
Client's Reviews →

Zhe Liang identifies cost efficient products that are suitable for my needs, keeps me updated on the progress, and communicates information clearly to ensure that expectations are set and met. I would definitely recommend his services to anyone who needs a financial advisor.

- Jerina Loh

Regional Project Manager

Zhe Liang is very conscientious, provides great advice and doesn't try to upsell or make you purchase more products than necessary. What I also really appreciate about him is that he takes the time and is able to explain the terms and policies in detail.

- Richard

Lawyer

Zhe Liang is sincere, extremely knowledgeable, and most of all candid about his views on insurance policies (no hard-selling here!). I wholeheartedly recommend Zhe Liang's services.

- Loh Yin Shan

Assistant Director

Why Fee-Based
PURPOSE

I used to work for one of the largest tied Agency Force in Singapore. By and large, my remuneration comes solely in the form of commission paid by the insurer. To clarify, this means that the more policies I sell, the more commission the insurer pays me. As much as I strive to provide responsible financial advice to my clients, my KPI is still solely based on the number of policies sold. As a result, there is inevitably a potential conflict of interest – am I acting in the insurer’s or in your best interest?

After knowing what an insurer wants and what a client needs, I decided to become a fee-based Financial Advisor at an Independent Financial Advisory firm. Consequently, you are the one who sets and pays my salary now. In other words, my KPI is no longer sales-driven. Instead, I’m able to focus on providing you with honest advice that acts in your best interest only. After all, financial planning is never about buying insurance policies alone. By and large, it is more about how to manage money wisely to help you to achieve your goals in a way such that you can lead a fulfilling and meaningful life.

LEARN ABOUT MY PHILOSOPHY

What I Believe In
Values

AUTHENTICITY

Building a genuine relationship is important to me and it begins with being open and honest with one another.

COMMUNICATION

Open communication helps us to align our expectation so that we won’t second-guess one another.

GRATITUDE

Be thankful for all the little things in life – that is what shapes us and makes us better.

What We Do
Services

I work with over 150 business partners to provide you with effective and affordable conflict-free solutions.

Review

Use quantitative techniques to identify your needs accurately

Protect

Leverage on affordable insurance solutions to insure you adequately

Grow

Deploy low-cost diversified portfolios to achieve your financial goals confidently

START PLANNING TODAY!

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PZL Advise | Singapore

My goal at work is simple: to listen with empathy and to understand your intent clearly. Thereafter, I will give you my honest advice on how to improve or to optimise your current situation.

By and large, it is entirely up to you on whether you take up any proposed solution. This is because I'm only interested in one thing - to give you responsible conflict-free financial advice. If that's something that resonates with you, then send me a coffee invite.

Let's Have Coffee

Service Promise: You hate nuisance calls; me too. Hence, I promise to make at most two phone calls to you. Should we fail to arrange a time to speak or meet after these two calls, I will stop as I work professionally.

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