{"id":2576,"date":"2024-02-22T16:05:32","date_gmt":"2024-02-22T08:05:32","guid":{"rendered":"https:\/\/www.pzl.sg\/advise\/?page_id=2576"},"modified":"2024-05-16T10:17:06","modified_gmt":"2024-05-16T02:17:06","slug":"philosophy","status":"publish","type":"page","link":"https:\/\/www.pzl.sg\/advise\/philosophy\/","title":{"rendered":"Philosophy"},"content":{"rendered":"<div id=\"tdi_1\" class=\"tdc-zone\"><div class=\"tdc_zone tdi_2  wpb_row td-pb-row\"  >\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_2{\r\n                    min-height: 0;\r\n                }\n<\/style><div id=\"tdi_3\" class=\"tdc-row stretch_row_1200 td-stretch-content\"><div class=\"vc_row tdi_4  wpb_row td-pb-row\" >\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_4,\r\n                .tdi_4 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_4,\r\n\t\t\t\t.tdi_4 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_4 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_4:before,\r\n\t\t\t\t.tdi_4:after{\r\n\t\t\t\t    display: table;\r\n\t\t\t\t}\n<\/style><div class=\"vc_column tdi_6  wpb_column vc_column_container tdc-column td-pb-span12\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_6{\r\n                    vertical-align: baseline;\r\n                }.tdi_6 > .wpb_wrapper,\r\n\t\t\t\t.tdi_6 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_6 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_6 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_6 > .wpb_wrapper{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t    height: auto;\r\n\t\t\t\t}\n<\/style><div class=\"wpb_wrapper\" ><div class=\"wpb_wrapper td_block_empty_space td_block_wrap vc_empty_space tdi_8 \"  style=\"height: 80px\"><\/div><\/div><\/div><\/div><\/div><div id=\"tdi_9\" class=\"tdc-row\"><div class=\"vc_row tdi_10  wpb_row td-pb-row\" >\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_10,\r\n                .tdi_10 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_10,\r\n\t\t\t\t.tdi_10 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_10 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_10:before,\r\n\t\t\t\t.tdi_10:after{\r\n\t\t\t\t    display: table;\r\n\t\t\t\t}\n<\/style><div class=\"vc_column tdi_12  wpb_column vc_column_container tdc-column td-pb-span12\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_12{\r\n                    vertical-align: baseline;\r\n                }.tdi_12 > .wpb_wrapper,\r\n\t\t\t\t.tdi_12 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_12 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_12 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_12 > .wpb_wrapper{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t    height: auto;\r\n\t\t\t\t}\n<\/style><div class=\"wpb_wrapper\" ><div class=\"td_block_wrap td_block_title tdi_13 td-pb-border-top td_block_template_13 td-fix-index\"  data-td-block-uid=\"tdi_13\" >\n<style>\n.td_block_template_13.widget > ul > li {\r\n                margin-left: 0 !important;\r\n            }\r\n            .global-block-template-13 .td-comments-title span {\r\n                margin-left: 0 !important;\r\n                font-size: 20px;\r\n            }\r\n            @media (max-width: 767px) {\r\n                .global-block-template-13 .td-comments-title span {\r\n                    font-size: 15px;\r\n                }\r\n            }\r\n            .td_block_template_13 .td-related-title a {\r\n                margin-right: 20px;\r\n                font-size: 20px;\r\n            }\r\n            @media (max-width: 767px) {\r\n                .td_block_template_13 .td-related-title a {\r\n                    font-size: 15px;\r\n                }\r\n            }\r\n            .td_block_template_13 .td-related-title .td-cur-simple-item {\r\n                color: var(--td_theme_color, #4db2ec);\r\n            }\r\n            .td_block_template_13 .td-related-title > a.td-related-right {\r\n                margin-left: 0 !important;\r\n            }\r\n            .td_block_template_13 .td-block-title {\r\n                font-size: 26px;\r\n                font-weight: 800;\r\n                margin-bottom: 26px;\r\n                line-height: 26px !important;\r\n                padding: 0;\r\n                letter-spacing: -0.6px;\r\n                margin-top: 36px;\r\n                transform: translateZ(0);\r\n                -webkit-transform: translateZ(0);\r\n                text-align: left;\r\n            }\r\n            .td_block_template_13 .td-block-title a {\r\n                color: #111;\r\n            }\r\n            @media (max-width: 1018px) {\r\n                .td_block_template_13 .td-block-title {\r\n                    font-size: 22px;\r\n                    margin-bottom: 16px;\r\n                    margin-top: 26px;\r\n                }\r\n            }\r\n            @media (max-width: 767px) {\r\n                .td_block_template_13 .td-block-title {\r\n                    margin-top: 26px !important;\r\n                    margin-bottom: 16px !important;\r\n                }\r\n            }\r\n            .td_block_template_13 .td-block-title > a,\r\n            .td_block_template_13 .td-block-title > span {\r\n                margin-left: 12px;\r\n                color: var(--td_text_header_color, #111);\r\n            }\r\n            @media (max-width: 767px) {\r\n                .td_block_template_13 .td-block-title > a,\r\n                .td_block_template_13 .td-block-title > span {\r\n                    margin-left: 12px !important;\r\n                }\r\n            }\r\n            .td_block_template_13 .td-subcat-filter {\r\n                line-height: 1;\r\n                display: table;\r\n            }\r\n            .td_block_template_13 .td-subcat-dropdown .td-subcat-more {\r\n                margin-bottom: 8px !important;\r\n                margin-top: 7px;\r\n            }\r\n            .td_block_template_13 .td-pulldown-category {\r\n                font-family: var(--td_default_google_font_2, 'Roboto', sans-serif);\r\n                font-size: 14px;\r\n                line-height: 26px !important;\r\n                color: #444;\r\n                font-weight: 500;\r\n                position: absolute;\r\n                right: 0;\r\n                bottom: -2px;\r\n                top: 0;\r\n                margin: auto 0;\r\n                display: table;\r\n            }\r\n            .td_block_template_13 .td-pulldown-category span {\r\n                display: inline-block;\r\n                -webkit-transition: transform 0.5s ease;\r\n                transition: transform 0.5s ease;\r\n            }\r\n            @media (max-width: @responsive_p_phone_max) {\r\n                .td_block_template_13 .td-pulldown-category span {\r\n                    display: none;\r\n                }\r\n            }\r\n            .td_block_template_13 .td-pulldown-category i {\r\n                font-size: 10px;\r\n                margin-left: 10px;\r\n            }\r\n            .td_block_template_13 .td-pulldown-category:hover {\r\n                opacity: 0.9;\r\n            }\r\n            .td_block_template_13 .td-pulldown-category:hover span {\r\n                transform: translate3d(-6px, 0, 0);\r\n                -webkit-transform: translate3d(-6px, 0, 0);\r\n            }\r\n            .td_block_template_13 .td-block-subtitle {\r\n                font-size: 90px;\r\n                text-transform: uppercase;\r\n                position: absolute;\r\n                left: -4px;\r\n                z-index: -1;\r\n                bottom: -20px;\r\n                white-space: nowrap;\r\n                color: #f3f3f3;\r\n                line-height: 1;\r\n            }\r\n            @media (min-width: 768px) and (max-width: 1018px) {\r\n                .td_block_template_13 .td-block-subtitle {\r\n                    font-size: 70px;\r\n                    bottom: -15px;\r\n                }\r\n            }\r\n            @media (max-width: 767px) {\r\n                .td_block_template_13 .td-block-subtitle {\r\n                    font-size: 60px;\r\n                    bottom: -12px;\r\n                }\r\n            }\r\n            .td_block_template_13 .td-title-align {\r\n                margin-top: 0 !important;\r\n            }\r\n            .td_block_template_13 .td-title-align  > a,\r\n            .td_block_template_13 .td-title-align > span {\r\n                margin-left: 0 !important;\r\n            }\r\n            @media (min-width: 768px) and (max-width: 1018px) {\r\n                .td-pb-span4 .td_block_template_13 .td-pulldown-category span {\r\n                    display: none;\r\n                }\r\n            }\r\n            @media (min-width: 768px) {\r\n                .td-pb-span4 .td_block_template_13 .td-block-subtitle {\r\n                    display: none;\r\n                }\r\n            }\r\n            .td-pb-span4 .td_block_template_13 .td-block-title {\r\n                margin-top: 0;\r\n            }\r\n            .td-pb-span4 .td_block_template_13 .td-block-title * > {\r\n                margin-left: 0;\r\n            }\r\n            .td-pb-span12 .td_block_template_13 .td-block-title {\r\n                margin-bottom: 40px;\r\n            }\r\n            @media (min-width: 768px) and (max-width: 1018px) {\r\n                .td-pb-span12 .td_block_template_13 .td-block-title {\r\n                    margin-bottom: 26px;\r\n                }\r\n            }\r\n\r\n            \r\n\r\n            \r\n            .tdi_13 .td-block-title > a,\r\n            .tdi_13 .td-block-title > span {\r\n                color: #143659 !important;\r\n            }\r\n\r\n            \r\n            .tdi_13 .td-block-subtitle {\r\n                color: #f7f7f7 !important;\r\n            }\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_13 .td-block-title a,\r\n\t\t\t\tbody .tdi_13 .td-block-title span{\r\n\t\t\t\t\tline-height:1 !important;font-weight:500 !important;\r\n\t\t\t\t}\n<\/style><div class=\"td-block-title-wrap\"><h1 class=\"td-block-title\"><span>How I Work for You<\/span><div class=\"td-block-subtitle\">PHILOSOPHY<\/div><\/h1><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"tdi_14\" class=\"tdc-row\"><div class=\"vc_row tdi_15  wpb_row td-pb-row\" >\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_15,\r\n                .tdi_15 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_15,\r\n\t\t\t\t.tdi_15 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_15 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_15:before,\r\n\t\t\t\t.tdi_15:after{\r\n\t\t\t\t    display: table;\r\n\t\t\t\t}\n<\/style><div class=\"vc_column tdi_17  wpb_column vc_column_container tdc-column td-pb-span12\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_17{\r\n                    vertical-align: baseline;\r\n                }.tdi_17 > .wpb_wrapper,\r\n\t\t\t\t.tdi_17 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_17 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_17 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_17 > .wpb_wrapper{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t    height: auto;\r\n\t\t\t\t}\n<\/style><div class=\"wpb_wrapper\" ><div class=\"td_block_wrap td_block_title tdi_18 td-pb-border-top td_block_template_9 td-fix-index\"  data-td-block-uid=\"tdi_18\" >\n<style>\n.td_block_template_9.widget > ul > li {\r\n                margin-left: 0 !important;\r\n            }\r\n            .td_block_template_9 .td-block-title {\r\n                font-size: 17px;\r\n                font-weight: 500;\r\n                margin-top: -10px;\r\n                margin-bottom: 22px;\r\n                line-height: 37px;\r\n                padding: 0;\r\n                position: relative;\r\n                text-align: left;\r\n            }\r\n            .td_block_template_9 .td-block-title:before {\r\n                content: '';\r\n                width: 100%;\r\n                height: 2px;\r\n                position: absolute;\r\n                top: 100%;\r\n                left: 0;\r\n                background-color: #f5f5f5;\r\n            }\r\n            .td_block_template_9 .td-block-title:after {\r\n                content: '';\r\n                width: 50px;\r\n                height: 2px;\r\n                position: absolute;\r\n                top: 100%;\r\n                left: 0;\r\n                margin: auto;\r\n                background-color: var(--td_header_color, var(--td_theme_color, #4db2ec));\r\n            }\r\n            .td_block_template_9 .td-block-title > * {\r\n                color: var(--td_text_header_color, #000);\r\n            }\r\n            .td_block_template_9 .td-subcat-filter {\r\n                line-height: 37px;\r\n                display: table;\r\n            }\r\n            .td_block_template_9 .td-subcat-dropdown {\r\n                line-height: 1;\r\n                position: static;\r\n            }\r\n            .td_block_template_9 .td-subcat-dropdown .td-subcat-more {\r\n                margin-bottom: 0 !important;\r\n            }\r\n            .td_block_template_9 .td-subcat-dropdown ul:after {\r\n                height: 2px !important;\r\n            }\r\n            .td_block_template_9 .td-related-title {\r\n                margin-top: 0 !important;\r\n            }\r\n            .td_block_template_9 .td-related-title a {\r\n                margin-right: 20px;\r\n            }\r\n            @media (max-width: 767px) {\r\n                .td_block_template_9 .td-related-title a{\r\n                    font-size: 15px;\r\n                }\r\n            }\r\n            .td_block_template_9 .td-related-title .td-cur-simple-item {\r\n                color: var(--td_theme_color, #4db2ec);\r\n            }\r\n            \r\n            \r\n\r\n            \r\n            .tdi_18 .td-block-title > * {\r\n                color: #143659 !important;\r\n            }\r\n\r\n            \r\n            .tdi_18 .td-block-title:after {\r\n                background-color: #f7d557 !important;\r\n            }\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_18{\nmargin-bottom:0px !important;\n}\n\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_18 .td-block-title a,\r\n\t\t\t\tbody .tdi_18 .td-block-title span{\r\n\t\t\t\t\tfont-weight:600 !important;letter-spacing:1px !important;\r\n\t\t\t\t}\n<\/style><div class=\"td-block-title-wrap\"><h4 class=\"td-block-title\"><span class=\"td-pulldown-size\">WHY YOU SHOULD not RELY ON ONE-SIZE-FITS-ALL GUIDELINES<\/span><\/h4><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"tdi_19\" class=\"tdc-row\"><div class=\"vc_row tdi_20  wpb_row td-pb-row\" >\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_20,\r\n                .tdi_20 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_20,\r\n\t\t\t\t.tdi_20 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_20 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_20:before,\r\n\t\t\t\t.tdi_20:after{\r\n\t\t\t\t    display: table;\r\n\t\t\t\t}\n<\/style><div class=\"vc_column tdi_22  wpb_column vc_column_container tdc-column td-pb-span12\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_22{\r\n                    vertical-align: baseline;\r\n                }.tdi_22 > .wpb_wrapper,\r\n\t\t\t\t.tdi_22 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_22 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_22 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_22 > .wpb_wrapper{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t    height: auto;\r\n\t\t\t\t}\n<\/style><div class=\"wpb_wrapper\" ><div class=\"wpb_wrapper wpb_text_column td_block_wrap td_block_wrap vc_column_text tdi_23  tagdiv-type td-pb-border-top td_block_template_8 tdc-no-posts\"  data-td-block-uid=\"tdi_23\" >\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.vc_column_text > .td-element-style{\r\n\t\t\t\t\tz-index: -1;\r\n\t\t\t\t}\n<\/style><div class=\"td-fix-index\"><p style=\"text-align: justify;\">As you may be aware, there are several guidelines and benchmarks to determine whether you are adequately insured, and\/or whether you are on track to reach your financial goals. However, such generic guidelines fail to take into account your unique circumstances. To illustrate, if you are debt-free with no dependants, then what&#8217;s the point of insuring yourself for 10x annual income in the event of pre-mature death? As a result, if you follow through such guidelines without a proper analysis, then you will most likely be overpaying for insurance policies that you do not need.<\/p>\n<\/div><\/div><div class=\"td_block_wrap td_block_title tdi_24 td-pb-border-top td_block_template_9 td-fix-index\"  data-td-block-uid=\"tdi_24\" >\n<style>\n.tdi_24 .td-block-title > * {\r\n                color: #143659 !important;\r\n            }\r\n\r\n            \r\n            .tdi_24 .td-block-title:after {\r\n                background-color: #f7d557 !important;\r\n            }\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_24{\nmargin-bottom:0px !important;\n}\n\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_24 .td-block-title a,\r\n\t\t\t\tbody .tdi_24 .td-block-title span{\r\n\t\t\t\t\tfont-weight:600 !important;letter-spacing:1px !important;\r\n\t\t\t\t}\n<\/style><div class=\"td-block-title-wrap\"><h4 class=\"td-block-title\"><span class=\"td-pulldown-size\">TAILOR-MADE FINANCIAL ADVICE cannot BE FREE ALL THE TIME<\/span><\/h4><\/div><\/div><div class=\"wpb_wrapper wpb_text_column td_block_wrap td_block_wrap vc_column_text tdi_25  tagdiv-type td-pb-border-top td_block_template_8 tdc-no-posts\"  data-td-block-uid=\"tdi_25\" ><div class=\"td-fix-index\"><p style=\"text-align: justify;\">As the saying goes, there are no free lunches in this world; and the same statement can be said for tailor-made financial advice. This is because considerable amount of effort and time is required to understand your needs accurately, analyse through your information thoroughly, brainstorm and debate on possible solutions, and to perform a stress test and review on the planning outcome. If you rely on a sales-based model to carry out these tedious tasks for you, then there is a possibility that you will fall into the following sales trap.<\/p>\n<p style=\"text-align: justify;\">In the sales industry, there is a popular 10-3-1 sales formula. To explain, for every 10 calls that an agent makes, the agent is expected to secure at least 3 appointments. Next, out of the 3 appointments that the agent conducts, the agent is expected to make at least 1 sale. By and large, we ought to expect that 1 sale to cover the entire cost of conducting the 3 free appointments and the 10 calls that the agent has made earlier. Otherwise, if the agent continues to conduct free appointments and to do free work, then this is not going to be financially viable for the agent.<\/p>\n<p>Therefore, there is an inevitable pressure on the agent to sell more and\/or larger size premium products in order to cover his cost. As you would most probably agree, you won&#8217;t want to be that person who falls into the agent&#8217;s sales trap.<\/p>\n<\/div><\/div><div class=\"td_block_wrap td_block_title tdi_26 td-pb-border-top td_block_template_9 td-fix-index\"  data-td-block-uid=\"tdi_26\" >\n<style>\n.tdi_26 .td-block-title > * {\r\n                color: #143659 !important;\r\n            }\r\n\r\n            \r\n            .tdi_26 .td-block-title:after {\r\n                background-color: #f7d557 !important;\r\n            }\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_26{\nmargin-bottom:0px !important;\n}\n\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_26 .td-block-title a,\r\n\t\t\t\tbody .tdi_26 .td-block-title span{\r\n\t\t\t\t\tfont-weight:600 !important;letter-spacing:1px !important;\r\n\t\t\t\t}\n<\/style><div class=\"td-block-title-wrap\"><h4 class=\"td-block-title\"><span class=\"td-pulldown-size\">WHY CHOOSE AN INDEPENDENT FINANCIAL ADVISOR (IFA)<\/span><\/h4><\/div><\/div><div class=\"wpb_wrapper wpb_text_column td_block_wrap td_block_wrap vc_column_text tdi_27  tagdiv-type td-pb-border-top td_block_template_8 tdc-no-posts\"  data-td-block-uid=\"tdi_27\" ><div class=\"td-fix-index\"><p style=\"text-align: justify;\">As a matter of fact, an agent from a tied-distribution channel is able to propose products and services from that particular one insurer only. Consequently, this raises many eyebrows on whether that distributor is able to provide the best types of insurance policy in every single category. If so, won&#8217;t the market forces eliminate the other distributors already? If not, for the same dollar that you are paying, why do you want to shortchange yourself?<\/p>\n<p style=\"text-align: justify;\">Given that limitation, there are many Financial Advisory (FA) firms which are able to distribute products and services from multiple insurers. However, it is important to realise one clear distinction between these FA firms from one that is <em>independent<\/em>.<\/p>\n<p style=\"text-align: justify;\">According to one of the guidelines from MAS (FAA-G05) on the use of the term &#8220;Independent&#8221; by Financial Advisers,<\/p>\n<p style=\"text-align: justify;\"><em>&#8220;Only financial advisers which can clearly demonstrate that they <strong>do not have<\/strong> financial or commercial links with product providers that are capable of influencing their recommendations should use the term \u201cindependent\u201d.&#8221;<\/em><\/p>\n<p style=\"text-align: justify;\">Correspondingly, through an Independent Financial Advisory (IFA) firm, we strive to minimise conflict of interest by adhering to the strict regulations set forth by MAS. Therefore, you can be assured that my firm and I are strong advocates towards impartial financial advice and to provide you with a fair dealing outcome.<\/p>\n<\/div><\/div><div class=\"td_block_wrap td_block_title tdi_28 td-pb-border-top td_block_template_9 td-fix-index\"  data-td-block-uid=\"tdi_28\" >\n<style>\n.tdi_28 .td-block-title > * {\r\n                color: #143659 !important;\r\n            }\r\n\r\n            \r\n            .tdi_28 .td-block-title:after {\r\n                background-color: #f7d557 !important;\r\n            }\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_28{\nmargin-bottom:0px !important;\n}\n\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_28 .td-block-title a,\r\n\t\t\t\tbody .tdi_28 .td-block-title span{\r\n\t\t\t\t\tfont-weight:600 !important;letter-spacing:1px !important;\r\n\t\t\t\t}\n<\/style><div class=\"td-block-title-wrap\"><h4 class=\"td-block-title\"><span class=\"td-pulldown-size\">HOW DOES A FEE-BASED FINANCIAL ADVISORY PRACTICE WORK IN SINGAPORE<\/span><\/h4><\/div><\/div><div class=\"wpb_wrapper wpb_text_column td_block_wrap td_block_wrap vc_column_text tdi_29  tagdiv-type td-pb-border-top td_block_template_8 tdc-no-posts\"  data-td-block-uid=\"tdi_29\" ><div class=\"td-fix-index\"><p style=\"text-align: justify;\">Accordingly, in order to minimise conflict of interest and remove the inherent pressure to sell you products that you do not need, I set up a fee-based financial advisory practice. To this end, rather than to rely on a product sale to cover the cost of working for you (and for the other clients who didn&#8217;t purchase a product), I&#8217;m able to be fairly remunerated for the work that I do for you.<\/p>\n<p style=\"text-align: justify;\">By and large, the upfront fee that you pay correlates with the complexity of the work that I need to do for you. As a result, there is never a need for me to propose unsuitable products so that I can cover the cost of my effort and time to work for you (or for the other clients). Now, I can be honest to say that I really work for you!<\/p>\n<\/div><\/div><div class=\"td_block_wrap td_block_title tdi_30 td-pb-border-top td_block_template_9 td-fix-index\"  data-td-block-uid=\"tdi_30\" >\n<style>\n.tdi_30 .td-block-title > * {\r\n                color: #143659 !important;\r\n            }\r\n\r\n            \r\n            .tdi_30 .td-block-title:after {\r\n                background-color: #f7d557 !important;\r\n            }\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_30{\nmargin-bottom:0px !important;\n}\n\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_30 .td-block-title a,\r\n\t\t\t\tbody .tdi_30 .td-block-title span{\r\n\t\t\t\t\tfont-weight:600 !important;letter-spacing:1px !important;\r\n\t\t\t\t}\n<\/style><div class=\"td-block-title-wrap\"><h4 class=\"td-block-title\"><span class=\"td-pulldown-size\">IS A FEE-BASED FINANCIAL ADVISORY MODEL THE BEST FOR YOU<\/span><\/h4><\/div><\/div><div class=\"wpb_wrapper wpb_text_column td_block_wrap td_block_wrap vc_column_text tdi_31  tagdiv-type td-pb-border-top td_block_template_8 tdc-no-posts\"  data-td-block-uid=\"tdi_31\" >\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_31 a{\r\n\t\t\t        color: #4180b4;\r\n\t\t        }.tdi_31 a:hover{\r\n\t\t\t        color: #143659;\r\n\t\t        }\n<\/style><div class=\"td-fix-index\"><p style=\"text-align: justify;\">Given that everyone&#8217;s situation is unique, there isn&#8217;t a one-size-fits-all model for everyone. As a matter of fact, if your needs are simple, then you should not be paying a fee. Nevertheless, here are some groups of client who engage my service; i.e. those who<\/p>\n<ol style=\"text-align: justify;\">\n<li>Requires honest and independent advice that is free from any conflict of interest from any particular insurer or platform;<\/li>\n<li>Needs a comprehensive review of their existing insurance portfolio, and to vet through their insurance policy contract;<\/li>\n<li>Wants to gain clarity on their finances and to learn how to optimise their assets and cash flow;<\/li>\n<li>Prefers to have a deep analysis and comparison across multiple insurers and insurance policies to make an informed decision;<\/li>\n<li>Requires careful data-driven planning to work towards their financial goals like retirement.<\/li>\n<\/ol>\n<p style=\"text-align: justify;\">If you belong to any of the abovementioned categories or is curious to learn more about how I work with my clients, then I would invite you to <a href=\"https:\/\/www.pzl.sg\/advise\/contact\/\">get in touch with me<\/a>. As always, I do not charge for the first consultation.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div id=\"tdi_32\" class=\"tdc-row\"><div class=\"vc_row tdi_33  wpb_row td-pb-row\" >\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_33,\r\n                .tdi_33 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_33,\r\n\t\t\t\t.tdi_33 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_33 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_33:before,\r\n\t\t\t\t.tdi_33:after{\r\n\t\t\t\t    display: table;\r\n\t\t\t\t}\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_33{\njustify-content:center !important;\ntext-align:center !important;\n}\n\n.tdi_33 .td_block_wrap{ text-align:left }\n\n<\/style><div class=\"vc_column tdi_35  wpb_column vc_column_container tdc-column td-pb-span12\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_35{\r\n                    vertical-align: baseline;\r\n                }.tdi_35 > .wpb_wrapper,\r\n\t\t\t\t.tdi_35 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_35 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_35 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_35 > .wpb_wrapper{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t    height: auto;\r\n\t\t\t\t}\n<\/style><div class=\"wpb_wrapper\" ><div class=\"tdm_block td_block_wrap tdm_block_button tdi_36 tdm-block-button-inline tdm-content-horiz-left td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_36\"     >\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdm_block.tdm_block_button{\r\n                  margin-bottom: 0;\r\n                }.tdm_block.tdm_block_button .tds-button{\r\n                  line-height: 0;\r\n                }.tdm_block.tdm_block_button.tdm-block-button-inline{\r\n                  display: inline-block;\r\n                }.tdm_block.tdm_block_button.tdm-block-button-full,\r\n                .tdm_block.tdm_block_button.tdm-block-button-full .tdm-btn{\r\n                  display: block;\r\n                }\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_37{\r\n\t\t\t\t\tbackground-color: #7ca74e;\r\n\t\t\t\t}body .tdi_37:before{\r\n\t\t\t\t\tbackground-color: #143659;\r\n\t\t\t\t}body .tdi_37:hover:before{\r\n\t\t\t\t\topacity: 1;\r\n\t\t\t\t}.tdi_37,\r\n\t\t\t\t.tdi_37:before{\r\n\t\t\t\t\tborder-radius: 5px;\r\n\t\t\t\t}.tdi_37{\r\n\t\t\t\t\tletter-spacing:0.5px !important;\r\n\t\t\t\t}\n<\/style><div class=\"tds-button td-fix-index\"><a \r\n                href=\"https:\/\/www.pzl.sg\/advise\/process\/\" \r\n                 title=\"LEARN ABOUT OUR PROCESS\"\r\n                class=\"tds-button1 tdm-btn tdm-btn-lg tdi_37 \" ><span class=\"tdm-btn-text\">LEARN ABOUT OUR PROCESS<\/span><\/a><\/div><\/div><div class=\"wpb_wrapper td_block_empty_space td_block_wrap vc_empty_space tdi_39 \"  style=\"height: 50px\"><\/div><\/div><\/div><\/div><\/div><div id=\"tdi_40\" class=\"tdc-row\"><div class=\"vc_row tdi_41  wpb_row td-pb-row\" >\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_41,\r\n                .tdi_41 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_41,\r\n\t\t\t\t.tdi_41 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_41 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_41:before,\r\n\t\t\t\t.tdi_41:after{\r\n\t\t\t\t    display: table;\r\n\t\t\t\t}\n<\/style><div class=\"vc_column tdi_43  wpb_column vc_column_container tdc-column td-pb-span12\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_43{\r\n                    vertical-align: baseline;\r\n                }.tdi_43 > .wpb_wrapper,\r\n\t\t\t\t.tdi_43 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_43 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_43 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_43 > .wpb_wrapper{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t    height: auto;\r\n\t\t\t\t}\n<\/style><div class=\"wpb_wrapper\" ><div class=\"td_block_wrap td_block_title tdi_44 td-pb-border-top td_block_template_13 td-fix-index\"  data-td-block-uid=\"tdi_44\" >\n<style>\n.tdi_44 .td-block-title > a,\r\n            .tdi_44 .td-block-title > span {\r\n                color: #143659 !important;\r\n            }\r\n\r\n            \r\n            .tdi_44 .td-block-subtitle {\r\n                color: #f7f7f7 !important;\r\n            }\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_44 .td-block-title a,\r\n\t\t\t\tbody .tdi_44 .td-block-title span{\r\n\t\t\t\t\tline-height:1 !important;font-weight:500 !important;\r\n\t\t\t\t}\n<\/style><div class=\"td-block-title-wrap\"><h1 class=\"td-block-title\"><span>What I Believe In<\/span><div class=\"td-block-subtitle\">Values<\/div><\/h1><\/div><\/div><div class=\"vc_row_inner tdi_46  vc_row vc_inner wpb_row td-pb-row\" >\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_46{\r\n                    position: relative !important;\r\n                    top: 0;\r\n                    transform: none;\r\n                    -webkit-transform: none;\r\n                }.tdi_46,\r\n\t\t\t\t.tdi_46 .tdc-inner-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_46 .tdc-inner-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}\n<\/style><div class=\"vc_column_inner tdi_48  wpb_column vc_column_container tdc-inner-column td-pb-span4\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_48{\r\n                    vertical-align: baseline;\r\n                }.tdi_48 .vc_column-inner > .wpb_wrapper,\r\n\t\t\t\t.tdi_48 .vc_column-inner > .wpb_wrapper .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_48 .vc_column-inner > .wpb_wrapper .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}\n<\/style><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\" ><div class=\"tdm_block td_block_wrap tdm_block_column_title tdi_49 tdm-content-horiz-center td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_49\" >\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdm_block_column_title{\r\n                  margin-bottom: 0;\r\n                  display: inline-block;\r\n                  width: 100%;\r\n                }\n<\/style><div class=\"td-block-row\"><div class=\"td-block-span12 tdm-col\">\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_50 .tdm-title{\r\n\t\t\t\t\tcolor: #143659;\r\n\t\t\t\t}\n<\/style><div class=\"tds-title tds-title1 td-fix-index tdi_50 \"><h3 class=\"tdm-title tdm-title-sm\">AUTHENTICITY<\/h3><\/div><\/div><\/div><\/div><div class=\"wpb_wrapper wpb_text_column td_block_wrap td_block_wrap vc_column_text tdi_51  tagdiv-type td-pb-border-top td_block_template_8 tdc-no-posts\"  data-td-block-uid=\"tdi_51\" ><div class=\"td-fix-index\"><p style=\"text-align: justify;\">Building a genuine relationship is important to me and it begins with being open and honest with one another.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"vc_column_inner tdi_53  wpb_column vc_column_container tdc-inner-column td-pb-span4\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_53{\r\n                    vertical-align: baseline;\r\n                }.tdi_53 .vc_column-inner > .wpb_wrapper,\r\n\t\t\t\t.tdi_53 .vc_column-inner > .wpb_wrapper .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_53 .vc_column-inner > .wpb_wrapper .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}\n<\/style><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\" ><div class=\"tdm_block td_block_wrap tdm_block_column_title tdi_54 tdm-content-horiz-center td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_54\" ><div class=\"td-block-row\"><div class=\"td-block-span12 tdm-col\">\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_55 .tdm-title{\r\n\t\t\t\t\tcolor: #143659;\r\n\t\t\t\t}\n<\/style><div class=\"tds-title tds-title1 td-fix-index tdi_55 \"><h3 class=\"tdm-title tdm-title-sm\">COMMUNICATION<\/h3><\/div><\/div><\/div><\/div><div class=\"wpb_wrapper wpb_text_column td_block_wrap td_block_wrap vc_column_text tdi_56  tagdiv-type td-pb-border-top td_block_template_8 tdc-no-posts\"  data-td-block-uid=\"tdi_56\" ><div class=\"td-fix-index\"><p style=\"text-align: justify;\">Open communication helps us to align our expectation so that we won&#8217;t second-guess one another.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"vc_column_inner tdi_58  wpb_column vc_column_container tdc-inner-column td-pb-span4\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_58{\r\n                    vertical-align: baseline;\r\n                }.tdi_58 .vc_column-inner > .wpb_wrapper,\r\n\t\t\t\t.tdi_58 .vc_column-inner > .wpb_wrapper .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_58 .vc_column-inner > .wpb_wrapper .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}\n<\/style><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\" ><div class=\"tdm_block td_block_wrap tdm_block_column_title tdi_59 tdm-content-horiz-center td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_59\" ><div class=\"td-block-row\"><div class=\"td-block-span12 tdm-col\">\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_60 .tdm-title{\r\n\t\t\t\t\tcolor: #143659;\r\n\t\t\t\t}\n<\/style><div class=\"tds-title tds-title1 td-fix-index tdi_60 \"><h3 class=\"tdm-title tdm-title-sm\">GRATITUDE<\/h3><\/div><\/div><\/div><\/div><div class=\"wpb_wrapper wpb_text_column td_block_wrap td_block_wrap vc_column_text tdi_61  tagdiv-type td-pb-border-top td_block_template_8 tdc-no-posts\"  data-td-block-uid=\"tdi_61\" ><div class=\"td-fix-index\"><p style=\"text-align: justify;\">Be thankful for all the little things in life &#8211; that is what shapes us and makes us better.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_wrapper td_block_empty_space td_block_wrap vc_empty_space tdi_63 \"  style=\"height: 50px\"><\/div><\/div><\/div><\/div><\/div><div id=\"tdi_64\" class=\"tdc-row\"><div class=\"vc_row tdi_65  wpb_row td-pb-row\" >\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_65,\r\n                .tdi_65 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_65,\r\n\t\t\t\t.tdi_65 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_65 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_65:before,\r\n\t\t\t\t.tdi_65:after{\r\n\t\t\t\t    display: table;\r\n\t\t\t\t}\n<\/style><div class=\"vc_column tdi_67  wpb_column vc_column_container tdc-column td-pb-span12\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_67{\r\n                    vertical-align: baseline;\r\n                }.tdi_67 > .wpb_wrapper,\r\n\t\t\t\t.tdi_67 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_67 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_67 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_67 > .wpb_wrapper{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t    height: auto;\r\n\t\t\t\t}\n<\/style><div class=\"wpb_wrapper\" ><div class=\"td_block_wrap td_block_title tdi_68 td-pb-border-top td_block_template_13 td-fix-index\"  data-td-block-uid=\"tdi_68\" >\n<style>\n.tdi_68 .td-block-title > a,\r\n            .tdi_68 .td-block-title > span {\r\n                color: #143659 !important;\r\n            }\r\n\r\n            \r\n            .tdi_68 .td-block-subtitle {\r\n                color: #f7f7f7 !important;\r\n            }\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_68 .td-block-title a,\r\n\t\t\t\tbody .tdi_68 .td-block-title span{\r\n\t\t\t\t\tline-height:1 !important;font-weight:500 !important;\r\n\t\t\t\t}\n<\/style><div class=\"td-block-title-wrap\"><h1 class=\"td-block-title\"><span>What We Do<\/span><div class=\"td-block-subtitle\">Services<\/div><\/h1><\/div><\/div><div class=\"wpb_wrapper wpb_text_column td_block_wrap td_block_wrap vc_column_text tdi_69  tagdiv-type td-pb-border-top td_block_template_8 tdc-no-posts\"  data-td-block-uid=\"tdi_69\" ><div class=\"td-fix-index\"><p>I work with over 150 business partners to provide you with effective and affordable conflict-free solutions.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div id=\"tdi_70\" class=\"tdc-row\"><div class=\"vc_row tdi_71  wpb_row td-pb-row\" >\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_71,\r\n                .tdi_71 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_71,\r\n\t\t\t\t.tdi_71 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_71 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_71:before,\r\n\t\t\t\t.tdi_71:after{\r\n\t\t\t\t    display: table;\r\n\t\t\t\t}\n<\/style><div class=\"vc_column tdi_73  wpb_column vc_column_container tdc-column td-pb-span4\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_73{\r\n                    vertical-align: baseline;\r\n                }.tdi_73 > .wpb_wrapper,\r\n\t\t\t\t.tdi_73 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_73 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_73 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_73 > .wpb_wrapper{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t    height: auto;\r\n\t\t\t\t}\n<\/style><div class=\"wpb_wrapper\" ><div class=\"tdm_block td_block_wrap tdm_block_icon_box tdi_74 tdm-content-horiz-center tds_icon_box4_wrap td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_74\" >\n<style>\n\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_74{\nborder-color:rgba(0,0,0,0.15) !important;\nbox-shadow:3px 5px 3px rgba(0,0,0,0.15) !important;\nborder-style:solid !important;\nborder-width:0 !important;\n}\n\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tds_icon_box4_wrap{\r\n                  height: 300px;\r\n                  -webkit-transition: all 0.3s ease;\r\n                  transition: all 0.3s ease;\r\n                }.tds_icon_box4_wrap:after{\r\n                  content: '';\r\n                  position: absolute;\r\n                  width: 100%;\r\n                  height: 100%;\r\n                  top: 0;\r\n                  left: 0;\r\n                  -webkit-transition: all 0.3s ease;\r\n                  transition: all 0.3s ease;\r\n                }.tds_icon_box4_wrap .tds-icon-box4{\r\n                  position: absolute;\r\n                  display: block;\r\n                  top: 50%;\r\n                  left: 50%;\r\n                  width: 80%;\r\n                  -webkit-transform: translate(-50%, -50%);\r\n                  transform: translate(-50%, -50%);\r\n                  z-index: 1;\r\n                }.tds_icon_box4_wrap .icon_box_url_wrap{\r\n                  display: block;\r\n                  position: absolute;\r\n                  top: 0;\r\n                  left: 0;\r\n                  width: 100%;\r\n                  height: 100%;\r\n                }.tds_icon_box4_wrap:before{\r\n                  content: '';\r\n                  position: absolute;\r\n                  left: 0;\r\n                  bottom: 0;\r\n                  width: 100%;\r\n                  z-index: 1;\r\n                }.tds_icon_box4_wrap:hover{\r\n                  -webkit-transform: translateY(-10px);\r\n                  transform: translateY(-10px);\r\n                }.tdi_74{\r\n\t\t\t\t    height: 330px;\r\n\t\t\t\t}.tdi_75 .tds-title{\r\n\t\t\t\t    margin-top: 0px;\r\n\t\t\t\t\r\n\t\t\t\t    margin-bottom: -10px;\r\n\t\t\t\t}.tdi_75 .tdm-descr{\r\n\t\t\t\t    margin-bottom: 30px;\r\n\t\t\t\t}.tdi_74:before{\r\n\t\t\t\t    height: 3px;\r\n\t\t\t\t\r\n\t\t\t\t    background-color: rgba(0,0,0,0.01);\r\n\t\t\t\t}.tdi_74:after{\r\n\t\t\t\t    background-color: rgba(0,0,0,0.01);\r\n\t\t\t\t}\n<\/style><div class=\"tds-icon-box tds-icon-box4 td-fix-index tdi_75\">\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_76{\r\n\t\t\t\t    -webkit-transition: all 0.2s ease;\r\n                    -moz-transition: all 0.2s ease;\r\n                    -o-transition: all 0.2s ease;\r\n                    transition: all 0.2s ease;\r\n\t\t\t\t}.tdi_76:before{\r\n\t\t\t\t    -webkit-transition: all 0.2s ease;\r\n                    -moz-transition: all 0.2s ease;\r\n                    -o-transition: all 0.2s ease;\r\n                    transition: all 0.2s ease;\r\n\t\t\t\t}body .tdi_74:hover .tdi_76:before{\r\n\t\t\t\t\t-webkit-text-fill-color: unset;\r\n\t\t\t\t\tbackground: transparent;\r\n\t\t\t\t\ttransition: none;\r\n\t\t\t\t}body .tdi_74:hover .tdi_76 svg{\r\n\t\t\t\t    fill: @text_hover_color;\r\n\t\t\t\t}body .tdi_74:hover .tdi_76 svg *{\r\n\t\t\t\t    fill: inherit;\r\n\t\t\t\t}.tdi_74:hover .tdi_76:before{\r\n\t\t\t\t    color: eyJ0eXBlIjoiZ3JhZGllbnQiLCJjb2xvcjEiOiIjNDE4MGI0IiwiY29sb3IyIjoiIzQxODBiNCIsIm1peGVkQ29sb3JzIjpbXSwiZGVncmVlIjoiLTkwIiwiY3NzIjoiYmFja2dyb3VuZC1jb2xvcjogIzQxODBiNDsiLCJjc3NQYXJhbXMiOiIwZGVnLCM0MTgwYjQsIzQxODBiNCJ9;\r\n\t\t\t\t}.tdi_74:hover .tdi_76 svg{\r\n\t\t\t\t    fill: eyJ0eXBlIjoiZ3JhZGllbnQiLCJjb2xvcjEiOiIjNDE4MGI0IiwiY29sb3IyIjoiIzQxODBiNCIsIm1peGVkQ29sb3JzIjpbXSwiZGVncmVlIjoiLTkwIiwiY3NzIjoiYmFja2dyb3VuZC1jb2xvcjogIzQxODBiNDsiLCJjc3NQYXJhbXMiOiIwZGVnLCM0MTgwYjQsIzQxODBiNCJ9;\r\n\t\t\t\t}.tdi_74:hover .tdi_76 svg *{\r\n\t\t\t\t    fill: inherit;\r\n\t\t\t\t}\n\n\/* landscape *\/\n@media (min-width: 1019px) and (max-width: 1140px){\n\n}\n\n\/* portrait *\/\n@media (min-width: 768px) and (max-width: 1018px){\n\n}\n\n\/* phone *\/\n@media (max-width: 767px){\n\n}\n<\/style><i class=\"tds-icon tdc-font-tdmp tdc-font-tdmp-measure tdi_76 td-fix-index \"><\/i>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_77 .tdm-title{\r\n\t\t\t\t\tfont-size:24px !important;line-height:1.2 !important;\r\n\t\t\t\t}\n<\/style><div class=\"tds-title tds-title1 td-fix-index tdi_77 \"><h3 class=\"tdm-title tdm-title-md\">Review<\/h3><\/div><p class=\"tdm-descr\">Use quantitative techniques to identify your needs accurately<\/p><\/div><style>.tdm_block_icon_box .tds-icon-svg svg{\r\n\t\t\t        display: block;\r\n\t\t\t    }.tdm_block_icon_box .tdm-descr{\r\n                  font-size: 14px;\r\n                  line-height: 24px;\r\n                  -webkit-transition: color 0.2s ease;\r\n                  transition: color 0.2s ease;\r\n                }.tdi_74 .tds-icon-box .tds-icon{\r\n\t\t\t\t    font-size: 80px;\r\n\t\t\t\t    text-align: center;\r\n\t\t\t\t\r\n\t\t\t\t    width: 80px;\r\n\t\t\t\t    height: 80px;\r\n\t\t\t\t    line-height: 80px;\r\n\t\t\t\t}.tdi_74 .tds-icon-svg-wrap{\r\n\t\t\t\t    margin: 0 auto;\r\n\t\t\t\t}<\/style><\/div><\/div><\/div><div class=\"vc_column tdi_79  wpb_column vc_column_container tdc-column td-pb-span4\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_79{\r\n                    vertical-align: baseline;\r\n                }.tdi_79 > .wpb_wrapper,\r\n\t\t\t\t.tdi_79 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_79 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_79 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_79 > .wpb_wrapper{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t    height: auto;\r\n\t\t\t\t}\n<\/style><div class=\"wpb_wrapper\" ><div class=\"tdm_block td_block_wrap tdm_block_icon_box tdi_80 tdm-content-horiz-center tds_icon_box4_wrap td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_80\" >\n<style>\n\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_80{\nborder-color:rgba(0,0,0,0.15) !important;\nbox-shadow:3px 5px 3px rgba(0,0,0,0.15) !important;\nborder-style:solid !important;\nborder-width:0 !important;\n}\n\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_80{\r\n\t\t\t\t    height: 330px;\r\n\t\t\t\t}.tdi_81 .tds-title{\r\n\t\t\t\t    margin-top: 0px;\r\n\t\t\t\t\r\n\t\t\t\t    margin-bottom: -10px;\r\n\t\t\t\t}.tdi_81 .tdm-descr{\r\n\t\t\t\t    margin-bottom: 30px;\r\n\t\t\t\t}.tdi_80:before{\r\n\t\t\t\t    height: 3px;\r\n\t\t\t\t\r\n\t\t\t\t    background-color: rgba(0,0,0,0.01);\r\n\t\t\t\t}.tdi_80:after{\r\n\t\t\t\t    background-color: rgba(0,0,0,0.01);\r\n\t\t\t\t}\n<\/style><div class=\"tds-icon-box tds-icon-box4 td-fix-index tdi_81\">\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_82{\r\n\t\t\t\t    -webkit-transition: all 0.2s ease;\r\n                    -moz-transition: all 0.2s ease;\r\n                    -o-transition: all 0.2s ease;\r\n                    transition: all 0.2s ease;\r\n\t\t\t\t}.tdi_82:before{\r\n\t\t\t\t    -webkit-transition: all 0.2s ease;\r\n                    -moz-transition: all 0.2s ease;\r\n                    -o-transition: all 0.2s ease;\r\n                    transition: all 0.2s ease;\r\n\t\t\t\t}body .tdi_80:hover .tdi_82:before{\r\n\t\t\t\t\t-webkit-text-fill-color: unset;\r\n\t\t\t\t\tbackground: transparent;\r\n\t\t\t\t\ttransition: none;\r\n\t\t\t\t}body .tdi_80:hover .tdi_82 svg{\r\n\t\t\t\t    fill: @text_hover_color;\r\n\t\t\t\t}body .tdi_80:hover .tdi_82 svg *{\r\n\t\t\t\t    fill: inherit;\r\n\t\t\t\t}.tdi_80:hover .tdi_82:before{\r\n\t\t\t\t    color: eyJ0eXBlIjoiZ3JhZGllbnQiLCJjb2xvcjEiOiIjNDE4MGI0IiwiY29sb3IyIjoiIzQxODBiNCIsIm1peGVkQ29sb3JzIjpbXSwiZGVncmVlIjoiLTkwIiwiY3NzIjoiYmFja2dyb3VuZC1jb2xvcjogIzQxODBiNDsiLCJjc3NQYXJhbXMiOiIwZGVnLCM0MTgwYjQsIzQxODBiNCJ9;\r\n\t\t\t\t}.tdi_80:hover .tdi_82 svg{\r\n\t\t\t\t    fill: eyJ0eXBlIjoiZ3JhZGllbnQiLCJjb2xvcjEiOiIjNDE4MGI0IiwiY29sb3IyIjoiIzQxODBiNCIsIm1peGVkQ29sb3JzIjpbXSwiZGVncmVlIjoiLTkwIiwiY3NzIjoiYmFja2dyb3VuZC1jb2xvcjogIzQxODBiNDsiLCJjc3NQYXJhbXMiOiIwZGVnLCM0MTgwYjQsIzQxODBiNCJ9;\r\n\t\t\t\t}.tdi_80:hover .tdi_82 svg *{\r\n\t\t\t\t    fill: inherit;\r\n\t\t\t\t}\n\n\/* landscape *\/\n@media (min-width: 1019px) and (max-width: 1140px){\n\n}\n\n\/* portrait *\/\n@media (min-width: 768px) and (max-width: 1018px){\n\n}\n\n\/* phone *\/\n@media (max-width: 767px){\n\n}\n<\/style><i class=\"tds-icon tdc-font-tdmp tdc-font-tdmp-pulse tdi_82 td-fix-index \"><\/i>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_83 .tdm-title{\r\n\t\t\t\t\tfont-size:24px !important;line-height:1.2 !important;\r\n\t\t\t\t}\n<\/style><div class=\"tds-title tds-title1 td-fix-index tdi_83 \"><h3 class=\"tdm-title tdm-title-md\">Protect<\/h3><\/div><p class=\"tdm-descr\">Leverage on affordable insurance solutions to insure you adequately<\/p><\/div><style>.tdi_80 .tds-icon-box .tds-icon{\r\n\t\t\t\t    font-size: 80px;\r\n\t\t\t\t    text-align: center;\r\n\t\t\t\t\r\n\t\t\t\t    width: 80px;\r\n\t\t\t\t    height: 80px;\r\n\t\t\t\t    line-height: 80px;\r\n\t\t\t\t}.tdi_80 .tds-icon-svg-wrap{\r\n\t\t\t\t    margin: 0 auto;\r\n\t\t\t\t}<\/style><\/div><\/div><\/div><div class=\"vc_column tdi_85  wpb_column vc_column_container tdc-column td-pb-span4\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_85{\r\n                    vertical-align: baseline;\r\n                }.tdi_85 > .wpb_wrapper,\r\n\t\t\t\t.tdi_85 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_85 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_85 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_85 > .wpb_wrapper{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t    height: auto;\r\n\t\t\t\t}\n<\/style><div class=\"wpb_wrapper\" ><div class=\"tdm_block td_block_wrap tdm_block_icon_box tdi_86 tdm-content-horiz-center tds_icon_box4_wrap td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_86\" >\n<style>\n\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_86{\nborder-color:rgba(0,0,0,0.15) !important;\nbox-shadow:3px 5px 3px rgba(0,0,0,0.15) !important;\nborder-style:solid !important;\nborder-width:0 !important;\n}\n\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_86{\r\n\t\t\t\t    height: 330px;\r\n\t\t\t\t}.tdi_87 .tds-title{\r\n\t\t\t\t    margin-top: 0px;\r\n\t\t\t\t\r\n\t\t\t\t    margin-bottom: -10px;\r\n\t\t\t\t}.tdi_87 .tdm-descr{\r\n\t\t\t\t    margin-bottom: 30px;\r\n\t\t\t\t}.tdi_86:before{\r\n\t\t\t\t    height: 3px;\r\n\t\t\t\t\r\n\t\t\t\t    background-color: rgba(0,0,0,0.01);\r\n\t\t\t\t}.tdi_86:after{\r\n\t\t\t\t    background-color: rgba(0,0,0,0.01);\r\n\t\t\t\t}\n<\/style><div class=\"tds-icon-box tds-icon-box4 td-fix-index tdi_87\">\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_88{\r\n\t\t\t\t    -webkit-transition: all 0.2s ease;\r\n                    -moz-transition: all 0.2s ease;\r\n                    -o-transition: all 0.2s ease;\r\n                    transition: all 0.2s ease;\r\n\t\t\t\t}.tdi_88:before{\r\n\t\t\t\t    -webkit-transition: all 0.2s ease;\r\n                    -moz-transition: all 0.2s ease;\r\n                    -o-transition: all 0.2s ease;\r\n                    transition: all 0.2s ease;\r\n\t\t\t\t}body .tdi_86:hover .tdi_88:before{\r\n\t\t\t\t\t-webkit-text-fill-color: unset;\r\n\t\t\t\t\tbackground: transparent;\r\n\t\t\t\t\ttransition: none;\r\n\t\t\t\t}body .tdi_86:hover .tdi_88 svg{\r\n\t\t\t\t    fill: @text_hover_color;\r\n\t\t\t\t}body .tdi_86:hover .tdi_88 svg *{\r\n\t\t\t\t    fill: inherit;\r\n\t\t\t\t}.tdi_86:hover .tdi_88:before{\r\n\t\t\t\t    color: eyJ0eXBlIjoiZ3JhZGllbnQiLCJjb2xvcjEiOiIjNDE4MGI0IiwiY29sb3IyIjoiIzQxODBiNCIsIm1peGVkQ29sb3JzIjpbXSwiZGVncmVlIjoiLTkwIiwiY3NzIjoiYmFja2dyb3VuZC1jb2xvcjogIzQxODBiNDsiLCJjc3NQYXJhbXMiOiIwZGVnLCM0MTgwYjQsIzQxODBiNCJ9;\r\n\t\t\t\t}.tdi_86:hover .tdi_88 svg{\r\n\t\t\t\t    fill: eyJ0eXBlIjoiZ3JhZGllbnQiLCJjb2xvcjEiOiIjNDE4MGI0IiwiY29sb3IyIjoiIzQxODBiNCIsIm1peGVkQ29sb3JzIjpbXSwiZGVncmVlIjoiLTkwIiwiY3NzIjoiYmFja2dyb3VuZC1jb2xvcjogIzQxODBiNDsiLCJjc3NQYXJhbXMiOiIwZGVnLCM0MTgwYjQsIzQxODBiNCJ9;\r\n\t\t\t\t}.tdi_86:hover .tdi_88 svg *{\r\n\t\t\t\t    fill: inherit;\r\n\t\t\t\t}\n\n\/* landscape *\/\n@media (min-width: 1019px) and (max-width: 1140px){\n\n}\n\n\/* portrait *\/\n@media (min-width: 768px) and (max-width: 1018px){\n\n}\n\n\/* phone *\/\n@media (max-width: 767px){\n\n}\n<\/style><i class=\"tds-icon tdc-font-tdmp tdc-font-tdmp-spa-stones tdi_88 td-fix-index \"><\/i>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_89 .tdm-title{\r\n\t\t\t\t\tfont-size:24px !important;line-height:1.2 !important;\r\n\t\t\t\t}\n<\/style><div class=\"tds-title tds-title1 td-fix-index tdi_89 \"><h3 class=\"tdm-title tdm-title-md\">Grow<\/h3><\/div><p class=\"tdm-descr\">Deploy low-cost diversified portfolios to achieve your financial goals confidently<\/p><\/div><style>.tdi_86 .tds-icon-box .tds-icon{\r\n\t\t\t\t    font-size: 80px;\r\n\t\t\t\t    text-align: center;\r\n\t\t\t\t\r\n\t\t\t\t    width: 80px;\r\n\t\t\t\t    height: 80px;\r\n\t\t\t\t    line-height: 80px;\r\n\t\t\t\t}.tdi_86 .tds-icon-svg-wrap{\r\n\t\t\t\t    margin: 0 auto;\r\n\t\t\t\t}<\/style><\/div><\/div><\/div><\/div><\/div><div id=\"tdi_90\" class=\"tdc-row\"><div class=\"vc_row tdi_91  wpb_row td-pb-row\" >\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_91,\r\n                .tdi_91 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_91,\r\n\t\t\t\t.tdi_91 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_91 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_91:before,\r\n\t\t\t\t.tdi_91:after{\r\n\t\t\t\t    display: table;\r\n\t\t\t\t}\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_91{\njustify-content:center !important;\ntext-align:center !important;\n}\n\n.tdi_91 .td_block_wrap{ text-align:left }\n\n<\/style><div class=\"vc_column tdi_93  wpb_column vc_column_container tdc-column td-pb-span12\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_93{\r\n                    vertical-align: baseline;\r\n                }.tdi_93 > .wpb_wrapper,\r\n\t\t\t\t.tdi_93 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_93 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_93 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_93 > .wpb_wrapper{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t    height: auto;\r\n\t\t\t\t}\n<\/style><div class=\"wpb_wrapper\" ><div class=\"tdm_block td_block_wrap tdm_block_button tdi_94 tdm-block-button-inline tdm-content-horiz-left td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_94\"     >\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_95{\r\n\t\t\t\t\tbackground-color: #7ca74e;\r\n\t\t\t\t}body .tdi_95:before{\r\n\t\t\t\t\tbackground-color: #143659;\r\n\t\t\t\t}body .tdi_95:hover:before{\r\n\t\t\t\t\topacity: 1;\r\n\t\t\t\t}.tdi_95,\r\n\t\t\t\t.tdi_95:before{\r\n\t\t\t\t\tborder-radius: 5px;\r\n\t\t\t\t}.tdi_95{\r\n\t\t\t\t\tletter-spacing:0.5px !important;\r\n\t\t\t\t}\n<\/style><div class=\"tds-button td-fix-index\"><a \r\n                href=\"https:\/\/www.pzl.sg\/advise\/contact\/\" \r\n                 title=\"START PLANNING TODAY!\"\r\n                class=\"tds-button1 tdm-btn tdm-btn-lg tdi_95 \" ><span class=\"tdm-btn-text\">START PLANNING TODAY!<\/span><\/a><\/div><\/div><div class=\"wpb_wrapper td_block_empty_space td_block_wrap vc_empty_space tdi_97 \"  style=\"height: 50px\"><\/div><\/div><\/div><\/div><\/div><div id=\"tdi_98\" class=\"tdc-row\"><div class=\"vc_row tdi_99  wpb_row td-pb-row\" >\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_99,\r\n                .tdi_99 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_99,\r\n\t\t\t\t.tdi_99 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_99 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_99:before,\r\n\t\t\t\t.tdi_99:after{\r\n\t\t\t\t    display: table;\r\n\t\t\t\t}\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_99{\nmargin-top:30px !important;\npadding-top:10px !important;\n}\n\n.tdi_99 .td_block_wrap{ text-align:left }\n\n<\/style><div class=\"vc_column tdi_101  wpb_column vc_column_container tdc-column td-pb-span12\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_101{\r\n                    vertical-align: baseline;\r\n                }.tdi_101 > .wpb_wrapper,\r\n\t\t\t\t.tdi_101 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_101 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_101 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_101 > .wpb_wrapper{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t    height: auto;\r\n\t\t\t\t}\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_101{\njustify-content:center !important;\ntext-align:center !important;\n}\n\n<\/style><div class=\"wpb_wrapper\" ><div class=\"tdm_block td_block_wrap tdm_block_client tdi_102 tdm-inline-block tdm-content-horiz-center td-animation-stack td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_102\" >\n<style>\n\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_102{\npadding-right:50px !important;\npadding-left:50px !important;\n}\n\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdm_block_client .tdm-client-name{\r\n                  margin-bottom: 13px;\r\n                  font-size: 15px;\r\n                  line-height: 17px;\r\n                }.tdm_block_client .tdm-client-image{\r\n                  -webkit-transition: all 0.4s;\r\n                  transition: all 0.4s;\r\n                }.tdi_102 .tdm-client-image{\r\n\t\t\t\t    opacity: 0.5;\r\n\t\t\t\t}.tdi_102:hover .tdm-client-image{\r\n\t\t\t\t    opacity: 1;\r\n\t\t\t\t}\n<\/style><img class=\"tdm-client-image td-lazy-img td-fix-index\" data-type=\"image_tag\" data-img-url=\"https:\/\/www.pzl.sg\/advise\/wp-content\/uploads\/2021\/05\/logo_mdrt1.png\"  title=\"logo_mdrt1\" alt=\"client-image\" width=\"227\" height=\"90\"><\/div><div class=\"tdm_block td_block_wrap tdm_block_client tdi_103 tdm-inline-block tdm-content-horiz-center td-animation-stack td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_103\" >\n<style>\n\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_103{\npadding-right:50px !important;\npadding-left:50px !important;\n}\n\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_103 .tdm-client-image{\r\n\t\t\t\t    opacity: 0.5;\r\n\t\t\t\t}.tdi_103:hover .tdm-client-image{\r\n\t\t\t\t    opacity: 1;\r\n\t\t\t\t}\n<\/style><img class=\"tdm-client-image td-lazy-img td-fix-index\" data-type=\"image_tag\" data-img-url=\"https:\/\/www.pzl.sg\/advise\/wp-content\/uploads\/2021\/05\/logo_fpas2.png\"  title=\"logo_fpas2\" alt=\"client-image\" width=\"138\" height=\"90\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2576","page","type-page","status-publish"],"yoast_head":"<title>Philosophy - PZL Advise | Singapore<\/title>\n<meta name=\"description\" content=\"Pang Zhe Liang is a trusted Fee-Based Financial Adviser that specialises in comprehensive financial planning. Get honest advice today.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pzl.sg\/advise\/philosophy\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Philosophy - PZL Advise | Singapore\" \/>\n<meta property=\"og:description\" content=\"Pang Zhe Liang is a trusted Fee-Based Financial Adviser that specialises in comprehensive financial planning. Get honest advice today.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pzl.sg\/advise\/philosophy\/\" \/>\n<meta property=\"og:site_name\" content=\"PZL Advise | Singapore\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/pzladvise\" \/>\n<meta property=\"article:modified_time\" content=\"2024-05-16T02:17:06+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@workwithpzl\" \/>\n<meta name=\"twitter:label1\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"11 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.pzl.sg\\\/advise\\\/philosophy\\\/\",\"url\":\"https:\\\/\\\/www.pzl.sg\\\/advise\\\/philosophy\\\/\",\"name\":\"Philosophy - PZL Advise | Singapore\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.pzl.sg\\\/advise\\\/#website\"},\"datePublished\":\"2024-02-22T08:05:32+00:00\",\"dateModified\":\"2024-05-16T02:17:06+00:00\",\"description\":\"Pang Zhe Liang is a trusted Fee-Based Financial Adviser that specialises in comprehensive financial planning. Get honest advice today.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.pzl.sg\\\/advise\\\/philosophy\\\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.pzl.sg\\\/advise\\\/philosophy\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.pzl.sg\\\/advise\\\/philosophy\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.pzl.sg\\\/advise\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Philosophy\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.pzl.sg\\\/advise\\\/#website\",\"url\":\"https:\\\/\\\/www.pzl.sg\\\/advise\\\/\",\"name\":\"PZL Advise | Singapore\",\"description\":\"Responsible Financial Advisory Services\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.pzl.sg\\\/advise\\\/#\\\/schema\\\/person\\\/41c5dff933b61d0a8f85bc1bac0cdc3f\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.pzl.sg\\\/advise\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":[\"Person\",\"Organization\"],\"@id\":\"https:\\\/\\\/www.pzl.sg\\\/advise\\\/#\\\/schema\\\/person\\\/41c5dff933b61d0a8f85bc1bac0cdc3f\",\"name\":\"Zhe Liang\",\"logo\":{\"@id\":\"https:\\\/\\\/www.pzl.sg\\\/advise\\\/#\\\/schema\\\/person\\\/image\\\/\"},\"description\":\"Zhe Liang is an established veteran in the financial services and estate planning industry. During his free time, he enjoys photography and filmmaking. Follow him on Instagram and Facebook Page to know more about him.\",\"sameAs\":[\"https:\\\/\\\/www.pzl.sg\\\/\",\"https:\\\/\\\/www.facebook.com\\\/pzladvise\",\"https:\\\/\\\/www.instagram.com\\\/pzlsg\",\"https:\\\/\\\/www.linkedin.com\\\/in\\\/zheliang\",\"https:\\\/\\\/x.com\\\/workwithpzl\"]}]}<\/script>","yoast_head_json":{"title":"Philosophy - PZL Advise | Singapore","description":"Pang Zhe Liang is a trusted Fee-Based Financial Adviser that specialises in comprehensive financial planning. Get honest advice today.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.pzl.sg\/advise\/philosophy\/","og_locale":"en_GB","og_type":"article","og_title":"Philosophy - PZL Advise | Singapore","og_description":"Pang Zhe Liang is a trusted Fee-Based Financial Adviser that specialises in comprehensive financial planning. Get honest advice today.","og_url":"https:\/\/www.pzl.sg\/advise\/philosophy\/","og_site_name":"PZL Advise | Singapore","article_publisher":"https:\/\/www.facebook.com\/pzladvise","article_modified_time":"2024-05-16T02:17:06+00:00","twitter_card":"summary_large_image","twitter_site":"@workwithpzl","twitter_misc":{"Estimated reading time":"11 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.pzl.sg\/advise\/philosophy\/","url":"https:\/\/www.pzl.sg\/advise\/philosophy\/","name":"Philosophy - PZL Advise | Singapore","isPartOf":{"@id":"https:\/\/www.pzl.sg\/advise\/#website"},"datePublished":"2024-02-22T08:05:32+00:00","dateModified":"2024-05-16T02:17:06+00:00","description":"Pang Zhe Liang is a trusted Fee-Based Financial Adviser that specialises in comprehensive financial planning. Get honest advice today.","breadcrumb":{"@id":"https:\/\/www.pzl.sg\/advise\/philosophy\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.pzl.sg\/advise\/philosophy\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.pzl.sg\/advise\/philosophy\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.pzl.sg\/advise\/"},{"@type":"ListItem","position":2,"name":"Philosophy"}]},{"@type":"WebSite","@id":"https:\/\/www.pzl.sg\/advise\/#website","url":"https:\/\/www.pzl.sg\/advise\/","name":"PZL Advise | Singapore","description":"Responsible Financial Advisory Services","publisher":{"@id":"https:\/\/www.pzl.sg\/advise\/#\/schema\/person\/41c5dff933b61d0a8f85bc1bac0cdc3f"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.pzl.sg\/advise\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":["Person","Organization"],"@id":"https:\/\/www.pzl.sg\/advise\/#\/schema\/person\/41c5dff933b61d0a8f85bc1bac0cdc3f","name":"Zhe Liang","logo":{"@id":"https:\/\/www.pzl.sg\/advise\/#\/schema\/person\/image\/"},"description":"Zhe Liang is an established veteran in the financial services and estate planning industry. During his free time, he enjoys photography and filmmaking. Follow him on Instagram and Facebook Page to know more about him.","sameAs":["https:\/\/www.pzl.sg\/","https:\/\/www.facebook.com\/pzladvise","https:\/\/www.instagram.com\/pzlsg","https:\/\/www.linkedin.com\/in\/zheliang","https:\/\/x.com\/workwithpzl"]}]}},"_links":{"self":[{"href":"https:\/\/www.pzl.sg\/advise\/wp-json\/wp\/v2\/pages\/2576","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.pzl.sg\/advise\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.pzl.sg\/advise\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.pzl.sg\/advise\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pzl.sg\/advise\/wp-json\/wp\/v2\/comments?post=2576"}],"version-history":[{"count":10,"href":"https:\/\/www.pzl.sg\/advise\/wp-json\/wp\/v2\/pages\/2576\/revisions"}],"predecessor-version":[{"id":2722,"href":"https:\/\/www.pzl.sg\/advise\/wp-json\/wp\/v2\/pages\/2576\/revisions\/2722"}],"wp:attachment":[{"href":"https:\/\/www.pzl.sg\/advise\/wp-json\/wp\/v2\/media?parent=2576"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}