{"id":430,"date":"2018-11-09T08:00:39","date_gmt":"2018-11-09T00:00:39","guid":{"rendered":"http:\/\/cdn.jevelin.shufflehound.com\/landing\/?page_id=430"},"modified":"2025-11-24T16:18:53","modified_gmt":"2025-11-24T08:18:53","slug":"work","status":"publish","type":"page","link":"https:\/\/www.pzl.sg\/advise\/","title":{"rendered":"Advise"},"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 tdc-row-content-vert-center\" >\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}@media (min-width: 767px) {\r\n                    .tdi_10.tdc-row-content-vert-center,\r\n                    .tdi_10.tdc-row-content-vert-center .tdc-columns {\r\n                        display: flex;\r\n                        align-items: center;\r\n                        flex: 1;\r\n                    }\r\n                    .tdi_10.tdc-row-content-vert-bottom,\r\n                    .tdi_10.tdc-row-content-vert-bottom .tdc-columns {\r\n                        display: flex;\r\n                        align-items: flex-end;\r\n                        flex: 1;\r\n                    }\r\n                    .tdi_10.tdc-row-content-vert-center .td_block_wrap {\r\n                        vertical-align: middle;\r\n                    }\r\n                    .tdi_10.tdc-row-content-vert-bottom .td_block_wrap {\r\n                        vertical-align: bottom;\r\n                    }\r\n                }\n<\/style><div class=\"vc_column tdi_12  wpb_column vc_column_container tdc-column td-pb-span7\">\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\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_12{\npadding-bottom:0px !important;\n}\n\n<\/style><div class=\"wpb_wrapper\" ><div class=\"tdm_block td_block_wrap tdm_block_column_title tdi_13 tdm-content-horiz-left td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_13\" >\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 *\/\n.tdi_14 .tdm-title-line{\r\n\t\t\t\t\twidth: 0px;\r\n\t\t\t\t\r\n\t\t\t\t\theight: 0px;\r\n\t\t\t\t}.tdi_14 .tdm-title-line:after{\r\n\t\t\t\t\theight: 1px;\r\n\t\t\t\t\r\n\t\t\t\t\tbottom: 0%;\r\n\t\t\t\t}.tdi_14 .tdm-title-sub{\r\n\t\t\t\t\tmargin-bottom: -10px;\r\n\t\t\t\t\r\n\t\t\t\t\tletter-spacing:0.5px !important;\r\n\t\t\t\t}body .tdi_14 .tdm-title-sub{\r\n\t\t\t\t\tcolor: #9e9e9e;\r\n\t\t\t\t}.tdi_14 .tdm-title{\r\n\t\t\t\t\tfont-family:Noto Serif !important;font-weight:400 !important;\r\n\t\t\t\t}\n<\/style><div class=\"tds-title tds-title3 tdm-subtitle-above td-fix-index tdi_14 \"><div class=\"tdm-title-sub\">FINANCIAL ADVISORY MANAGER<\/div><div class=\"tdm-title-line\"><\/div><h3 class=\"tdm-title tdm-title-bg\">Pang Zhe Liang<\/h3><\/div><\/div><\/div><\/div><div class=\"tdm_block td_block_wrap tdm_block_inline_text tdi_15 tdm-inline-block td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_15\" >\n<style>\n\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_15{\nmargin-top:-25px !important;\n}\n\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdm_block.tdm_block_inline_text{\r\n                  margin-bottom: 0;\r\n                  vertical-align: top;\r\n                }.tdm_block.tdm_block_inline_text .tdm-descr{\r\n                  margin-bottom: 0;\r\n                  -webkit-transform: translateZ(0);\r\n                  transform: translateZ(0);\r\n                }.tdc-row-content-vert-center .tdm-inline-text-yes{\r\n                  vertical-align: middle;\r\n                }.tdc-row-content-vert-bottom .tdm-inline-text-yes{\r\n                  vertical-align: bottom;\r\n                }.tdi_15{\r\n                    text-align: left !important;\r\n                }\n<\/style><p class=\"tdm-descr\">BSc. Math (Hons), AFP<sup>CM<\/sup>, IBFQ<\/p><\/div><div class=\"wpb_wrapper wpb_text_column td_block_wrap td_block_wrap vc_column_text tdi_16  tagdiv-type td-pb-border-top td_block_template_8 tdc-no-posts\"  data-td-block-uid=\"tdi_16\" >\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}.tdi_16 a{\r\n\t\t\t        color: #4180b4;\r\n\t\t        }.tdi_16 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;\">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&#8217;s goals.<\/p>\n<p style=\"text-align: justify;\">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.<\/p>\n<p style=\"text-align: justify;\">During his free time, Zhe Liang helps Singaporeans make better financial decisions by answering burning questions on popular personal finance platform, Seedly. Additionally, <a href=\"https:\/\/www.pzl.sg\/blog\/\">Zhe Liang owns a blog<\/a> 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.<\/p>\n<\/div><\/div><div class=\"wpb_wrapper td_block_wrap vc_raw_html tdi_18 \">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_18{\nmargin-top:- !important;\n}\n\n\/* desktop *\/ @media(min-width: 1141px) { .tdi_18 { \ndisplay:inline !important;\n} }\n\n<\/style><div class=\"td-fix-index\"><div id=\"tarvee-linked-embed\" data-fid=\"U7Rj7oigm9R-Klw4cokzxRA8mrZCfWSB\" data-token=\"Ef7jSFW8CHyf4_Dt-58_7UXXNv4kLE4ndnd6yYh2pmLD4T5EgL8O6A!!\">\n  <script src=\"https:\/\/cdn.trvt.io\/resource\/form\/tarvee-linked-embed-v2.js\" onload=\"tarveeInitForm('Ef7jSFW8CHyf4_Dt-58_7UXXNv4kLE4ndnd6yYh2pmLD4T5EgL8O6A!!', this)\" type=\"text\/javascript\"><\/script>\n<\/div><\/div><\/div><\/div><\/div><div class=\"vc_column tdi_20  wpb_column vc_column_container tdc-column td-pb-span5\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_20{\r\n                    vertical-align: baseline;\r\n                }.tdi_20 > .wpb_wrapper,\r\n\t\t\t\t.tdi_20 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_20 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_20 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_20 > .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_single_image td_block_wrap  td-animation-stack td_block_wrap vc_single_image tdi_21  td-single-image- td-pb-border-top td_block_template_8 tdc-no-posts \"  data-td-block-uid=\"tdi_21\"><span \r\n                            class=\"td_single_image_bg td-lazy-img\" \r\n                            data-type=\"css_image\" \r\n                            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.td-single-image-style-bordered-shadow,\r\n                .td-single-image-style-round-outline,\r\n                .td-single-image-style-round-border-shadow,\r\n                .td-single-image-style-circle-outline,\r\n                .td-single-image-style-circle-border-shadow{\r\n                  margin-bottom: 22px;\r\n                  background-color: #EBEBEB;\r\n                }.td-single-image-style-border,\r\n                .td-single-image-style-round-border,\r\n                .td-single-image-style-circle-border{\r\n                  padding: 6px;\r\n                }.td-single-image-style-outline,\r\n                .td-single-image-style-bordered-shadow,\r\n                .td-single-image-style-round-outline,\r\n                .td-single-image-style-round-border-shadow,\r\n                .td-single-image-style-circle-outline,\r\n                .td-single-image-style-circle-border-shadow{\r\n                  padding: 1px;\r\n                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0;\r\n                }.td-single-image-style-3d-shadow:after{\r\n                  left: 50%;\r\n                  right: 5px;\r\n                  -webkit-transform: skewY(6deg);\r\n                  transform: skewY(6deg);\r\n                  -webkit-transform-origin: 100% 0;\r\n                  transform-origin: 100% 0;\r\n                }.td-single-image-style-3d-shadow .td_single_image_bg{\r\n                  z-index: 1;\r\n                }.td-single-image-style-round,\r\n                .td-single-image-style-round-border,\r\n                .td-single-image-style-round-outline,\r\n                .td-single-image-style-round-shadow,\r\n                .td-single-image-style-round-border-shadow,\r\n                .td-single-image-style-circle,\r\n                .td-single-image-style-circle-border,\r\n                .td-single-image-style-circle-outline,\r\n                .td-single-image-style-circle-shadow,\r\n                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.td_single_image_bg:after,\r\n                .td-single-image-style-round-border-shadow .td_single_image_bg:after,\r\n                .td-single-image-style-circle .td_single_image_bg:after,\r\n                .td-single-image-style-circle-border .td_single_image_bg:after,\r\n                .td-single-image-style-circle-outline .td_single_image_bg:after,\r\n                .td-single-image-style-circle-shadow .td_single_image_bg:after,\r\n                .td-single-image-style-circle-border-shadow .td_single_image_bg:after{\r\n                  border-radius: 50%;\r\n                }.td-single-image-style-round-outline .td_single_image_bg:before,\r\n                .td-single-image-style-round-border-shadow .td_single_image_bg:before,\r\n                .td-single-image-style-circle-outline .td_single_image_bg:before,\r\n                .td-single-image-style-circle-border-shadow .td_single_image_bg:before,\r\n                .td-single-image-style-round-outline .td_single_image_bg:before:before,\r\n                .td-single-image-style-round-border-shadow .td_single_image_bg:before:before,\r\n                .td-single-image-style-circle-outline .td_single_image_bg:before:before,\r\n                .td-single-image-style-circle-border-shadow .td_single_image_bg:before:before,\r\n                .td-single-image-style-round-outline .td_single_image_bg:after:before,\r\n                .td-single-image-style-round-border-shadow .td_single_image_bg:after:before,\r\n                .td-single-image-style-circle-outline .td_single_image_bg:after:before,\r\n                .td-single-image-style-circle-border-shadow .td_single_image_bg:after:before,\r\n                .td-single-image-style-round-outline .td_single_image_bg:after,\r\n                .td-single-image-style-round-border-shadow .td_single_image_bg:after,\r\n                .td-single-image-style-circle-outline .td_single_image_bg:after,\r\n                .td-single-image-style-circle-border-shadow .td_single_image_bg:after,\r\n                .td-single-image-style-round-outline .td_single_image_bg:before:after,\r\n                .td-single-image-style-round-border-shadow .td_single_image_bg:before:after,\r\n                .td-single-image-style-circle-outline .td_single_image_bg:before:after,\r\n                .td-single-image-style-circle-border-shadow .td_single_image_bg:before:after,\r\n                .td-single-image-style-round-outline .td_single_image_bg:after:after,\r\n                .td-single-image-style-round-border-shadow .td_single_image_bg:after:after,\r\n                .td-single-image-style-circle-outline .td_single_image_bg:after:after,\r\n                .td-single-image-style-circle-border-shadow .td_single_image_bg:after:after{\r\n                  border-radius: 50%;\r\n                }.td-single-image-style-circle .td_single_image_bg,\r\n                .td-single-image-style-circle-border .td_single_image_bg,\r\n                .td-single-image-style-circle-outline .td_single_image_bg,\r\n                .td-single-image-style-circle-shadow .td_single_image_bg,\r\n                .td-single-image-style-circle-border-shadow .td_single_image_bg{\r\n                  height: 0;\r\n                  padding-bottom: 100%;\r\n                }.vc_single_image .td_single_image_bg{\r\n                  width: 100%;\r\n                  display: block;\r\n                  background-size: cover;\r\n                }.tdi_21 .td_single_image_bg{\r\n\t\t\t\t\theight: 400px;\r\n\t\t\t\t\tpadding-bottom: 0;\r\n\t\t\t\t\r\n                background-repeat: no-repeat;\r\n\t\t\t\t\r\n                background-position: center top;\r\n\t\t\t\t}body .tdi_21 .td_single_image_bg{\r\n\t\t\t\tbackground-size: auto 100%;\r\n\t\t\t\t}.tdi_21:hover .td_single_image_bg:before{\r\n                    opacity: 0;\r\n                }@media (max-width: 767px) {\r\n                  .td-stretch-content .td_block_single_image {\r\n                    margin-right: -20px;\r\n                    margin-left: -20px;\r\n                  }\r\n                }@media (max-width: 767px) {\r\n                  .td-single-image-style-border,\r\n                  .td-single-image-style-round-border,\r\n                  .td-single-image-style-circle-border,\r\n                  .td-single-image-style-outline,\r\n                  .td-single-image-style-bordered-shadow,\r\n                  .td-single-image-style-round-outline,\r\n                  .td-single-image-style-round-border-shadow,\r\n                  .td-single-image-style-circle-outline,\r\n                  .td-single-image-style-circle-border-shadow {\r\n                    margin-bottom: 32px;\r\n                  }\r\n                }\n<\/style><\/div><\/div><\/div><\/div><\/div><div id=\"tdi_22\" class=\"tdc-row\"><div class=\"vc_row tdi_23  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_23,\r\n                .tdi_23 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_23,\r\n\t\t\t\t.tdi_23 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_23 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_23:before,\r\n\t\t\t\t.tdi_23: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_23{\njustify-content:center !important;\ntext-align:center !important;\n}\n\n.tdi_23 .td_block_wrap{ text-align:left }\n\n<\/style><div class=\"vc_column tdi_25  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_25{\r\n                    vertical-align: baseline;\r\n                }.tdi_25 > .wpb_wrapper,\r\n\t\t\t\t.tdi_25 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_25 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_25 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_25 > .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_27 \"  style=\"height: 32px\"><\/div><div class=\"tdm_block td_block_wrap tdm_block_icon tdi_28 tdm-content-horiz-left td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_28\"   >\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdm_block_icon.tdm_block{\r\n                  margin-bottom: 0;\r\n                }.tds-icon{\r\n                  position: relative;\r\n                }.tds-icon:after{\r\n                  content: '';\r\n                  width: 100%;\r\n                  height: 100%;\r\n                  left: 0;\r\n                  top: 0;\r\n                  position: absolute;\r\n                  z-index: -1;\r\n                  opacity: 0;\r\n                  -webkit-transition: opacity 0.3s ease;\r\n                  transition: opacity 0.3s ease;\r\n                }.tds-icon svg{\r\n                  display: block;\r\n                }.tdi_28 i{\r\n\t\t\t\t    font-size: 30px;\r\n\t\t\t\t    text-align: center;\r\n\t\t\t\t\r\n\t\t\t\t    width: 48px;\r\n\t\t\t\t    height: 48px;\r\n\t\t\t\t    line-height: 48px;\r\n\t\t\t\t}.tdi_28 i,\r\n\t\t\t\t.tdi_28 .tds-icon-svg-wrap{\r\n\t\t\t\t    position: relative;\r\n\t\t\t\t    top: 0px;\r\n\t\t\t\t}.tdi_28{\r\n\t\t\t\t    display: inline-block;\r\n\t\t\t\t}\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_29{\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_29: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\r\n\t\t\t\t\tbackground-color: #f4b33f;\r\n\t\t\t\t\t-webkit-background-clip: text;\r\n\t\t\t\t\t-webkit-text-fill-color: transparent;\r\n\t\t\t\t}html[class*='ie'] .tdi_29:before{\r\n\t\t\t\t    background: none;\r\n\t\t\t\t\tcolor: #f4b33f;\r\n\t\t\t\t}.tdi_29 svg{\r\n\t\t\t\t    fill: #f4b33f;\r\n\t\t\t\t}.tdi_29 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-fa tdc-font-fa-star tdi_29 td-fix-index \"><\/i><\/div><div class=\"tdm_block td_block_wrap tdm_block_icon tdi_30 tdm-content-horiz-left td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_30\"   >\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_30 i{\r\n\t\t\t\t    font-size: 30px;\r\n\t\t\t\t    text-align: center;\r\n\t\t\t\t\r\n\t\t\t\t    width: 48px;\r\n\t\t\t\t    height: 48px;\r\n\t\t\t\t    line-height: 48px;\r\n\t\t\t\t}.tdi_30 i,\r\n\t\t\t\t.tdi_30 .tds-icon-svg-wrap{\r\n\t\t\t\t    position: relative;\r\n\t\t\t\t    top: 0px;\r\n\t\t\t\t}.tdi_30{\r\n\t\t\t\t    display: inline-block;\r\n\t\t\t\t}\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_31{\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_31: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\r\n\t\t\t\t\tbackground-color: #f4b33f;\r\n\t\t\t\t\t-webkit-background-clip: text;\r\n\t\t\t\t\t-webkit-text-fill-color: transparent;\r\n\t\t\t\t}html[class*='ie'] .tdi_31:before{\r\n\t\t\t\t    background: none;\r\n\t\t\t\t\tcolor: #f4b33f;\r\n\t\t\t\t}.tdi_31 svg{\r\n\t\t\t\t    fill: #f4b33f;\r\n\t\t\t\t}.tdi_31 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-fa tdc-font-fa-star tdi_31 td-fix-index \"><\/i><\/div><div class=\"tdm_block td_block_wrap tdm_block_icon tdi_32 tdm-content-horiz-left td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_32\"   >\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_32 i{\r\n\t\t\t\t    font-size: 30px;\r\n\t\t\t\t    text-align: center;\r\n\t\t\t\t\r\n\t\t\t\t    width: 48px;\r\n\t\t\t\t    height: 48px;\r\n\t\t\t\t    line-height: 48px;\r\n\t\t\t\t}.tdi_32 i,\r\n\t\t\t\t.tdi_32 .tds-icon-svg-wrap{\r\n\t\t\t\t    position: relative;\r\n\t\t\t\t    top: 0px;\r\n\t\t\t\t}.tdi_32{\r\n\t\t\t\t    display: inline-block;\r\n\t\t\t\t}\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_33{\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_33: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\r\n\t\t\t\t\tbackground-color: #f4b33f;\r\n\t\t\t\t\t-webkit-background-clip: text;\r\n\t\t\t\t\t-webkit-text-fill-color: transparent;\r\n\t\t\t\t}html[class*='ie'] .tdi_33:before{\r\n\t\t\t\t    background: none;\r\n\t\t\t\t\tcolor: #f4b33f;\r\n\t\t\t\t}.tdi_33 svg{\r\n\t\t\t\t    fill: #f4b33f;\r\n\t\t\t\t}.tdi_33 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-fa tdc-font-fa-star tdi_33 td-fix-index \"><\/i><\/div><div class=\"tdm_block td_block_wrap tdm_block_icon tdi_34 tdm-content-horiz-left td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_34\"   >\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_34 i{\r\n\t\t\t\t    font-size: 30px;\r\n\t\t\t\t    text-align: center;\r\n\t\t\t\t\r\n\t\t\t\t    width: 48px;\r\n\t\t\t\t    height: 48px;\r\n\t\t\t\t    line-height: 48px;\r\n\t\t\t\t}.tdi_34 i,\r\n\t\t\t\t.tdi_34 .tds-icon-svg-wrap{\r\n\t\t\t\t    position: relative;\r\n\t\t\t\t    top: 0px;\r\n\t\t\t\t}.tdi_34{\r\n\t\t\t\t    display: inline-block;\r\n\t\t\t\t}\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_35{\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_35: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\r\n\t\t\t\t\tbackground-color: #f4b33f;\r\n\t\t\t\t\t-webkit-background-clip: text;\r\n\t\t\t\t\t-webkit-text-fill-color: transparent;\r\n\t\t\t\t}html[class*='ie'] .tdi_35:before{\r\n\t\t\t\t    background: none;\r\n\t\t\t\t\tcolor: #f4b33f;\r\n\t\t\t\t}.tdi_35 svg{\r\n\t\t\t\t    fill: #f4b33f;\r\n\t\t\t\t}.tdi_35 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-fa tdc-font-fa-star tdi_35 td-fix-index \"><\/i><\/div><div class=\"tdm_block td_block_wrap tdm_block_icon tdi_36 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.tdi_36 i{\r\n\t\t\t\t    font-size: 30px;\r\n\t\t\t\t    text-align: center;\r\n\t\t\t\t\r\n\t\t\t\t    width: 48px;\r\n\t\t\t\t    height: 48px;\r\n\t\t\t\t    line-height: 48px;\r\n\t\t\t\t}.tdi_36 i,\r\n\t\t\t\t.tdi_36 .tds-icon-svg-wrap{\r\n\t\t\t\t    position: relative;\r\n\t\t\t\t    top: 0px;\r\n\t\t\t\t}.tdi_36{\r\n\t\t\t\t    display: inline-block;\r\n\t\t\t\t}\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_37{\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_37: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\r\n\t\t\t\t\tbackground-color: #f4b33f;\r\n\t\t\t\t\t-webkit-background-clip: text;\r\n\t\t\t\t\t-webkit-text-fill-color: transparent;\r\n\t\t\t\t}html[class*='ie'] .tdi_37:before{\r\n\t\t\t\t    background: none;\r\n\t\t\t\t\tcolor: #f4b33f;\r\n\t\t\t\t}.tdi_37 svg{\r\n\t\t\t\t    fill: #f4b33f;\r\n\t\t\t\t}.tdi_37 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-fa tdc-font-fa-star tdi_37 td-fix-index \"><\/i><\/div><div class=\"tdm_block td_block_wrap tdm_block_column_title tdi_38 tdm-content-horiz-left td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_38\" >\n<style>\n\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_38{\njustify-content:center !important;\ntext-align:center !important;\n}\n\n<\/style><div class=\"td-block-row\"><div class=\"td-block-span12 tdm-col\">\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_39 .tdm-title{\r\n\t\t\t\t\tfont-size:30px !important;line-height:32px !important;font-weight:700 !important;\r\n\t\t\t\t}\n<\/style><div class=\"tds-title tds-title1 td-fix-index tdi_39 \"><h3 class=\"tdm-title tdm-title-sm\">Trusted by Professionals Worldwide<\/h3><\/div><\/div><\/div><\/div><div class=\"tdm_block td_block_wrap tdm_block_inline_text tdi_40 td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_40\" >\n<style>\n\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_40{\njustify-content:center !important;\ntext-align:center !important;\n}\n\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_40{\r\n                    text-align: center !important;\r\n                    margin-right: auto; \r\n                    margin-left: auto;\r\n                }.tdi_40 .tdm-descr a{\r\n                    color: #4180b4;\r\n                }.tdi_40 .tdm-descr a:hover{\r\n                    color: #143659;\r\n                }\n<\/style><p class=\"tdm-descr\">I help motivated individuals take charge of their finances and plan for a fulfilling retirement lifestyle.<br>\n<a href=\"https:\/\/www.google.com\/search?client=safari&rls=en&q=pang+zhe+liang&ie=UTF-8&oe=UTF-8#\" target=\"_blank\">Client's Reviews &#8594;<\/a><\/p><\/div><\/div><\/div><\/div><\/div><div id=\"tdi_41\" class=\"tdc-row\"><div class=\"vc_row tdi_42  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_42,\r\n                .tdi_42 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_42,\r\n\t\t\t\t.tdi_42 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_42 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_42:before,\r\n\t\t\t\t.tdi_42:after{\r\n\t\t\t\t    display: table;\r\n\t\t\t\t}\n<\/style><div class=\"vc_column tdi_44  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_44{\r\n                    vertical-align: baseline;\r\n                }.tdi_44 > .wpb_wrapper,\r\n\t\t\t\t.tdi_44 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_44 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_44 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_44 > .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=\"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_testimonial tdi_49 tdm-content-horiz-left 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_testimonial .tdm-testimonial-descr{\r\n                  margin-bottom: 22px;\r\n                  font-size: 15px;\r\n                  line-height: 24px;\r\n                }.tdm_block_testimonial .tdm-icon-quote-left{\r\n                  margin-bottom: 6px;\r\n                  font-size: 22px;\r\n                  color: #888;\r\n                }.tdm_block_testimonial .tdm-testimonial-image,\r\n                .tdm_block_testimonial .tdm-testimonial-info2{\r\n                  display: inline-block;\r\n                }.tdm_block_testimonial .tdm-testimonial-info{\r\n                  display: inline-table;\r\n                  vertical-align: top;\r\n                }.tdm_block_testimonial .tdm-testimonial-info2{\r\n                  display: table-cell;\r\n                  vertical-align: middle;\r\n                }.tdm_block_testimonial .tdm-testimonial-image{\r\n                  position: relative;\r\n                  background-repeat: no-repeat;\r\n                  background-size: cover;\r\n                  background-position: center center;\r\n                }.tdm_block_testimonial .tdm-testimonial-name{\r\n                  margin: 0;\r\n                  margin-bottom: -5px;\r\n                  font-size: 20px;\r\n                  line-height: 30px;\r\n                }.tdm_block_testimonial .tdm-testimonial-job{\r\n                  font-size: 13px;\r\n                  line-height: 19px;\r\n                  color: #a5a5a5;\r\n                }.tdm_block_testimonial .tds-testimonial2{\r\n                  position: relative;\r\n                }.tdm_block_testimonial .tds-testimonial2 .tdm-testimonial-descr{\r\n                  padding-top: 22px;\r\n                }.tdm_block_testimonial .tds-testimonial2 .tdm-icon-font{\r\n                  position: absolute;\r\n                  top: 0;\r\n                  left: -10px;\r\n                  font-size: 50px;\r\n                  color: #f4f4f4;\r\n                  z-index: -1;\r\n                }.tdm_block_testimonial.tdm-content-horiz-center .tds-testimonial2 .tdm-icon-font{\r\n                  left: 0;\r\n                  right: 0;\r\n                  margin: 0 auto;\r\n                }.tdm_block_testimonial.tdm-content-horiz-right .tds-testimonial2 .tdm-icon-font{\r\n                  left: auto;\r\n                  right: -10px;\r\n                }.tdm_block_testimonial .tds-testimonial3 .tdm-testimonial-descr{\r\n                  background-color: #f8f8f8;\r\n                  margin-bottom: 25px;\r\n                  padding: 22px;\r\n                  color: #444;\r\n                }.tdm_block_testimonial .tds-testimonial3 .tdm-icon-font{\r\n                  display: none;\r\n                }.tdm_block_testimonial .tds-testimonial3 .tdm-testimonial-info{\r\n                  position: relative;\r\n                }.tdm_block_testimonial .tds-testimonial3 .tdm-testimonial-info:before{\r\n                  content: '';\r\n                  position: absolute;\r\n                  top: -25px;\r\n                  left: 12px;\r\n                  width: 0;\r\n                  height: 0;\r\n                  border-style: solid;\r\n                  border-width: 14px 14px 0 14px;\r\n                  border-color: #F8F8F8 transparent transparent transparent;\r\n                }.tdm_block_testimonial .tds-testimonial4{\r\n                  padding: 22px 24px;\r\n                }.tdm_block_testimonial .tds-testimonial4 .tdm-testimonial-image{\r\n                  margin-bottom: 17px;\r\n                }.tdm_block_testimonial .tds-testimonial4 .tdm-testimonial-descr{\r\n                  margin-bottom: 14px;\r\n                }\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_50 .tdm-testimonial-image{\r\n\t\t\t\t\twidth: 52px;\r\n\t\t\t\t\theight: 52px;\r\n\t\t\t\t\r\n\t\t\t\t\tmargin-right: 15px;\r\n\t\t\t\t}\n<\/style><div class=\"tdm-testimonial-wrap td-fix-index tds-testimonial2 tdi_50\"><i class=\"tdm-icon-font tdm-icon-quote-left\"><\/i><p class=\"tdm-descr tdm-testimonial-descr\">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.<\/p><div class=\"tdm-testimonial-info\"><div class=\"tdm-testimonial-info2\"><h1 class=\"tdm-title tdm-title-sm tdm-testimonial-name\">- Jerina Loh<\/h1><span class=\"tdm-testimonial-job\">Regional Project Manager<\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_column_inner tdi_52  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_52{\r\n                    vertical-align: baseline;\r\n                }.tdi_52 .vc_column-inner > .wpb_wrapper,\r\n\t\t\t\t.tdi_52 .vc_column-inner > .wpb_wrapper .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_52 .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_testimonial tdi_53 tdm-content-horiz-left td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_53\" >\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_54 .tdm-testimonial-image{\r\n\t\t\t\t\twidth: 52px;\r\n\t\t\t\t\theight: 52px;\r\n\t\t\t\t\r\n\t\t\t\t\tmargin-right: 15px;\r\n\t\t\t\t}\n<\/style><div class=\"tdm-testimonial-wrap td-fix-index tds-testimonial2 tdi_54\"><i class=\"tdm-icon-font tdm-icon-quote-left\"><\/i><p class=\"tdm-descr tdm-testimonial-descr\">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.<\/p><div class=\"tdm-testimonial-info\"><div class=\"tdm-testimonial-info2\"><h1 class=\"tdm-title tdm-title-sm tdm-testimonial-name\">- Richard<\/h1><span class=\"tdm-testimonial-job\">Lawyer<\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_column_inner tdi_56  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_56{\r\n                    vertical-align: baseline;\r\n                }.tdi_56 .vc_column-inner > .wpb_wrapper,\r\n\t\t\t\t.tdi_56 .vc_column-inner > .wpb_wrapper .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_56 .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_testimonial tdi_57 tdm-content-horiz-left td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_57\" >\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_58 .tdm-testimonial-image{\r\n\t\t\t\t\twidth: 52px;\r\n\t\t\t\t\theight: 52px;\r\n\t\t\t\t\r\n\t\t\t\t\tmargin-right: 15px;\r\n\t\t\t\t}\n<\/style><div class=\"tdm-testimonial-wrap td-fix-index tds-testimonial2 tdi_58\"><i class=\"tdm-icon-font tdm-icon-quote-left\"><\/i><p class=\"tdm-descr tdm-testimonial-descr\">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.<\/p><div class=\"tdm-testimonial-info\"><div class=\"tdm-testimonial-info2\"><h1 class=\"tdm-title tdm-title-sm tdm-testimonial-name\">- Loh Yin Shan<\/h1><span class=\"tdm-testimonial-job\">Assistant Director<\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"tdi_59\" class=\"tdc-row\"><div class=\"vc_row tdi_60  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_60,\r\n                .tdi_60 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_60,\r\n\t\t\t\t.tdi_60 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_60 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_60:before,\r\n\t\t\t\t.tdi_60:after{\r\n\t\t\t\t    display: table;\r\n\t\t\t\t}\n<\/style><div class=\"vc_column tdi_62  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_62{\r\n                    vertical-align: baseline;\r\n                }.tdi_62 > .wpb_wrapper,\r\n\t\t\t\t.tdi_62 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_62 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_62 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_62 > .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_64 \"  style=\"height: 50px\"><\/div><\/div><\/div><\/div><\/div><div id=\"tdi_65\" class=\"tdc-row\"><div class=\"vc_row tdi_66  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_66,\r\n                .tdi_66 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_66,\r\n\t\t\t\t.tdi_66 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_66 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_66:before,\r\n\t\t\t\t.tdi_66:after{\r\n\t\t\t\t    display: table;\r\n\t\t\t\t}\n<\/style><div class=\"vc_column tdi_68  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_68{\r\n                    vertical-align: baseline;\r\n                }.tdi_68 > .wpb_wrapper,\r\n\t\t\t\t.tdi_68 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_68 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_68 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_68 > .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_69 td-pb-border-top td_block_template_13 td-fix-index\"  data-td-block-uid=\"tdi_69\" >\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_69 .td-block-title > a,\r\n            .tdi_69 .td-block-title > span {\r\n                color: #143659 !important;\r\n            }\r\n\r\n            \r\n            .tdi_69 .td-block-subtitle {\r\n                color: #f7f7f7 !important;\r\n            }\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_69 .td-block-title a,\r\n\t\t\t\tbody .tdi_69 .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>Why Fee-Based<\/span><div class=\"td-block-subtitle\">PURPOSE<\/div><\/h1><\/div><\/div><div class=\"wpb_wrapper wpb_text_column td_block_wrap td_block_wrap vc_column_text tdi_70  tagdiv-type td-pb-border-top td_block_template_8 tdc-no-posts\"  data-td-block-uid=\"tdi_70\" ><div class=\"td-fix-index\"><p style=\"text-align: justify;\">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 &#8211; am I acting in the insurer&#8217;s or in your best interest?<\/p>\n<p style=\"text-align: justify;\">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&#8217;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.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div id=\"tdi_71\" class=\"tdc-row\"><div class=\"vc_row tdi_72  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_72,\r\n                .tdi_72 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_72,\r\n\t\t\t\t.tdi_72 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_72 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_72:before,\r\n\t\t\t\t.tdi_72: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_72{\njustify-content:center !important;\ntext-align:center !important;\n}\n\n.tdi_72 .td_block_wrap{ text-align:left }\n\n<\/style><div class=\"vc_column tdi_74  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_74{\r\n                    vertical-align: baseline;\r\n                }.tdi_74 > .wpb_wrapper,\r\n\t\t\t\t.tdi_74 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_74 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_74 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_74 > .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_75 tdm-block-button-inline tdm-content-horiz-left td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_75\"     >\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_76{\r\n\t\t\t\t\tbackground-color: #7ca74e;\r\n\t\t\t\t}body .tdi_76:before{\r\n\t\t\t\t\tbackground-color: #143659;\r\n\t\t\t\t}body .tdi_76:hover:before{\r\n\t\t\t\t\topacity: 1;\r\n\t\t\t\t}.tdi_76,\r\n\t\t\t\t.tdi_76:before{\r\n\t\t\t\t\tborder-radius: 5px;\r\n\t\t\t\t}.tdi_76{\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\/philosophy\/\" \r\n                 title=\"LEARN ABOUT MY PHILOSOPHY\"\r\n                class=\"tds-button1 tdm-btn tdm-btn-lg tdi_76 \" ><span class=\"tdm-btn-text\">LEARN ABOUT MY PHILOSOPHY<\/span><\/a><\/div><\/div><div class=\"wpb_wrapper td_block_empty_space td_block_wrap vc_empty_space tdi_78 \"  style=\"height: 50px\"><\/div><\/div><\/div><\/div><\/div><div id=\"tdi_79\" class=\"tdc-row\"><div class=\"vc_row tdi_80  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_80,\r\n                .tdi_80 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_80,\r\n\t\t\t\t.tdi_80 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_80 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_80:before,\r\n\t\t\t\t.tdi_80:after{\r\n\t\t\t\t    display: table;\r\n\t\t\t\t}\n<\/style><div class=\"vc_column tdi_82  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_82{\r\n                    vertical-align: baseline;\r\n                }.tdi_82 > .wpb_wrapper,\r\n\t\t\t\t.tdi_82 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_82 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_82 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_82 > .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_83 td-pb-border-top td_block_template_13 td-fix-index\"  data-td-block-uid=\"tdi_83\" >\n<style>\n.tdi_83 .td-block-title > a,\r\n            .tdi_83 .td-block-title > span {\r\n                color: #143659 !important;\r\n            }\r\n\r\n            \r\n            .tdi_83 .td-block-subtitle {\r\n                color: #f7f7f7 !important;\r\n            }\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_83 .td-block-title a,\r\n\t\t\t\tbody .tdi_83 .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=\"wpb_wrapper td_block_empty_space td_block_wrap vc_empty_space tdi_85 \"  style=\"height: 32px\"><\/div><div class=\"vc_row_inner tdi_87  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_87{\r\n                    position: relative !important;\r\n                    top: 0;\r\n                    transform: none;\r\n                    -webkit-transform: none;\r\n                }.tdi_87,\r\n\t\t\t\t.tdi_87 .tdc-inner-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_87 .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_89  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_89{\r\n                    vertical-align: baseline;\r\n                }.tdi_89 .vc_column-inner > .wpb_wrapper,\r\n\t\t\t\t.tdi_89 .vc_column-inner > .wpb_wrapper .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_89 .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_90 tdm-content-horiz-center td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_90\" ><div class=\"td-block-row\"><div class=\"td-block-span12 tdm-col\">\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_91 .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_91 \"><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_92  tagdiv-type td-pb-border-top td_block_template_8 tdc-no-posts\"  data-td-block-uid=\"tdi_92\" ><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_94  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_94{\r\n                    vertical-align: baseline;\r\n                }.tdi_94 .vc_column-inner > .wpb_wrapper,\r\n\t\t\t\t.tdi_94 .vc_column-inner > .wpb_wrapper .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_94 .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_95 tdm-content-horiz-center td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_95\" ><div class=\"td-block-row\"><div class=\"td-block-span12 tdm-col\">\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_96 .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_96 \"><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_97  tagdiv-type td-pb-border-top td_block_template_8 tdc-no-posts\"  data-td-block-uid=\"tdi_97\" ><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_99  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_99{\r\n                    vertical-align: baseline;\r\n                }.tdi_99 .vc_column-inner > .wpb_wrapper,\r\n\t\t\t\t.tdi_99 .vc_column-inner > .wpb_wrapper .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_99 .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_100 tdm-content-horiz-center td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_100\" ><div class=\"td-block-row\"><div class=\"td-block-span12 tdm-col\">\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_101 .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_101 \"><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_102  tagdiv-type td-pb-border-top td_block_template_8 tdc-no-posts\"  data-td-block-uid=\"tdi_102\" ><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_104 \"  style=\"height: 32px\"><\/div><\/div><\/div><\/div><\/div><div id=\"tdi_105\" class=\"tdc-row\"><div class=\"vc_row tdi_106  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_106,\r\n                .tdi_106 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_106,\r\n\t\t\t\t.tdi_106 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_106 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_106:before,\r\n\t\t\t\t.tdi_106:after{\r\n\t\t\t\t    display: table;\r\n\t\t\t\t}\n<\/style><div class=\"vc_column tdi_108  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_108{\r\n                    vertical-align: baseline;\r\n                }.tdi_108 > .wpb_wrapper,\r\n\t\t\t\t.tdi_108 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_108 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_108 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_108 > .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_109 td-pb-border-top td_block_template_13 td-fix-index\"  data-td-block-uid=\"tdi_109\" >\n<style>\n.tdi_109 .td-block-title > a,\r\n            .tdi_109 .td-block-title > span {\r\n                color: #143659 !important;\r\n            }\r\n\r\n            \r\n            .tdi_109 .td-block-subtitle {\r\n                color: #f7f7f7 !important;\r\n            }\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_109 .td-block-title a,\r\n\t\t\t\tbody .tdi_109 .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_110  tagdiv-type td-pb-border-top td_block_template_8 tdc-no-posts\"  data-td-block-uid=\"tdi_110\" ><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_111\" class=\"tdc-row\"><div class=\"vc_row tdi_112  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_112,\r\n                .tdi_112 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_112,\r\n\t\t\t\t.tdi_112 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_112 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_112:before,\r\n\t\t\t\t.tdi_112:after{\r\n\t\t\t\t    display: table;\r\n\t\t\t\t}\n<\/style><div class=\"vc_column tdi_114  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_114{\r\n                    vertical-align: baseline;\r\n                }.tdi_114 > .wpb_wrapper,\r\n\t\t\t\t.tdi_114 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_114 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_114 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_114 > .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_115 tdm-content-horiz-center tds_icon_box4_wrap td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_115\" >\n<style>\n\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_115{\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_115{\r\n\t\t\t\t    height: 330px;\r\n\t\t\t\t}.tdi_116 .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_116 .tdm-descr{\r\n\t\t\t\t    margin-bottom: 30px;\r\n\t\t\t\t}.tdi_115: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_115: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_116\">\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_117{\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_117: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_115:hover .tdi_117: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_115:hover .tdi_117 svg{\r\n\t\t\t\t    fill: @text_hover_color;\r\n\t\t\t\t}body .tdi_115:hover .tdi_117 svg *{\r\n\t\t\t\t    fill: inherit;\r\n\t\t\t\t}.tdi_115:hover .tdi_117:before{\r\n\t\t\t\t    color: eyJ0eXBlIjoiZ3JhZGllbnQiLCJjb2xvcjEiOiIjNDE4MGI0IiwiY29sb3IyIjoiIzQxODBiNCIsIm1peGVkQ29sb3JzIjpbXSwiZGVncmVlIjoiLTkwIiwiY3NzIjoiYmFja2dyb3VuZC1jb2xvcjogIzQxODBiNDsiLCJjc3NQYXJhbXMiOiIwZGVnLCM0MTgwYjQsIzQxODBiNCJ9;\r\n\t\t\t\t}.tdi_115:hover .tdi_117 svg{\r\n\t\t\t\t    fill: eyJ0eXBlIjoiZ3JhZGllbnQiLCJjb2xvcjEiOiIjNDE4MGI0IiwiY29sb3IyIjoiIzQxODBiNCIsIm1peGVkQ29sb3JzIjpbXSwiZGVncmVlIjoiLTkwIiwiY3NzIjoiYmFja2dyb3VuZC1jb2xvcjogIzQxODBiNDsiLCJjc3NQYXJhbXMiOiIwZGVnLCM0MTgwYjQsIzQxODBiNCJ9;\r\n\t\t\t\t}.tdi_115:hover .tdi_117 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_117 td-fix-index \"><\/i>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_118 .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_118 \"><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_115 .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_115 .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_120  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_120{\r\n                    vertical-align: baseline;\r\n                }.tdi_120 > .wpb_wrapper,\r\n\t\t\t\t.tdi_120 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_120 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_120 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_120 > .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_121 tdm-content-horiz-center tds_icon_box4_wrap td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_121\" >\n<style>\n\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_121{\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_121{\r\n\t\t\t\t    height: 330px;\r\n\t\t\t\t}.tdi_122 .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_122 .tdm-descr{\r\n\t\t\t\t    margin-bottom: 30px;\r\n\t\t\t\t}.tdi_121: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_121: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_122\">\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_123{\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_123: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_121:hover .tdi_123: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_121:hover .tdi_123 svg{\r\n\t\t\t\t    fill: @text_hover_color;\r\n\t\t\t\t}body .tdi_121:hover .tdi_123 svg *{\r\n\t\t\t\t    fill: inherit;\r\n\t\t\t\t}.tdi_121:hover .tdi_123:before{\r\n\t\t\t\t    color: eyJ0eXBlIjoiZ3JhZGllbnQiLCJjb2xvcjEiOiIjNDE4MGI0IiwiY29sb3IyIjoiIzQxODBiNCIsIm1peGVkQ29sb3JzIjpbXSwiZGVncmVlIjoiLTkwIiwiY3NzIjoiYmFja2dyb3VuZC1jb2xvcjogIzQxODBiNDsiLCJjc3NQYXJhbXMiOiIwZGVnLCM0MTgwYjQsIzQxODBiNCJ9;\r\n\t\t\t\t}.tdi_121:hover .tdi_123 svg{\r\n\t\t\t\t    fill: eyJ0eXBlIjoiZ3JhZGllbnQiLCJjb2xvcjEiOiIjNDE4MGI0IiwiY29sb3IyIjoiIzQxODBiNCIsIm1peGVkQ29sb3JzIjpbXSwiZGVncmVlIjoiLTkwIiwiY3NzIjoiYmFja2dyb3VuZC1jb2xvcjogIzQxODBiNDsiLCJjc3NQYXJhbXMiOiIwZGVnLCM0MTgwYjQsIzQxODBiNCJ9;\r\n\t\t\t\t}.tdi_121:hover .tdi_123 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_123 td-fix-index \"><\/i>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_124 .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_124 \"><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_121 .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_121 .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_126  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_126{\r\n                    vertical-align: baseline;\r\n                }.tdi_126 > .wpb_wrapper,\r\n\t\t\t\t.tdi_126 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_126 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_126 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_126 > .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_127 tdm-content-horiz-center tds_icon_box4_wrap td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_127\" >\n<style>\n\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_127{\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_127{\r\n\t\t\t\t    height: 330px;\r\n\t\t\t\t}.tdi_128 .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_128 .tdm-descr{\r\n\t\t\t\t    margin-bottom: 30px;\r\n\t\t\t\t}.tdi_127: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_127: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_128\">\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_129{\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_129: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_127:hover .tdi_129: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_127:hover .tdi_129 svg{\r\n\t\t\t\t    fill: @text_hover_color;\r\n\t\t\t\t}body .tdi_127:hover .tdi_129 svg *{\r\n\t\t\t\t    fill: inherit;\r\n\t\t\t\t}.tdi_127:hover .tdi_129:before{\r\n\t\t\t\t    color: eyJ0eXBlIjoiZ3JhZGllbnQiLCJjb2xvcjEiOiIjNDE4MGI0IiwiY29sb3IyIjoiIzQxODBiNCIsIm1peGVkQ29sb3JzIjpbXSwiZGVncmVlIjoiLTkwIiwiY3NzIjoiYmFja2dyb3VuZC1jb2xvcjogIzQxODBiNDsiLCJjc3NQYXJhbXMiOiIwZGVnLCM0MTgwYjQsIzQxODBiNCJ9;\r\n\t\t\t\t}.tdi_127:hover .tdi_129 svg{\r\n\t\t\t\t    fill: eyJ0eXBlIjoiZ3JhZGllbnQiLCJjb2xvcjEiOiIjNDE4MGI0IiwiY29sb3IyIjoiIzQxODBiNCIsIm1peGVkQ29sb3JzIjpbXSwiZGVncmVlIjoiLTkwIiwiY3NzIjoiYmFja2dyb3VuZC1jb2xvcjogIzQxODBiNDsiLCJjc3NQYXJhbXMiOiIwZGVnLCM0MTgwYjQsIzQxODBiNCJ9;\r\n\t\t\t\t}.tdi_127:hover .tdi_129 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_129 td-fix-index \"><\/i>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_130 .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_130 \"><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_127 .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_127 .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_131\" class=\"tdc-row\"><div class=\"vc_row tdi_132  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_132,\r\n                .tdi_132 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_132,\r\n\t\t\t\t.tdi_132 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_132 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_132:before,\r\n\t\t\t\t.tdi_132: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_132{\njustify-content:center !important;\ntext-align:center !important;\n}\n\n.tdi_132 .td_block_wrap{ text-align:left }\n\n<\/style><div class=\"vc_column tdi_134  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_134{\r\n                    vertical-align: baseline;\r\n                }.tdi_134 > .wpb_wrapper,\r\n\t\t\t\t.tdi_134 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_134 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_134 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_134 > .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_135 tdm-block-button-inline tdm-content-horiz-left td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_135\"     >\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_136{\r\n\t\t\t\t\tbackground-color: #7ca74e;\r\n\t\t\t\t}body .tdi_136:before{\r\n\t\t\t\t\tbackground-color: #143659;\r\n\t\t\t\t}body .tdi_136:hover:before{\r\n\t\t\t\t\topacity: 1;\r\n\t\t\t\t}.tdi_136,\r\n\t\t\t\t.tdi_136:before{\r\n\t\t\t\t\tborder-radius: 5px;\r\n\t\t\t\t}.tdi_136{\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_136 \" ><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_138 \"  style=\"height: 50px\"><\/div><\/div><\/div><\/div><\/div><div id=\"tdi_139\" class=\"tdc-row\"><div class=\"vc_row tdi_140  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_140,\r\n                .tdi_140 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_140,\r\n\t\t\t\t.tdi_140 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_140 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_140:before,\r\n\t\t\t\t.tdi_140:after{\r\n\t\t\t\t    display: table;\r\n\t\t\t\t}\n<\/style><div class=\"vc_column tdi_142  wpb_column vc_column_container tdc-column td-pb-span6\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_142{\r\n                    vertical-align: baseline;\r\n                }.tdi_142 > .wpb_wrapper,\r\n\t\t\t\t.tdi_142 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_142 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_142 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_142 > .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_143 td-pb-border-top td_block_template_6 td-fix-index\"  data-td-block-uid=\"tdi_143\" >\n<style>\n.td_block_template_6.widget > ul > li {\r\n                margin-left: 0 !important;\r\n            }\r\n            \r\n            .td_block_template_6 .td-block-title {\r\n                text-align: center;\r\n                font-size: 17px;\r\n                font-weight: 500;\r\n                margin-top: 0;\r\n                margin-bottom: 26px;\r\n                line-height: 1;\r\n                padding: 14px 0;\r\n                position: relative;\r\n                background-repeat: no-repeat;\r\n                background-position: center center;\r\n                background-size: auto 100%;\r\n            }\r\n            .td_block_template_6 .td-block-title:before {\r\n                content: '\\e904';\r\n                font-family: 'newspaper', sans-serif;\r\n                font-size: 8px;\r\n                position: absolute;\r\n                bottom: -1px;\r\n                left: 0;\r\n                right: 0;\r\n                margin: auto;\r\n                line-height: 1;\r\n                color: var(--td_text_header_color, #000);\r\n            }\r\n            .td_block_template_6 .td-block-title > * {\r\n                color: var(--td_text_header_color, #000);\r\n            }\r\n            .td_block_template_6 .td-subcat-filter {\r\n                line-height: 40px;\r\n                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.tdm-list-item i{\r\n\t\t\t\t    color: #4180b4;\r\n\t\t\t\t}.tdi_144 .tdm-list-item svg,\r\n\t\t\t\t.tdi_144 .tdm-list-item svg *{\r\n\t\t\t\t    fill: #4180b4;\r\n\t\t\t\t}.tdi_144 .tdm-list-item:hover .tdm-list-text,\r\n\t\t\t\t.tdi_144 .tdm-list-item:hover a{\r\n\t\t\t\t    color: #4180b4;\r\n\t\t\t\t}.tdi_144 .tdm-list-item .tdm-list-icon{\r\n\t\t\t\t    margin-right: 11px;\r\n\t\t\t\t}\n\n\/* landscape *\/\n@media (min-width: 1019px) and (max-width: 1140px){\n.tdi_144 .tdm-list-item{\r\n                    margin-bottom: 8px !important;\r\n                \r\n                    margin-bottom: 8px;\r\n                }.tdi_144 .tdm-list-item:nth-last-child(-n+1){\r\n                    margin-bottom: 0 !important;\r\n                }\n}\n\n\/* portrait *\/\n@media (min-width: 768px) and (max-width: 1018px){\n.tdi_144 .tdm-list-item{\r\n                    margin-bottom: 8px !important;\r\n                \r\n                    margin-bottom: 8px;\r\n                }.tdi_144 .tdm-list-item:nth-last-child(-n+1){\r\n                    margin-bottom: 0 !important;\r\n                }\n}\n\n\/* phone *\/\n@media (max-width: 767px){\n.tdi_144 .tdm-list-item{\r\n                    margin-bottom: 8px !important;\r\n                \r\n                    margin-bottom: 8px;\r\n                }.tdi_144 .tdm-list-item:nth-last-child(-n+1){\r\n                    margin-bottom: 0 !important;\r\n                }\n}\n<\/style><div class=\"tdm-col td-fix-index\"><ul class=\"tdm-list-items\"><li class=\"tdm-list-item\"><i class=\"tdm-list-icon tdc-font-fa tdc-font-fa-star\"><\/i><span class=\"tdm-list-text\"><a href=\"https:\/\/www.pzl.sg\/blog\/why-every-client-needs-an-insurance-policy-summary\/\">Why Every Client needs an Insurance Policy Summary<\/a><\/span><\/li><li class=\"tdm-list-item\"><i class=\"tdm-list-icon tdc-font-fa tdc-font-fa-star\"><\/i><span class=\"tdm-list-text\"><a href=\"https:\/\/www.pzl.sg\/blog\/is-medishield-life-enough-in-singapore\/\">Is MediShield Life enough in Singapore?<\/a><\/span><\/li><li class=\"tdm-list-item\"><i class=\"tdm-list-icon tdc-font-fa tdc-font-fa-star\"><\/i><span class=\"tdm-list-text\"><a href=\"https:\/\/www.pzl.sg\/blog\/how-to-create-a-monthly-budget\/\">How to create a Monthly Budget<\/a><\/span><\/li><li class=\"tdm-list-item\"><i class=\"tdm-list-icon tdc-font-fa tdc-font-fa-star\"><\/i><span class=\"tdm-list-text\"><a href=\"https:\/\/www.pzl.sg\/blog\/lump-sum-investing-vs-dollar-cost-averaging-which-is-better\/\">Lump Sum Investing vs Dollar Cost Averaging: Which is Better?<\/a><\/span><\/li><li class=\"tdm-list-item\"><i class=\"tdm-list-icon tdc-font-fa tdc-font-fa-star\"><\/i><span class=\"tdm-list-text\"><a href=\"https:\/\/www.pzl.sg\/blog\/the-administrative-process-on-dying-without-a-will-in-singapore\/\">The Administrative Process on Dying without a Will in Singapore<\/a><\/span><\/li><\/ul><\/div><\/div><\/div><\/div><div class=\"vc_column tdi_146  wpb_column vc_column_container tdc-column td-pb-span6\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_146{\r\n                    vertical-align: baseline;\r\n                }.tdi_146 > .wpb_wrapper,\r\n\t\t\t\t.tdi_146 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_146 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_146 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_146 > .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_wrap vc_raw_html tdi_148 \"><div class=\"td-fix-index\"><iframe 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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_154 tdm-inline-block tdm-content-horiz-center td-animation-stack td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_154\" >\n<style>\n\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_154{\npadding-right:50px !important;\npadding-left:50px !important;\n}\n\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_154 .tdm-client-image{\r\n\t\t\t\t    opacity: 0.5;\r\n\t\t\t\t}.tdi_154: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":2374,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-430","page","type-page","status-publish","has-post-thumbnail"],"yoast_head":"<title>PZL Advise | Singapore - 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\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PZL Advise | Singapore - Singapore\" \/>\n<meta property=\"og:description\" content=\"Pang Zhe Liang is a trusted Fee-Based Financial Adviser that specialises in comprehensive financial planning. 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