I use financial science to build retirement certainty – not sales pitches.

Here is the difference between the industry norm and my approach: They sell products. I explain systems.

Here’s what that looks like in practice:

The Industry Problem

You meet an adviser. They recommend an Investment-Linked Policy (ILP) or a ‘high’ yield dividend actively managed fund. You nod and sign, hoping it works. But here is what they don’t tell you:

• Misaligned Incentives: Advisers in Singapore can earn first-year commissions of 50% – 100% of your premium on an ILP. That’s why they push them – not because they’re optimal for you.
• Poor Performance: Active funds rarely beat the market after fees – according to S&P Dow Jones Indices, only 15% outperform over 15 years in the US, and the data for Singapore and regional funds is even worse.
• CPF Neglect: Your CPF delivers a 2.5% – 6% risk-free return – better than most bond funds after fees. Yet advisers ignore it because they can’t earn commissions from it.

My Solution: The Fee-Based Pivot

I eliminated the conflict of interest by becoming fee-based. I don’t “sell to eat” – I sit on your side of the table. My recommendations are based purely on logic and data, not product quotas.

My Methodology

I replace guesswork with three pillars of evidence:

• Evidence-Based Investing: No stock-picking. No market timing. Instead, we tilt your portfolio towards proven drivers of excess returns (value, size, profitability) – based on decades of peer-reviewed research from Fama, French, and modern asset pricing models. In practice, this means using low-cost, factor-tilted funds from providers like Dimensional or Avantis, not high-fee unit trusts pushed by banks.
• CPF as a Bond Allocation: Most advisers treat CPF as “locked and irrelevant”. I integrate it as your portfolio’s guaranteed high-yield bond component. This allows us to take calculated equity risk with your liquid capital.
• Stress-Testing: Retirement isn’t just about hitting a number; it’s about surviving the drawdown. I stress-test your withdrawal strategies against historical crashes to ensure your plan survives the worst 5% of economic scenarios.

Why I Do This

I spent years inside major insurers. I watched clients, successful professionals like you – being systematically mis-sold expensive ILPs when they simply needed term insurance, all to meet sales quotas. That’s when I realised: to give truly honest advice, I had to remove the conflict of interest entirely.

I made the conscious decision to become a Stay-at-Home Dad, balancing my advisory work with raising my child – a balance made possible by the very planning principles I advocate. My goal is to help you build enough security that you, too, can eventually choose time over toil.

Who This Is For

Senior professionals, managers, and C-suite executives who want retirement certainty without the theatre of “wealth management”.

[Book a Consultation] – A deep-dive into your numbers, cash flow, balance sheet, and existing policies to engineer a retirement plan based on data, not guesses.