About

Hi there!

Welcome to my blog and I am so happy to see you here! My name is Zhe Liang, also commonly known as PZL. I started this blog in 2019 because I felt like I was living a stagnant and unproductive life. If you wish to learn more about my writing journey, here are two posts that you may find interesting:

About this Blog

Although I tend to share a lot of content on financial planning and estate planning in Singapore, this isn’t really like the whole purpose of creating this blog. Otherwise, I would have named it “Superman Finance” instead. (Oh, apparently that domain is still available. Maybe I should consider it someday when I want to make my articles sound more pro.) Anyway, the truth is, I prefer to keep this as a personal blog where I can document both my experience as a Financial Advisor and at the same time share some random perspective that I have in life. Generally, readers who visit this blog get to learn more about:

  • The types of insurance policy available on the market and how to choose the correct one that they need;
  • Various ways to maximise the value of the dollar that they spend;
  • How to get started on estate planning like Will writing and Lasting Power of Attorney; and
  • What I learnt from doing occasional self-reflections.

Correspondingly, if you are keen to read more of such posts, then the easiest way is to subscribe to my weekly newsletter. Thereupon, I will deliver the latest update straight into your inbox! In this way, this saves you the hassle to keep on coming back to check whether I have published any new content on my blog.

About My Work

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

After knowing what an insurer wants and what a client needs, I decided to become a fee-based Financial Advisor at an Independent Financial Advisory firm. Consequently, my clients are the one who set and pay my salary now. In other words, my KPI is no longer sales-driven. Instead, I’m able to focus on providing my clients with honest advice that acts in their 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 assist my clients to achieve their goals in a way such that they can lead a fulfilling and meaningful life.

Summing up, clients usually consult me with the intention to achieve one or more of the following three goals:

  • Use quantitative techniques to perform a comprehensive financial health check to identify potential areas of vulnerability and to eliminate exposure to unnecessary risk;
  • Use the most affordable insurance solutions to leverage for the maximal amount of coverage that they need;
  • Personalised wealth planning to achieve a fulfilling retirement lifestyle.

If you are keen to learn more about my work and how I work with clients to discover and achieve their goals, you may check out my portfolio @ PZL Advise.

About Me

By and large, I spend most of my usable time either at work or to maintain this blog. Additionally, I would fill up my weekends to create the best film experience for lovely couples. In fact, the joy of wedding filmmaking got into me so much that I started Le Vows Wedding Production – a small production house that specialises in creating actual day wedding films.

As you can tell, my day-to-day schedule is pretty packed. In the event that I have pockets of free time available, e.g. when I am commuting, then I would use it to read or listen to self-help books that help me to improve as a person. Otherwise, I would be binging on YouTube videos on how to increase my productivity. All in all, I think I lead a very boring life in person.