{"id":1810,"date":"2019-07-30T23:00:34","date_gmt":"2019-07-30T15:00:34","guid":{"rendered":"https:\/\/www.pzl.sg\/blog\/?page_id=1810"},"modified":"2026-01-20T08:11:36","modified_gmt":"2026-01-20T00:11:36","slug":"about","status":"publish","type":"page","link":"https:\/\/www.pzl.sg\/blog\/about\/","title":{"rendered":"About"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">I use financial science to build retirement certainty &#8211; not sales pitches.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Here is the difference between the industry norm and my approach: <strong>They sell products. I explain systems.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here&#8217;s what that looks like in practice:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">The Industry Problem<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You meet an adviser. They recommend an Investment-Linked Policy (ILP) or a &#8216;high&#8217; yield dividend actively managed fund. You nod and sign, hoping it works. But here is what they don&#8217;t tell you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Misaligned Incentives:<\/strong>&nbsp;Advisers in Singapore can earn first-year commissions of 50% &#8211; 100% of your premium on an ILP. That&#8217;s why they push them &#8211; not because they&#8217;re optimal for you.<\/li>\n\n\n\n<li><strong>Poor Performance:<\/strong>&nbsp;Active funds rarely beat the market after fees &#8211; according to S&amp;P Dow Jones Indices, only 15% outperform over 15 years in the US, and the data for Singapore and regional funds is even worse.<\/li>\n\n\n\n<li><strong>CPF Neglect:<\/strong>\u00a0Your CPF delivers a 2.5% &#8211; 6% risk-free return &#8211; better than most bond funds after fees. Yet advisers ignore it because they can&#8217;t earn commissions from it.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">My Solution: The Fee-Based Pivot<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">I eliminated the conflict of interest by becoming fee-based. I don&#8217;t &#8220;sell to eat&#8221; &#8211; I sit on your side of the table. My recommendations are based purely on logic and data, not product quotas.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">My Methodology<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">I replace guesswork with three pillars of evidence:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Evidence-Based Investing:<\/strong>&nbsp;No stock-picking. No market timing. Instead, we tilt your portfolio towards proven drivers of excess returns (value, size, profitability) &#8211; 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.<\/li>\n\n\n\n<li><strong>CPF as a Bond Allocation:<\/strong>&nbsp;Most advisers treat CPF as &#8220;locked and irrelevant&#8221;. I integrate it as your portfolio&#8217;s guaranteed high-yield bond component. This allows us to take calculated equity risk with your liquid capital.<\/li>\n\n\n\n<li><strong>Stress-Testing:<\/strong>&nbsp;Retirement isn&#8217;t just about hitting a number; it&#8217;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.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Why I Do This<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">I spent years inside major insurers. I watched clients, successful professionals like you &#8211; being systematically mis-sold expensive ILPs when they simply needed term insurance, all to meet sales quotas. That&#8217;s when I realised: to give truly honest advice, I had to remove the conflict of interest entirely.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I made the conscious decision to become a Stay-at-Home Dad, balancing my advisory work with raising my child &#8211; 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.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Who This Is For<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Senior professionals, managers, and C-suite executives who want retirement certainty without the theatre of &#8220;wealth management&#8221;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/www.pzl.sg\/blog\/contact\/\">[Book a Consultation]<\/a><\/strong>&nbsp;\u2013 A deep-dive into your numbers, cash flow, balance sheet, and existing policies to engineer a retirement plan based on data, not guesses.<\/p>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-42236022 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns are-vertically-aligned-center has-background is-layout-flex wp-container-core-columns-is-layout-a2afc567 wp-block-columns-is-layout-flex\" style=\"border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-left-radius:10px;border-bottom-right-radius:10px;background-color:#f0f7eb;padding-top:60px;padding-right:20px;padding-bottom:60px;padding-left:20px\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-foreground-color has-text-color has-link-color wp-elements-45534c94e6854d56c8344e39cf14b018\">Get exclusive insights on insurance and finance in your inbox!<\/h3>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-0d744ba76c416ad27000d074b90d5187 wp-block-paragraph\" style=\"color:#444444;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.256), 16px);\"><em>Crafted for thoughtful readers who appreciate clarity and unbiased information. No spam, just value.<\/em><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-contact-form-7-contact-form-selector\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f12802-o1\" lang=\"en-GB\" dir=\"ltr\" data-wpcf7-id=\"12802\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/pages\/1810#wpcf7-f12802-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"12802\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_GB\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f12802-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/fieldset>\n<div class=\"wpcf7-turnstile cf-turnstile\" data-sitekey=\"0x4AAAAAABudNqCwDMACw1Vs\" data-response-field-name=\"_wpcf7_turnstile_response\"><\/div>\n\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"Name\"><input size=\"40\" maxlength=\"20\" minlength=\"2\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" autocomplete=\"name\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Full Name*\" value=\"\" type=\"text\" name=\"Name\" \/><\/span>\n<\/p>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"Email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" autocomplete=\"email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Email*\" value=\"\" type=\"email\" name=\"Email\" \/><\/span>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"SUBSCRIBE\" \/>\n<\/p><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"76\"\/><script>\ndocument.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );\n<\/script>\n<\/p><input type='hidden' class='wpcf7-pum' value='{\"closepopup\":false,\"closedelay\":0,\"openpopup\":false,\"openpopup_id\":0}' \/><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>I use financial science to build retirement certainty &#8211; not sales pitches. Here is the difference between the industry norm and my approach: They sell products. I explain systems. Here&#8217;s what that looks like in practice: The Industry Problem You meet an adviser. They recommend an Investment-Linked Policy (ILP) or a &#8216;high&#8217; yield dividend actively [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":13327,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1810","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/www.pzl.sg\/blog\/wp-json\/wp\/v2\/pages\/1810","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.pzl.sg\/blog\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.pzl.sg\/blog\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.pzl.sg\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pzl.sg\/blog\/wp-json\/wp\/v2\/comments?post=1810"}],"version-history":[{"count":0,"href":"https:\/\/www.pzl.sg\/blog\/wp-json\/wp\/v2\/pages\/1810\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.pzl.sg\/blog\/wp-json\/wp\/v2\/media\/13327"}],"wp:attachment":[{"href":"https:\/\/www.pzl.sg\/blog\/wp-json\/wp\/v2\/media?parent=1810"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}