Consultation Services

People PROTECT many things in life. They put screen protectors on new phones, sealants on new cars, book covers on children's new books, but many fail to protect the most important asset they own - their LIFE.

When you protect your life, you protect your wealth. You do not want to be faithfully contributing to a wealth jar only to find it leaking. The leaks can manifest in various forms of unexpected catastrophic events such as premature death, permanent disabilities or critical illnesses. 

Wealth Protection planning is all about transferring the risks that you cannot afford to undertake to a third-party like an insurer at an affordable cost. One of the easiest and most cost-effective tools of Wealth Protection is INSURANCE. 

Insurance does not prevent disasters from happening but it provides you and your family the assurance that you and the people you love would be alleviated from the financial burdens arising from a sudden loss of income upon triggered life events or a hefty medical bill to pay.

How much coverage is sufficient for me? What do I need? What are the different types of insurance I can consider? Michelle will begin by conducting a detailed financial needs analysis on your profile. She will then analyze the data provided and recommend suitable insurance products to meet the identified goals and shortfalls in your Wealth Protection needs. Take the first step to PROTECT your wealth now!

Idle cash loses its value over time. Once the groundwork for Wealth Protection is laid, Wealth Accumulation plans can be built upon to make your money work harder. The strategy can be directed towards capital growth or capital preservation depending on your current life stage and risk profile.

The primary purpose of Wealth Accumulation is to make PROVISIONS for your desired lifestyle upon RETIREMENT, for your children's expenses especially EDUCATION as parents, and for leaving a LEGACY for your future generations through Legacy Planning.

Michelle advocates a disciplined and long-term approach towards wealth accumulation. She believes in diversification across various asset classes and in leveraging on the effect of compounding to achieve meaningful wealth accumulation goals. 

How much is enough to retire comfortably? Will my CPF Life cover all my retirement needs? Is $1 million still the magic number for retirement? Whether it is for retirement, education or leaving a legacy, let's work out your personal magic number and tailor a strategic plan for you and your loved ones to receive the provisions comfortably!

Especially in Asian cultures, death and illnesses are taboo subjects for many and largely avoided. Even though it is encouraging to witness an increasing awareness and acceptance on the topics of Wealth Distribution and Estate Planning, a large population of people are still unaware of the DETRIMENTAL effects of NOT having a Will, a Lasting Power of Attorney (LPA) and an Advanced Medical Directive (AMD). 

WEALTH DISTRIBUTION ensures that your assets are distributed according to your intended wishes. ESTATE PLANNING provides clarity, avoids expensive legal disputes and prevents unnecessary delays in the transfer of the estate to your beneficiaries. For instance, without proper planning it could take up to even a year before your dependents could receive the funds they need for their daily living expenses.

ESTATE PLANNING is not all about bequests or leaving an inheritance. It includes end-of-life arrangements such as what happens to the joint savings account, the co-owned matrimonial home or even guardianship of the minors. Other misconceptions hold that Estate Planning is complicated, expensive, reserved only for the rich, and unnecessary for young people. Nothing could be further from the truth. Everyone needs Estate Planning. 

As a Chartered Financial Consultant®/Singapore and a certified Associate Estate Planning Practitioner (AEPP®) with more than 15 years of financial planning experience, Michelle hopes to value add and provide insights to your Wealth Management journey regardless of which life stage you are at. Let's connect!