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We typically depend on research and data to do many things in the modern world, from medicine to engineering. Why should it be any different for investing? Using funds that are backed by research [...]

In last month’s article, we talked about how we helped our retiree client, David, plan for his retirement using our proprietary tool called RetireWell. Based on what David wants, we use allocated [...]

Part of our job as a fee-only retirement financial advisory firm is to evaluate the investment products/proposals that our clients receive from the financial institutions that they have [...]

Since 2003, we have been advocating the use of term insurances. While many Singaporeans appreciated our beliefs, the insurance and financial planning industry fought it. We stood out like a sore [...]

When I started out my career as a financial adviser with an insurance company many years ago, I was taught that insurance products are a good instrument for accumulating one’s wealth. Not only do [...]

Life insurance is meant mainly to protect us against loss of income due to death, disability and a medical crisis. It is also meant to provide us with sufficient resources to pay for medical [...]

As wealth managers, are we still taking time to truly understand clients’ needs? Whatever happened to the consideration to recommend what is best for clients’ profitability? Where is that fiduciary [...]

Banks are fiduciaries and should place customers’ interests ahead of shareholders’. Banks are for transacting, not advice. Once upon a time, on a sunny island in Southeast Asia, lived more than 4 [...]

All these years, I know for a fact that many of us do not really understand our CPF well. To many, it is just one of the many ways our government uses to “hoard” our assets. Over the past 2 [...]