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Now that we have secured a portion of the retirees’ desired income using the RetireWell™ Income Bucket, let us look at how we can invest the rest of their money in the other buckets to [...]

One of the key features of the RetireWell™ planning methodology is to have a portion of assets set aside with the aim of producing a fixed and constant stream of income, rain or shine. [...]

When it comes to retirement planning, it is important to consider two phases: accumulation and withdrawal. However, our experience has shown that more emphasis is often placed on the accumulation [...]

To get ready for your retirement, or your financial independence, you will need a recurring stream of cash flow. We often have clients seeking our help to evaluate certain financial products [...]

Does this describe you: You have worked for a number of years, your income is moving up and so is your income tax bill, and the last time you received your NOA (Notice of Assessment) from IRAS in [...]

This is an interview done by ZuuOnline for Christopher Tan, CEO of Providend. Fee-only – Still A Game Changer Source: Providend Since then, Providend has grown from strength to strength. Tan [...]

This is an interview done by ZuuOnline for Christopher Tan, CEO of Providend. Christopher Tan, the CEO of wealth advisory firm Providend, has no illusions about the growing competition posed by [...]

There are so many issues that trigger us as Singaporeans, that it’s hard to keep track of things. Taxes, ERP, CEOs, health… The list seems to go on and on. But let me get real with you on [...]

Nothing wakes you up like an addition to the family. Bringing a life into the world, whether planned or not, really brings adulting to a whole new level. Just getting the idea to sit still in my [...]

I have not been writing about investments for quite some time. And the reason is that there is really nothing new for me to talk about. You must be thinking that I am joking. So much is happening [...]

Yesterday, on 5 July 2018, the Singapore Government announced that it would raise the Additional Buyer’s Stamp Duty (ABSD) by 5% for citizens and permanent residents buying second and subsequent [...]

From young, we’re generally taught to save. If we were lucky enough to have an allowance, we were told to put some away. Maybe we had a tooth fairy who gave us some pocket change, again, we were [...]

I have been advising clients since 1998. Having gone through multiple financial crises, the greatest being the Global Financial Crisis in 2008, I know through experiences and with evidence, that [...]

Many of us know that it is important to invest our money wisely so that we can reach our financial goals. These include goals such as retiring comfortably, funding our children’s education, [...]

Over the years, I’ve had many family members and friends ask me which stocks they should buy. While in the past I answered by naming a few stocks that I thought were of good value, after some [...]

Over a business lunch recently, one senior gentleman was relating to me on how his private banker tried to sell him a financial product. It was an equity-based investment meant to give a certain [...]

Most of us own whole life insurance plans. They are meant to protect us against death, disability or a major illness for our entire life. But do we really need insurance cover for our entire [...]

As a fee-only retirement financial advisory firm, we have always prided ourselves to be able to give the most honest, independent and competent advice to our clients without having to struggle [...]

Recently someone jokingly told me that after seeing so many advisers and reading so many articles on papers and magazines, he thinks he can also be an investment adviser. This is what he says [...]

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 [...]

A common question posed to me at conferences and panel discussions is: “Can we retire in Singapore?” It seems that many Singaporeans are worried that they can’t. So what does it take to retire in [...]

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 [...]

Finally, your baby has arrived. After nine months of anxious waiting, the climax at the delivery ward is awesome, especially for first-time parents. Before long from basking in your bundle of [...]

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 [...]