Our approach to investment advisory centers on creating robust, future-proof portfolios tailored for Singapore residents with global aspirations. We prioritise strategies that stand the test of time, focusing on long-term growth and capital preservation. Evidence-Based Portfolios We build portfolios grounded in rigorous academic research and empirical evidence, not speculative market predictions. This disciplined approach aims for consistent performance and reduces reliance on short-term market fluctuations. Currency-Aware Strategies Understanding the global nature of wealth, we incorporate currency considerations into your investment plan. This ensures your assets are protected and optimized across different currencies, catering to international aspirations. Tax Efficiency We design portfolios with Singapore's tax environment in mind, aiming to minimize tax implications and enhance your net returns. Strategic planning helps optimize wealth accumulation for a more effective financial future. Risk-Adjusted Returns Our focus is on maximizing returns relative to the risk taken. We carefully assess your risk tolerance and align investments to achieve your financial objectives efficiently, ensuring comfortable growth. Fixed Coupon Notes FCNs provide enhanced yields compared to traditional bonds or deposits. By carefully selecting underlying equities and strike levels, we create opportunities to capture premium income while managing downside exposure. Liquidity vs Structured Approaches Different goals require different vehicles. By combining both, we balance accessibility with long-term accumulation, creating a portfolio that adapts to immediate needs while reinforcing future security.

Preserving wealth across generations requires more than drafting documents. Our estate planning process integrates legal, financial, and liquidity strategies to reduce disputes and ensure clarity. Wills & Testaments We create wills aligned with Singapore law, tailored to family dynamics, and structured to minimise probate challenges. Lasting Powers of Attorney LPAs empower trusted decision-makers if you lose capacity, ensuring both personal welfare and financial affairs are managed smoothly. CPF & Insurance Nominations We guide you in using nominations to route funds directly to beneficiaries, bypassing probate delays and providing immediate support. Trust Structuring For more complex situations, we employ trusts to manage assets, protect minors, and enforce conditions across generations. Funding Alignment Estate plans must be funded. We align insurance proceeds and liquid assets to cover estate costs, taxes, and family needs without fire sales.

For Muslim families, planning must respect both Shariah principles and Singapore’s legal framework. We design solutions that integrate faith, family, and compliance. Wasiat (Islamic Will) We draft Wasiat structures that distribute assets according to Faraid while respecting your personal intentions and family circumstances. Hibah (Lifetime Gifts) Hibah allows the gifting of assets during your lifetime, ensuring clarity and avoiding disputes while remaining Shariah-compliant. Islamic Trusts We implement trusts designed to provide ongoing financial support for minors or dependents, aligned with both AMLA rules and religious obligations.

A business is often the family’s largest asset. Continuity planning ensures it survives disruption, protects livelihoods, and retains value. Succession Structures We implement buy-sell agreements and ownership transition plans that keep businesses stable and aligned with family or partner interests. Keyman Protection Insurance on critical personnel ensures the business has immediate liquidity to cover recruitment, training, or stabilisation costs. Cash Flow Safeguards We design emergency funding mechanisms so payroll, suppliers, and operations can continue through unforeseen events. Debt Cancellation Business debt can jeopardise both the enterprise and family wealth if left uncovered. We structure protection so that outstanding loans are extinguished, preserving the business’s solvency and protecting personal guarantees. Golden Handcuff Strategies Retaining top talent is critical for continuity. We design incentive structures, often funded through insurance or deferred compensation, that tie key executives to the firm while aligning their rewards with long-term business stability. Exit Strategies Whether through succession to family, management buy-out, or external sale, exit planning maximises enterprise value while reducing disruption. We coordinate funding, ownership transfer, and estate integration so that the business becomes a source of enduring wealth rather than a forced sale.

Wealth protection is the foundation of any financial plan. Beyond simply buying coverage, we integrate insurance into your estate and investment strategy to ensure liquidity, stability, and peace of mind. Life and Income Protection We calibrate life insurance and disability cover to secure your family’s income stream, safeguarding dependents and ensuring continuity through unexpected events. Health & Critical Illness Coverage Hospitalisation, long-term care, and critical illness plans provide a safety net against rising medical costs in Singapore. We structure benefits so they complement employer policies and avoid overlaps or gaps. Asset and Property Protection Insurance is not only for people but also for property. From homes to key assets, we design coverage that preserves capital value and avoids forced asset sales.