The first chat is on me. Bring your questions, your messy spreadsheet, your ILP your aunty sold you. We'll figure out if I'm useful for you. If not, you got a kopi out of it.
We meet for a coffee (or a video call if you'd rather). I ask about you, your goals, what's keeping you up at night about money. You ask me anything. By the end, you'll know whether I'm a fit for what you need. There's zero obligation, ever.
How much do you charge?
The first conversation is free. After that, my income comes from the products I help clients put in place (insurance, investments). So if we don't end up working together, you don't pay a cent. If we do, I'll always show you exactly how I get paid before you sign anything.
Will you try to sell me something?
Honestly? Not in the first chat. Not in the second. Most of my clients meet with me 2-3 times before we even talk products. My job is to understand the whole picture first, then figure out what (if anything) actually fits. If a product makes sense, I'll explain it in plain English. If nothing makes sense, I'll tell you that too.
I already have an FA. Can we still chat?
Of course. A lot of my clients come for a second opinion before making a big decision. No pressure to switch. I'll happily look at what you have and tell you honestly whether it makes sense for where you're at.
I'm self-employed / a freelancer. Is that ok?
Yes, and it's actually one of my favourite client groups. CPF rules look different for you, your income is lumpy, and the standard FA playbook usually doesn't fit. I've helped a lot of designers, content creators, F&B owners, and tutors build plans that actually match how their lives work.
What if I have nothing saved yet?
Even better. The earlier we sketch a plan, the less work future-you has to do. I'd rather have this conversation with you at 25 with nothing saved than at 45 with regret. Show up exactly as you are.
Are you regulated? What's your licence?
Yes. I'm a representative of Advisors Alliance Group Pte Ltd (AAG), a licensed financial advisory firm regulated by the Monetary Authority of Singapore (MAS). My MAS Rep ID is on the compliance footer of every page. You can verify any FA representative on the MAS Financial Institutions Directory at eservices.mas.gov.sg/fid.