Mockup · placeholder copy + photos · style reference: tziaaa.com · made for Emy by Aphyx
01

"My company gave me an ILP. Should I keep it?"

The honest answer involves three follow-up questions and a calculator. Bring the policy.

02

"How much should I have in my emergency fund, really?"

Less than the internet says if you live with your parents. More than you think if you're freelancing.

03

"BTO + wedding + parents, where do I even start?"

This is most of my Saturday mornings. I have a framework. It involves stickers.

04

"My mum's getting older and I'm worried about her medical."

So am I, about mine. Let's look at what she has and what's missing, together.

05

"I just got my year-end bonus. Don't let me YOLO it."

Joint account with future-you. We'll set the rules over kopi.

06

"I'm self-employed. CPF top-ups vs SRS vs just ETFs?"

The right answer is "yes". The order matters. So does your tax bracket.

07

"My partner and I earn very differently. How do we plan?"

Three buckets. One spreadsheet. Zero blame. We can sketch it together.

08

"I have term life from 5 years ago. Is it still right?"

Probably not. Life moves faster than policies. Quick review, no rewrite needed if it still fits.

09

"I want to invest but I'm scared of losing money."

Same. Let's talk about what your real risk is, what your friends do, and why both might be wrong.

Kind words

From people who've sat across the table from me.

First names only. Real conversations. The full reviews live on Google & LinkedIn.

★★★★★
"I came in expecting a sales pitch and left with a spreadsheet. Emy was the first FA who actually listened before telling me what I needed."
★★★★★
"She made my parents laugh. They've never laughed in a money meeting in their life. That alone was worth it. And the will got sorted."
★★★★★
"I'm bad at this stuff. Emy didn't make me feel bad about being bad at this stuff. We met three times before she suggested anything."
your question, my coffee

Don't see your question? Bring it.

30 minutes, no pitch. Whatever's been on your mind, we'll talk about it. The first chat is on me.

Book a coffee chat