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Protection Planning
Protection Planning is the foundation of a comprehensive financial plan and is a must before you embark on the other components like investment planning, retirement planning and estate planning.
All of us face risks of premature death, disablement, hospitalisation, surgery and long-term illness. It is the financial consequences like loss of income, medical expenses and ancillary costs that need protection. A good protection plan comprises a combination of insurance policies possibly to cover all the risk exposures. We do thorough fact-finding and financial needs analysis before making recommendations according to the requirements of the Financial Adviser Act. We source for the suitable products which available to give to our clients wider choices and better value.
Contact us if you need information on any of the following:
- Am I adequately protected?
- Are my present policies suitable for my needs?
- Are my assets sufficiently protected?
- Are my loans and other financial liabilities sufficiently protected?
- Are my medical risks sufficiently protected and my present policies coordinated most efficiently?
- Are all my potential liabilities adequately protected?
- Are my business risks adequately protected?
- Am I getting the best value in terms of coverage and premiums from my present company insurances?
- What benefits will a risk audit bring me?
Making better investment returns can make a small difference to your lifestyle. Not protecting against life’s risks can destroy you and your family financially.
Feel free to fill up this inquiry form if you have further inquiries on our services.
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Personal Planning
We need to sit down to think through our objectives and strategies.
Personal planning usually starts with drawing up of simple financial statements like a personal income-expenditure statement, balance sheet and cash flow statement. It is very important to be able to save in order to invest and protect one’s investments.
Please contact us if you are interested in any of the following:
- How can I assess my personal financial health?
- How can I generate more savings?
- How can I get better return from my investments?
- Are my present insurances adequate in terms of scope of coverage and quantum?
- What are my financial objectives and roadblocks?
- What financial benefits can I obtain from tax planning?
- What is the worst that can happen to me?
Statistics show that the vast majority do not have any personal financial planning. No wonder not many have achieved financial freedom or independence.
Feel free to fill up this inquiry form if you have further inquiries on our services.
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Life Insurance
While the fear of dying too soon is a major reason to insure oneself, life insurance is much more than that. It covers other fears like suffering disability and contracting dread disease and in the case of retirement, living too long.
Life insurance has been described as a modern miracle which provides money when it is most needed. It is also described as a love letter since the primary motivation is love and concern for one’s family.
Life insurance is the only financial product which allows you to create an immediate estate. It is also an effective way of savings with a return which is attractive compared to other safe savings schemes like fixed deposits and bonds. While the products may be described as whole life, endowment and term life, there are differences in the terms and benefits and premiums.
It is extremely important to know what you need and what best meets your needs.
Please contact us if you need information on any of the following:
- Appropriateness and adequacy of your present insurance portfolio.
- Insurance risk audit.
- Who will benefit from your policy proceeds?
- Will your insurance provide sufficiently for your retirement?
- Will your insurance provide sufficiently for your children’s education?
- How investment-linked policies compare with unit trust?
- Whether your insurance qualifies for tax deduction?
- Whether you can take a loan on your policy or use it as collateral for bank loan?
Feel free to fill up this inquiry form if you have further inquiries on our services.
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Retirement Planning
Looking forward for retirement is not enough. You need to plan ahead what you want to be and what you want to do. Where do you want to live and with what kind of lifestyle? And you need to ensure that you have sufficient financial resources to be able to enjoy your retirement years
The Governments’ advice is “Take Charge and start early”. This is because ours is not a welfare estate with social security and it takes time to save the large sum required for retirement. The general warning is that EPF amount for retirement is not enough for the majority of people because much of it goes into home loan repayments. That is, some will be asset rich but cash poor. The startling statistics is that the majority of people will not even have the “minimum sum” set by EPF for one’s retirement. Earlier generations depended on their children to support them. With smaller families today and higher cost, can parents look to their children to see them through thirty years of retirement?
Retirement is supposed to be a time of rest from work but turns out to be the most difficult years for many. How can I prepare for retirement? What is enough for my retirement? How to determine what is enough depends on several factors like your desired retirement lifestyle, your expected life span and investment and inflation rate.
Its comes as a shock to many that one million dollars may not be sufficient to support their desired retirement lifestyle. Migrating to a country where your retirement savings can go further because of your stronger currency must be considered carefully against you being further from your homeland and possibly family as well. How can you save for your retirement? How can you invest what you have now and what extra you can set aside each year to accumulate the funds for your retirement? These are questions we help you to answer considering your objectives, your risk tolerance and your financial resources. For those who are about to retire or have retired and have funds to invest, we help you identify product investments for your hard earned savings whether it be pension, gratuity or EPF.
We all know too well stories of how hard-earned money can be wasted or lost in ill-chosen business or investments. The great financial fortunes of the 20th century were built on the 19th century fear of dying too soon. The great financial fortunes of the future will be built on the 21st century fear of not dying soon enough.
Take charge and start early.
Contact us if you need to know about any of the following:
How to compute your retirement needs
- Supplementary Retirement Scheme
- EPF Minimum Sum Scheme and Withdrawal at Age 55
- Insurance products for retirement
- Investment products for retirement
- Reverse Mortgage
- Advanced Medical Directive
Feel free to fill up this inquiry form if you have further inquiries on our services.
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Business Planning
Business Continuity Planning, Business Operation Insurance, Group Benefits For Employee, Partnership Insurance
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Individual Planning
Life insurance, unit trust, personal planning, retirement planning, protection planning, investment planning, education planning, tax planning, estate planning, general insurance.