Top Financial Advisors in Singapore

Top Financial Advisors in Singapore

Who are financial advisors 

In layman terms, financial advisors are your financial planning partner. They are professionals who provide financial services to their clients based on their financial situation. Financial advisors are also known as insurance agents, financial consultants, financial planners, relationship managers. 

Here are some financial advisors to consider:

gfc advice Top Financial Advisors in Singapore

Advisors

Global Financial Consultants

Speciality Income protection and tax-efficient solutions
Website https://www.gfcadvice.com/
Address 14 Robinson Road Far East Finance Building #10-01 Singapore 048545
Telephone +65 6532 2711
Operating Hours Weekdays: 9am–5pmWeekends: Closed
Review 1
Deepak from Global Financial Consultants is very professional, sincere and really knows his stuff when it comes to investing. I have followed him for many years and he has grown my portfolio for me impressively. He is young and eager, and here to stay for the long run, and I strongly recommend him to anyone looking to make their money work for them in good long term investments. 5 stars! I would give a 6 if I could.
By Jonathan Lum
Review 2
Would highly recommend Jarrad Brown as a financial advisor. He has been our financial advisor for 5 years and is professional and personable. During that time, he has helped us create a financial plan based on our needs and execute it with his knowledge of the market. We met Jarrad in Singapore in 2016, and he has been instrumental with our move back to Australia from an investment perspective; especially building a future legacy for our children. We continue to meet regularly (at a min. quarterly) to discuss the performance of our portfolio and any changes to our situation. Always very insightful and valuable discussions! Any ad-hoc questions are answered very quickly via email or call. We have also seen the payoffs on the investment opportunities he had presented to us many years ago (based on identified growth areas) and has also been able to make the most of the recent downturn in 2020 to continue that growth for us.
By HK G
Review 3 For the past 8 years, Jarrad Brown has been our financial advisor and during this time he has been nothing but professional. Within this period he has helped establish an adaptive financial plan with regular reviews and updates focusing on our ever-changing needs. As questions or concerns arise I can always look to call on Jarrad to help provide information and guidance in a timely manner. During this time I have recommended Jarrad to a number of friends and colleagues based on my experiences and he always represents himself truthfully without the hard sell.

By Andre S

 


ipp Top Financial Advisors in Singapore

Advisors

Expat Advisory Group

Speciality Parents and professionals
Website https://www.eag.ippfa.com/
Address 78 Shenton Way, Singapore 079120
Telephone  +65 9320 9737
+65 6511 8805
Operating Hours Weekdays: 8:30am–6:30pm
Review 1 Wonderful service from a very switched on company.

By Samantha Shorts

 


synergy Top Financial Advisors in Singapore

Advisors

Synergy

Speciality  Large corporate financial solutions
Website https://synergy.com.sg/
Address 229 Mountbatten Road #03-30 Mountbatten Square Singapore 398007
Telephone +65 6654 1888
Operating Hours Weekdays: 9am–6pm
Review 1 I will like to thank Jim for helping me to sort out my finances and my portfolio, I greatly appreciate what he is doing for me. He is not like any adviser that I had met. He will take time to understand my entire situation, give me independent advice and provide me with insight & information that is useful. I’m glad to have an adviser like him. Thanks, Jim!

Ms Lily Kamsani (Client of Jim Koh)

Review 2 Genuine, detail-oriented, and patient to explain policies details clearly. I like her way of keeping that connection with her clients, constantly checking in how’s their well-being, and recommending policies that suit their needs. Not pushy at all and accommodating as well.

By Mr Kim Yong (Client of Adeline Low)

Review 3 She is dedicated and meticulous. Definitely 1 of the best financial agents I’ve known. About 4 years ago, Gem did a financial review with me and consolidate all of my policies and investments. We both spent some time talking and discuss what my lifestyle and expenditure and insurance coverage and etc. Really appreciate and grateful for that because a couple of months ago, when I was diagnosed with cervical cancer and had to go through surgery, I was pleasantly surprised that 1 of my policies showed that my condition was able to process a claim. In fact, Gem mentioned that another policy that I kept was most likely able to help with the bills and fees. After this episode, it makes me see the importance of having insurance and most importantly, a professional capable financial advisor.

By Ms Lilian Tan (Client of Gem Huang)

 


providend Top Financial Advisors in Singapore

Advisors

Providend

Speciality Comprehensive financial planning
Website https://www.providend.com/
Address No. 38 Duxton Hill Singapore 089616
Telephone +65 6309 2488
Operating Hours Weekdays: 9am–6pm
Review 1
I have been investing with Providend for the last 3 year through Evelyn Goh. She has been very knowledgeable, professional and patience in taking the time to help me understand Providend investment philosophy especially retirement planning. Evelyn does an updated minimum annually but in my case during these turbulent times, we have been meeting at least half-yearly or whenever a crisis appears on the horizon. I like her responsive and sense of responsibility for her clients
By James Lim
Review 2 My advisor, Eleanor, is patient and clear … she has taken on the onerous task of educating me so that I understand the Providend philosophy towards retirement planning. She has invested time to build a relationship with me and I trust that Providence will act in my best interests rather than be conflicted by commissions offered by funds.

By Joyce Fong

Review 3 Chin Yu has been a trusted advisor who’s been working with us from a goals-based perspective. This is what we need at this phase of our lives. He is also readily available to give insights on all matters related to financial planning. Having my finances in order gives me the bandwidth to focus on my career and family.

By Ng Shin Yi

 


great estern Top Financial Advisors in Singapore

Advisors

Great Eastern Life

Speciality Wide range of insurance plans
Website https://www.greateasternlife.com/
Address 1 Pickering St, Singapore 048659
Telephone 1800 248 2888
Operating Hours Weekdays: 9am to 5.30pm
Review 1 Alexander Ngaserin is my first financial consultant and I want to thank him for explaining everything to me clearly and helping me plan my financial life out.

As a confused millennial, there are many options we can undertake for our finances and it can be very confusing.

However, Alex made it easy and clear for me to understand what and why I was purchasing something. It was within my monthly budget and he is patient and very knowledgeable in explaining all the details of the plans I was purchasing.

He has my best interests at heart and recommends what he thinks is ideal for me. No hard-selling! I highly recommend his services and have introduced my friends to him.

By Rachel Wong

Review 2
Selvam is the best insurance assurance manager I have ever known. He knows exactly what you need and is always on his toes with your investments. Call him for all the insurance needs you can really trust him. He has been in the business for more than 20 years.
By Hellen F
Review 3 If you are looking for an excellent premium health policy, seek no more as Great Eastern will be the one to choose from. They provide good and efficient service. Glad that my agent is also a very responsive and responsible person. Highly recommended!

By Djohan Sutanto

 

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singapore financial planners Top Financial Advisors in Singapore

Advisors

Singapore Financial Planners

Speciality Insurance and Investment
Website https://singaporefinancialplanners.com/
Address 10 Anson Rd, #33-03 International Plaza, Singapore 079903
Contact
Operating Hours Weekdays: 9:30 AM to 5:30 PM
Review 1 5 stars for the financial advisors in their network!! Typically, there is this stigma that revolves around people in this industry where they focus on hard selling and being pushy, but the service I received was genuine and sincere as they recommended what was suited for my needs. Was really impressed, and I felt comfortable with the whole process as well. Would 100% recommend it!

By Tan Yuan Tian

Review 2
Met one of the financial advisors and am absolutely pleased with the service and advice provided. Happy with the recommendations as well. Highly recommended!
By Rita Nassin
Review 3 Singapore Financial Planners connected me with Edward and I found him to be super professional. He took the time to really understand my needs and provided insights that I never knew about. One of the most trustworthy advisors I’ve met definitely. Recommending without a doubt!

By Jessica Chua

 


ian pryor Top Financial Advisors in Singapore

Advisors

Ian Pryor

Speciality Expat Advisory
Website https://www.eag.ippfa.com/ian-pryor
Address 78 Shenton Way #06-01 Singapore 079120
Telephone +65 9320 9737
+65 6511 8805
Operating Hours Weekdays: 8:30am–6:30pm
Review 1 I’ve known Ian for 5 years now I think. What started as a fairly professional standard advisor-client relationship has now morphed into a warm candid funny partnership, and that’s testament to Ian’s demeanour, his attitude to his clients – it’s never a sell; his openness to explore alternative options to his own advice is a real asset. He is calm. Professional. Curious. Well, read. Always comes prepared. Very patient. (I can be very disorganised and he just rolls with it!). He approaches his clients with professional warmth and I’ve really enjoyed working with him for the past 5 years. You will be in great hands with Ian!

By Joan Collar

Review 2 I have known Ian Pryor professionally for a period of 4 years. During this time, Ian has provided me valuable insight, financial advice and looked after my portfolio with impeccable professionalism and integrity. I have no hesitation endorsing Ian for his unique skill set and talents. He is an asset and credit to IPP Financial Advisers.

By Lionel Tay

Review 3 Ian has been helping me for 9 years with pre-retirement planning and the associated investment management whilst I lived in Singapore and in the last year transitioning back to the UK and post-retirement planning. He continues to support my investment management needs now that I am based in the UK with the aid of technology, even though face to face contact is now more limited. Ian is knowledgeable, thoughtful and a good listener as well as being organised and responsive.

By Christopher Allen

 


policy pal Top Financial Advisors in Singapore

Advisors 

PolicyPal

Speciality A comprehensive range of life insurance
Website https://policypal.com/
Address 38 Eng Hoon Street Singapore 169783
Telephone +65 3163 9184
Review 1 There already sort of doing a free social service for people to upload their insurance to their portal. All I need to do is to scan the brief details and send them and their staff will help us classify the insurance manually. This way we won’t struggle with insurance-related paperwork when the problem happens.
But I hope they have some sort of data protection in places like PCI-DSS and privacy policy as we are uploading a lot of our personal data on the siteBy Alvin
Review 2 Great company with a great product that helped me greatly in comparing different insurances. Was able to seamlessly purchase travel insurances every time I travel. Definitely cannot do without this app on my phone.

By Muji Tekapo

Review 3 Great app for me to buy and store my insurance policies! Simple platform and easy to use! Now, I can view my policies conveniently on the go!

By Joelle Tan

 


aam Advisory Top Financial Advisors in Singapore

Advisors 

AAM Advisory

Website https://www.aam-advisory.com/
Address CapitaGreen #06-01, 138 market Street, Singapore 048946
Telephone +65 6653 6600
Operating Hours Weekdays: 9 AM to 6 PM
Review 1 I have been an AAM client since 2008 (with Nick Anderson as my trusted advisor) and through both good and bad markets, AAM have never failed to deliver. Starting with a small lump sum investment, I have always had plenty of access to Nick whenever required and I have been very comfortable moving more funds to them as my portfolio has continued to gain in value.

In my case I consider the client / advisor relationship to be a long term one and AAM are now also looking after my pension arrangements as well as managing investment portfolios for a number of my close friends who I have referred over the years. Put simply, AAM is the best IFA in Singapore and they receive a 5-star rating that is based on a strong track record of delivering results.

By Herriot Stobo

Review 2
I have been a client of AAM for over 5 years. Their advice has always been practical, suitable for my circumstances and honest. I had some very bad experiences with other advisory firms trying to get me to sign up to plans that were completely unsuitable. I’m not sure if they thought I was stupid or wouldn’t check the implications of their advice. Anyway – none of that with AAM. I am more than happy to recommend them.
By Jenny Bloomfield
Review 3 I have been a client of AAM for the last 4 years and have been delighted with the level of service that they provide. My financial advisor’s advice is always clear, relevant to my circumstances and easy to understand.

I would happily recommend AAM’s services to my friends and colleagues.

By Laura Hamilton

 

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fa Top Financial Advisors in Singapore

Advisors 

Financial Alliance

Website https://fa.com.sg/
Address 150 Beach Rd, #12-01/08 Gateway West, Singapore 189720
Telephone +65 6222 1889
Operating Hours Weekdays: 9 AM to 6 PM
Review 1 With Financial Alliance guidance, I now have a solid foundation on how to protect and grow my wealth! Highly recommended to give it a try.

By Henry Low

Review 2 An awesome company to work with. Forward-looking management who plan ahead of the curve

By Ang Kok Chin

Review 3 Friendly, Proffesional, Good services!

By Yuki Ng

 


aviva Top Financial Advisors in Singapore

Advisors 

AVIVA Financial Advisors

Website https://www.avivafa.com.sg/
Address Cuppage Rd, #03-08 51, Singapore 229469
Telephone +65 6827 9980
Operating Hours Daily: 9 AM to 6 PM

 


infinitum Top Financial Advisors in Singapore

Advisors

Infinitum Financial Advisors

Website https://infinitumfa.com/
Address Odeon Towers
331, North Bridge Road
#14-03
Singapore 188720
Telephone (65) 6681 5785
Operating Hours Weekdays: 9 AM to 5 PM

 

 


What do financial advisors do 

Financial advisors help their clients achieve their financial goals by doing careful financial planning. Financial advisors act as consultants and guide you through many financial aspects, such as the type of bank accounts you need and the amount of money you need to save. 

Who need financial advisors 

There are three main reasons that financial advisors should step in and help. 

You feel lost 

You feel lost in planning for your financial future, and you need a more precise idea. Feeling lost is incredibly relatable when we are just starting. We have so many financial goals we want to achieve, but we have limited financial resources. For fresh graduates, the top worry and priority are paying off student loans. For young adults, adulting is getting real – saving up for the wedding and getting a new house. 

If you have a comfortable emergency fund and can afford a financial advisor’s fee without going into debt, a financial planner might be a good investment. 

You like it hassle-free

You do not like to deal with finance. Instead, you prefer someone else to take care of the financial aspects for you. The best solution for you would be to hire someone to handle your finance for you. However, you would need at least $100,000 worth of assets, to begin with. 

Qualifications to become a financial advisor in Singapore 

A person who wishes to become a financial advisor in Singapore would need to fulfil the minimum entry requirements: 

  • be at least 21 years old 
  • either hold a GCE ‘A’ Level certificate with passes in at least three subjects at H2 level and two subjects at H1 level 
  • or an International Baccalaureate Diploma qualification 
  • or a diploma awarded by a polytechnic in Singapore 
  • or any other academic qualifications which are equivalent to the qualifications set out above 
  • sat for and passed modules 5 to 9A from the CMFAS exam 

Who can give financial advice in Singapore

In Singapore, only authorised firms and individuals are allowed to give you financial advice. Financial advisors representatives are appointed by licensed financial advisors, banks, insurance companies or brokerages to advise financial products on their behalf. 

Before seeking advice from a financial advisor, be sure to ask for his unique representative number and check if he is qualified to give financial advice. 

Independent financial advisors 

Certain financial advisors promote their services as an independent. The firm has no financial or commercial links to its product providers. 

Financial advisory process

Assess your needs and financial situation 

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To kick start the financial advisory process, be prepared to be asked a series of questions by your financial advisor. These questions usually include your finances, needs, and goals. Financial advisors need to gather sufficient information to assess your financial situation accurately and recommend you the most suitable financial products accordingly. This process is known as the financial needs analysis. 

Your financial advisor will also need to know your employment status, financial situation, and current investment portfolio. If you are considering buying a life insurance policy, your financial advisor will also require information about your dependants and the duration of financial support for each dependant. 

Recommend 

The next step of the process is making a recommendation. Your financial advisor is required to explain why the financial product or plan is suitable for you and how it can help you achieve your financial goal. He should also disclose the benefits and risks of the financial product, the premiums and charges, and early withdrawals situations. Should you wish to purchase a financial product that you are deemed unsuitable for, you will be responsible for the product. 

Receive all documents needed 

The third step of the process is the administrative matters and receiving all the documents needed. For insurance plans, these are the documents that you should have: 

  • FNA documentation 
  • Cover page 
  • Product summary 
  • Product highlights 
  • Product illustration 
  • The bundled product disclosure document 
  • Other documents 

For investments, you should have the following documents: 

  • FNA documentation 
  • Product information

Review the policy

The last step of the process is the review of the policy. Your financial advisor should contact you to review your policy regularly. If your personal or financial circumstances have changed, you should approach your financial advisor for advice. 

To ensure an accurate assessment and recommendation of the most suitable product for you, you should provide accurate and complete information to your financial advisor. 

How are financial advisors paid in Singapore

In Singapore, financial advisors are considered self-employed professionals. Hence, they do not have a fixed monthly salary. Their monthly earnings are commission-based. 

Purchasing a financial product with and without advice 

If you opt for financial advice, your financial advisor should ensure that the financial product recommended to you is suitable for your needs. He should consider your monetary objectives, risk profile, investment horizon, and other relevant circumstances. 

For people who choose not to seek financial advice, you will need to ensure that the financial product you are looking at is suitable for your needs. Before you purchase the financial product, consider: 

  • calculating the amount of insurance coverage you need
  • decide on the length of coverage needed 
  • budget to see if you can afford throughout the contract 

Conclusion 

Whether you choose to engage a financial advisor or not is up to your personal preference. If you are comfortable and confident in handling your finances, you might be better off without a financial advisor. If you are unsure of your finances and how to achieve your financial goals, you might want to seek a second opinion from a financial advisor. However, do bear in mind that engaging in a financial advisor will incur additional fees. 


Editor’s Note:

While every precaution has been made to ensure the accuracy and fairness of this listing, we acknowledge that they may be inaccuracies. Therefore, we urge you to contact the service provider above for the correct information and/or contact us with the correct information.

If you are a service provider and wish to be featured in this listing (MediaOne reviews are read by hundreds of thousands of Singaporeans), please contact us at enquiry@mm.com.sg. There is no charge! Please allow us up to 3 working days to review before adjusting the information or including your entry.

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Author Bio

Tom Koh is widely recognised as a leading SEO consultant in Asia who has worked to transform the online visibility of the leading organisations such as SingTel, Capitaland, Maybank, P&G, WWF, etc. Recently he was instrumental in consulting for a New York-based US$30B fund in an US$4Bn acquisition. Tom is a Computational Science graduate of the National University of Singapore. In his free time he performs pro-bono community work and traveling.
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