MDRT Qualifier 2026High earners,
not rich yet?
Plan like it.
I'm Vicki, a Financial Planner in Singapore. I help young couples who earn well, but do not feel rich yet, turn income into a clear plan for property, taxes, CPF, investing, protection, and the life you are building together.
I swear I have more eyebags than this. My photographer is just too skilled.
What I Help With
High income creates options.
It also creates harder tradeoffs.
For high-earning young couples in Singapore, the question is rarely just "can we afford it?" It is what each decision does to your next decade.
Property Beyond BTO
For couples who may fall outside BTO income ceilings and need to think through resale, EC, condo, loan sizing, CPF use, cash buffer, and opportunity cost before committing.
Investment Portfolio Structure
A big-picture review of how your cash, CPF, SRS, regular investments, and long-term goals fit together before talking about any specific solution.
Tax, CPF, And Cashflow
High income can still feel tight when taxes, mortgage plans, lifestyle, family support, and future children are all in the picture. We make the monthly flow clearer.
Protection Without Overbuying
Review insurance blind spots and overlaps as a couple, so protection supports the plan instead of quietly eating into the money you meant to invest or use for property.
Best Fit
I work best with
Young couples in Singapore building a serious life together
High earners who still feel stretched by property, tax, lifestyle, and family commitments
Couples planning BTO, resale, EC, condo, wedding, reno, kids, or parent support
People who want structure before making big money decisions
Not This
This is not for
Quick stock tips, market timing, or sure-win returns
Product-first advice before understanding your life
Pressure, scare tactics, or pushing you before you are ready
Choosing the cheapest option without looking at fit, tradeoffs, and future impact
Yes, he approved the emoji. Sort of.
MDRT Qualifier 2026
Top 6% of financial planners worldwide. Recognised for both performance and ethical practice.
Associate Financial Planner (AFP)
Certified by FPAS to provide holistic financial planning, not just product advice. Covers insurance, investments, retirement, estate planning, and tax.
MAS Licensed
Regulated by the Monetary Authority of Singapore. Great Eastern Financial Advisers (Licence No: TB-300659074).
Great Eastern Life Achievers Club
Recognised for consistent excellence in client service and financial planning.
About Vicki
Why HENRY couples
became personal.
My boyfriend and I are in this life stage too. We realised that earning more does not automatically make money feel easier.
Higher income often comes with bigger decisions: property, taxes, investing, family responsibilities, lifestyle choices, and the pressure to make the most of what you earn.
More income gives you more options.
The real work is turning those options into clear decisions.
That is the perspective I bring into my work: practical, structured, and grounded in the same questions many young couples are already facing.
My Philosophy
Earning more helps.
Knowing what to do with it matters more.
Most couples ask "can we afford this property?" I help you ask the sharper question: what are we giving up, what are we protecting, and how do we still build wealth after this?
Clarity
See the tradeoffs
Confidence
Commit with context
Coherence
Income becomes a plan
How It Works
Three simple steps
Start With The Big Move
Tell me what you are planning for: resale, EC, condo, wedding, reno, investing, or the next shared money decision.
Book a Free 30-Min Chat
No pressure. We talk through your timeline, affordability questions, tax and CPF considerations, and blind spots worth checking before you commit.
Build The Roadmap
If you want detailed numbers, the paid planning report maps your property, portfolio, protection, and cashflow priorities.
Plan in decades. Live in moments.
For young couples earning well, but not feeling rich yet. Build your next chapter with clarity, not pressure.
Start Planning With VickiAvailable weekdays & Saturday mornings · Virtual or in-person