For Singapore's Top Earners
You're in the top quartile. But your financial setup was probably built when you were earning half this. Time for a strategy that matches where you are now.
Insurance policies bought from friends during NS or uni that you've never reviewed
Investments scattered across robo-advisors, crypto, and random stocks with no coherent strategy
Stock options or RSUs from work that you're not sure how to handle tax-wise
CPF sitting on default allocation because you never got around to changing it
Thinking about condo vs resale but no clear framework for the numbers
Earning more than ever but not sure your savings rate makes sense at this income level
If you checked 3 or more, you're leaving real money on the table. Not because you're careless. Because you're too busy.
What Changes
The higher your income, the more you stand to gain from getting these right.
SRS contributions, CPF top-ups, course fees, charitable donations. At higher tax brackets, every relief is worth more. Most people miss at least $5k-$15k in claimable reliefs.
OA vs SA allocation, voluntary contributions, shielding for property. At higher income, CPF becomes a serious wealth-building tool, not just a forced savings account.
Beyond the 60/40 default. With higher disposable income, you can access strategies that don't make sense at lower capital: direct bonds, REITs, structured products, multi-currency holdings.
First condo? Upgrade from HDB? Investment property? The numbers change dramatically at higher income. Leverage, TDSR, ABSD implications: we model it before you commit.
If you're in tech, finance, or have equity comp, there are tax and timing implications most people don't plan for. Vest-and-sell vs hold? Exercise timing? We figure it out.
At top-quartile income, financial independence isn't a 20-year dream. With the right structure, it could be 8-12 years. We build the roadmap and track it.
How It Works
30 minutes. We look at what you have, what you're missing, and where the biggest gains are. No obligations, no product pitch.
A clear, personalised financial plan built for your actual numbers. Tax optimisation, investment allocation, protection gaps, property modelling.
Life changes. Income grows. Regulations shift. I keep your strategy current so you don't have to think about it.
NUS, NTU, SMU graduates. 3-10 years into your career. Earning well. Working in tech, consulting, banking, law, or building something of your own. You know you should be doing more with your money. You just haven't had time.
30 minutes. No obligations. No product pitch.