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Why Choose James?
- My mission statement is to help and be a blessing to people
- Dedicated to giving wise and appropriate financial advice
- Personal guarantee to never recommend a product for the purpose of increasing commissions
- Backed by close to 10 years of business experience and planning know-how
- Supported by arguably the largest independent financial advisory in Singapore
- Committed to serving and assisting clients in our financial matters
- If I do not know the answer, I will say so
- But I will definitely find the answer
Always in your best interests
Financial Consultant
Helping you be prepared
What If We Don’t Need All the Answers?
We have studied Stonehenge for centuries—and still cannot say with certainty why it was built. Standing before it, I expected that mystery to make the monument feel less significant. Instead, it made me wonder whether [...]
If I needed another year to recover properly, could I afford to take it?
What if your cancer treatment lasts six months — but your recovery takes another year? A recent CNA article talks about a second battle beginning after the end of treatment. When discussing critical illness coverage, [...]
What kind of care would I want my parent to have… if money were not an object?
“What kind of care would I want my parent to have… if money were not an object?” A client asked herself this recently, and the question has stayed with me. She is caring for an [...]
What is your 100,000 shots?
What is the financial consultant's equivalent of making 100,000 shots? This video stayed with me because it captures something I think about often: mastery is rarely the result of one breakthrough. It is built through [...]
What happens to the people we care about if life does not go according to plan?
A recent meeting with a new prospect reminded me that maturity has little to do with age. He was just 21, had only recently started working, and was introduced to me by an existing client. [...]
Planning for Problems That Don’t Exist Yet
Some of the best decisions Singapore ever made probably looked unnecessary at the time. That was what came to mind when PM Lawrence Wong spoke at the National Day Rally about Singapore needing to plan [...]
Luxury Eldercare Comes to Singapore
$8,000 a month for eldercare sounds like a luxury.But perhaps the real luxury is having a choice.Singapore’s first private assisted-living development has opened, with fees starting from about $8,000 a month and exceeding $13,000 for [...]
Is it Worth Risking Your CPF?
𝗧𝗵𝗲 𝗿𝗲𝗰𝗲𝗻𝘁 𝗖𝗣𝗙 𝗰𝗵𝗮𝗻𝗴𝗲𝘀 𝗴𝗼𝘁 𝗺𝗲 𝘁𝗵𝗶𝗻𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁 𝘀𝗼𝗺𝗲𝘁𝗵𝗶𝗻𝗴 𝗜 𝘀𝗲𝗲 𝗾𝘂𝗶𝘁𝗲 𝗼𝗳𝘁𝗲𝗻 𝘄𝗶𝘁𝗵 𝗺𝘆 𝗰𝗹𝗶𝗲𝗻𝘁𝘀.When we talk about retirement adequacy, many people tend to focus heavily on their investment portfolio.“How much can I earn?”“Should [...]
Do you know the 1 July 2026 deadline?
1 July 2026 deadline is coming... That is when our statutory retirement age is increasing to 64. Why does that concern you? First, it means that your employer cannot force you to retire before 64. [...]
Uncomfortable thoughts on AI
Just completed a 3-day Gen AI course — and I left with one uncomfortable thought: 𝗔𝗜 𝗺𝗮𝘆 𝗻𝗼𝘁 𝗿𝗲𝗽𝗹𝗮𝗰𝗲 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗮𝗱𝘃𝗶𝘀𝗼𝗿𝘀.𝗕𝘂𝘁 𝗶𝘁 𝘄𝗶𝗹𝗹 𝗲𝘅𝗽𝗼𝘀𝗲 𝘄𝗵𝗶𝗰𝗵 𝗮𝗱𝘃𝗶𝘀𝗼𝗿𝘀 𝘄𝗲𝗿𝗲 𝗼𝗻𝗹𝘆 𝗽𝗿𝗼𝘃𝗶𝗱𝗶𝗻𝗴 𝗶𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻. The deeper implications for financial [...]
Medical cost inflation hits 16%
Can you imagine what insurance premiums and long-term care costs will be at 16% inflation? If nursing home costs $3,000/m today, at 16% inflation, in 20 years time, it will cost $58,000/m! This is definitely [...]
Will I have enough?
"What happens if I have no income for 2 years, will i have enough to pay for all my plans?" This was a very honest question a client recently asked me. And I'm thrilled that [...]