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Why Choose James?
- My mission statement is to help and be a blessing to people
- Dedicated to givingย 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
- Committedย 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
Uncomfortable thoughts on AI
Just completed a 3-day Gen AI course โ and I left with one uncomfortable thought: ๐๐ ๐บ๐ฎ๐ ๐ป๐ผ๐ ๐ฟ๐ฒ๐ฝ๐น๐ฎ๐ฐ๐ฒ ๐ณ๐ถ๐ป๐ฎ๐ป๐ฐ๐ถ๐ฎ๐น ๐ฎ๐ฑ๐๐ถ๐๐ผ๐ฟ๐.๐๐๐ ๐ถ๐ ๐๐ถ๐น๐น ๐ฒ๐ ๐ฝ๐ผ๐๐ฒ ๐๐ต๐ถ๐ฐ๐ต ๐ฎ๐ฑ๐๐ถ๐๐ผ๐ฟ๐ ๐๐ฒ๐ฟ๐ฒ ๐ผ๐ป๐น๐ ๐ฝ๐ฟ๐ผ๐๐ถ๐ฑ๐ถ๐ป๐ด ๐ถ๐ป๐ณ๐ผ๐ฟ๐บ๐ฎ๐๐ถ๐ผ๐ป. 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 [...]
Reflection on the past 10 years
This is my 10th year in the industry.I was sharing this fact with a client recently, and he asked me, '๐ช๐ต๐ฎ๐ ๐ฑ๐ผ ๐๐ผ๐ ๐๐ต๐ถ๐ป๐ธ ๐ถ๐ ๐๐ต๐ฒ ๐๐ฒ๐ฐ๐ฟ๐ฒ๐ ๐ผ๐ณ ๐๐ผ๐๐ฟ ๐๐๐ฐ๐ฐ๐ฒ๐๐?'It's always great when clients hit [...]
Thank you for the privilege, Mr Client
"I've never had this much cash and investments in my life!" Just celebrated a big victory with my client last night.When we started our journey together since 2019, he was not in the best of [...]
Do Good, Fear No One
"๐ ๐ฎ๐บ ๐๐ต๐ถ๐ณ๐๐ถ๐ป๐ด ๐ฎ๐น๐น ๐บ๐ ๐ฐ๐๐ฟ๐ฟ๐ฒ๐ป๐ ๐ฏ๐ฎ๐ป๐ธ๐ฒ๐ฟ'๐ ๐ถ๐ป๐๐ฒ๐๐๐บ๐ฒ๐ป๐ ๐ผ๐๐ฒ๐ฟ ๐๐ผ ๐๐ผ๐."That is probably one of the greatest validation I have gotten in recent days.My client went on to explain that, '๐๐ผ ๐๐ผ๐ ๐ธ๐ป๐ผ๐ ๐๐ต๐ฎ๐ ๐บ๐ [...]
3 Retirement Spending Surprises
๐ฏ ๐ฟ๐ฒ๐๐ถ๐ฟ๐ฒ๐บ๐ฒ๐ป๐ ๐๐ฝ๐ฒ๐ป๐ฑ๐ถ๐ป๐ด ๐๐๐ฟ๐ฝ๐ฟ๐ถ๐๐ฒ๐ ๐ณ๐ผ๐๐ป๐ฑ ๐ฏ๐ ๐๐ฃ ๐ ๐ผ๐ฟ๐ด๐ฎ๐ป ๐ฎ๐ณ๐๐ฒ๐ฟ ๐ฎ๐ป๐ฎ๐น๐๐๐ถ๐ป๐ด ๐บ๐ผ๐ฟ๐ฒ ๐๐ต๐ฎ๐ป ๐ฑ๐ ๐ต๐ผ๐๐๐ฒ๐ต๐ผ๐น๐ฑ๐ ๐ถ๐ป ๐๐บ๐ฒ๐ฟ๐ถ๐ฐ๐ฎ.While this may not directly translate to Singaporeans, but I do think that meaningful lessons can still be learnt.Here are [...]
4 + 1 Key takeaways from Warren Buffet’s Letter to Shareholders
Warren Buffet releases a letter to his Berkshire Hathaway's shareholders every year to update them and to remind them on the business of Berkshire. And we can always learn lots from his insights on investments. [...]
6 important changes to CPF in 2022
With the recent budget 2022, there are several major changes in the CPF scheme for all Singaporeans and PR. You should be aware of these as they will potentially impact you. 1. Increased tax relief [...]
Why banks’ Equity-Linked Notes (ELN) are not good investment instruments
If you are a privilege or private banking client with a bank, you should have been broached with the idea of purchasing a structured note, or an Equity-Linked Note (ELN) with the cash savings you [...]
Close the Cancer Care Gap
Did you know that February 4thย is World Cancer Day? The theme for 2022-2024 is Close the Care Gap. The initiative is a catalyst for personal, collective and governmental actions worldwide, to raising awareness of cancers, [...]
How much does Colonoscopy and Endoscopy cost in a private hospital?
I recently had some issues with my gastrointestinal tract and the specialist felt that I should go for an Endoscopy and a Colonoscopy to get it thoroughly checked out. Just thought I would share the [...]