I recently completed an intensive wealth management training by the International University of Monaco. Continuously sharpening my expertise is essential to helping clients navigate today's complex financial landscape. Here are my key takeaways from the FUTURA Learning Programme on adapting to the future of wealth: 1. The "Monte-Carlo Experience" as a Blueprint for Value Monaco [...]
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 we have become too uncomfortable with not knowing. We want certainty before changing direction. Proof that our efforts will pay [...]
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, I sometimes hear: “Cancer treatment shouldn’t take that long. Why would I need so much coverage?” But I think we [...]
“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 elderly parent with dementia. Her parent is still mobile enough to move around independently, but no longer able to fully [...]
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 thousands of deliberate repetitions—practising, reviewing and refining the small details that most people never see. I have been in financial [...]
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. When we met, I expected our conversation to revolve around investing—because that is usually what excites young adults most. Instead, [...]
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 not just 5 or 10 years ahead, but 50, 70, even 100 years into the future. It sounds impressive. But [...]
$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 larger apartments.The headline figures will understandably attract attention. But to me, the more important conversation is not whether this particular [...]
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 I invest my CPF to get higher returns?”“Why leave money in CPF at 2.5% when I could potentially earn more [...]
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. This gives workers the assurance that they can continue working at least till 64 if needed. Secondly, this will impact [...]
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