Singapore Finances

Singapore Finances To empower both Financial Advisors and Public the importance of Financial Planning.

Our Mission is to promote Transparency, Honesty and Integrity in Financial Planning. We will be the premier option consumer seek for Legacy Planning knowledge and a platform providing insight advisors need to make informed decisions about their business and the clients they serve. We will be the Channel invigorating you with the tools you need to better equip yourself in the financial planning world.

25/05/2026

This is what I call “Professional”.
What defines an expert?
Some people say, a true“professional” person usually has these traits:
1️⃣ Doesn’t waste time
2️⃣ Gets straight to the point
3️⃣ Always has a solution
Recently, someone shared with me an experience of what was described as “Professional”.
Flavours changed when the seemingly Professional act:
- Entertaining client in a “high-class” settings.
- Taking notes by a lady personal assistant
- “Active listening”
- Avoiding small talks
went beyond the scope of work; financial advisory.
To the extent—
- Clients with pre-existing health concerns,
- May also have the opportunity to bypass underwriting through “special solution”.
o Mysterious little pills that supposedly can “help improve underwriting outcome”.
When I got to know about it, my first reaction wasn’t shock.
It was more of:
Does clients know what kind of deal are they taking on?
Insurance underwriting has always been built on the core principle:
full and honest disclosure.
If anyone tries to make the results look “better” by influencing test outcomes, or worse,
consuming unknown medication without doctor’s recommendation…
What happens if a claim occurs in the future?
Where insurers start reviewing medical history, test records, and medication history—
It is then client realise that:
- Their efforts in trying to get successfully insured back then, may have unknowingly exposed themselves to future claim disputes or even claim rejection.
- Worst still, what are the side effects of taking unknown medication?
- 20 years down the road, will the Professional still be around?
Realistically, if anyone is so brave to mimic Shen Nong (Divine Farmer), why are they not brave enough to accept the underwriting outcome?
What may “work” in the near term, may come back to haunt later; e.g Health consequences.
Who will be the one paying the bill?
Even more importantly—
- Adjusting body indicators
- Influencing medical results to work around underwriting guidelines
- Subjecting clients to future consequences
I do not know if professionalism is about looking nice above table but doing SHxT underneath.
It’s when questionable practices are packaged and sold as “professional service”.
So here’s the question:
1️⃣ If you are an industry practitioner,
What are your thoughts on such the story above?
Have you ever had clients sharing similar experiences with you?
2️⃣ If you were the client,
Would you take such a risk just to improve your chances of getting insured or to get a cheaper rates?
Curious to hear your thoughts.
Leave a comment below.
Disclaimer:
1. This post reflects personal opinions and general discussion only.
2. It is not directed at any individual or organisation.
3. All examples referenced are anecdotal and unverified.
4. Insurance applications should always be based on truthful disclosure and compliant practices.

12/07/2025

UT 101

One bad stock could sink your portfolio.
Is Unit Trust the solution?
Here’s the truth in under a minute.

11/07/2025

基金101

买错一只股票你可能亏光
但UT分散风险真的安全吗?
一分钟带你看懂UT背后的逻辑!

#投资误区 #新手理财 #单位信托 #风险管理 #理财知识

10/07/2025

Wakeup Your Monies

Don’t let your money sleep for 30 years.
FD vs Inflation — are you actually earning or just losing slower?

Disclaimer:
- errors and omissions excluded
- do consult a professional before making any financial decisions


09/07/2025

让钱动起来

钱放床底 30 年,不如早点让它动起来。
别以为定存就能抗通胀,现实远比你想的还可怕。

免责声明:
- 排除错误与遗漏
- 在做任何理财决定前,先于专业人士沟通


#理财知识 #通货膨胀 #定存 #新加坡理财

05/07/2025

为什么有些人总是迟到?

守时不仅是时间管理,更是对人的尊重.
别让任何人浪费你的时间。

#尊重时间 #销售人生 #守时很重要

05/07/2025

Where are some perpetually late?

Punctuality isn’t just about time.
It’s about respect.
Don’t let anyone treat your time like it’s cheap.

03/07/2025

YeeMee-logy

My favorite Zi Char stall—everything changes because of a new chef.
After your business stabilizes, do you have a backup plan?

03/07/2025

伊面悟道

我最爱的煮炒档,居然变味了…
只是换了个厨师,整个体验就不一样了。
生意稳定后,你有备用方案吗?

#熟悉的味道 #顾客体验 #品牌与质量 #后备方案

01/07/2025

你说的算吗?

事情发生时,
你的遗产会按你的意愿分配,
还是按照法律规定处理?

 
#遗产规划 #留给对的人 #法律与现实

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