Singapore Chartered Financial Consultant

Call Directions Website

Singapore Chartered Financial Consultant Hi, I’m Lawrence Koh—an SG FA Rep with 15+ years’ experience helping clients optimize their wealth, reduce waste, and build passive income.

I empower PMETs to achieve financial freedom through a 3-stage plan: optimize, grow, and convert into income. 🚀

23/10/2026

Your salary pays your bills, but what happens when it stops?

Savings can buy you time, but building additional income sources may give you more options when your circumstances change.

The key is to understand the difference between predictable income and investment income that comes with market risk.

A higher payout does not always mean a better strategy. What matters is whether the income fits your needs, how sustainable it is, and how much risk you are taking to receive it.

DM me "CHOICE" and I'll share a framework to help you assess your income needs and explore suitable passive income strategies.

This content is for general financial education only and does not constitute personalised financial or investment advice. Product guarantees, income rates and benefits vary according to the relevant terms and conditions. Investment values and distributions are not guaranteed, may fluctuate and may include distributions from capital.

21/10/2026

You may be new to financial advisory, but you are not starting from zero.

Switching careers mid-way through life comes with real challenges, especially when you have financial commitments and a family to support.

But your previous experience, communication skills and professional relationships can become valuable strengths in your new career.

The key is knowing how to use those strengths, identifying the skills you still need to develop, and having the right guidance as you build your practice.

I made the switch myself 16 years ago, and today, I want to help others navigate that same journey with greater clarity.

DM me “SWITCH” if you’re considering a career in financial advisory and want to have an honest conversation about your next steps.

This content is for general career education only. Entry into the financial advisory profession is subject to applicable regulatory, licensing and company requirements. Career suitability, progression and income outcomes depend on individual circumstances, competency, market conditions and other factors.

19/10/2026

Buying insurance in your 20s can be a smart move, but getting the right coverage matters more than buying early just for the sake of it.

Before committing, understand what you’re protecting, what the policy actually covers, and whether you can afford to maintain it as your responsibilities grow.

The goal is simple: protect your future without putting unnecessary pressure on your finances today.

DM me “COMPARE” if you want to understand what to prioritise before choosing a policy.



Disclaimer: This content is for general financial education and does not constitute personalised financial advice. Insurance suitability depends on individual needs, financial circumstances and objectives.

16/10/2026

Which passive income strategy would you rank higher?

Some offer regular income but come with higher risks. Others prioritise stability, while some trade liquidity for lifelong payouts.

There is no one-size-fits-all answer. It depends on what matters most to you: income, risk, liquidity or capital protection.

Which ranking would you change? Let me know in the comments.

09/10/2026

Your first year as a financial advisor is not just about learning products.

It is about figuring out who you want to serve, what you want to be known for, and how you want to build your practice.

Without a clear identity, every rejection can feel personal.

With one, you can start seeing patterns, improving your approach, and building a career that is actually sustainable.

What do you want to be known for?

05/10/2026

A higher salary can give you more options. But it can also create more commitments.

The more you earn, the easier it can be to upgrade your lifestyle, take on bigger expenses, and still feel like you are running out of money.

The better question is not just, “How much do I earn?”

It is, “What is my money actually giving me?”

More time? More flexibility? More financial security? Or simply a more expensive lifestyle?

Good financial planning is not only about earning more. It is about making sure your income supports the life you actually want.

02/10/2026

A joint account may look convenient, but if intention is unclear, it can become a family dispute after death.

The lesson from Tan Seng Pow v Tan Seng Hock is simple:

Do not just ask, “Whose name is on the account?”

Ask, “What was the intention?”

Estate planning is not only about a Will. It is about aligning your bank accounts, CPF nomination, insurance nomination, property ownership, LPA, and family expectations.

Joint account gives access.
Estate planning gives clarity.

General education only. Not legal advice. Please consult a qualified lawyer for legal drafting or estate disputes.

30/09/2026

Many people judge ILPs only by cost.

But financial planning should not be silo thinking.

Before deciding whether an ILP is suitable, ask:

1. Do I want an additional death benefit layer attached to my investment plan?
2. Do I want my investment plan to continue if early critical illness affects my income?
3. Do I want clearer distribution planning through nomination or estate planning?

ILP is not automatically good.

Investment platform is not automatically better.

Both are tools.

The right question is:

What outcome am I planning for?

DM me “OUTCOME” if you want to review whether your current investment structure matches your intended financial outcome.

Educational content only. This is not personalised financial advice. ILPs are investment-linked insurance policies and may involve fees, charges, investment risks, and policy sustainability considerations. Benefits, riders, death benefit structure, and nomination outcomes differ across policies. Please review the product documents and seek advice based on your needs.

28/09/2026

Retrenchment at 48 can affect more than your income.

It can change how quickly you’re able to build towards retirement, especially when your regular contributions stop but your financial commitments continue.

That’s why planning for an income gap before you need it matters.

The goal isn’t to predict when retrenchment might happen.

It’s to make sure your financial plan has room for it.

Send me a message if you’d like to review how prepared your finances are for an unexpected career gap.

25/09/2026

Most people think investment return only comes from the market.

But sometimes, your first "return" can come from better tax planning. 💼💡

For Singapore Citizens and PRs, SRS contributions are capped at $15,300 per year. If you are already in a meaningful tax bracket, contributing to SRS may reduce your taxable income and create immediate tax savings.

Example: if your marginal tax rate is 7%, a $15,300 SRS contribution may save around $1,071 in tax. That is before investment return is even considered.

But SRS is meant for retirement planning, not short-term cash flow. Understand the withdrawal rules before using it.

For more simple financial planning concepts, you can also refer to the MoneySense Basic Financial Planning Guide.

Educational content only. Not financial advice.

Address

7500A Beach Road, , #02-312, The Plaza
Central Region
199591

Telephone

+6590473860

Website

Alerts

Be the first to know and let us send you an email when Singapore Chartered Financial Consultant posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category