Breaking the Silence: Let's (Continue) to Talk about Wills Approximately 48% of Singaporeans do not have a will. *Source: 2022 survey, St James's Place Singapore If you die without a will, the law—not you—decides who receives your estate. Definitions intestate /ɪnˈtes.teɪt/ without a will testate /ˈtes.teɪt/ with a will Intestate Succession Act 1967 *applies to Non-Muslims Without a will, your estate will be distributed according to the 9 rules stated in the Act, instead of y

Human expertise or digital efficiency? Which option will you choose? The Adviser: Your Personalised Guide A human financial adviser offers tailored advice while considering your unique life situation, emotional responses to market changes, and long-term goals. They provide a holistic approach to your financial life. Ideal for complex financial situations and those who value a personal connection. Pros of having a personalised guide Holistic Planning: Comprehensive strategies

In Singapore, the term 'financial adviser' is often associated with individuals who prioritise sales over genuine client care. However, a truly dedicated financial advisory team stands apart, committed to guiding clients towards their life goals with integrity and expertise. Here are 5 green flags that distinguish an exceptional financial adviser: Brings diverse insights They leverage knowledge from various experts to enrich multiple facets of your life, not just your finance

Debunking the 'Rich People Only' myth Thought: Only rich people with disposable income need financial advisers. Fact: Financial planning is not about having wealth; it's about building it. Thought: I'll start when I have enough. Fact: The key is to start where you are. Whether it's $500 or $5,000 a month, the principles of 'budgeting, protection, and compounding' are the same. Thought: Now's not the right time. Fact: Waiting until you're "rich" to start planning is like waiti