Expat Wealth At Work -

Before becoming a client, it is crucial that a financial consultant clearly outlines their fees. We prioritise transparency and make sure you fully understand any costs associated with our services. We are pleased to break everything down for you, ensuring clarity from the start.

Our initial consultation is completely free! Unlike some financial advisors who charge by the hour, we operate on a performance-based model. We will explain this clearly upfront, so you know exactly what to expect before proceeding.

Additionally, as a wealth management and high-net-worth investment management service provider in Singapore, we do not accept commissions from product providers.

As a trusted and highly rated financial consultant, we are proud to offer a range of services and confirm our status as an independent financial advisor. When we say “independent,” we mean it in the truest sense, as defined by financial regulators.

Being truly independent means we can offer unbiased advice and present a wide selection of investment products, enabling us to provide you with recommendations based on a thorough and fair assessment of the entire market.

In contrast, a’restricted’ financial consultant usually has a limited choice of investment products or works with only a select group of providers, which can compromise the objectivity of their advice and restrict your options.

To be clear, Expat Wealth At Work is an independent investment advisor committed to offering expert financial advice to expats across Asia, the Middle East, Europe, and Latin America. As independent financial planners, we are dedicated to ensuring you receive the best possible advice, free from any external influence.

Financial planning is primarily focused on you and your financial situation. A financial consultant will thoroughly assess your current financial standing, including elements like pensions, investments, savings, and assets. They will also explore your goals for both the short and long term. With this detailed understanding, they will develop a tailored financial strategy that suits your unique needs.

It’s crucial to involve your spouse or partner in the process, as many financial plans are joint, and there may be potential tax advantages to consider. Remember, with careful financial planning and expert wealth management, your consultant can help you make the best decisions for your financial future.

A financial plan acts as your roadmap, created by your financial investment advisor, to guide you from your current financial position to your desired goals. It outlines the steps you need to take, weighing different options and risks along the way. It should encompass all the key areas that matter most to your financial future.

At Expat Wealth At Work, we begin by focusing on what is most important to you. Here are some of the key areas we’ll cover in your plan:

• Goal Planning
• Retirement Planning
• Income Planning
• Cash Flow Analysis
• Savings & Investment Planning
• School/University Fee Planning
• Tax Planning
• Inheritance Tax Planning
• Financial Forecasting
• Financial Organisation & Budgeting
• Emergency Fund
• Disaster Planning
• Contingency Planning
• Life & Critical Illness Protection
• Financial Protection
• Property Planning
• Family Financial Planning
• Older Age & Estate Planning

Having a financial plan in place significantly increases your chances of achieving your goals. Money plays a vital role in providing you with more options and the ability to reach your life goals. That is why creating a comprehensive financial plan is essential.

A well-structured financial plan helps you stay focused on what actions are needed to achieve your objectives while also identifying any barriers you may need to overcome. Keep in mind that cash flow modelling and financial planning involve assumptions about growth rates, inflation, and spending patterns, and these may not always play out as expected. It’s important to regularly review your plan with a financial advisor to address any potential shortfalls and make adjustments as necessary.

Absolutely! We are here to support you, and your peace of mind is our priority throughout our partnership. If you have any questions or concerns, feel free to contact us by phone or email. Our team of accountants and financial advisors is committed to responding promptly and providing you with the highest level of service.

We usually review your financial plan on an annual basis, though the frequency may vary depending on your specific needs and the level of service you select. We recognise that every client is unique, which is why we customise our financial planning and wealth management services to suit your individual circumstances.

Not at all! We aim to provide exceptional value, and our goal is for you to stay because you’re satisfied with our service. However, you are always free to leave at any time. During our initial meeting, our financial planning experts will explain that financial planning is a long-term, personalised process. Your plan will evolve alongside your life, and we will be here to guide you every step of the way. Most of our clients choose to stay with us, and we genuinely hope you’ll continue to work with us too!

Absolutely! Regular reviews are a key part of our service. For instance, with our wealth management offering, we conduct an annual review to assess the performance of your financial investments and discuss any changes in your circumstances that may impact your finances. With your consent, we will offer updated advice on your investment plan, risk profile, and providers, along with a detailed report explaining any changes.

Our accountants and financial advisors will also review your specific situation, including tax rates, allowances, income, and expenses. We ensure you’re making the most of tax-efficient strategies, which may involve adjusting your income arrangements or reorganising savings. If you choose our ongoing service, we’ll walk you through all available options to ensure you’re fully informed.

Certainly! We will work closely with you to ensure that your retirement plan is secure, effective, and tailored to your needs. By getting to know your financial situation and personal goals, we’ll create a bespoke plan just for you. Our retirement planning advisors will guide you through the process, using cash flow modelling and forecasting to ensure a smooth transition into retirement. We also stress-test the plan to ensure it remains resilient to any unexpected changes. Many of our clients begin without a clear retirement strategy, but with our guidance, we will help you prioritise what matters most to you and your family, setting you on a clear path to a fulfilling retirement.

At Expat Wealth At Work, we begin by getting to know you and understanding your priorities. During our first meeting, we’ll focus on the goals that matter most to you, which are often related to your finances. From there, our financial advisors will create a personalised wealth management plan, outlining clear steps to help you achieve your major objectives and dreams.

We will guide you through our process to understand the best approach for advising you and selecting the right investment or savings products for your needs. As an independent financial planner, we’ll discuss your current situation, your goals, your comfort level with risk, and any upcoming life changes. Our focus is on helping you achieve your objectives, not selling products. The advice we provide is always impartial and designed to create a tailored plan that works specifically for you.

If you’re still searching for answers, feel free to explore other sections of our website. Should you have any further questions, we’re here to help! You can reach us through live chat for a quick response from our financial advisors, or simply email us, and we’ll get back to you as soon as possible.