Work-optional starts with a plan.
I help working professionals turn their goals into a clear plan, whether that's becoming work-optional, funding your children's education, or starting to invest with confidence. You get real numbers, a timeline, and simple investing that runs quietly in the background.
From Confusion
to Clarity
Some years ago, I walked away from teaching without a job lined up. The burnout was real, and my body desperately needed a reset.
I saved money every month and thought that was enough, with no debt and a lifestyle that felt sustainable. But when I finally paused to look closely at my finances, the reality was startling: after nearly 7 years of full-time work, I had less than $10,000 in my bank account.
That was the wake-up call I needed.
Back in the classroom, I could give my students model answers to help them pass their exams. In real life, there was no answer key. I had to build my own financial foundation from scratch:
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I studied CPF and SRS policies to figure out how to integrate them into retirement planning
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I audited and streamlined my insurance coverage to stop overpaying for policies that were not suitable for me
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I paid hefty fees to the market in my early investing years before discovering systematic, evidence-based portfolio management
Today, I know exactly how my money is working for me, and that's the peace of mind I want for you. If you'd rather skip the expensive mistakes and work with someone who has already learned those lessons firsthand, I'd love to help you get started!
What you'll walk away with
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A clear picture of your priorities: a summary of your most important goals.
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Your financial snapshot: your current cash flow and net worth.
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A step-by-step implementation plan: real numbers, projections, and a timeline to reach your goals.
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A realistic range of investment outcomes, not a single number
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Your asset allocation and funds, explained simply.
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Optional insurance review: a 2-page summary showing what you own (page 1) and what you pay for protection each year (page 2).
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Set-up support: we'll open your accounts, automate GIRO for investments, complete the necessary forms, and walk through your plan summary together.
How it works
Phase 1: Build your plan
Most clients need 2 - 3 meetings to finalise their plan, then 1 - 2 more to get everything in place. Depending on complexity and schedules, this takes a few weeks to about 3 months.
1. Unpack your values and
life goals
We start with what matters most in your current season of life, focusing on 1 – 2 core goals to build momentum.
3. Map out the numbers
We translate your goals into concrete numbers so you can see exactly what it takes to reach them.
2. Understand your financial picture
We look at where you stand today: cash flow, net worth, and your relationship with money.​
4. Put your plan into motion
We set up accounts, run through the forms together, and go through your plan summary so you know what every dollar is working toward.​
Phase 2: Stay on track
5. Regular check-ins
Life changes, and your plan should adapt with it. We’ll meet on an agreed schedule to make sure you stay on track.
6. Ongoing sounding board
Financial decisions don't only happen at review time. Reach out whenever something changes or a question comes up.
How I approach investing
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Globally diversified: your money is spread across many markets and companies worldwide.
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Low cost: I keep costs down, because every dollar in fees is a dollar you don't keep.
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Grounded in research: portfolios are built around the areas of the market that long-term evidence associates with higher expected returns.
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No market timing: we stay invested through ups and downs instead of guessing when to get in or out.
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No outcome is guaranteed, but the approach is designed to be steady and sensible.
What it costs
The intro chat is free, with no obligation to continue.
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If we work together, I charge an ongoing fee based on a percentage of the assets you invest with me. It covers your plan, regular check-ins, and ongoing support. I'll share the exact figures in our first chat, so there are no surprises.
Insurance: the review is free. If you decide to get a plan through me, the insurer pays me a commission. I'll tell you if you're well covered or if something can be streamlined, and if you already have someone you're happy with, you're welcome to keep things that way.
This is for you if:
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You want to know what it would take to work less or reach work-optional, whether that's a few years away or further out.
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You want your money aligned with your life goals before choosing financial products.
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You want an adaptable plan and ongoing support as life changes.
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You're open to honest advice and a two-way conversation.
This is NOT for you if:
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You are looking for "the best fund" to beat the market.
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You want to time the market or trade individual stocks.
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You just want the cheapest product rather than a holistic life plan.
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You want a quick one-off transaction instead of an ongoing partnership.
Get Started
1. Message me on whatsapp
2. We'll have a free intro chat (30 - 45 minutes) to see if we're a good fit and check that expectations line up, especially on investing. I'll share the cost of working together in that chat.
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3. If it feels right, we begin Phase 1.