Personal Financial Advisory Services

Nurturing Financial Success for Life


At IPPFA, we believe in telling you what you need to know – not what you want to hear

We believe in being here for you at every step of your personal financial journey. Our personal financial advisers and consultants specialise in developing impactful wealth strategies and identifying effective solutions in key areas of wealth such as protection, accumulation, management and distribution to help our clients succeed financially. We offer a wide range of personal financial advisory services to accomplish this.


We aim to establish a close relationship with our clientele of working professionals and business owners so that they are always comfortable in turning to us for financial advice and solutions. And, as befitting our position as your trusted personal wealth adviser, we believe in telling you what you need to know – not what you want to hear.



Financial planning is essential to ensure that you maintain and grow your financial wealth over time. Your IPPFA Adviser will work with you to help optimise your Income and Savings so that you reach your financial goals even as your priorities change. Working with our advisers is like having a personal financial consultant offering sound financial advice every step of the way. Smart financial planning will not only provide Financial Security for you and your loved ones throughout your life and through Retirement, but also ensure that you leave an enduring Legacy for your children, your grandchildren and generations to come.


At IPPFA, our advisers consider your financial planning under our 4 Wealths Model:


Protecting what you already have and your future worth

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Growing what you have

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Optimising what you have

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Passing on what you have

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Financial planning



Nothing is guaranteed in life. Even with the best-laid plans, accidents and illness can strike when least expected. It makes sense to be financially covered if and when they do. In the unfortunate event of an accident or debilitating illness, or loss or damage to your personal possessions, you want to make sure that you and your family remain financially secure. Your IPPFA Adviser will give you sound financial advice at every stage of your journey.

Your personal financial adviser will assess your needs based on your current situation, your dependants, your assets and your existing coverage to make sure that, in the event of premature death, total and permanent disability, long-term medical illness, loss or theft, your family’s standard of living is not compromised.

Put into context with your overall financial plan, your IPPFA Adviser will recommend the right amount of life, health, home, car and possessions insurance, balanced with long-term savings and investments to help keep your loved ones protected while creating a substantial financial estate.

Investment planning



Inflation is a fact of life. Even the most prudent saver cannot stop accumulated funds from depreciating in value over time when interest rates fail to rise above inflation. In short – you need to invest to see your money grow over time.

At IPPFA, you have access to a qualified adviser backed by a team of Investment Specialists, who are dedicated to giving you expert advice and support to help you grow your money and meet your investment goals. By investing with set objectives in mind, you can buy that home, yacht or car, put your children through college, travel the world, or otherwise live out your dreams.

Your IPPFA Adviser will first assess your investment objectives and risk profile before coming up with a plan designed to suit your risk appetite and meet your financial goals within a given time span. Your personal financial adviser will help you determine the investible proportion of your current savings and monthly income and calculate the return needed to help you meet your objectives in time.

The IPPFA organisation has been advising clients in the areas of investment planning and asset allocation since our founding in 1983. Our comprehensive range of Investment Management services include:

  • Strategic and Tactical Asset Allocation
  • Investment Selection
  • Risk Exposure and Risk Mitigation Techniques
  • Portfolio Optimisation
  • Portfolio Monitoring and Portfolio Rebalancing
  • Regular Savings Plan

Education planning


When your children are at the age to enter tertiary education, they reach a point where the right decision could determine their success for the rest of their lives. Naturally, as their parents, you want to make sure that you have the financial means at that point to give them the best education money can buy.

It makes sense to start planning for that education early, especially given the rising costs of both local and overseas tertiary education.

Your IPPFA Adviser can help you determine how much you are going to need for each child, taking into account inflation and the projected costs of education, and how you are going to achieve the desired sum at the required time. With the right plan in place, when your children are ready for a university education, the funds will be available.

Retirement planning



Retirement may seem a far-off event, and planning for it can pose a challenge when life’s more immediate priorities demand your hard-earned cash. Add to that the impact of inflation on your accumulated savings, and what you have managed to save by the time you retire will not have the same spending power then as it does today. The reality is that most individuals are not planning adequately for their retirement, especially as people are living longer and could spend as much as half of their life in retirement.

CPF funds and corporate pensions are often insufficient to provide the retirement income needed for you to be able to maintain your present lifestyle indefinitely when you stop working. The earlier you start planning for your retirement, ideally as soon as you start working, the more wealth you will be able to accumulate to live out your golden years in comfort.

Your IPPFA Adviser will sit down with you and assess your current financial status, taking into account the passive income generated from your other investments and the kind of lifestyle that you want to lead in your golden years, and will recommend a plan to ensure that you stay on track to meeting retirement goals.

Legacy Planning



Legacy planning ensures that your wealth is seamlessly passed on to future generations according to your wishes. Your IPPFA Adviser will work with you and your lawyer to keep your estate plan up to date through changing economic and family circumstances, protecting the assets you wish to leave to your beneficiaries.

Supported by IPPFA’s comprehensive range of strategies and solutions, we will advise you on optimising your assets to ensure that you leave behind a lasting financial legacy for those who come after you. 




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Financial Planning FAQ

What does a financial adviser do?

In the context of Singapore, a licensed financial adviser is allowed to conduct regulated activities under the Financial Advisers Act (FAA). This includes helping clients develop wealth accumulation,protection and management strategies through comprehensive planning and meticulously curating service. Financial Advisers like IPP Financial Advisers are represented by Financial Adviser Representatives (FAR).

What is financial planning and how does it work?

Financial planning is the process of working out your short- and long-term financial goals, such as raising a child, owning a house or retirement, and what you can do to achieve that. Financial planning also takes into account planning for unforeseen circumstances that could affect your ability to achieve your financial goals. You can chart out your financial plan yourself, or engage the help of a professional adviser.

What is the first step to financial planning?

Besides knowing your financial goals, the first step to financial planning is to understand your current financial situation, such as the total available liquid assets you have for investing. This can be a complicated process, but our advisers at IPP Financial Advisers will be able to help you out.

What are the objectives of financial planning?

The purpose of financial planning is to develop a workable action plan to achieve your financial goals. These can be short-term investment goals, or long-term goals such as saving for a child’s education, a home, or your retirement. Other aspects of financial planning include portfolio optimisation, insurance planning or legacy planning. Having a solid financial plan will provide you with financial stability and a peace of mind.

What is the difference between financial planning and wealth management?

Both financial planning and wealth management have many similarities, but while financial planning encompasses a more holistic approach to achieving your financial goals, wealth management is more focused on managing your existing assets. This includes protecting, growing and preserving your wealth.

What is the difference between wealth management and asset management?

Asset management is primarily concerned with managing investments, and is a part of wealth management. Wealth management encompasses asset management, but also includes legacy planning, philanthropic giving and more.

When do you need a financial adviser in Singapore?

A financial adviser can be beneficial at just about any point in life. Some experts say it makes the most sense to hire a financial adviser once you’re able to start saving a significant portion of your income. Others say a good time to engage a financial adviser is when you’re at a crossroads in life, experiencing a major change in your life or unsure of the direction you want to take. Here at IPP Financial Advisers, we can help you at any stage of life – regardless of your situation.

What fees does a financial adviser charge?

Different products usually have different types of fee structures. The costs and fees of financial advisory services can vary greatly depending on your stage of life, the size of your portfolio, and the specific services you need most. Reach out to an IPP Financial Adviser Representative to get an idea of how much these services will cost.



While life offers no guarantees, it is good to know that you can protect yourself and your loved ones with a comprehensive range of insurance solutions available at IPPFA.

Life insurance


Life insurance can comprehensively meet most of your financial objectives at every stage of your life. Apart from providing financial security against life’s unforeseen situations, it can also serve as a wealth accumulation and wealth distribution tool.

IPPFA has access to one of the widest selections of insurance providers globally, enabling us to provide objective recommendations to our clients.


Your personal financial adviser will conduct a detailed analysis of your financial and lifestyle circumstances, taking into consideration your existing coverage and available resources, before making recommendations to meet your needs.

Health insurance


When you are healthy, it is not easy to appreciate the devastating impact that an accident and critical illness can have on your life and your family. In addition to the rising cost of medical treatments, consider the financial consequences of permanent or temporary loss of income due to the inability to work, should you be hospitalised. When you or any of your loved ones are ill, the last thing you want to be thinking about is your financial security.

Your IPP Adviser can help you put in place the necessary plans, now that you are healthy, to ensure that your medical expenses are taken care of should you need medical treatment down the road. Discuss the many options with your Adviser, who will consider any current healthcare coverage provided by your employer as well as your Medisave contributions and your Medishield Life policy before making any recommendations. You will find that most health insurance and personal accident policies will pay the expenses for medical treatment. Others may make regular cash payouts for each day you are not able to work or are hospitalised. Some might even pay for long-term nursing care and out-patient treatments as you make your recovery.

General Insurance


You’ve worked hard over the years to create a home for you and your loved ones filled with possessions that have financial and sentimental value – the very things that make your house your home. Personal General insurance gives you peace of mind knowing that should your possessions be stolen, lost or damaged through an insured event, you will be able to make repairs and replacements without incurring devastating financial losses.

Ask your IPPFA Adviser about our extensive range of coverage including Home and Home Contents and Motor insurance as well as Travel insurance, which will continue that protection as you travel outside of Singapore.


Insurance selection PROCESS


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Investing with limited knowledge, experience or time to manage your investments in an ever-changing market environment could be the quickest path to losing a substantial portion of your wealth. By engaging an investment professional, you will have greater certainty of meeting your wealth accumulation goals. Your IPPFA Adviser will provide you with sound investment and financial advice every step of the way.

Investment Management


At IPPFA,our advisers work closely with our investment team, who provides them with robust research on the latest developments in global economies and markets. Taking this information into consideration, along with your risk appetite, your financial goals and your investment timeframe, your IPP Adviser will determine an investment portfolio designed to meet your objectives. We will monitor this regularly to ensure that your portfolio stays aligned to your long-term investment and financial goals.

Depending on what is most suitable for you, discussions with your IPPFA Adviser could include:

  • Strategic and Tactical Asset Allocation
  • Investment Selection
  • Risk Exposure and Risk Mitigation Techniques
  • Portfolio Optimisation
  • Portfolio Monitoring and Portfolio Rebalancing
  • Regular Savings Plan




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Ready to redefine your financial horizon? Speak to us today and experience financial planning as it should be.

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