Singapore Chartered Financial Consultant

Home
Singapore
Central Region
Singapore Chartered Financial Consultant

Call Directions Website

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. 🚀

30/10/2026

You may have savings, insurance and investments, but are they actually working together?

The 3–15–10 framework offers a simple way to review your financial foundation.

Start by building an emergency fund that covers three to six months of expenses. Keep your insurance protection within a budget that suits your circumstances. Then aim to invest at least 10% of your take-home pay with a clear purpose.

The goal is not simply to save more, buy more insurance or invest more. It is to make sure every dollar has a role in supporting your financial goals.

DM me “PLAN” and I’ll share a simple checklist to help you identify which part of your financial foundation may need attention.

This content is for general financial education only and does not constitute personalised financial advice. The figures are general rules of thumb. Insurance suitability and investment allocation depend on individual needs, circumstances, objectives, liquidity requirements, time horizon and risk profile. Investment returns and income distributions are not guaranteed.

28/10/2026

Your business can have strong sales and still face cash-flow problems.

When customers take 30, 60 or 90 days to pay, your business may still need to cover salaries, suppliers and operating expenses while waiting for the money to arrive.

That is why managing accounts receivable is just as important as growing revenue.

Trade Credit Insurance may help protect your business against covered customer non-payment and reduce the financial impact of certain bad debts.

Before focusing only on your next sale, take a closer look at how much your business is owed and what could happen if a major customer fails to pay.

DM me “INVOICE” and I’ll share a simple checklist to help you assess your receivables risk.

This content is for general business and financial education only and does not constitute personalised insurance, credit or financial advice. Trade Credit Insurance coverage is subject to the insurer’s underwriting, approved credit limits, policy conditions, exclusions, waiting periods, deductibles and claims requirements.

26/10/2026

You can choose the right investment and still lose money if you have no holding power.

Before deciding what to invest in, make sure you have a financial foundation that allows you to stay invested through market ups and downs.

Know what you are investing for, understand the risks, and give every part of your portfolio a clear purpose.

You do not need to predict every market movement. You need a system you can follow consistently, even when markets get uncomfortable.

DM me “SYSTEM” and I’ll share a framework to help you organise your financial goals, holding power and investment strategy.

This content is for general financial education only and does not constitute personalised investment advice. Investment suitability depends on individual objectives, financial circumstances, liquidity needs, time horizon and risk profile. Diversification does not guarantee against losses. Investment returns and income distributions are not guaranteed, and losses may occur.

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.

Address

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

Telephone

+6590473860

Website

https://lawrence-koh-77f7.planyourfuture.today/

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.