Singapore Chartered Financial Consultant

Singapore Chartered Financial Consultant 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. 🚀

12/06/2026

A 45-year-old client asked me if he should buy a new car.

I told him the real question is not whether he can afford S$2,000/month.

The real question is whether that same cashflow should go into:
• a depreciating lifestyle asset, or
• an income-generating asset that may potentially support future transport and living expenses.

Retrenchment is not just a job problem. It is a cashflow problem.

And the stronger your passive income base, the less financially destructive that risk becomes.

DM me "RESILIENCE" if you want to explore how to reduce long-term dependence on salary income with a high dividend portfolio.

22/05/2026

Most families think legacy = saving more.
That’s why they sacrifice their entire life.

Smart families use structure.
Smart families use leverage.
Smart families optimise.
Legacy isn’t about how much you save.
It’s about how wisely you design.



19/05/2026

When money is tight,
every dollar matters.
Insurance should protect you —
not stress you.
Here’s how I help clients prioritise
without overspending.



15/05/2026

Most people compare CI plans by price.
Professionals compare them by claimability.
How many times can you claim?
What happens if cancer persists?
What chronic conditions are covered?
These details decide whether a plan helps you — or disappoints you.
Save this if you want to choose wisely. ✅

Hashtag:

12/05/2026

Most people think CPF is “just retirement money.”
But used correctly, it can help you:
✔️ Pay off your home faster
✔️ Earn higher risk-free interest
✔️ Reduce tax legally
The 2026 CPF changes quietly reward those who understand the system.
I shared 3 benefits in this video that most people miss.
If you want to optimise CPF, property, tax, and retirement towards your financial freedom
message me “CPF” — let’s structure it properly.

Hashtags:


08/05/2026

As parents, we plan for school, holidays, and the future.
But many forget to plan for uncertainty.
Not because they don’t care —
But because life feels “normal”… until it isn’t.
Real love is preparation in advance.
A good protection plan is not about buying more.
It’s about making sure what you have is:
✔ Lean
✔ Efficient
✔ Comprehensive
✔ No duplicates
Most people never review this.
That’s a risk by itself.
Save this. Review it one day.

Hashtags:

01/05/2026

Many capable professionals think they’re “not sales type”
just because they’re quiet, thoughtful, or analytical.
The truth?
This industry rewards responsibility, resilience, and coachability —
not noise.
If you’re exploring a career switch and wondering if you’re suitable,
let’s have an honest conversation.
👉 Not sure if you’re cut out for sales? Let’s find out together.

Hashtags:

28/04/2026

Struggling with sales is rarely about the environment, it is about the skill. Many advisers change companies, products or branding, hoping a new place will fix their results. But if the fundamentals are weak, every new environment feels the same.

The real growth comes from mastering the craft and learning from the right mentor who can refine your skills and build confidence. When clarity improves, productivity follows.

If this perspective resonates with you and you want to grow in the right environment, message me and let’s talk.

Hashtags:










19/03/2026

A $1.07 million critical illness claim does not happen by accident. It happens because the portfolio was structured properly before the diagnosis.

With the right mix of multi stage critical illness plans and whole life coverage, one major illness does not wipe out your protection or your peace of mind. Once you are diagnosed, you cannot buy insurance again.

Message me to build a lean and strategic critical illness portfolio that protects you even after a major claim.

16/03/2026

Do not walk into a policy review without knowing what you are reviewing for. A proper insurance review should check claimability, whether your coverage matches your goals, and whether you are paying efficiently for the protection you need.

Clarity matters more than change. The goal is not to replace policies blindly, but to ensure you are not overpaying or under protected.

Message me if you want a structured portfolio review with a clear purpose.






Address

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

Telephone

+6590473860

Website

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.

Shortcuts

Share

Category