Farhan Samsudin

08/06/2026

In a highly competitive industry, how do you stand out from your peers and competitors?

The stereotypical methods are no longer effective:
• cold call & street roadshows
• Project 100 & warm marketing prospecting
• digital & social media marketing (increasingly saturated)

as they tend to focus on specific product(s) to pitch and close the sale.

The financial services industry is more advisory than just sales. Clients are becoming more complex in their management of wealth and finances.

Blue Ocean Strategy tends to be my fundamental review and reflection of my advisory business model. And I strongly emphasise it with my team.

Identify their Unique Value Proposition (UVP), not just USP; what they would like to be known for.

Even as I myself still get perceived as a Muslim financial & estate planner, I differentiate myself by:
• not being a proponent of “Islamic Finance”
• adopting and embracing conventional finance, while having strong basis and methodology in Shariah
• being equally competent to advise non-Muslim clients as well

My team, Averroes Wealth, is founded to be knowledge and values driven, and embracing diversity. We ensure continuous competence to advise our diverse range of clients.

What’s your Blue Ocean Strategy? If you’re still wondering, let’s have a discovery session for your clarity.

03/06/2026

A wealth infographic for the KPop fans! Inspired by aespa!

02/06/2026

I’ve posted on “H.A.R.A.M. formula of Investing” on my personal Facebook profile some time back as a tongue-in-cheek post to fellow Muslim advisers.

It anchors on fundamentals of investing that layman investors should always bear in mind.

I created it as an infographic for ease of reference.

01/06/2026

June Holiday Promo @$590*!

Secure your legacy with us. Drop us a message to book your consultation! Or email us at [email protected]

31/05/2026

Wishing everyone observing Vesak Day, a peaceful day, with time for reflection, mindfulness and calm. 🪷

May the day bring you some time to pause and unwind.

Happy Vesak Day!

30/05/2026

I have written on basic comparison between ILP and Unit Trust investing before, on my LinkedIn and pages. Thought I’d do an infographic for ease of reference.

Every product is created for a purpose; choose the one that suits your needs and objectives.

Farhan Samsudin

29/05/2026

If an “adviser” compares CPF Life with ILP, walk away. It’s not apple to apple comparison; arguably the “adviser” is doing what he needs to hit MDRT.

I’m not saying ILP cannot be utilised as part of retirement planning at all.

A true adviser recognises that CPF life serves as the foundation of retirement for Singaporeans. Akin to MediShield Life serves as the foundation for hospitalisation coverage.

ILP or Retirement plans should work on top of CPF Life. Or they work on their own, with their own timeline, framework as well as limitations.

Farhan Samsudin

29/05/2026

We hear you! Helping you to save/invest for Hajj & Umrah for as low as $100 a month.

No “lock-in”! You can withdraw whenever the need arises.

We have gathered feedback and reviewed, especially in today’s uncertain economic climate.

Your saving/investment for Hajj & Umrah can start from as low as $100 a month! Rest assured, low risk option is available.

And not to worry, there is no “lock-in”. You can pause your regular investing or withdraw your money should the need arise.

Drop us a message to enquire further!

26/05/2026

Wealth isn’t built by chance. It’s built with clarity, structure and long-term strategy.

Every family deserves a plan that goes beyond just investments:
• Protecting what matters most
• Growing wealth with purpose
• Creating a legacy for the next generation

My conversation with clients focuses on three key pillars of wealth management:
• Risk Management
• Growth Strategy
• Legacy Transfer

Financial planning is not just about numbers. It is about peace of mind, confidence and building a future your family can rely on.

If you’re ready to take a more holistic approach to your finances, let’s have a conversation.

Farhan Samsudin

22/05/2026

Investing trends that I am seeing

1. 𝘾𝙡𝙞𝙚𝙣𝙩𝙨 𝙖𝙧𝙚 𝙢𝙤𝙫𝙞𝙣𝙜 𝙖𝙬𝙖𝙮 𝙛𝙧𝙤𝙢 “𝙡𝙤𝙘𝙠𝙚𝙙 𝙞𝙣” 𝙞𝙣𝙫𝙚𝙨𝙩𝙢𝙚𝙣𝙩 𝙥𝙡𝙖𝙣𝙨 𝙙𝙪𝙚 𝙩𝙤 𝙚𝙘𝙤𝙣𝙤𝙢𝙞𝙘 𝙪𝙣𝙘𝙚𝙧𝙩𝙖𝙞𝙣𝙩𝙮.

Those who still choose investment-linked plans (ILPs) tend to have strong cashflow; the ILP is meant to be disciplined savings for a specific objective and timeline.

2. 𝘼𝙘𝙘𝙚𝙨𝙨𝙞𝙗𝙞𝙡𝙞𝙩𝙮 𝙖𝙣𝙙 𝙇𝙞𝙦𝙪𝙞𝙙𝙞𝙩𝙮

Assurance of liquidity leans clients to choose Wealth Management platforms for their investing needs & objective, even though they may not need to access their funds in the next 2 to 5 years. “Just in case” lingers in their mind.

If client opts for RSP, the ability to pause their RSP (without any charge) or to adjust RSP amount whenever necessary is an added advantage.

3. 𝙐𝙣𝙘𝙚𝙧𝙩𝙖𝙞𝙣𝙩𝙞𝙚𝙨 𝙨𝙝𝙤𝙧𝙩𝙚𝙣 𝙥𝙚𝙧𝙘𝙚𝙞𝙫𝙖𝙗𝙡𝙚 𝙩𝙞𝙢𝙚 𝙝𝙤𝙧𝙞𝙯𝙤𝙣

Due to global uncertainties, clients generally find difficulty looking beyond 10 years’ horizon. Some might struggle looking beyond 5 years, especially with back-to-back news of layoffs.

This affects even clients with strong cashflow and savings.

4. 𝘼𝙜𝙚 55 𝙞𝙨 𝙖𝙣 𝙖𝙗𝙨𝙤𝙡𝙪𝙩𝙚 𝙘𝙚𝙧𝙩𝙖𝙞𝙣𝙩𝙮

Especially for Singaporeans aiming to meet CPF minimum sum at 55, regardless of their CPF Life option (BRS, FRS, ERS).

This leads clients to consider investing their CPF-OA and even CPF-SA, under CPF Investment Scheme.

For CPF-SA, Wealth Management platforms offer wider range of funds as compared to ILPs; less than a handful of ILPs in the market cater to CPF-SA investments.

𝙉𝙖𝙫𝙞𝙜𝙖𝙩𝙞𝙣𝙜 𝙩𝙝𝙧𝙤𝙪𝙜𝙝 𝙪𝙣𝙘𝙚𝙧𝙩𝙖𝙞𝙣𝙩𝙞𝙚𝙨

Uncertainties will continue to exist in various forms while retirement is an inevitable certainty.

What is important is to take control of your finances and investments to lead towards your desired certainty: a comfortable retirement.

Farhan Samsudin