Capped client book. Direct mobile.

I have been an independent adviser since 2014. Before that, eight years inside two large insurers, which is where I learned the products and the tricks of the trade.

I work with around seventy families and twenty business owners. The book is intentionally capped — I want every client to have my mobile number and use it.

I am registered with MAS as a Representative under a licensed FA firm. Audited annually by the firm's compliance team.

The mechanics: every new client begins with a 2-hour policy review (SGD 350, refundable if you proceed). You bring all your existing policies. I review them with you: what each does, where the gaps are, where there's overlap. You leave with a written summary. From there you can decide what (if anything) to act on.