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8 Best Singapore Financial Planners in 2024

singapore financial planners

The COVID-19 pandemic has served as a stark reminder of the importance of financial management. It has shown us that life can change in an instant, causing significant changes to our financial stability. Now, in 2023, as we face rising inflation and a higher cost of living, managing our finances effectively has become more crucial than ever.

But first, you need to diagnose your financial situation. This is where a financial planner becomes indispensable as they can conduct a wealth check-up to determine your financial health. They can identify the true picture of your current assets, liabilities, income sources, and expenditures. With this knowledge, they can create a comprehensive financial plan tailored to your specific needs and goals.

To help you get started, we have curated some of the best Singapore financial planners. Whether you’re looking to invest, save, or secure your future, these financial planners can provide the guidance and strategies you need to achieve your financial goals.

Benefits of Working With a Financial Planner

1. Assess Your Current Financial Situation

Financial planners will look at your overall current financial situation to understand your financial health. Plus, they can identify roadblocks that are preventing you from achieving success.

2. Set Achievable Financial Goals

They will consider your current financial capacity, future goals, risk appetite, and current financial commitments to help you set goals that are achievable.

3. Create a Customized Financial Plan

Working with a financial planner also means you’ll be provided with a comprehensive and realistic financial plan. This may involve budgeting, investing, saving, tax planning, and other financial strategies.

4. Monitor Your Investments

Another key advantage of working with a financial planner is their ability to continuously monitor your investments and align them with your financial plan. They regularly review the performance of your investments in relation to your financial goals, making necessary adjustments to keep your plan on track.

5. Accountability

Unlike when you do it yourself, working with a planner makes you more accountable. These financial experts can help you stay on track while providing guidance and support throughout your financial journey.

How To Choose a Financial Planners

In choosing these financial planners, we took into account the following criteria:

1. Qualifications

Financial planners must be licensed by the Monetary Authority of Singapore (MAS) under the Financial Advisers Act. This indicates that the financial planner has undergone rigorous training and adheres to professional standards.

2. Experience

The top financial planners listed below have more than a decade of experience in the industry. They have dealt with the changing market conditions as well as different financial scenarios. As such, they can quickly adapt and provide insights based on their real-world knowledge.

3. Fees

Fees will vary per financial planner and the services they provide. However, a good financial planner should be transparent about their fees and how they are paid.

4. Customer Reviews

Customer reviews can provide a wealth of information about a financial planner’s quality of service. We have curated the top-rated financial planners that speak to their professionalism, communication skills, and ability to deliver on their promises.

Top Financial Planners in Singapore

Financial Planner Best for Main Services
Global Financial Consultants (GFC) Those seeking customized financial planning and comprehensive advice Wealth Management, Investment Advisory, Retirement Planning
MoneyOwl Tech-savvy individuals looking for a blend of human advice and digital tools Robo-advisory, Wealth Investment, and Estate Planning
Providend Individuals seeking a fee-only approach to financial planning Wealth Management, Investment Management, Estate Planning
Prudential Singapore Individuals seeking comprehensive insurance and investment solutions Financial Planning, Personal and Family Insurance, Legacy Planning
Karen Tang Certified Financial Planner Individuals looking for personalized, one-on-one financial planning Wealth accumulation and protection, Comprehensive Financial Planning
HL Assurance Individuals seeking a broad range of insurance solutions Life Insurance, Health Insurance, Car Insurance, Travel Insurance
Synergy Financial Advisers Wealth-focused individuals looking for tailored wealth management strategies Wealth Management, Investment Funds, Health and Disability Insurance
SingCapital Pte Ltd Individuals seeking holistic financial advisory services Financial Planning, Wealth Management, Insurance Advisory, Investment Advisory

Global Financial Consultants

1. Global Financial Consultants (GFC) – Best for Customized Financial Planning

First established in Sydney, Australia in 1977, The Global Financial Consultants (GFC) is now a leading financial advisory firm with a strong presence in Singapore. This firm is known for providing a comprehensive suite of financial services, including education planning, retirement planning, CPF investment, and more. They are also known for providing excellent pension plans for seniors as well as legacy and succession planning.

Price Range:

  • Reach Out to GFC for a Price Quote.


  • Savings & Investments
  • Insurance & Protection
  • Education Planning
  • Retirement Planning
  • CPF Investment
  • Legacy & Succession Planning
  • Tax-Effective Strategies

 Contact Information:



2. MoneyOwl – Best One-stop Service Platform For Financial Planning

Both a financial adviser and fund management company, MoneyOwl is licensed by the Monetary Authority of Singapore (MAS). They are also the 1st Bionic Financial Adviser in Singapore, meaning they use technology integrated with complex financial models to create customized financial plans. If you want a human connection, don’t fret! They also have a team of financial advisers who can help you.

Price Range:

  • Starts at S$99 (Introductory Offer) for Comprehensive Financial Planning. Visit Their Website for a more Thorough Breakdown of Advisory Fees.


  • Financial Planning
  • Insurance Coverage, Including Life And Health Insurance as well as Retirement Income Insurance
  • Investment Management
  • CPF Portfolios

Contact Information:



3. Providend – Best For Wealth Management

A mid-sized, professional practice firm, Providend is an independent wealth adviser and fund management company licensed by the Monetary Authority of Singapore. They are also the first fee-only financial advisory firm in Southeast Asia.

They offer a wide range of financial planning solutions, including wealth management and estate planning. With a team of professionals, they can develop a long-term, comprehensive financial plan to achieve your goals.

Price Range:

  • One-Time Planning Fee of S$5,000; Ongoing Advisory Services can Range Between 0.5% And 1% P.A. of the Investments.


  • Wealth Management
  • Investment Management
  • Risk Mitigation Planning
  • Estate Planning

Contact Information:



4. Prudential Singapore – Best for Personal, Family, & Enterprise Insurance

 Boasting over 125 years of experience, Prudential is one of the world’s largest insurance and financial advisory companies. In fact, it is among the top-ranking insurance companies around the world. In Singapore, some of the insurance products they offer to both local and international clients include life insurance as well as insurance for homes, cars, and travel.

 Price Range:

  • Reach Out to Prudential for a Price Quote.


  • Health Protection, Including Medical, Accident, nd Critical Illness
  • Wealth Accumulation, Including Savings, Retirement, Investments, Funds
  • Life Protection
  • Legacy Planning

 Contact Information:


Karen Tang 5. Karen Tang Certified Financial Planner – Best for Wealth Protection & Accumulation

Karen Tang, a Certified Financial Planner based in Singapore, will align your finances with your values, priorities, and goals. As a financial advisor and planner, she provides a simple, transparent, and accurate financial plan that helps you make the most out of your resources and opportunities. Karen Tang also has a podcast, comprehensive blog posts, and videos to help improve your financial literacy.

Price Range:


  • Comprehensive Financial Planning
  • Wealth Protection
  • Wealth Accumulation
  • Retirement Planning
  • Education Planning
  • Wealth Distribution

Contact Information:


HL Assurance 6. HL Assurance – Best for Comprehensive Financial Services

HL Assurance is a member of Hong Leong Group, a reputable and diversified conglomerate with businesses spanning various sectors, including financial services, insurance, and fund management. It also offers a broad selection of insurance solutions, including life insurance, health insurance, car insurance, travel insurance, and personal accident insurance.

With its comprehensive financial services, HL Assurance is dedicated to offering quality insurance products tailored to meet the unique needs of its customers. It is known for its commitment to customer satisfaction, backed by efficient customer service and claims support.

Price Range:

  • Reach Out to HL Assurance for a Price Quote.


  • Personal Insurance
    • Car Insurance
    • Critical Illness Insurance
    • Family Protection
    • Travel Insurance
  • Commercial Insurance
    • Business Packages
    • Casualty Insurance
    • Property Insurance

Contact Information:


Synergy Financial Advisers 7. Synergy Financial Advisers – Best for Wealth Management

Synergy is a financial advisory company that is proactive, progressive, and reliable. They have a knowledgeable team of independent financial advisors who offer winning solutions for their clients. They offer a wide range of financial services for personal and corporate growth as well as general insurance. The company also has an extensive wealth of investment funds from its approved list of fund managers.

Price Range:

  • Please Contact Synergy for a Price Quote.


  • Personal Solutions
    • Investment Funds
    • Health and Disability Insurance
    • Wealth Management
  • Corporate Solutions
    • Group Insurance
    • Business Keyman Protection
    • Golden Handcuff
    • Business Buy-Sell Funding
  • General Insurance

Contact Information:

  • Website
  • Phone
    • +65 6654 1888
  • Address
    • 229 Mountbatten Road, #03-30 Mountbatten Square, Singapore 398007


SingCapital Pte Ltd 8. SingCapital Pte Ltd – Best for Free Financial Health Check

One of the leading Financial Advisory Firms in Singapore, SingCapital Pte Ltd provides top-quality financial services and solutions for both individuals and businesses. They offer comprehensive financial planning, including life insurance, investment advisory, and CPF planning. Best of all, SingCapital offers free personal health checks valued at S$250. Simply complete an interest indication form on their website.

Price Range:

  • Reach out to SingCapital Pte Ltd for a Price Quote.


  • For Individuals
    • Comprehensive Financial Planning
    • Protection Planning
    • Investment Planning
    • Estate Planning
    • Mortgage And Home Insurance
  • For Businesses
    • Corporate Risk Management
    • Business Loan and Business Insurance
    • Employee Benefits
    • Training for the Real Estate Industry
    • Professional Indemnity Insurance Scheme (PII)

Contact Information:



The pandemic and other economic turmoil in recent years have highlighted the importance of sound financial planning. As we continue to face uncertainties, including the recent inflation as well as the higher cost of living, we need to have a robust financial strategy to continue living the lifestyle we want in the coming years. A professional and knowledgeable financial planner can help you get started in planning your finances.

Key takeaways:

  • Financial planners provide a variety of services tailored to a range of needs, whether you’re looking to navigate complex investment decisions, secure comprehensive insurance policies, or plan for a comfortable retirement.
  • Each financial advisory firm or individual offers a unique approach, ensuring that you can find a planner that fits your risk appetite and financial goals.
  • Take your time, do your research, and choose a planner who not only has the right qualifications and experience but also aligns with your financial objectives and values.

When you need a cash boost, look no further than 365 Credit Solutions. Established in 2010, we are one of Singapore’s most well-established legal and licensed money lenders. We offer personal loan quick approval in just 30 minutes. Request up to 3 loan quotes today – no obligation to apply!

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