When my clients have their first baby, the same questions always come up... "What do I need to claim?" "What insurance does the baby need?" "Should I start saving for education already?" So I put together the checklist I wish someone gave me. None of these are u

Getting married soon? Congrats, now talk about money. Not the fun stuff like wedding budget and honeymoon. The real stuff: → How much do each of you actually earn and owe? → Whose CPF is going to the flat and what does that mean for retirement? → Joint account, separate, or both? → What in

This is the framework I walk every client through before we talk about any product. Five things, in this order: ☝ Cash flow: Know what you actually keep each month ☝ Emergency buffer: 3 to 6 months set aside ☝ Hospitalisation: Know your ward class coverage ☝ Income protection: Make sure yo

A 3-night hospital stay for appendicitis. B1 ward. Public hospital. Routine surgery. Total bill: around $12,000. MediShield Life covered about $3,000–$4,000 of it. The rest came from MediSave and cash. Most people don't realise that MediShield Life is pegged to subsidised B2/C ward rat

Motherhood is a thousand little things no one sees. The early mornings. The constant worrying. The juggling act. The quiet sacrifices. The planning ahead so your family will always be okay. That’s love too. Not just in hugs and bedtime kisses, but in every decision made to build a safe

There's a term for what many of us are quietly going through - the Sandwich Generation. You're caught between two sets of responsibilities: ageing parents who need more support, and children who still depend on you completely. And somewhere in between, you're trying to hold your own