Hi, good to have you here!
I am a Wealth Management Consultant at Professional Investment Advisory Services (PIAS).
I am passionate to enhance my client’s financial wellness journey through holistic financial planning, curating bespoke financial solutions to meet their financial needs in various milestones of their lives.
My goal: To be the trusted adviser of choice for my clients and also as an enabler to help them achieve financial dignity.
I am a firm believer of lifelong learning and growing together with my clients, in both my personal investment and also their wealth accumulation journey.
If the above resonates with you, I am happy to connect for a conversation and see if I can add value to you and your loved ones.
Achievements
- Master of Business Administration
- Member of Asia Estate Planning Association (AEPA)
Wall Of Trust
Chua Rui Fen,
Management Trainee at MSD Singapore
“Guohao's ability to explain complex financial concepts in a clear manner makes me well-informed of my financial decision. I appreciate his responsiveness, attention to details and customized financial strategies he developed for me.”
Leonard Leong,
Risk Management Specialist at UOB
“Guohao is passionate in his field of work. I trust to leave my family’s financial planning needs to him. He optimizes my current resources and provides value-added inputs to meet my family’s financial needs. He goes the extra mile to ensure a fuss-free claim process, so the payout is received in a timely manner.”
Julie Ji,
Senior Operational Excellence Manager at DB Schenker
“Guohao shares the overall concept of financial success model and provides very clear and transparent viewpoints on the recommended plans to tailor to my financial planning needs. He is also very patient in addressing all my queries.”
Daniel Tan,
Director at BroadTech Engineering
“Guohao has in-depth financial products knowledge and is attention to details. As a wealth management practitioner, he is passionate and highly motivated to serve clients and take care of their interests.”
Evelyn Low,
Retiree
“Guohao cares for my financial planning needs and is very transparent in the proposed options. He is not pushy and able to provide sound finance advice to help me make informed decisions for my retirement planning.”
Golden Nuggets of Financial Literacy
Risk Management is the unsung hero of financial planning
Think of life insurance as a shield, to protect you and your loved ones from the unforeseen financial impacts of life’s uncertainties.
Risk management is the strategic move to preserve your wealth and secure your financial future.
The Power of Compounding Interest
Source: CNBC Make It’s compounding interest calculator. Assuming monthly savings of $400, with an average 7% annual returns through age 65
The longer the time, the shorter the climb to retirement!
Saving and investing when you are young gives you the benefit of time.
Outcome: If you start saving and investing at age 25 with $100 a week, you would have $1 million by age 65. The returns when you start investing at age 25 are more than doubled versus 10 years later if you start at age 35!
How Singapore’s National Healthcare Schemes protect you and your loved ones
Source: Dollarsandsense.sg and CPF board
- CPF MediSave Account
MediSave is a national medical savings scheme that sets aside part of your income to pay for certain medical expenses of yours and your loved ones.
MediSave can be used to pay for hospitalization, day surgery, and long-term healthcare needs. It can also be used to pay for certain costly outpatient treatments like dialysis, cancer drugs and radiotherapy, as well as for treatment of specific chronic diseases like diabetes and hypertension.
- MediShield Life
Provides universal and lifelong protection against large healthcare bills, regardless of any pre-existing medical conditions.
2 main reasons why private hospital treatment is preferred:
- You want to have the choice of doctors
- You have to have the speed of treatment
Designed to cover subsidized hospital bills at Class B2 and Class C wards in public hospitals. If we prefer to seek treatment in higher class wards in public hospitals or in private hospitals, we can look to enhance our protection with an Integrated Shield Plan (IP) on top of our MediShield Life, provided by private insurance companies.
- CareShield Life
Our national long-term care insurance scheme, provides a basic level of financial support should we become severely disabled.
CareShield Life provides a basic monthly payout that may last a lifetime as long as we can’t perform at least 3 out of the 6 Activities of Daily Living (ADLs).
With rising long term care needs (cost of domestic helper and nursing care homes), it is more prudent to enhance our Careshield Life with supplements to receive a higher payout when we can’t perform 1 or 2 out of the 6 ADLs.
