Independent means

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Here's What an Independent Financial Adviser Means

In Singapore, the financial services industry is regulared by the Monetary Authority of Singapore. Guidelines governing the use of the designation of 'independent' is contained in publication FAA-G05.
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Introducing Financial Alliance

  • Singapore's largest independent financial advisory firm with more than 20 years of excellence.

  • Financial Alliance is a leader in providing wealth advisory services to individuals and corporates alike, including private wealth advisory, Islamic wealth advisory and fee-based advisory.

Independent by the numbers.

130,000+

clients and growing

400+

financial adviser representatives

20+

years in business

$1 billion+

assets under advice

Extensive Network of Business Partners

17 Life Insurers
36 General Insurance Partners
11 Investment Platforms
16 Financial Institutions
9 Estate Planning Companies
70 Asset Management Firms

Discover how
#ChooseIndependent
helps you

Trusted by 120k+ Clients in Singapore

Achieve Your Financial Dreams

Start growing your wealth for a better future - without compromising the present.

Attain True Peace of Mind

Optimise your protection policies to get comprehensive coverage you need for the best prices.

Leave a Lasting Legacy

Ensure your assets continue to take care of your loved ones - even if you are no longer around.

How #ChooseIndependent Works


The foundation for any customised financial plan is a detailed needs analysis.

Get an accurate snapshot of your financial situation to formulate an appropriate plan.

Gather deep insights backed my experience and data to identify gaps and opportunities.

Receive a personalised action plan based on a suite of comprehensive solutions and services.

Confidently execute your financial plan in a timely and cost-effective manner.

Ensure things are on track while continuing to work towards your long-term goals.

Meet Your #ChooseIndependent
Financial Adviser Representative


Alvin Low Wai Seng

Wealth Advisory Director

About Alvin Low Wai Seng

Alvin has been licensed to be an Associate Financial Planner and Associate Wealth Planner. His investment philosophy is based on the premise of investing only in companies which create true shareholder value; companies that pay a steady dividend stream and sustainable growth in earnings, while providing lower volatility and strength on the downside. His tagline is Navigating the ‘IF” in Life.

During his 20 years in the financial industry, Mr. Alvin Low has qualified as a member of the Million Dollar Round Table, which represents the top 6% best producers in the world.

He firmly believes in the continuous upgrading and re-skilling of the individual. Alvin also holds a Post-graduate Diploma in Marketing (CIM, UK), where the field of marketing is a passion to him.

As a firm believer in returning to society, he volunteers regularly in the hospitality ministry in church.  To date, he has also donated more than 100 times as a blood donor, making him one of the few champion blood donors in Singapore.

In 2012, he successfully completed the national train-the-trainers program, ACTA: Advanced Certificate in Training and Assessment. This program equips trainers with the basic understanding and competency to run the national Workforce Skills Qualification (WSQ) programs.

Arrange for a non obligatory consultation here.

Frequently Asked Questions

For “INDEPENDENT” Financial Advisory firms such as Financial Alliance, its financial advice must be free from the undue influence of higher remuneration and/or meeting sales quotas. In other words, financial advice from Financial Alliance is given solely in clients’ interests.

A financial advisory (FA) firm wishing to use the word “INDEPENDENT” – as Financial Alliance does – must fulfill the conditions laid down by Monetary Authority of Singapore (MAS) at all times.

No, the mere fact that a FA Firm can sell the products from more than one insurer or business partner does not mean that the FA Firm is “independent”.

In Singapore, only a handful are “Independent Financial Advisory Firms” because only a few are able to ensure that the financial advice given is free from the undue financial influence.

As there is no such thing as an “Independent Financial Adviser” license in Singapore, IFA Firms are, in essence, “Financial Adviser” license holders who offer financial advice while being free from undue influence.

We have your best interest at heart and will leave you to make your decision. We only ask that, when you deal with a FA Firm, you find out for yourself if it is truly an IFA Firm or a FA Firm.

If impartial financial advice is what you seek, then you should only engage an IFA Firm.

At Financial Alliance, we are dedicated to offering our clients independent financial advice. Please feel free to contact us at feedback@fa.com.sg to find out how our independent financial advice would benefit you.

#ChooseIndependent with Alvin Low Wai Seng

An in-depth insurance portfolio review with Alvin Low Wai Seng could save you money as you spend less for the same coverage, or allow you to be better protected without spending a cent more.



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