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.

Need Advice?

Meet Your #ChooseIndependent
Financial Adviser Representative


Lim Hock Seng Gary

Senior Financial Advisory Director

About Lim Hock Seng Gary

My extensive experience in the financial advisory world has solidified my belief: effective financial planning is built on clarity and ease of implementation. This principle is central to how I help clients achieve their goals. We focus on building a robust Financial Framework, implementing tailored Insurance Solutions, and crafting thoughtful Transfer Strategies – enabling them to become truly Financially F.I.T.

This same focus on clarity and empowerment forms the foundation of how I lead my advisory team. I am building a collaborative group of passionate, self-motivated advisors who aspire to be genuine "financial coaches" for their clients. My managerial approach is rooted in mentorship – helping advisors identify their core strengths and develop a unique, authentic style to deliver exceptional, client-centric financial advice.

Our affiliation with a leading Financial Advisory (FA) firm in Singapore provides a crucial advantage. This platform grants our advisors access to a comprehensive suite of solutions, ensuring clients receive objective recommendations tailored solely to achieving their financial goals.

Whether you are a driven financial professional seeking a purposeful career with mentorship and autonomy, or a client searching for a dedicated advisor committed to your progress, I invite you to connect. Let's explore how we can achieve greater success, together.

Financially F.I.T.: Sound Management. Secure Protection. Seamless Transfer.

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 Lim Hock Seng Gary

An in-depth insurance portfolio review with Lim Hock Seng Gary 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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