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


Koo Sin Ho, Koos

Senior Consultant

About Koo Sin Ho, Koos

As a seasoned financial advisor with a background in human development, I possess a unique set of skills that enable me to simplify complex financial planning processes into easily comprehensible concepts. With years of experience in the financial advisory industry, I have developed a practical and systematic approach that considers all economic scenarios, empowering me to guide clients towards financial independence and security in their golden years.

My area of expertise is in helping clients gain clarity on their financial realities and take relevant actions to navigate confidently towards their objectives. Through personalized financial planning and investment strategies, I have assisted numerous clients in progressively improving their financial security, ultimately realizing their life goals with peace of mind.

My dedication to clients extends beyond just providing financial advice. I strive to inspire them to take an active role in their personal financial planning and empower them to take control of their financial future. Whether it involves saving for retirement, managing financial risks, or investing for growth, I am committed to helping clients achieve their financial goals and live their envisioned lives.

As Daisaku Ikeda once said, "Life is short. How and for what purposes you use this life will determine its value." With a strong emphasis on education, empowerment, and building long-term relationships, I am confident in my ability to provide valuable insights and guidance to individuals and families who are committed to securing their financial future. I look forward to collaborating with them to create and implement a realistic personalized financial plan that aligns with their goals and aspirations to achieve their hopes and dreams!

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 Koo Sin Ho, Koos

An in-depth insurance portfolio review with Koo Sin Ho, Koos 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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