Independent means

Discover how independent advice can help you go further and reach your dreams sooner.

Learn More

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.
Image
financial alliance logo

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


Lawrence Koh, Wealth Optimisation Specialist (ChFC®,IBFA Level 3, ASEP®, AEPP®)

Associate Director

About Lawrence Koh, Wealth Optimisation Specialist (ChFC®,IBFA Level 3, ASEP®, AEPP®)

👋 Hi, I'm Lawrence Koh from Singapore!

I'm an independent financial advisory practitioner with over 15 years of experience in wealth management since 2009. What I love about my work is that I represent clients' interests, not those of financial institutions. My goal is to help clients find the best solutions to meet their financial goals while minimizing wasted time and money. 💼💡 (Its never about how fast you run, its about whether are you running to the right direction because U-turn is costly in money and time)

 

What I love about my role is able to represent my clients’ interests, rather than the interest of financial institutions'. My goal? Helping clients achieve their financial objectives while minimizing wasted time and money. 💼💡(Its always comforting for me as a practioner to know that i do not need or be forced to promote any financial product for any particular financial institutions in the course of financial advisory work for my clients.)

 

Before this, I spent 9 years in the chemical industry 🌿⚙️, honing optimization and account management skills—skillset that now is key to optimizing financial portfolios and solving the living expenses challenge for my clients. 💸📉  (A winner is someone who recognizes his God-given talents, works his tail off to develop them into skills, and uses these skills to accomplish his goals. ~ Larry Bird)

 

Most people rely on active income (trading time for money 🕒), but this approach isn't sustainable, as our earning years are shorter than our spending years. I help clients reduce resource wastage and use their surplus to generate passive income 💰📈 thru both investment and non-investment strategies, moving them toward financial freedom.. (I have 3 competitors....They are Illness, Retrenchment, Reductant... I have to compete with these 3 competitors to reach my client and help them create passive income before my competitors reached them because my competitors will disable them from selling time for money...) 

 

I believe earning money is a full-time job, and so is optimizing wealth. Many people fall short because they manage their wealth part-time. My mission is to elevate households to million-dollar levels 💼🏡 through my proprietary financial freedom planning. After all, a million dollars is just $50k per year for 20 years—a modest sum considering future inflation 📉. (Have you seen anyone who work part-time in your company and was being promoted to senior position...)

 

My mantra: "Wealth Optimisation and Life Transformation." ✨🚀

 

Progression Outperforms Perfection

Financial freedom is possible with proper wealth management. I help PMETs (35-45) generate passive income to secure stability before retrenchment or retirement through a proven 3-stage financial freedom program:

💡 Stage 1: Optimize portfolios (maximize resources, minimize waste).
💡 Stage 2: Build a growth portfolio (balance risk, budget, goals).
💡 Stage 3: Convert it to passive income (sustainably fund living expenses).

If you’re responsible in nature and want to avoid becoming a financial burden to your family or subject yourself to the constant stress of retrenchment risk, let's work together to create alternative income streams and achieve time freedom.

Mentorship for Career Transformation
As an ex-mid-career switcher, I help others transition smoothly into building financial practices that create real value, not just products.

✳️ Mediocre salespeople sell products.
✳️ Good salespeople meet needs.
✳️ Exceptional salespeople offer what clients can’t live without!

 

What's your offer that clients can't live without? If interested in exploring this career, DM me to learn how to build a successful IFA practice that's fulfilling and rewarding.

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 Lawrence Koh, Wealth Optimisation Specialist (ChFC®,IBFA Level 3, ASEP®, AEPP®)

An in-depth insurance portfolio review with Lawrence Koh, Wealth Optimisation Specialist (ChFC®,IBFA Level 3, ASEP®, AEPP®) could save you money as you spend less for the same coverage, or allow you to be better protected without spending a cent more.



chooseindependent.fa.com.sgchooseindependent.fa.com.sg