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


Max Luo

理财顾问

About Max Luo

中学的时候,老师劝导同学,要从“要我读书”变成“我要读书”。四十不惑,四十岁的我,最后悔的是,没有更早的认识,财务规划即是规划人生。我希望尽早告诉更多人,要从“要我财务规划”变成“我要财务规划”,我命由我不由天。

上了大学以后,没有了高考的压力,我和大多数人一样开始放松了下来。这一放松,就让人生暂时失去了方向。虽然随大流去了银行,很早接触财务规划,却没有很好的规划好自己的人生。我想要的东西很多,但缺少财务规划,我什么都没有得到。直到2014年,自己觉得不能再这样下去了,便跳出舒适区,走向自我创业的挑战之路。直到这一刻,我才真正开始掌控自己的人生。

在获得人生的成功的同时,我希望能够用自己的力量去帮助更多的人,我不想有更多人像我一样蹉跎数年后才后悔。

如果您刚走出学校大门,正在规划您的职场人生,

如果您刚喜获新生命,憧憬如何教导孩子,给予他/她多彩人生,

如果您已近中年,正准备规划您的退休生活,

无论您的未来人生规划是什么,您需要财务规划,需要一个帮手帮您甄别最佳金融产品组合,帮助最省时省事省力地达到您的目标,请联系我。

我将尽全力,帮助您。时间,是金融世界重要的要素,别迟疑,今天就联系我吧!

 

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 Max Luo

An in-depth insurance portfolio review with Max Luo 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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