Plant
Place & put your money to work
Grow
Maximize your returns
Harvest
Reap a reward that lasts
Eliminate Financial Uncertainty,
Plant Wisely, Harvest Fully
Sound Financial Planning For Busy Parents, Professionals & Caregivers Balancing Children, Aging Parents & Their Own Futures.
Plant Wisely, Harvest Fully & Eliminate Financial Uncertainty
Sound Financial Planning For Busy Parents, Professionals & Caregivers Balancing Children, Aging Parents & Their Own Futures.
The Most Common Obstacles To Achieving Financial Peace
CAN YOU RELATE TO THESE STRUGGLES?
OVERWHELMED?
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CONFUSED?
Are you confused about what the right moves actually are to grow your money?
SCARED?
Are you scared you're going to fail like so many other investors?
I'm here to help
DORIS YEW, M.A.S CERTIFIED, MASTER FINANCIAL CONSULTANT WITH 26 Years OF EXPERIENCE
"Our hope is that you reach financial peace of mind. Literally. We want your plan to be so solid that you hardly think about money anymore, because you feel confident we've got it all covered.
We deeply care about your life, dreams, passions and vision for the future. And we'll help you focus your money around that. We've spent the last 26 years working with clients to help them figure out the best ways to get the most from their money and we're excited to help you.
The truth is...
We reap what we sow
Many of us are reaping far less than we want. The reality is that most people shortchange themselves. And it's no surprise. Saving is hard. Finances can be confusing. Figuring out where to start can be overwhelming. We get it.
Delayed gratification was never cool, but hope is not a strategy.
The #1 feeling people associate with money is anxiety. And that's no surprise. We get these questions all the time:
Am I saving well?
Where do I start?
Will I have enough?
Am I missing opportunities?
No matter how you say it, we hear the same simple message, "Help!"
5 Ways I Can Serve You Today
Plant Wisely, Eliminate Financial Uncertainty & Secure Your Family's Future
Protection & Coverage
Secure your loved ones against life's uncertainties. We help you to maximize the right amount of protection without overpaying
Investment Planning
I'll work closely with you to create a personalized investment plan aligned with your risk tolerance and financial objectives.
Purposeful Retirement Planning
Secure your retirement with a well-crafted plan. We help you build a robust financial roadmap to enjoy the golden years stress-free and purposefully
Wealth Management
Our team oversees your investments, continuously optimizing your portfolio to maximize returns and safeguard your wealth.
Tax Planning & Optimization
Minimize your tax burden and optimize your financial strategy. We navigate complex tax regulations to maximize your savings.
I Have Served Clients Who Work At:
TESTIMONIALS
What others are saying
"I feel very lucky"
"Before I met Doris, I was quite stressed over my financial planning. So, lucky for me, after I had a meeting with her, I had a clearer picture of what I can do. I feel very lucky.'
Matthew and Casey,
Business Owner and Law Firm Admin
"Doris is different"
"With Doris there was no pressure. She didn't just sell me a policy. She took the time to understand me,.. and helped me make decisions that actually made sense."
Han Lay Bee,
Educator with Ministry of Education
How Does It Work?
THREE STEPS TO ELIMINATE FINANCIAL UNCERTAINTY
BOOK YOUR
DISCOVERY CALL
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DESIGN THE STRATEGY
Together we'll craft a proven strategy to grow your money
IMPLEMENT & WIN
I'll be there every step of the way as you put the plan into action
There are a lot of advisors out there, but I can tell you this, Doris is different. She's not just in this for business, she's in it for people, for relationships, for the long term. She's someone you can count on, not just today, but for the years to come. 20 years of knowing her, I can say with confidence, I'm not just a client. I am family to her.
Han Lay Bee, Educator at MOE
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FREE Newsletter For Your Financial Journey in Singapore
Curated by Doris yew,
Your Trusted Financial Advisor in Singapore
Gain Expert Finance Tips in Just 2 Minutes a Day!
Each week, you’ll receive an email with actionable advice on growing your wealth, optimizing your savings, and planning for retirement…
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Frequently Asked Questions
Find answers to common inquiries about our financial advisory services.
What Services Do Financial Advisors Provide?
In Singapore, financial advisors offer comprehensive services to meet diverse needs. They help with investment planning (e.g., portfolios including SGX-listed ETFs or REITs), retirement strategies (like optimizing CPF Life payouts), and insurance planning (e.g., recommending Integrated Shield Plans).
They also provide tax planning to maximize reliefs under IRAS rules, estate planning for passing on wealth (including CPF nominations), and debt management for HDB or private property loans. Advisors must be licensed by the Monetary Authority of Singapore (MAS) to ensure compliance and professionalism.
How Do I Choose the Right Financial Advisor?
Ensure the advisor is licensed by the MAS under the Financial Advisers Act (FAA) and holds qualifications like Certified Financial Planner (CFP) or Chartered Financial Analyst (CFA). Check their track record—ask for client testimonials or case studies. Confirm they understand Singapore-specific systems like CPF, SRS, and HDB financing.
Compare fee structures (e.g., commission-based vs. fee-only) to avoid conflicts of interest. Request a detailed service agreement outlining their responsibilities, and ensure they provide regular reviews to adapt to your changing needs, such as career changes or family milestones.
What Is the Importance of Financial Planning?
Financial planning is crucial in Singapore due to its high cost of living and long life expectancy. It helps you manage expenses like HDB or private property loans, save for children’s education (e.g., through endowment plans), and build a nest egg for retirement using CPF and SRS. It ensures you’re prepared for healthcare costs by leveraging MediShield Life and Integrated Shield Plans, especially as medical inflation rises.
Planning also optimizes tax reliefs and builds wealth for milestones like upgrading to a larger HDB flat or private condo. Ultimately, it provides financial security and peace of mind in a competitive environment.
How Can I Prepare for Retirement?
Start early by maximizing CPF contributions to earn up to 4% interest on your Special Account (SA) and Medisave Account (MA). Use the Supplementary Retirement Scheme (SRS) for tax-deferred savings, which you can invest in approved funds like unit trusts or Singapore Savings Bonds (SSBs).
Diversify with low-risk investments such as SSBs (low risk, government-backed) or higher-yield options like Singapore REITs for passive income. Plan for healthcare costs by enhancing MediShield Life with an Integrated Shield Plan. A financial advisor can help you estimate your retirement needs and create a CPF Life withdrawal strategy tailored to your lifestyle.
What Investment Options Are Suitable for Me?
Your options depend on your risk tolerance, age, and goals. For low risk, consider Singapore Savings Bonds (SSBs) with flexible withdrawals and guaranteed returns, or CPF Investment Scheme (CPFIS) funds for stable growth. Moderate-risk investors can explore SGX-listed ETFs (like the STI ETF) or Unit Trusts managed by firms like DBS or UOB.
Higher-risk options include blue-chip stocks (e.g., DBS, SingTel) or Singapore REITs for dividends. If you’re younger, robo-advisors like StashAway or Syfe offer diversified portfolios with low fees. Always assess your risk profile and consult an advisor to align investments with your financial goals.
How Can I Optimize My Tax Situation?
Take advantage of Singapore’s tax reliefs: top up your CPF (up to $8,000 relief for self, $8,000 for family members) and contribute to the Supplementary Retirement Scheme (SRS) for up to $15,300 relief annually for Singaporeans/PRs. Donate to Institutions of Public Character (IPCs) approved by IRAS for 250% tax deductions (valid until 2026).
Structure investments to minimize taxable income—e.g., hold dividend-paying stocks in a non-taxable account or use SRS funds for investments. If self-employed, claim business expenses wisely. An advisor can help you navigate IRAS rules, especially for complex scenarios like rental income or overseas earnings.
Doris Yew | Master Financial Consultant | YHL200199024
I am a Private Wealth Consultant representing Opus by Prudential Pte Ltd
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