Advice that starts with what you already have.

Diagnose first

Before any recommendation, ConSol maps your current position: CPF balances, accrued interest on your OA withdrawal, loan structure, insurance coverage, and savings rate. Most of what matters is already in place — we just find where it is leaking.

No product push

The session does not begin with a product in mind. There is no quota for policies sold or AUM moved. The output is an honest picture of where you stand and the two or three decisions most worth revisiting.

Singapore-specific

CPF LIFE payout projections, HDB versus private property TDSR dynamics, SRS optimisation against your tax bracket, and Medishield Life gaps. Generic financial planning tools miss the structures that define Singaporean wealth-building.

Transparent fees

Advisory sessions are fee-based. If a product recommendation follows from the analysis and you choose to proceed, commissions are disclosed in writing before any transaction. You will always know exactly what you are paying and why.

MAS Licensed

Financial Adviser Representative registered under the Monetary Authority of Singapore.

Phillip Securities

Representative Number RTR300741077. Licensed under Phillip Securities Pte Ltd.

PDPA Compliant

All data submitted through ConSol is encrypted at rest and governed by Singapore's Personal Data Protection Act.