Lum Wai Frances

Having choices in financial advisory services.

Want more choices? How Ascend Asia is rewriting financial advice with open architecture We explore why the open architecture advisory model is gaining traction in Singapore, and how greater choice and transparency may lead to better financial outcomes for consumers.

The only way is UP. That’s our Integrated Shield plans premiums. A way to reduce premiums will be to downgrade to restructured hospitals. Preferably do not cancel the riders as the coverage for Cancer claims will be low.

Six out of seven insurers raised premiums for Integrated Shield plans, riders in 2025 Raffles Health Insurance is the only insurer that has not raised premiums for two consecutive years. Read more at straitstimes.com. Read more at straitstimes.com.

Dementia is real. The news article highlights the growing need for long-term care and dementia coverage. Singlife offers a dementia coverage add-on that can complement their long-term care plan, and AIA has a dementia rider to add to their Centurion PA to provide more comprehensive support in the future.

No matter what stage you are at, it’s always prudent to take stock.

Time to top up SRS!

Mortgage loan rising, what should you do?

4 money tips to note when mortgage rates rise With rising rates, borrowers should consider paying off the loan instead of saving more money in the near term. Read more at straitstimes.com.

Mid year check. Hope all is going well & on track!

To all sacrificial mothers, pamper yourself to the max!

Claim upon 5days in ICU?! 😱

FWD Life CI – Receive 100% payout upon a claim and coverage for ICU stays

Budget at a glance

Wishing all a Blessed Christmas and Happy New Year! Enjoy the festive period and treasure your loved ones!