Providend's Money Wisdom

Welcome to the second episode of our Milestones by Decade mini-series! We're excited to continue this journey with more insightful conversations with our Client Advisers. In each episode, we reflect on the lessons and advice they wish they'd received a decade ago, offering practical tips for navigating key milestones, from your 20s to your 50s.As the leading fee-only wealth advisory firm in Asia, we've had the privilege of guiding clients from all walks of life at different stages for over two decades. In this mini-series, we hope to be able to impact both life and money wisdom to you, to inspire you and help you avoid costly mistakes.In this episode, Amelia chats with Jit Hwee, one of our Client Advisers in his 40s, as he reflects on the mindset shifts that came with time and experience. From chasing success to finding clarity in what truly matters — across career, money, life, and family — Jit Hwee shares it all with his signature wit and humour. If you're in your 30s or know someone who's still figuring things out, this is one episode you won't want to miss.Music courtesy of ItsWatR.The host of this episode, Amelia Wong, is the Senior Content & Digital Marketing Executive at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.

“I want to live a more colourful life, I want to experience more of the world, I want to see different aspects of the healthcare industry, and also the world in general.”As the leading fee-only wealth advisory firm in Asia, we have always advocated that when it comes to your hard-earned money, life decisions should come before money decisions.That's exactly what Dr Tang did. Unlike most doctors, he chose a very different career path — and his latest portfolio? Medical concierge and advocacy.In this interview, Dr Tang shared the drivers behind his career and life decisions as well as the way he is helping those in need of tailored medical or healthcare advice.You may find out more about Dr Tang's book, ‘It's Your Life, You Call The Shots' here.This video is a joint production of iFAST TV and Providend, inspired by Christopher's article “To Live the Good Life, Make Life Decision First Before Wealth Decisions”. This video series is now available as a podcast for those who prefer listening on the go.Music courtesy of ItsWatR.The host of this episode, Christopher Tan, is Chief Executive Officer of Providend, Singapore's first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.

Being a trusted adviser to our affluent clients for over two decades, legacy planning is about more than just Index-linked Universal Life Policies (ULPs) or wills and trusts.In this week's Money Wisdom episode, our co-host Isaac has a heart-to-heart talk with our CEO, Christopher, on the importance of starting your legacy planning now, instead of waiting until you are older. In fact, what is the difference between estate and legacy planning? How does a 'life decision' that a person made during his lifetime translate into a legacy for his or her family in the form of a legal instrument, such as a trust? And is it ever too late to start? Tune in to this podcast to listen to the full story.You can read Chris' article in The Business Times on this topic here.Music courtesy of ItsWatR.The host of this episode, Isaac Ong, is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Download our RetireWell™ eBook Today!Our popular RetireWell™ eBook has been updated! RetireWell™ is a methodology that Providend has developed to design a retirement income plan that will provide you with a safe and reliable stream of income for the rest of your life. Check out the link here to download a complimentary copy of the full eBook today: https://providend.com/publications/#retirewell

Welcome to the second episode of our miniseries on Finding Your Ikigai, where we invite a series of guests to explore what it truly means to live a good life, incorporating the concept of Ikigai alongside Providend's Philosophy of Sufficiency. As trusted advisers to affluent clients for over two decades, we've always advocated that clients prioritise life decisions before financial ones. These life decisions are what we refer to as "Ikigai" decisions. In this episode, our Founder and CEO, Christopher Tan, sits down with Stanley Ng, Founder of Mindful Circle, a not-for-profit social enterprise, and Founder and Managing Director of Sage Capital Management Advisors, a private advisory firm for top management within corporates, banks, and financial institutions. Stanley, also a client of Providend, shares his journey from being law-trained, transitioning into the banking industry, becoming a consultant, and now being involved in the philosophy of mindfulness and the importance of being present in the moment—injecting Ikigai moments even into the most mundane tasks. Listen to the full podcast conversation and share it with a friend. Learn more about Mindful Circle here: https://mindfulcircle.org/ Through deep conversations with our advisers, you will gain clarity on what matters most in life and what needs to be done to live a good life, both financially and non-financially—with your Ikigai goals at the forefront of your wealth plan. Find out more about a mindful approach for a calmer investment journey here: https://providend.com/a-mindful-approach-for-a-calmer-investment-journey/Music courtesy of ItsWatR.The host of this episode, Christopher Tan, is Chief Executive Officer of Providend, Singapore's first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Subscribe to Our Mailing List Today!If you're interested in getting more of our thought leadership contents, click this link to subscribe to our newsletter today: https://providend.com/#newsletter-subscribe

“We feel that social media is flooded with a lot of negativity, so we wanted to create a space where we can celebrate the everyday Singaporean and promote positive values.”As the leading fee-only wealth advisory firm in Asia, we have always advocated for our clients to make life decisions before money decisions, when it comes to their hard-earned money.In this episode of “The Providend Conversation,” we are delighted to feature Why Keen, former Creative Director of The Royal Singapore, a man who has touched the hearts of not only those who watched his videos but also the teams who worked alongside him. Throughout his journey—navigating various business ventures and transitioning through different seasons in his career—having a supportive wife has played a crucial role in his development as a creative at heart.This video is a joint production of iFAST TV and Providend, inspired by Christopher's article “To Live the Good Life, Make Life Decision First Before Wealth Decisions”. This video series is now available as a podcast for those who prefer listening on the go.Music courtesy of ItsWatR.The host of this episode, Christopher Tan, is Chief Executive Officer of Providend, Singapore's first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Download our RetireWell™ eBook Today!Our popular RetireWell™ eBook has been updated! RetireWell™ is a methodology that Providend has developed to design a retirement income plan that will provide you with a safe and reliable stream of income for the rest of your life. Check out the link here to download a complimentary copy of the full eBook today: https://providend.com/publications/#retirewell

Welcome to the second episode of our miniseries for Finding Your Ikigai, where we invite a series of guests to explore what it means to live a good life, incorporating the concept of Ikigai and Providend's Philosophy of Sufficiency.Being a trusted adviser to our affluent clients for over two decades, we have always advocated for our clients to first make life decisions before financial decisions. Life decisions are also what we term “Ikigai” decisions.In this episode, our Founder and CEO, Christopher Tan, speaks with Moon Shary, Providend's Group COO & Executive Director, on how she finds her own Ikigai. As a mother of two, she has made intentional trade-offs—turning down a higher-paying job to prioritise her family.A past health scare reshaped her outlook, reminding her to treasure life's small moments. Looking ahead, she continues to explore her Ikigai while planning for the future.Through deep conversations with our advisers, you will gain clarity on what matters most in life and what needs to be done to live a good life, both financially and non-financially—with your Ikigai goals at the forefront of your wealth plan.Learn more about Moon's story and how she navigated life's unexpected hurdles: https://youtu.be/6I74SzkEOoE?feature=sharedMusic courtesy of ItsWatR.The host of this episode, Christopher Tan, is Chief Executive Officer of Providend, Singapore's first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.

In managing over S$1 billion worth of our clients' assets, there is continuous monitoring in place to ensure that the funds in our portfolios are behaving as we would expect them to, so our clients can reach their life goals reliably, with peace of mind.In this week's Money Wisdom episode, our co-host Isaac talks to our CEO, Christopher, about cryptocurrencies, including Bitcoin, and whether they deserve a spot in your investment portfolio, especially if you already have investments in safer and diversified asset classes. Chris touches on Bitcoin's wild ride of booms and busts over the years, with returns largely shaped by unpredictable news and events. But is there a hidden pattern or hints of reliability in cryptocurrency? Should all investors stay away, or could investing in Bitcoin still be suitable for some? Tune in to this podcast to listen to the full story.You can read Chris' article in The Business Times on this topic here. Also in this podcast episode, Isaac and Chris mentioned an article Isaac had written here, on why winning the lottery does not mean you had made a good 'investment' decision. Stay tuned for our next episode from our miniseries, 'Finding Your Ikigai'!Music courtesy of ItsWatR.The host of this episode, Isaac Ong, is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Download Investment eBook Today!TBC

As the leading fee-only wealth advisory firm in Asia, we have always advocated our clients to make life decisions before money decisions, when it comes to their hard-earned money.In this episode of “The Providend Conversation”, we are honoured to have Der Shing and Shao-Ning share their journey from running a business to running a family, with our CEO, Christopher.Der Shing and Shao-Ning reflect on the pivotal moment when they left a typical corporate career path, to start their first business—JobCentral—and the hard lessons they learned along the way. They also discuss the challenges of having their identities closely tied to the business, and how they navigated that journey of self-discovery.Now, as the founders of AngelCentral, one of the fastest-growing angel investment networks in Singapore and Southeast Asia, they continue to make an impact by supporting startups and aspiring entrepreneurs, while balancing the needs of their four growing sons.Through deep conversations with our advisers, you will gain clarity on what matters most in life and what needs to be done to live a good life, both financially and non-financially. This video is a joint production of iFAST TV and Providend, inspired by Christopher's article “To Live the Good Life, Make Life Decision First Before Wealth Decisions”. This video series is now available as a podcast for those who prefer listening on the go.Music courtesy of ItsWatR.The host of this episode, Christopher Tan, is Chief Executive Officer of Providend, Singapore's first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Subscribe to Our Mailing List Today!If you're interested in getting more of our thought leadership contents, click this link to subscribe to our newsletter today: https://providend.com/#newsletter-subscribe

Welcome to the first episode of our Milestones by Decade mini-series! We're thrilled to kick off this series, diving into insightful conversations with our Client Advisers. In each episode, we'll reflect on the lessons and advice they wish they'd received a decade ago, offering practical tips for navigating key milestones, from your 20s to your 50s.As the leading fee-only wealth advisory firm in Asia, we've had the privilege of guiding clients from all walks of life at different stages for over two decades. In this mini-series, we hope to be able to impact both life and money wisdom to you, to inspire you and help you avoid costly mistakes.In this episode, Amelia sits down with Sean, one of our Associate Advisers in his 30s, to discuss the lessons that can make a big difference in your 20s. Sean shares his insights on career decisions, managing passion vs. wealth, and making intentional choices for what really matters in your life.Sean also reflects on how Providend's Philosophy of Sufficiency can guide your decision-making and how our approach differs from other wealth advisory firms. Do forward this episode to your friends and family who are just starting out in their 20s!Music courtesy of ItsWatR.The host of this episode, Amelia Wong, is the Senior Content & Digital Marketing Executive at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Download our RetireWell™ eBook Today!Our popular RetireWell™ eBook has been updated! RetireWell™ is a methodology that Providend has developed to design a retirement income plan that will provide you with a safe and reliable stream of income for the rest of your life. Check out the link here to download a complimentary copy of the full eBook today: https://providend.com/publications/#retirewell

As the leading fee-only wealth advisory firm in Asia, Providend has consistently guided clients on incorporating CPF into their comprehensive wealth plans.In this week's Money Wisdom episode, our co-host Isaac talks to our CEO, Christopher about the CPF Special Account closure on 19 January 2025, which had an impact on approximately 1.4 million CPF members. Chris highlights the importance of first having clarity on your original intention for your CPF funds, before purchasing financial products solely to grow your CPF funds at a higher interest rate, without first considering your life goals.You can read Chris's article in The Business Times on this topic here.Stay tuned for our next episode, where we kick off our mini-series, "Milestones by Decade"!Music courtesy of ItsWatR.The host of this episode, Isaac Ong, is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Subscribe to Our Mailing List Today!If you're interested in getting more of our thought leadership contents, click this link to subscribe to our newsletter today: https://providend.com/#newsletter-subscribe

As the leading fee-only wealth advisory firm in Asia, our wealth management philosophy of making life decisions before money decisions is born out of our experiences managing our clients' hard-earned money for over two decades.In this episode of "The Providend Conversation", we are honoured to have Mr Loo Cheng Chuan share with our CEO, Christopher, on a personal level as he shares more about his relationship with money and his life goals.You may know him as “Mr 1M65” or “Mr CPF”, but who exactly is Loo Cheng Chuan, founder of the 1M65 ($1 Million by 65 Years Old) Movement, who has helped many Singaporeans become millionaires at retirement?Through deep conversations with our advisers, you will gain clarity on what matters most in life and what needs to be done to live a good life, both financially and non-financially. Watch this interview between Mr Loo and Christopher, as our CEO shares five life-changing takeaways while reflecting on the year that just passed: https://youtu.be/-MNgJ0OPOFI?feature=sharedThis video is a joint production of iFAST TV and Providend, inspired by Christopher's article “To Live the Good Life, Make Life Decision First Before Wealth Decisions”. This video series is now available as a podcast for those who prefer listening on the go.Music courtesy of ItsWatR.The host of this episode, Christopher Tan, is Chief Executive Officer of Providend, Singapore's first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.The full list of Providend's Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Download Investment eBook Today!TBC

This marks the first episode of our miniseries for Finding Your Ikigai, and we are really excited to begin this series, as we invite a series of guests to explore what it means to live a good life, incorporating the concept of Ikigai and Providend's Philosophy of Sufficiency.Being a trusted adviser to our affluent clients for over two decades, we have always advocated for our clients to first make life decisions before financial decisions. Life decisions are also what we term "Ikigai" decisions. In this episode, our Founder and CEO, Christopher Tan, interviews his Ikigai Tribe Coach, Nicholas Kemp, on the true meaning behind the concept of Ikigai and what a life worth living is, through the lens of the Japanese. (P.S.: It is not the Ikigai Four-Circle Venn Diagram).Through deep conversations with our advisers, you will gain clarity on what matters most in life and what needs to be done to live a good life, both financially and non-financially—with your Ikigai goals at the forefront of your wealth plan.You can find out more about Nicholas and the Ikigai Tribe here: https://ikigaitribe.com/Music courtesy of ItsWatR.The host of this episode, Christopher Tan, is Chief Executive Officer of Providend, Singapore's first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.The full list of Providend's Money Wisdom podcast episodes from Season 3 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.

Welcome to the first episode of Providend's Money Wisdom Podcast Season 4! We hope everyone is looking forward to what we have in store for you this year.As the leading fee-only wealth advisory firm in Asia, we have been guiding our clients for over two decades, encouraging them to make life decisions first, before money decisions. For this season, we will have various mini-series covering topics such as Finding Your Ikigai, Legacy Beyond Wealth, Milestones by Decade, and our classic favourite, The Brain Behind, where we interview Chris about his Business Times' articles.At Providend, we believe that wisdom with money isn't about maximising returns. Rather, it is about understanding your ikigai goals and making wise financial decisions to support them. That's the essence of money wisdom. This is why we have decided to focus on these mini-series topics, to support you on your journey towards living a good life. Do look forward to these podcast episodes in the weeks to come!Music courtesy of ItsWatR.The three hosts of this episode are Christopher Tan, Chief Executive Officer, Isaac Ong, Client Adviser, and Amelia Wong, Senior Content & Digital Marketing Executive at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 3 can be found here. If you are keen to dive into the specific mini-series episodes, you may do so here:The Story of Our Clients' Wealth Journey: This mini-series delves into the wealth management journeys of our clients.The Brain Behind: Christopher Tan, our CEO and regular contributor to The Business Times' Money Wisdom column, will discuss the thoughts and insights behind selected articles.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Grab Your Very Own Money Wisdom Book Today!Some longtime listeners might know that the inspiration behind this entire podcast was our CEO, Chris's book titled Money Wisdom: Simple Truths for Financial Wellness. If you are interested in getting your very own signed copy, please check out the link here: https://providend.com/publications/

Fortnightly on Mondays at 8am, Providend's Money Wisdom will share how you can gain clarity in your own “ikigai decisions” and make wise financial choices to support them. That, to us, is the essence of money wisdom and what we want you to take away from listening to our podcast.Also available in video format on our YouTube channel fortnightly on Thursdays at 8pm.An original podcast produced by Providend Ltd.Do you have any feedback or questions? Reach out to us at communications@providend.comMusic courtesy of ItsWatR.

Having survived multiple market crises in our investment journey since 2001, we know what works and what won't work.In this week's Money Wisdom episode, Amelia from the Brand Experience Team talks to Isaac, our Client Adviser, about why a good outcome from your investments may not mean you had made a good decision to begin with. They also discuss why it is so difficult for clients to let go of overly concentrated stock portfolios, even when the risks are clear.Isaac shares how, at Providend, we first prioritise understanding our clients' life goals and major milestones before focusing on how much investment returns needed to meet those goals.You can read Isaac's article on this topic here: Why a Good Outcome Doesn't Always Mean You Made a Good DecisionStay tuned for our next podcast episode, which will also the first episode of the new year! Music courtesy of ItsWatR.The host of this episode, Amelia Wong, is the Senior Content & Digital Marketing Executive at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 3 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Grab Your Very Own Money Wisdom Book Today!Some longtime listeners might know that the inspiration behind this entire podcast was our CEO, Chris's book titled Money Wisdom: Simple Truths for Financial Wellness. If you are interested in getting your very own signed copy, please check out the link here: https://providend.com/publications/

As Asia's leading fee-only wealth advisory firm, we are honoured to feature Dr Peng Chen, our Senior Advisor and Director at Providend, in this special podcast episode. Dr Peng is the co-inventor of the Ibbotson-Chen model – a data-focused approach that breaks down the components contributing to equity market returns and uses them to estimate forward-looking expected returns. This model earned the prestigious Graham and Dodd Award of Excellence.In this week's Money Wisdom episode, Chris chats with Dr Peng, recounting their first meeting in 2014 and exploring how Dr Peng and Providend played a pivotal role in bringing Dimensional funds to Singaporean investors.Stay tuned for our next podcast episode, where Amelia from our Brand Experience team will be having a discussion with Chris about his article in The Business Times. Music courtesy of ItsWatR.The host of this episode, Christopher Tan, is Chief Executive Officer of Providend, Singapore's first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.The full list of Providend's Money Wisdom podcast episodes from Season 3 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Subscribe to Our Mailing List Today!If you're interested in getting more of our thought leadership contents, click this link to subscribe to our newsletter today: https://providend.com/#newsletter-subscribeDownload Investment eBook Today!TBC

Being a trusted adviser to our affluent clients for over two decades, our wealth management philosophy—making life decisions before money decisions—is rooted in our experience of managing over S$1 billion worth of our clients' hard-earned assets.In this week's Money Wisdom episode, our co-host Isaac chats with Chris about the critical role of health span in retirement planning and how it is often overlooked. Saving for your 'health plan' in retirement is just as important as building your wealth plan, particularly if leaving behind a legacy aligns with your life goals.You can read Chris's article in The Business Times on this topic here: https://providend.com/health-span-missing-piece-retirement-planning/Stay tuned for our next episode, where Chris interviews Dr Peng Chen, our Senior Advisor and Director at Providend!Music courtesy of ItsWatR.The host of this episode, Isaac Ong, is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 3 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Grab Your Very Own Money Wisdom Book Today!Some longtime listeners might know that the inspiration behind this entire podcast was our CEO, Chris's book titled Money Wisdom: Simple Truths for Financial Wellness. If you are interested in getting your very own signed copy, please check out the link here: https://providend.com/publications/

Welcome back the final part of this nine-part mini-series, "The Story of Our Clients' Wealth Journey", where we explore the wealth management journey of our clients.This final episode is a very special episode, where we have our Founder and CEO, Christopher, interview one of our clients, Richard Hong, CEO at TÜV SÜD PSB ASEAN, our client of 17 years to date. As Asia's leading fee-only wealth advisory firm, we are honoured to be able to sit down with Richard, to reflect on how he came to know about Providend, why he continues to trust us in his wealth planning, and the value he sees in partnering with us over these many years.In this week's Money Wisdom episode, Chris discussed with Richard on why Providend stood out to him, the value of our advice, and Richard's experience with three different client advisers at Providend.It is truly a privilege that we are able to see our clients through their journey from climbing the corporate ladder, being family-stewards, to walking towards retirement and fulfilling their life goals. Providend is very honoured to be part of this process for Richard's life and we want to take the chance to say thank you to all our clients that have been with us and trusted us for so many years.Stay tuned for our next podcast episode, where Amelia from our Brand Experience team will be having a discussion with Chris about his article in The Business Times. Music courtesy of ItsWatR.The host of this episode, Christopher Tan, is Chief Executive Officer of Providend, Singapore's first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.The full list of Providend's Money Wisdom podcast episodes from Season 3 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Download our RetireWell™ eBook Today!Our popular RetireWell™ eBook has been updated! RetireWell™ is a methodology that Providend has developed to design a retirement income plan that will provide you with a safe and reliable stream of income for the rest of your life. Check out the link here to download a complimentary copy of the full eBook today: https://providend.com/publications/#retirewell

As a trusted adviser to our affluent clients for over two decades, our Founder and CEO, Christopher, was recently invited to Guangzhou. During his visit, Chinese stocks rose by 5.93%, driven by the government's pledge of fiscal stimulus, only to retreat by 7.05% the following day—a phenomenon we might call a market frenzy.In this week's Money Wisdom episode, our co-host Amelia from the Brand Experience Team chats with Chris about his own experience getting caught up in short-term market trends and how he lost a significant sum in the '90s.At Providend, we prioritise understanding clients' life goals and major milestones before focusing on financial objectives and selecting suitable instruments. We call these Ikigai goals, and Chris walks us through a case study of John and Amy, a couple in their 50s, who are seeking guidance on retirement, estate, and legacy planning.You can read Chris's article in The Business Times on this topic here: https://providend.com/8-steps-highest-probability-success-money-life Stay tuned for our next episode, where Chris interviews Richard, CEO at TÜV SÜD PSB ASEAN, our client of 17 years to date!Music courtesy of ItsWatR.The host of this episode, Amelia Wong, is the Senior Content & Digital Marketing Executive at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 3 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Subscribe to Our Mailing List Today!If you're interested in getting more of our thought leadership contents, click this link to subscribe to our newsletter today: https://providend.com/#newsletter-subscribe

Welcome back to part eight of this nine-part mini-series, "The Story of Our Clients' Wealth Journey", where we explore the wealth management journey of our clients.As Asia's leading fee-only wealth advisory firm, we have received many questions about who we serve and our work for our clients. So we put together a collection of all the stories that clients and prospective clients shared with us. These stories range from why they sought guidance, the challenges they faced before meeting us, and their journey with Providend. In this week's Money Wisdom episode, our co-host Isaac talks to Evelyn, our Deputy CEO & Chief Advisory Officer, about what happens after the planning is done for our clients and the importance of lifelong conversations. The planning is much like a wedding, but afterwards, maintaining a healthy marriage requires regular conversations, as clients' situations will change through different seasons.Stay tuned for our next podcast episode, where Amelia from our Brand Experience team will be having a discussion with Chris about his article in The Business Times. Music courtesy of ItsWatR.The host of this episode, Isaac Ong, is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 3 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.

As a trusted adviser to our affluent clients for over two decades, our Founder and CEO, Christopher, was invited to the US to attend Dimensional Fund Advisors' Global Advanced Conference. During this trip, he visited San Francisco, Dallas, and Austin, and returned with insights on homelessness, succession planning, and retiring in a foreign land.In this week's Money Wisdom episode, our co-host Amelia from the Brand Experience Team chats with Chris about how young Singaporeans can strike a balance between homeownership and saving for the future, without compromising their quality of life.With housing prices and job security being major concerns, Chris offers advice on how you can live the good life—one that Chris defines as ‘living where you belong, with the people you love, doing purposeful work.'You can read Chris's article in The Business Times on this topic here: https://providend.com/what-my-us-trip-taught-me-about-homelessness-succession-planning-retiring-overseas/Stay tuned for our next episode, where Isaac interviews Evelyn, our Deputy CEO & Chief Advisory Officer, on the importance of having lifelong conversations with our clients.Music courtesy of ItsWatR.The host of this episode, Amelia Wong, is the Senior Content & Digital Marketing Executive at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 3 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Download Investment eBook Today!TBC

Welcome back to part seven of this nine-part mini-series, "The Story of Our Clients' Wealth Journey", where we continue exploring the wealth management journey of our clients.As Asia's leading fee-only wealth advisory firm, we have received many questions about who we serve and our work for our clients. So we put together a collection of all the stories that clients and prospective clients shared with us. These stories range from why they sought guidance, the challenges they faced before meeting us, and their journey with Providend. In this week's Money Wisdom episode, our co-host Isaac talks to Evelyn, our Deputy CEO & Chief Advisory Officer, about the "Advanced Planning" process we implement after our clients' wealth plans have been put into place. They discuss the importance of End-of-Life Planning, Legacy Planning, and Estate Planning, highlighting that there are nuances in planning for our clients' Advance Medical Directive (AMD), Lasting Power of Attorney (LPA), and Advance Care Plan (ACP). Isaac and Evelyn expand on why it is truly a privilege of the Client Adviser to help clients reflect on their values and goals, ensuring their estate and legacy plans aren't just about assets but also the meaningful stories and relationships they leave behind.As Isaac mentioned in the podcast introduction, you can refer to these past two podcast episodes for more details on End-of-Life Planning:All You Need to Know About End-of-Life Planning (Episode 16)All You Need to Know About Estate Distribution, Estate Creation & Estate Preservation (Episode 20)Stay tuned for our next podcast episode, where Amelia from our Brand Experience team will be having a discussion with Chris about his article in The Business Times. Music courtesy of ItsWatR.The host of this episode, Isaac Ong, is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 3 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Grab Your Very Own Money Wisdom Book Today!Some longtime listeners might know that the inspiration behind this entire podcast was our CEO, Chris's book titled Money Wisdom: Simple Truths for Financial Wellness. If you are interested in getting your very own signed copy, please check out the link here: https://providend.com/publications/

As Asia's leading fee-only wealth advisory firm, we understand the challenges faced by business owners who are focused on growing their enterprises and may not have had the chance to develop a comprehensive business exit and succession plan.In this week's Money Wisdom episode, Isaac interviews Jerome Song, Associate Director of Business Exit at Providend, about the critical aspects of a successful succession plan, including preparing future leaders and retaining top talent during what can be a challenging transition.With over two decades of experience in finance, mergers and acquisitions, strategy, and people development, Jerome discusses how he partners with business owners to determine if a family member is suitable to succeed the business. He also cites successful succession planning case studies from companies such as Apple and Bengawan Solo.You may also be interested in an earlier podcast where Jerome discusses how Benny Se Teo, founder of Eighteen Chefs, successfully exited his business, highlighting the importance of accurate business valuation and finding the right buyer to ensure business continuity and employee welfare.Through deep conversations with our advisers, you will gain clarity on what matters most in life and what needs to be done to live a good life, both financially and non-financially. Reach out to us today to start crafting your tailored business exit plan, integrating it into your personal wealth plan: https://providend.com/our-clients/service-enquiry-form/Stay tuned for our next episode, where Isaac interviews Evelyn, our Deputy CEO & Chief Advisory Officer, on the topic of Advanced Planning!Music courtesy of ItsWatR.The host of this episode, Isaac Ong, is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 3 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Subscribe to Our Mailing List Today!If you're interested in getting more of our thought leadership contents, click this link to subscribe to our newsletter today: https://providend.com/#newsletter-subscribe

Being a trusted adviser to our affluent clients for over two decades, our Founder and CEO, Christopher, encourages us to think beyond the financial aspects of retirement, considering the emotional and psychological readiness that is often overlooked.In this week's Money Wisdom episode, our co-host Amelia from the Brand Experience Team digs deeper into this topic with Chris, discussing the importance of having a strong community of friends during retirement, the hardest thing for him to let go of at Providend, and advice he would give to someone who feels anxious about losing their sense of purpose.If you have closely tied your identity to your career, you do not want to miss this episode.You can read Chris's article in The Business Times on this topic here: https://providend.com/beyond-finances-are-you-really-prepared-for-retirement/We welcome you to register for our upcoming Providend's Heritage Webinar on 10 September 2024, at 7:30pm here and we hope to see you there: https://us06web.zoom.us/meeting/register/tZYrcuGppjgtHNFkyOB6oEz3-kaaWxr7CQLM#/registrationStay tuned for our next podcast episode, where our co-host Isaac will be having a conversation with Jerome Song, our Associate Director of Business Exit. To receive first-hand wealth insights from our team of experts, we invite you to subscribe to our weekly newsletter: https://providend.com/#newsletter-subscribeThrough deep conversations with our advisers, you will gain clarity on what matters most in life and what needs to be done to live a good life, both financially and non-financially. We can help you with your retirement planning and unique life goals—make an enquiry with us today: https://providend.com/our-clients/service-enquiry-form.Music courtesy of ItsWatR.The host of this episode, Amelia Wong, is the Senior Content & Digital Marketing Executive at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend's Money Wisdom podcast episodes from Season 3 can be found here.Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Download our RetireWell™ eBook Today!Our popular RetireWell™ eBook has been updated! RetireWell™ is a methodology that Providend has developed to design a retirement income plan that will provide you with a safe and reliable stream of income for the rest of your life. Check out the link here to download a complimentary copy of the full eBook today: https://providend.com/publications/#retirewellRegister for our Providend Heritage Webinar!If you've ever wondered how Providend, Southeast Asia's first fee-only wealth advisory firm, stands apart from traditional commission-based models, this is your chance to find out. Join us to see if fee-only advice is right for you and get practical tips to make smarter financial decisions so you can live the good life you've always desired. Simply click the link here to register:...

As the leading fee-only wealth advisory firm in Asia, we understand the challenges faced by our clients who are business owners with a lot on their minds to grow their businesses and may not have had the chance to think through a business exit and succession plan.In this week's Money Wisdom episode, our co-host Isaac talks to Jerome Song, Associate Director, Business Exit of Providend, to discuss the most pressing issues for small and medium-sized business owners. Jerome brings listeners through the Value Acceleration Methodology that can be broken down into three gates: Discover, Prepare, and Decide. Jerome discusses how Benny Se Teo, the founder of Eighteen Chefs, successfully exited his business, emphasising the importance of an accurate business valuation and finding the right buyer to ensure the continuity of the business and the welfare of the employees.With over two decades of experience in finance, mergers and acquisitions, strategy, and people development, you need not be a business owner to pick up nuggets of wisdom from Jerome in this podcast!With a minefield of financial misinformation out there, we promise to be a safe pair of hands and a second pair of eyes to help you avoid costly financial mistakes. Reach out to us today to start crafting your tailored business exit plan, integrating it into your personal wealth plan: https://providend.com/our-clients/service-enquiry-form/You may also be interested in an earlier podcast on Business Exit with our CEO & Founder, Christopher: https://providend.com/s3e11-key-considerations-for-your-business-exit-plan-the-brain-behind/Stay tuned for our next podcast episode, where Amelia from our Brand Experience team will be having a discussion with Chris about his article in The Business Times.The host, Isaac Ong, is Client Adviser at Providend, Singapore's First Fee-Only Wealth Advisory Firm.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-3/Music courtesy of ItsWatR.Mentioned in this episode:Subscribe to Our Mailing List Today!If you're interested in getting more of our thought leadership contents, click this link to subscribe to our newsletter today: https://providend.com/#newsletter-subscribe

As the leading fee-only wealth advisory firm in Asia, our Founder and CEO, Christopher, shares the lessons he has learnt in Legacy Planning in his Business Times article. With almost three decades of experience in planning for clients, Chris has many stories to share when it comes to Legacy Planning—often mistaken for Estate Planning.In this week's Money Wisdom episode, our co-host Amelia from the Brand Experience Team has a heartfelt chat with Chris on parenting, family relationships, and thoughtful Legacy Planning that goes beyond the scope of the article.Given our conservative Asian culture, glean tips from Chris on how to comfortably discuss your Legacy Plan with your loved ones, and how to balance saving for your children's future while spending on your own happiness.How can you write a heartfelt Letter of Wishes that truly conveys your values and intentions? How can you pass down your values, ethics, and life lessons to the next generation? Listen to this podcast to find out.You can read Chris' article in The Business Times on this topic here: https://providend.com/4-key-lessons-learnt-in-legacy-planning/Stay tuned for our next podcast episode, where our co-host Isaac will be having a conversation with Jerome Song, our Associate Director of Business Exit.Through deep conversations with our advisers, you will gain clarity on what matters most in life and what needs to be done to live a good life, both financially and non-financially. We can help you with your Legacy Planning—make an enquiry with us today: https://providend.com/our-clients/service-enquiry-form.The host of this episode, Amelia Wong, is the Senior Content & Digital Marketing Executive at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-3/ Music courtesy of ItsWatR. Mentioned in this episode:Download Investment eBook Today!TBC

Welcome back to part six of this nine-part mini-series, "The Story of Our Clients' Wealth Journey", where we delve into the wealth management journey of our clients. As the leading fee-only wealth advisory firm in Asia, we have been receiving many questions about who we serve and our work for our clients. So we put together a collection of all the stories that clients and prospective clients shared with us. It ranges from why they are looking for guidance, challenges they faced before meeting us, and their experience working with Providend. In this week's Money Wisdom episode, our co-host Isaac talks to Chin Yu, our Lead of the Advisory Team, about the "Presentation of Plan" meeting we have with our clients. This meeting consolidates all the important information we have discovered over the past few meetings. It incorporates each client's unique needs and specific life goals that they wish to meet.Stay tuned for our next podcast episode, where Amelia from our Brand Experience team will be having a discussion with Chris about his article in The Business Times. Through deep conversations with our advisers, you will gain clarity on what matters most in life and what needs to be done to live a good life, both financially and non-financially. Reach out to us for sound advice on your wealth plan today: https://providend.com/our-clients/service-enquiry-form/The host, Isaac Ong, is Associate Adviser at Providend, Singapore's First Fee-Only Wealth Advisory Firm. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-3/ Music courtesy of ItsWatR.

As the leading fee-only wealth advisory firm in Asia, our Founder and CEO, Christopher, discusses in his Business Times article why you should not simply invest in the S&P 500 alone.With competing views from sources like Business Insider claiming that the S&P 500 will hit 8,000 to 15,000 points by the end of the decade, does this trigger a 'fear of missing out' for you?In this week's Money Wisdom episode, our co-host Amelia, from the Brand Experience Team, asks Chris why the S&P 500 should not be viewed as a simple and seemingly magical solution to a complicated problem. When it comes to enabling your non-negotiable life events such as retirement, it is more important to ensure the reliability and sufficiency of your investment returns.While it is true that you could achieve a higher return by investing in the S&P 500 compared to a globally diversified portfolio of stocks and bonds, the crucial question is whether you can stomach the risks and ride through the extreme volatility that comes with a single-country index.You can read Chris' article in The Business Times on this topic here: https://providend.com/investing-in-the-sp-500-alone-is-not-the-silver-bullet/To ensure a good investment experience, Providend is committed to delivering reliable returns, prioritising this over maximising returns and taking unnecessary risks that do not meet your needs. Learn more about our investment philosophy here: https://providend.com/wealth-solutions/investment-management/Stay tuned for our next podcast episode, where we will be jumping into part 7 of our miniseries: “The Story of Our Clients' Wealth Journey”.The host of this episode, Amelia Wong, is the Senior Content & Digital Marketing Executive at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-3/ Music courtesy of ItsWatR. Mentioned in this episode:RetireWell eBook Download

Welcome back to part five of this nine-part mini-series, "The Story of Our Clients' Wealth Journey", where we delve into the wealth management journey of our clients.As the leading fee-only wealth advisory firm in Asia, we have been receiving many questions about who we serve and our work for our clients. So we put together a collection of all the stories that clients and prospective clients shared with us. It ranges from why they are looking for guidance, challenges they faced before meeting us, and their experience working with Providend. In this week's Money Wisdom episode, our co-host Isaac talks to Chin Yu, our Lead of Advisory Team, about what sets Providend apart, when it comes to crafting a customised wealth plan, specific to each client's unique life events and non-negotiable life goals. A good life varies from person to person and it is crucial to have a deep understanding of each client's needs, and existing resources, putting it through scenario modelling, before we even start to discuss product recommendations or implementations. This third meeting is what Providend terms a "Presentation of Analysis" meeting, which happens after the first two meetings, mentioned in our earlier podcast.Through deep conversations with our advisers, you will gain clarity on what matters most in life and what needs to be done to live a good life, both financially and non-financially. Reach out to us for sound advice on your wealth plan today.We would also like to invite you to our upcoming online webinar on "Understanding Dementia: Financial Implications and Insurance Solutions" on Thursday, 27 Jun 2024, 7:30-9:00pm via Zoom. We have partnered with our sister company Havend on this webinar, where we will explore the financial impact of dementia and how to protect yourself and your loved ones effectively. Click here to register: https://us06web.zoom.us/meeting/register/tZUucO2grT8iHdFuoIxFrCgxGIzmCtKr5Z3B#/registrationFor more information on getting a signed-copy of our Money Wisdom book mentioned by Isaac, and other publications, you can visit this link.Stay tuned for our next podcast episode, where Amelia from our Brand Experience team will be having a discussion with Chris about his article in The Business Times. The host, Isaac Ong, is Associate Adviser at Providend, Singapore's First Fee-Only Wealth Advisory Firm. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-3/ Music courtesy of ItsWatR. Mentioned in this episode:Grab your very own Money Wisdom book today!Some longtime listeners might know that the inspiration behind this entire podcast was our CEO, Chris's book titled Money Wisdom: Simple Truths for Financial Wellness. If you are interested in getting your very own signed copy, please check out the link here: https://providend.com/publications/

As the leading fee-only wealth advisory firm in Asia, our Founder and CEO, Christopher's Business Times article discusses the critical mistake that business owners often make, when they do not integrate their business with their personal wealth planning.In this week's Money Wisdom episode, our co-host Amelia, from the Brand Experience team, sits down with Chris to explore the emotional aspects and his thoughts beyond what was written in the article on the topic of Business Exit Planning. Chris shared the importance on how business owners need to foster a culture that prepares their team for leadership transition. The conversation became deeply personal as it concluded with Chris sharing his heartfelt thoughts on his own business exit plan as CEO of Providend.You can find Chris' article in The Business Times on this topic here: https://providend.com/business-exit-plan-3-key-considerations/Through deep conversations with our advisers, you will gain clarity on what matters most in life and what needs to be done to live a good life, both financially and non-financially. This includes plans for your business exit & succession and your retirement. Learn more about our business exit and succession planning philosophy here: https://providend.com/wealth-solutions/business-exit-succession-planning/Stay tuned for our next podcast episode, where we will be jumping into part 5 of our mini-series: "The Story of Our Clients' Wealth Journey".The host of this episode, Amelia Wong, is the Senior Content & Digital Marketing Executive at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-3/ Music courtesy of ItsWatR. Mentioned in this episode:Subscribe to our mailing list for more content!If you're interested in getting more of our thought leadership contents, click this link to subscribe to our newsletter today: https://providend.com/#newsletter-subscribe

Welcome back to part four of this nine-part mini-series, where we delve into the wealth management journey of our clients.As the leading fee-only wealth advisory firm in Asia, we have been receiving many questions about who we serve and our work for our clients. So we put together a collection of all the stories that clients and prospective clients shared with us. It ranges from why they are looking for guidance, the challenges they faced before meeting us, and their experience working with Providend.In part one of this mini-series, we covered who our clients are, their concerns, and their need for a trusted wealth adviser. Following that, in part two, we shared the potential reasons for a lack of trust in the advisory industry and the need for sound wealth advice. In part three, we discussed how Providend was set up to be the trusted adviser to our clients, to guide them through a minefield of misinformation with honest, independent, and competent advice.In this week's Money Wisdom episode (part four), our co-host Isaac interviews Christopher, our Founder & CEO, about Providend's advisory and planning process and why we go the extra mile to understand our clients' life goals before making any recommendations to them.The first meeting is termed a "Pre-Discovery" meeting, where we will decide whether there is a mutual fit, before arranging for subsequent meetings. And like a good slow-boil soup, the subsequent meetings are where we take time to know our clients, and what a good life means to them. This is of absolute importance to us, before we start to embark on suggesting specific instruments that would be suitable for them.Stay tuned for our next podcast episode, where Amelia from our Brand Experience team will be having a discussion with Chris about his article in The Business Times. Do watch out for it!The host, Isaac Ong, is Associate Adviser at Providend, Singapore's First Fee-Only Wealth Advisory Firm. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-3/ Music courtesy of ItsWatR. Mentioned in this episode:Rate Our Podcast on Your Favorite Platform

Being a trusted adviser to our affluent clients for over two decades, it is important to ensure the reliability and sufficiency of investment returns to meet our clients' non-negotiable life goals.Some weeks ago, our CEO Chris encountered three situations that inspired him to write his Business Times article, with one of them being his recent trip to Guangzhou as a keynote speaker at the Morningstar (China) 2024 Investment Summit. A common theme running through all three encounters was the challenge for investors to stay invested.In this week's Money Wisdom episode, our new co-host Amelia, from the Brand Experience team, interviews Chris, beyond what was written in the article. Chris opened up about the lessons Singaporean investors can learn from the Chinese and also shared a case study of what a non-negotiable life goal is and the importance of holistic wealth advice that contributes to our clients achieving these goals.You can find Chris' article in The Business Times on this topic here: https://providend.com/a-more-reliable-way-to-get-enough-investment-returns/Stay tuned for our next podcast episode, where we will be jumping into part 4 of our mini-series: "The Story of Our Clients' Wealth Journey".The host of this episode, Amelia Wong, is the Senior Content & Digital Marketing Executive at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-3/ Music courtesy of ItsWatR. Mentioned in this episode:Chicken Soup eBook Download

Welcome back to part three of this nine-part mini-series, where we delve into the wealth management journey of our clients. As the leading fee-only wealth advisory firm in Asia, we have been receiving many questions about who we serve and our work for our clients. So we put together a collection of all the stories that clients and prospective clients shared with us. It ranges from why they are looking for guidance, challenges they faced before meeting us, and their experience working with Providend. In this week's Money Wisdom episode, our co-host Isaac talks to Chin Yu, our Lead of Advisory Team, about the two qualities that a trusted adviser should have. Chin Yu also shares more about how Providend's collective wisdom, philosophies and strong work culture push the team forward to become trusted advisers, as we manage over S$1 billion worth of our clients' assets with care, so our clients can reliably meet their non-negotiable life goals. Stay tuned for our next podcast episode, where Amelia from our Brand Experience team will be having a discussion with Chris about his article in The Business Times. Do watch out for it!The host, Isaac Ong, is Associate Adviser at Providend, Singapore's First Fee-Only Wealth Advisory Firm. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-3/ Music courtesy of ItsWatR. Mentioned in this episode:RetireWell eBook Download

Welcome back to part two of this nine-part mini-series, where we delve into the wealth management journey of our clients.Being a trusted adviser to our affluent clients for the past two decades, we have been receiving many questions about who we serve and the work that we do for our clients. So we decided to put together a collection of all the stories that clients and prospective clients shared with us. It ranges from why they are looking for guidance to challenges they faced before meeting us, and their experience working with Providend.In this week's Money Wisdom episode, our co-host Isaac probed our Deputy CEO & Chief Advisory Officer, Evelyn Goh, with several difficult questions on the common issues faced by clients in their search for a trusted wealth adviser. Evelyn addressed the elephant in the room when talking about the "4Cs" that possibly frustrate clients when all they desire is for their needs to be met. She also shared the painful truth that no single adviser can be competent in all areas of a comprehensive wealth plan, and why is that so?Stay tuned for our next podcast episode, where our co-host Jin will be talking to Chris about his article in The Business Times. Following that, our next episode will be part three of this new series, so please look forward to that!The host, Isaac Ong, is Associate Adviser at Providend, Singapore's First Fee-Only Wealth Advisory Firm. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-3/ Music courtesy of ItsWatR. Mentioned in this episode:Grab your very own Money Wisdom book today!Some longtime listeners might know that the inspiration behind this entire podcast was our CEO, Chris's book titled Money Wisdom: Simple Truths for Financial Wellness. If you are interested in getting your very own signed copy, please check out the link here: https://providend.com/publications/

It has been a month since the CPF changes were announced, and there are still ongoing discussions in the media, online, and in various finance chat groups. With all the noise surrounding this 'hot topic,' our CEO, Chris, shared a simple guide in a Business Times article, which all Singaporeans can refer to when considering their next steps in light of these changes.In this week's Money Wisdom episode, our co-host Jin interviews Chris, as he digs deeper into this article to discuss the pros and cons of a private annuity plan and CPF LIFE, with your life goals and savings plan in mind. Chris shares how crucial it is to have a robust wealth plan, as government policies and your personal needs may change over time.You can read Chris' article in The Business Times on this topic here.Also, stay tuned for our next podcast episode, for part 2 of a nine-part series that covers the wealth management journey of our clients!You can register for the webinar here: https://us06web.zoom.us/meeting/register/tZ0pdO6tpjkqGtXRgF8CkipS_KAw0mI4tbuW#/registrationThe host of this episode, Jin Lee, is an Associate Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-3/ Music courtesy of ItsWatR. Mentioned in this episode:Subscribe to our mailing list for more content!If you're interested in getting more of our thought leadership contents, click this link to subscribe to our newsletter today: https://providend.com/#newsletter-subscribe

Providend has always been proud to share that we are Southeast Asia's first fee-only advisory firm. In recent years, we have been receiving many questions about who we serve and the work that we do for our clients.In this nine-part sequential mini-series, we will delve into the wealth management journey of our clients. This is a collection of all the stories that clients and prospective clients shared with us ranging from why they are looking for guidance to challenges they faced before meeting us, and their experience working with us. We are sure you would find something that resonates with you in your own wealth journey and glean some interesting insights.In this week's Money Wisdom episode, our CEO Chris, and co-host Isaac, begin by telling the tale through the perspective of our clients - the protagonist of this story. As you continue through the series, you will learn about the values that they hold dear and the common thread that runs across what clients are looking for in a credible wealth adviser.Stay tuned for our next podcast episode, where our co-host Jin will be talking to Chris about his article in The Business Times. Following that, our next episode will be part two of this new series, so please look out for it!Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode every Thursday at 8pm: http://www.youtube.com/@ProvidendSGThe host, Isaac Ong, is Associate Adviser at Providend, Singapore's First Fee-Only Wealth Advisory Firm. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-3/ Music courtesy of ItsWatR. Mentioned in this episode:Rate Our Podcast on Your Favorite Platform

The CPF changes announced during #Budget2024 have been receiving a range of opinions on the ground as Singaporeans who had "Special Account shielding" on their minds, question their next steps when it comes to retirement planning. Given the unpopular opinions, is this the right move to make for the primary purpose of the CPF? What do these changes mean to you as a young accumulator or a near-retiree? In this week's Money Wisdom episode, our CEO, Chris, encourages us to dig deeper and to ask ourselves what the original intent was for the monies left behind in our CPF balances after turning 55, should these changes not have been announced in the first place. That would give us a good idea of the next steps to take. Also, stay tuned for our next podcast episode, where we will be going through a client case study!Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode every Thursday at 8pm: http://www.youtube.com/@ProvidendSGThe host of this episode, Jin Lee, is an Associate Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-3/ Music courtesy of ItsWatR. Mentioned in this episode:RetireWell eBook Download

Until today, Providend remains the only fee-only wealth advisory firm in Southeast Asia, a model inspired by the U.S. and Australia - why is that so? For the average person seeking trustworthy wealth advice that is client-centric, should they exclusively consider fee-only wealth advisers? Also, what are the differences between fee-only and fee-based advisers? In this week's Money Wisdom episode, our CEO, Chris, and our Co-Host, Jin, discuss this controversial topic of the various compensation methods in the financial advisory world and the pros and cons of each. After listening to this podcast, we hope you will gain clarity on how to best evaluate the type of financial adviser that is most suitable for your needs. Stay tuned for our next "The Brain Behind" episode, where we delve deep into Chris' upcoming Business Times article!The host of this episode, Jin Lee, is an Associate Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-3/ Music courtesy of ItsWatR. Mentioned in this episode:Subscribe to our mailing list for more content!If you're interested in getting more of our thought leadership contents, click this link to subscribe to our newsletter today: https://providend.com/#newsletter-subscribe

The philosophy of sufficiency serves as the anchor for everything we do here at Providend—whether it's planning for our clients, investing for them, or providing advice. Sufficiency is about having enough, but the question remains: when is enough truly enough? How do we find contentment in life, and what does contentment mean?In this week's Money Wisdom episode, our CEO, Christopher Tan, elaborates on how we can identify the things that are important to us, which he terms as life decisions, and also "ikigai" decisions—those that help us live our day-to-day life in a way that is worth living. Financial decisions can then be arranged to support these life decisions.You can find The Business Times article "How to Make Life Decisions" here, where Chris shares the true meaning behind "ikigai" and how you can discover the life you have always desired to live: https://providend.com/how-to-make-life-decisionsMeanwhile, stay tuned for our next episode!The host of this episode, Jin Lee, is an Associate Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia. Did you know that our Providend's Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode every Thursday at 8pm: http://www.youtube.com/@ProvidendSGMusic courtesy of ItsWatR. Mentioned in this episode:Rate Our Podcast on Your Favorite Platform

Welcome to the FIRST episode of Providend's Money Wisdom Podcast Season 3!For this season, we are doing things a little differently in our sharing of money wisdom with you. We will be introducing various mini-series covering different aspects of your overall wealth plan holistically. But first, let's get to know more about your new co-host, Jin Lee, Associate Adviser at Providend.In this episode, Jin shares her interesting past experience and thorough research on Providend before making a career switch to join us. Even though Jin has only been with us for a short time, her interest in personal wealth and passion to do the right thing will surely make her a great co-host, alongside Isaac!Meanwhile, stay tuned for the next episode where Jin hosts our podcast for the first time, discussing the topic of acquiring a property in Singapore before the age of 35.If you are interested in joining our Providend Associate Adviser Programme, kindly visit this link to find out more: https://providend.com/careers/Music courtesy of ItsWatR.

Every Monday, Providend's Money Wisdom will discuss popular wealth topics to share some money wisdom in navigating through the minefields of misinformation and false promises so you can achieve financial security and peace of mind.Also available in video format on YouTube every Thursday at 8pm.An original podcast produced by Providend Ltd.Do you have any feedback or questions? Write to us at communications@providend.com

Did you know that Dave Butler, Co-CEO of Dimensional Fund Advisors (DFA), was a former professional basketball player? Standing at over two metres tall, how did he come to and stay in his role at DFA for the past 28 years, instead of pursuing his career in basketball?In this week's Money Wisdom episode, Dave recounts his journey in one of the biggest fund management companies in the world. With the wealth of knowledge he possesses, he shares his views on money and explains why he still believes that having a wealth adviser is essential for leading a peaceful life.You can find the video version of this podcast episode on YouTube here: Meanwhile, stay tuned for exciting updates coming soon!The host of this episode, Evelyn Goh, is the Deputy CEO and Chief Advisory Officer at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-2/ Music courtesy of ItsWatR.

Having a roof over your head is one of the necessary aspects of life. However, nowadays, many people in Singapore view properties as an investment and often even prefer these over equities. So, the question arises: Should you focus on property investment?In this week's Money Wisdom episode, Chin Yu discusses why people might prefer to invest in properties over equities and whether Providend considers it as an investment, using our investment framework.You can refer to Chin Yu's article on properties and their suitability in your overall investment portfolio here: https://providend.com/how-should-property-fit-into-your-overall-investment-portfolio/As mentioned, this is a video podcast, so you want to watch this episode on YouTube here: https://youtu.be/KNyayoE3tJEMeanwhile, stay tuned for our next episode, where we will be joined by a very special external guest!The host, Isaac Ong, is Associate Adviser at Providend, Singapore's First Fee-Only Wealth Advisory Firm. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-2/ Music courtesy of ItsWatR.

With the latest changes to investment-linked policies (ILPs), many investors may be contemplating the inclusion of this product in their investment portfolios. This prompted our CEO, Chris, to write his latest article in his The Business Times column, addressing the suitability of ILPs for your investment strategy.In this week's Money Wisdom episode, Chris expounds on the four pillars of our investment philosophy - economic contribution, empirical observation, implementation, and practical considerations – and explains how we use these to determine whether to include ILPs in our portfolio for clients.You can refer to The Business Times article here: https://providend.com/are-investment-linked-policies-suited-for-executing-your-investment-strategy/Meanwhile, stay tuned for our next episode where we'll discuss the pros and cons of investing in equities versus properties!The host, Isaac Ong, is Associate Adviser at Providend, Singapore's First Fee-Only Wealth Advisory Firm. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-2/ Music courtesy of ItsWatR.

It is inevitable to avoid crises or market downturns during your long-term investment journey. While we acknowledge that some turbulence is normal in any flight, it doesn't guarantee our hearts can always withstand the market's volatility. That's why, at Providend, we are committed to coaching our clients even before they embark on their investment journey. In this week's Money Wisdom episode, Evelyn Goh, our Deputy CEO and Chief Advisory Officer, shares Providend's experience through the various crises and our process of holding our clients' hands through those difficult times. Meanwhile, stay tuned for the next episode where Chris discusses more about his latest article on The Business Times!The host, Isaac Ong, is Associate Adviser at Providend, Singapore's First Fee-Only Wealth Advisory Firm. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-2/ Music courtesy of ItsWatR.

At Providend, we've always advocated an evidence-based approach when investing your money and do not attempt to time the market. One might assume that, as long as you invest your money this way, you would be in good shape. However, another crucial piece of the puzzle is using the right instrument with the right investment manager. This was why Providend decided work with Dimensional Fund Advisors (DFA) to enhance the investment experience for our clients.In this week's Money Wisdom episode, our Head of Investment, Chye Hsern, is joined by Dr. Marlena, Global Head of Investment Solutions at DFA, to delve deeper into the DFA approach to managing their funds, ultimately benefiting our clients who will have peace of mind in their investment journey.You can also read more about Chye Hsern's thoughts on active investing that adds value to the client here - https://providend.com/active-investing-that-adds-value-to-the-clientMeanwhile, stay tuned for our next episode where we compare the pros and cons of investing in properties vs equities!The host of this episode, Cheng Chye Hsern, is the Head of Investment at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia. Learn more about Chye Hsern's wealth insights here.View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-2/ Music courtesy of ItsWatR.

More often than not, many investors assume that once they have completed their wealth plan when they are younger, they do not need to revisit it. However, this is not a reliable approach to managing your wealth plan. As accumulators, there are numerous unexpected events for which you may not have planned. Similarly, there are concerns as retirees that you did not encounter when you were younger.In this week's Money Wisdom episode, Alvin, our Client Adviser, discusses the differences you should take note of when planning for these two different life stages so that you can develop a comprehensive wealth plan for the long term.Meanwhile, stay tuned for our next episode, where we will be joined by a very special external guest!The host, Isaac Ong, is Associate Adviser at Providend, Singapore's First Fee-Only Wealth Advisory Firm. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-2/ Music courtesy of ItsWatR.

In a previous article written for The Business Times, Chris, our CEO, explained the different ways an adviser could be compensated – commission-based, fee-based, or fee-only. However, it is important to note that the different compensation methods alone do not determine if an adviser is the right one for you.In this week's Money Wisdom episode, Chris shares the three things you should take note of when choosing the right adviser for yourself and how Providend strives to uphold these in our day-to-day processes.You can also read Chris' Business Times article here: Choosing a Wealth Adviser That Will Always Do the Right Thing for You.Meanwhile, stay tuned for our next episode, where we discuss how an accumulator or a near-retiree should plan for their wealth respectively.The host, Isaac Ong, is Associate Adviser at Providend, Singapore's First Fee-Only Wealth Advisory Firm. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-2/ Music courtesy of ItsWatR.

After finding the right instrument to invest in, the next question many investors might have is whether they should invest their entire amount all at once (Lump Sum) or spread it out over a few months (Dollar Cost Averaging). There are merits to both approaches, but which one is right for you?In this episode, Zhi Han, our Client Adviser, shares the historical evidence for both methods and highlights an important factor investors should consider when deciding between the two.Meanwhile, stay tune for the next episode where Chris discusses more about his latest article on The Business Times!The host, Isaac Ong, is Associate Adviser at Providend, Singapore's First Fee-Only Wealth Advisory Firm. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-2/ Music courtesy of ItsWatR.

The third quarter of 2023 has been a challenging three months, as the MSCI All Country World IMI Index and the Bloomberg Global-Aggregate, our references for equities and bonds respectively, both fell this quarter.In this week's Money Wisdom episode, Choon Siong, our Research Analyst, shares the key catalyst of market movements and discusses the outperformance of value stocks over growth stocks.You can also read our complete market review of September here.Meanwhile, stay tuned for our next episode where Zhi Han, our Client Adviser, shares his views on lump sum investing versus dollar cost averaging.The host, Isaac Ong, is Associate Adviser at Providend, Singapore's First Fee-Only Wealth Advisory Firm. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-2/ Music courtesy of ItsWatR.

Investment-Linked Policies (ILPs) have always been a heavily debated and controversial topic among investors. To make matters worse, there are multiple types of ILPs being sold, and all with varying features. At Providend, we had previously stated our stance against the use of ILPs in our clients' portfolio. However, with the changes around the new Wealth ILPs, will this change our stance?In this week's Money Wisdom episode, Mike Zhang, our Insurance Specialist, gives an overview of the different types of ILPs and all its features, its pros and cons, and his views on whether Wealth ILPs would fit into Providend's investment philosophy, or not.You can also hear Chris' view on ILPs in his interview with the BagHolder Pod team here.Meanwhile, stay tuned for our next episode where Choon Siong, our Research Analyst, shares how the markets had performed for quarter three of 2023.The host, Isaac Ong, is Associate Adviser at Providend, Singapore's First Fee-Only Wealth Advisory Firm. View the full list of podcast episodes published: https://providend.com/providends-money-wisdom-podcast-season-2/ Music courtesy of ItsWatR.