Quick answer
A financial planner in Singapore helps you organise income, CPF, insurance, investments and legacy into one workable plan. Choose a MAS-licensed representative, verify their credentials (CFP®, ChFC®) and representative number, and expect a complimentary first meeting focused on your goals, not on selling products.
What does a financial planner in Singapore actually do?
A financial planner helps you organise your money around your life. In Singapore that means understanding how CPF Ordinary, Special, MediSave and Retirement Accounts interact with your goals; how much protection your family genuinely needs; how to invest sensibly across unit trusts, ILPs and other instruments; and how to pass on what you build through wills, nominations and Lasting Power of Attorney.
Good planners follow a structured process, discovery, analysis, recommendation, implementation and regular review, rather than leading with a product. At Affinity Group we call this education-first advice: you should understand every recommendation well enough to explain it to your family.
How to check that a financial planner is licensed
In Singapore, anyone who advises on life insurance or investment products must be an appointed representative under the Financial Advisers Act, regulated by the Monetary Authority of Singapore (MAS). You can verify any representative on the MAS Financial Institutions Directory and Register of Representatives.
Affinity Group advisors are representatives of Infinity Financial Advisory Pte Ltd, a licensed financial advisory firm. Every advisor's representative number is shown on their profile on this website so you can verify it yourself.
Credentials worth looking for
Beyond the mandatory licence, professional designations show a planner has invested in deeper training. The Certified Financial Planner (CFP®) and Chartered Financial Consultant (ChFC®/S) marks cover comprehensive planning; the Associate Estate Planning Practitioner (AEPP®) focuses on wills, trusts and legacy; and Million Dollar Round Table (MDRT) membership recognises sustained professional standards and client service.
Several Affinity planners hold CFP®, ChFC®/S or AEPP® designations, and the team includes MDRT, Court of the Table and Top of the Table qualifiers. Credentials are listed on each advisor's profile.
Questions to ask before you choose
- Which firm are you licensed with, and can I verify your representative number?
- How do you get paid, and will you explain the cost of every recommendation?
- Do you plan across my whole situation (CPF, protection, investments, estate) or only one area?
- How often will we review the plan, and what happens if my circumstances change?
- Can you show me how you have helped clients in a situation similar to mine?
How Affinity Group planners work
Affinity Group is a group of 31 Financial Adviser Representatives representing Infinity Financial Advisory Pte Ltd, led by Senior Group Financial Services Director Ng Jian Da, CFP®, AEPP®. Because we operate as one team, you are matched to a planner whose specialism fits your need, whether that is a young family's protection review, a pre-retiree's CPF LIFE strategy, an estate plan for a multi-generational family or employee benefits for an SME.
Every relationship starts with a relaxed, no-obligation conversation. From there your planner builds a written plan, walks you through each recommendation and stays with you through annual reviews and life's changes.
