How to build recession-resilient portfolio without spending time investing on your own

Retire comfortably with stable investments with this little-known framework


Apply for a 1-to-1 free consultation with us to find out how.

IPP Financial Advisers

Million Dollar Round Table Top 5% of Financial Advisers Worldwide

Certified Financial Planner

Here's what some of our top clients have to say

Why work with us?

Hello, we are The Money Folks.

We are a team of financial adviser's representatives from IPP Financial Advisers who seek to help Singaporeans grow their untapped wealth, so they can potentially retire by 50 with several passive income streams.

We have close to 10 years of experience in the financial advisory industry and some of us are recognised as the top 5% of financial advisers worldwide.

Apply for a 1-to-1 free consultation with us to find out how to grow your wealth.

8 in 10 Singaporeans underestimate their retirement amount by 31%*

This means you could potentially run out of cash just 10 years into your retirement.

With frequent business and technological disruptions, what took you to where you are today may not be able to help secure your future.

Gone are the days when we can depend on one single source of income our entire life.

The pandemic has taught many of us that putting all our eggs in a single basket is risky.

Yes, regardless of whether it’s our job or business.

In this day and age, everything is unpredictable and we are all replaceable.

You can also no longer just rely on your future CPF payouts alone.

This is why it’s important to invest and grow your wealth with multiple streams of income. That’s when you reduce the risks of being disrupted by the pandemic or any other major economic changes.

Having multiple income streams means we have something to fall back on even if we lose our main source of income.

* OCBC's annual Financial Wellness Index

Apply for a 1-to-1 free consultation with us to find out how to grow your wealth.

Never underestimate the overwhelming compounding effect of investment

Calculate your potential retirement sum

Some of you may invest on your own, but do you realise:

With as little as $20/day, let us help you grow your wealth through multiple income streams

Retire 10-15 years earlier with our investment strategy. Apply for a free consultation to build your wealth growth roadmap.

With nearly 10 years in the financial industry, we have found that existing solutions are definitely not enough

Many existing financial planning approaches are either outdated or don’t give you a bird’s eye view of how your assets can come together to help you achieve your financial goals.

This is because insufficient resources are dedicated to the average investor to keep up-to-date on how your specific portfolio can be regularly optimised to reach your financial goals.

Find out how we do things differently →

By investing as little as $20/day, you get a personal Chief Financial Officer (CFO) for you AND your family

Designed by our CFP®️, our award-winning framework provides busy Singaporeans with better financial clarity and what they need to do to achieve their goals. This is what you can expect from us:

  • Multiple-income-stream projection: Unlocking the value of your sleeping assets, to maximise the potential of your CPF, reserve funds and invested assets
  • Risk-and-return assessment: Create a portfolio aligned with your risk tolerance level that gives you steady returns, depending on your investment timeframe, so you don’t get a shock you are not prepared for.
  • Retirement income projection: An action plan you can implement today to create a retirement fund surplus or deficit to help you escape the rat race 10 to 15 years earlier.
  • Financial health assessment: Analysing where your financial health is to make sure your liabilities work for and not against you, as most Singaporeans have significant net worth tied up in housing, car and education loans.

Our multiple-income-stream framework has helped more than 400 Singaporeans secure a comfortable future

✅ We are certified licensed financial professionals

 More than 400 Singaporeans have benefited from our service and are on track to potentially retire 10-15 years earlier.

 No hidden costs and all foreseeable risks will be communicated upfront

 No unethical recommendation of what is unsuitable for you (because when we successfully grow your wealth for you, we are growing our wealth too!)

Transparent fees with stellar financial planning

Here’s what our clients have to say

Before meeting Celester, I felt that my financial portfolio was very unorganised, and I was not even sure what I was investing in, as my previous advisors were not clear in their explanations. I didn’t even know what to invest in or what are my options. I felt that I could have put my money to better use.

During the session with Celester, she was very clear in her explanation, very detailed, precise and patient. It felt like she is not doing it to earn the commission but she wanted her clients to be happy in what they are investing in. Before the session, there was no visibility regarding my retirement income. However, during the session, she helped me understand how I can optimize my resources to create additional wealth through her multi-income streams framework. With her framework, I was able to reduce my retirement shortfall by 24%. The report given by her was very useful, it gives me an overview of my portfolio and the multi-income streams framework was easy to refer to.

People should meet her to really understand their finances. She is not pushy to make the sales and it’s also good to start investing rather than wait until it’s too late. Even for people with money, they need to learn to grow their money.

Michele Anna Louis Regional Key Account Manager Asia-Pacific, DSV

When I first met Felicia, I told her I would neither become her client nor refer any business to her until she proved she could be trusted to give sound and pragmatic financial advice that’s tailored to my needs. I’m glad to say that over the years I’ve known her, she’s fully earned my trust and has consistently delivered on her promise to help me achieve financial security and plan for the uncertain future.

Thanks Felicia, for all your help and enduring professionalism!

Haoren Fu Transaction Risk Manager, Vice President – Private Equity & M&A Services at Marsh

I met Celester in DHL. She shared the risk management profile on my existing policies. From this session, I get to further understand my policies coverage sufficiency and what is the coverage that is required to further enhance it. On top of that, she was able to reduce my retirement shortfall by 20%. I have personally introduced 7 friends to her.

Lyn Chua, 44 Finance Analyst, DHL

I have known Melvin for the past 2 years, we used to work closely together. I’m thankful that he still puts in the effort to keep in contact, and always keeps my well being as top priority whenever we meet to discuss my financial portfolio. I’ve referred a few of my friends to speak to him, so that they can better prepare for their future as well.

Keep striving for the best, Mel!

Clare Seah, 24 Product Manager

Want to grow your wealth through multiple income streams?

Find out how we can produce these results for you too.

What we can do for you

✔️ Retirement planning and investment portfolio management

✔️ Holistic financial planning for you and your family

✔️ Risk and protection planning

✔️ Multigenerational wealth planning and distribution

However, do not proceed if:

  1. You are just looking to get rich quick, eg. Expecting to turn $10,000 to $1 million within a year.
  2. You are looking for 50% returns with 0% downside. With high returns, there’s always a certain level of risk.
  3. You want to invest long term but are unwilling to have the patience and discipline to see your goals to fruition
  4. You expect only positive returns all the time – anyone who promises you this is likely a scam. What we do, however, is allocate your assets appropriately to help you limit your downside risks while optimising your gains.

Keen to grow your wealth and retire 10-15 years earlier?

Get a non-obligatory, free consultation call (worth of $500) with us

Who are we?

Our Founding Story

We are a team of 3 financial adviser's representatives who have banded together because of our common values and beliefs in financial planning. Having grown up in low to middle-income families, we deeply feel the impact of good versus bad financial planning and we want to help our clients avoid the painful mistakes some of our family members and relatives have made.

Our team is like a family, and we are constantly striving to grow together to improve our knowledge and expertise, so as to do a better job for our clients – especially as they go through different stages in life and have evolving needs.

Some of us are Certified Financial Planners (CFP®️), which is the gold standard in financial planning, as well as recipients of the Million Dollar Round Table (MDRT), which is awarded to the top 5% of financial advisers worldwide.

Celester Loh

Due to a lack of financial awareness, Celester spent her formative years living hand to mouth. Her family’s income barely covered their basic expenses, much less pay off their debts.

Water and electricity cuts were so common that showering involved just a dripping shower head. Once, she could not even collect her exam results as her school fees were not paid.

That made her strive to work extra hard. She understands how financial planning is crucial to help families avoid and break out of the poverty cycle. Therefore, she entered the financial advisory industry so she can help other families grow their pay cheques and even create new ones, instead of living from one pay cheque to another.

Felicia Poh

Felicia grew up understanding the importance of investment and financial planning. It all started with her granddad, who learnt to invest on his own. Her dad picked up his habits while Felicia picked up her dad’s investment habits subsequently.

As her father deeply understood the importance of good financial planning from young, he was able to create a secure and stable home for her and her brother to thrive in. They did not have to worry about whether they had food on the table the next day. Due to her father’s sound financial planning, Felicia and her brother also graduated debt-free.

At the same time, they also saw friends around them who were not as fortunate due to poor financial decisions made by their families, which undid the years of hard-earned savings they had accumulated.

This also motivated her to work hard and save up diligently even during her school days.

She realised that the impact of good financial planning can span across a few generations, and she wants to help families do the same so that their future generations can reap the fruits of the seeds they plant today.

Melvin Lim

Melvin’s biggest fear since young is to be old and filled with regrets. He believes that with money, there would be more options for people to live the life they want to live. And he believes that life is about having new experiences and being able to afford to do so.

Having grown up in a middle-income family, he has seen relatives struggle with money and feels they are not living with dignity. Their quality of life is affected and they are not living the life they wanted.

As the days pass, they started to become bitter and go through life grudgingly. Melvin feels that he has an inner fear of becoming like these relatives who go through life with regret.

He believes that it is only through good financial planning that we can navigate ourselves out of poor financial situations, and gain more clarity on how we can grow towards where to want to be.

And this is precisely what he wants to empower his clients to do – so that they can take action with clarity and work towards the life they want to lead.

Keen to grow your wealth and retire 10-15 years earlier?

Get a non-obligatory, free consultation call (worth of $500) with us

Our Values

✔️ We believe in giving sound financial advice based on our clients’ needs, and make evidence-based recommendations.

✔️ We don’t make ‘get rich quick’ promises, but with patience and consistency, we help our clients achieve their financial goals.

✔️ We seek a long term mutually respectful working relationship with our clients, and we hope to journey with them and their families through different milestones in their lives.

Keen to grow multiple income streams to retire 10-15 years earlier?

Find out how we can help you grow your wealth and create passive income

Disclaimer: Investments have risks. Past performance is not necessarily indicative of the future or likely performance of an investment. This advertisement has not been reviewed by the Monetary Authority of Singapore.

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