1291 ASIA PTE. LTD.
MAS licence no. 228551
MAS
📋 Tax planning profile · Central Region (CDT)
IFAs & wealth managers
in
Singapore
632 MAS-verified firms · Central Region
Singapore
Central Region
© Wikimedia
S$1,240
per sqft
📈 Mid-market
S$130K
median income/yr
↑ Above national median
📍 Singapore · · Central Region
Local market
🏛️
MAS-licensed firms
632
verified on Advisor Index
🔵
Independent firms
100%
majority independent
Top specialties
📊
Asset Manager
66% of firms
🔓
Independent FA
10% of firms
Local context — Singapore
Wealth profile: High
💵
Median income
$130,428
per year · +493% vs. nat.
🏠
Property price
$1,240/sqft
URA · accessible
🔑
Owner-occupiers
87.0 %
high property ownership
💼
Unemployment rate
2.1 %
solid employment
🏭
Businesses
280,000
dense economic fabric
📍
Density
8,060 res/km²
hyper-dense
🎓
Executives
32.0%
of workforce · very high concentration
🚀
Business owners
6.0%
directors & SME owners · business owners present
🌏
Expatriate residents
7%
of population · mainly local residents
🏘️
HDB residents
78%
public housing · mixed HDB / private
📅
Median age
42 yrs
mid-career — growth & protection
📈Above-average household income🔑High owner-occupier rate💼Low unemployment rate💼High business density🎓High concentration of executives & professionals
Sources: SingStat, URA, MAS, local socioeconomic data
🗓️
When residents of Singapore seek a financial adviser
These life events often trigger a wealth planning conversation. Do any of these apply to you?
🏖️
Your CPF may not be enough for retirement
Most Singaporeans retire on 50–70% of their last drawn income. A MAS-licensed financial adviser calculates your shortfall and tailors a solution — SRS, investment-linked plans, or income annuities — before it is too late.
IFA specialised in retirement →📋
Maximise your SRS contributions this year
At higher income levels, topping up your Supplementary Retirement Scheme account can reduce your chargeable income by up to S$35,700/year (foreigners) or S$15,300 (citizens/PRs). A financial adviser ensures the strategy aligns with your overall portfolio.
IFA specialised in SRS →📜
Estate planning: CPF nomination & LPA
87% of households in Singapore are owner-occupiers. Without a valid CPF nomination and a Lasting Power of Attorney (LPA), your assets may not reach the right beneficiaries. A financial adviser coordinates these alongside your will.
IFA specialised in estate planning →🌏
Expatriate: organising your finances before repatriation
32.0% of Singapore residents are professionals and executives, many on Employment Passes. Repatriation triggers tax residency changes, CPF/SRS withdrawal windows, and policy portability issues. Planning 12–24 months in advance is essential.
IFA specialised in expat planning →Property market in Singapore
URA · data.gov.sgMedian price (URA)
S$1,240/sqft
On a national scale (max ~S$3,000/sqft)
Affordability ratio
0.5yrs
of median income for a 500sqft flat
✓ Affordable
Market segment
Mid-market
Investment optimisation & CPFIS
💡 What this means for your wealth strategy in Singapore
✓ CPFIS investing can boost retirement returns while managing risk
✓ SRS contributions reduce taxable income — especially valuable above S$80k/yr
✓ Leverage financing: invest using bank credit at historically low spreads
✓ REITs and diversified portfolios complement direct property ownership
Find a MAS-licensed financial adviser in Singapore — 632 MAS-licensed advisers listed. Singapore presents a high-income economic profile, with a median household income of $130,428/yr. With 32% of residents in executive or professional roles, Singapore concentrates one of Singapore's most demanding financial planning client profiles. For Singapore residents with meaningful savings capacity, SRS contributions, CPFIS optimisation, and investment structuring are the key financial planning priorities.
Wealth managers in Singapore
632 MAS-verified financial advisers · Central Region (CDT)
Firm type
360 ONE CAPITAL PTE. LTD.
MAS licence no. 2032
MAS
42 WEALTH MANAGEMENT PTE. LTD.
MAS licence no. 414096
MAS
8 CAPITAL ASSET MANAGEMENT PTE LTD
MAS licence no. 241157
MAS
8VANTEDGE PTE LTD
MAS licence no. 231387
MAS
ABA INSURANCE BROKERS PTE. LTD.
MAS licence no. 246841
MAS
Advisor Index service
Financial adviser in Singapore
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- ✓ 3 IFAs selected for your profile
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Why consult a financial adviser in Singapore?
Median household income is $130,428/year — above the Singapore median household income. 87% of households are owner-occupiers. Median property price is S$1,240/sqft (URA data). 32% of working residents are executives or professionals, 6% are directors or business owners. With a high concentration of senior executives, Singapore has one of the strongest financial planning demand profiles in the region. With median property prices at S$1,240/sqft, property structuring is a central concern.
In a high-income area like Singapore, SRS and CPFIS optimisation, tax-efficient investment structuring, and long-term portfolio building are the core financial planning priorities. A MAS-licensed IFA identifies the solutions adapted to your income tax bracket and retirement horizon.
A financial adviser in Singapore does not simply sell products: they first analyse your full situation (income, CPF, assets, goals) before recommending solutions. They are MAS-licensed and subject to documented advice obligations.
Maximise your SRS contributions in Singapore and reduce your tax bill
The Supplementary Retirement Scheme (SRS) allows Singapore residents to voluntarily contribute up to S$15,300/year (citizens/PRs) or S$35,700/year (foreigners) and deduct the full amount from chargeable income. At the 22% tax bracket, the annual tax saving exceeds S$3,300 for citizens. SRS funds can be invested in approved instruments — unit trusts, stocks, ETFs, S-REITs, Singapore Savings Bonds — and withdrawals after age 62 are only 50% taxable. A MAS-licensed IFA calculates your optimal contribution and investment strategy.
CPFIS: investing your CPF Ordinary Account savings in Singapore
The CPF Investment Scheme (CPFIS) allows you to invest CPF-OA savings (above S$20,000) in approved unit trusts, ETFs, Singapore Government Securities, and S-REITs. The benchmark: your investments must outperform the CPF OA rate of 2.5% p.a. to justify the switch. A financial adviser performs a structured cost-benefit analysis before any CPFIS transfer, factoring in your risk profile, time horizon, and fee impact.
Structuring your investment portfolio for long-term growth in Singapore
Beyond SRS and CPF, a tax-efficient investment portfolio in Singapore typically combines: a diversified equity portfolio (global ETFs, S-REITs), income-generating assets (bonds, dividend stocks), and insurance-linked savings plans (ILPs or endowments for guaranteed elements). Singapore has no capital gains tax, making long-term equity investing particularly efficient. A MAS-licensed IFA builds an asset allocation aligned with your income tax position and retirement timeline.
Guides & financial planning tools
Advisor Index resources tailored to the Singapore profile
🧮
Describe your financial goals
Answer 4 quick questions and receive 3 matched IFA profiles for Singapore.
How to choose a financial adviser in Singapore?
To choose your financial adviser in Singapore, start by verifying their MAS licence on mas.gov.sg. This official register confirms that the professional is authorised to provide financial advisory services and meets MAS competency, conduct, and insurance requirements.
Choose an IFA whose specialties match your profile: SRS (Supplementary Retirement Scheme), CPFIS, S-REITs, Singapore Savings Bonds... At the first meeting (free in most cases), assess the adviser's ability to listen and understand your situation before recommending solutions.
A good financial adviser in Singapore always provides a Client Agreement disclosing their remuneration method (fee-based, commission-based, or a combination), their licence details, and any potential conflicts of interest. Transparency on remuneration is a key trust indicator.
Recommended solutions in Singapore
SRS (Supplementary Retirement Scheme)CPFISS-REITsSingapore Savings BondsETFsUnit trustsILPsEndowment plansDiversified portfolio
Frequently asked questions — IFAs in Singapore
How much can I contribute to SRS in Singapore and what is the tax saving?
Singapore citizens and PRs can contribute up to S$15,300/year to SRS; foreigners up to S$35,700/year. The full contribution is deductible from chargeable income. At the 22% marginal tax rate, the saving is S$3,366/year for citizens. SRS contributions must be made by 31 December to qualify for the year's deduction. A financial adviser calculates your personalised tax saving based on your income.
Should I use SRS or CPFIS to invest in Singapore?
SRS and CPFIS serve different purposes. SRS is funded by voluntary cash contributions and provides an immediate income tax deduction. CPFIS uses existing CPF-OA savings (which already earn 2.5% p.a. guaranteed) — so CPFIS investments must outperform this threshold to add value. A financial adviser typically prioritises maximising SRS before CPFIS, then builds a complementary structure.
Does Singapore have capital gains tax on investments?
No — Singapore does not levy capital gains tax on investment returns. Dividend income from Singapore companies is also exempt at the individual level (one-tier tax system). This makes long-term equity investing very tax-efficient. However, frequent trading may be reclassified as income by IRAS. A financial adviser structures your portfolio to maximise after-tax returns within the regulatory framework.
What is an Investment-Linked Policy (ILP) and is it right for me?
An ILP combines life insurance coverage with an investment component (unit-linked fund). It offers flexibility to adjust coverage and investment allocation over time, but typically has higher costs than buying a term policy and investing separately. An IFA at Singapore compares an ILP against a "buy term, invest the rest" strategy for your specific age, health profile, and risk appetite.
How can I optimise my portfolio with no capital gains tax in Singapore?
With no CGT in Singapore, you can freely rebalance your portfolio without tax friction. The key optimisations are: using SRS as a tax-deferred wrapper, investing via CPFIS to put CPF savings to work, holding Singapore-listed ETFs and REITs for dividend income, and using endowment plans for capital preservation. A MAS-licensed IFA builds a holistic plan across all these envelopes.
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Page from the directory of MAS-licensed financial advisers in Singapore — sg.advisor-index.com · MAS-licensed independent financial advisers across all Singapore districts.