SAFEwithKarl

How you can

create opportunities, reduce commitments, and build freedom

for you and

your loved ones

Outline

How

we help?

Our

Process

Our Commitment

FAQs

Living in Singapore, I know many of us worry about:

Increasing cost of living and not being able to retire i.e. working till we die.
Not being able to afford a reasonable standard of living for our family.
Being limited in our choices, especially knowing there are better choices/opportunities slightly out of our reach.

This causes us to:

Spend more time at work to try and get a better performance bonus.
Intensively analyse financial opportunities for all resulting possibilities.
Be fearful of "what-ifs" and "possible eventualities" scenarios.

As a result, we:

Spend less time making memories and enjoying our family's presence.

Have more arguments with our spouses, especially in times of emergency.

Grunge X Shape Red Cross Vector Trendy Illustration

Procrastinate, and lose out on chances and opportunities.

Avoid discussing "what-if" scenarios and putting in (sufficient) risk-mitigating measures.

How Y overcame her avoidance to plan out her insurance portfolio for her future family needs.

Challenges:

Was thrusted parents-purchased policies when starting work.
Niched and conflicting advices from other advisors resulted in avoidance to review her portfolio.

Help rendered:

Outcome:

Explained each policy and how they help.
Planned for progressive coverage.

Confidence that portfolio provides relevancy as she builds a family

Y, 26yo, civil servant

Plans to get married in 2 years

How YZ finally understood what insurance coverage his family had.

Challenges:

Policies purchased at different times from different insurers for different family memebers.
No consistent point of contact for insurance matters as he "kept changing agents".

Help rendered:

Outcome:

Summarised family's policies in one document.
Explained each policy and how they help.

Obtained a bird's eye view of family's portfolio.
Assured of family's coverage sufficiency.

YZ, 43yo, sales manager

Married with 2 children in

primary school

How P grew her confidence to invest and is building cashflow for her future family needs.

Challenges:

Policies purchased at different times from different insurers for different family memebers.
No consistent point of contact for insurance matters as he "kept changing agents".

Help rendered:

Outcome:

Summarised family's policies in one document.
Explained each policy and how they help.

Obtained a bird's eye view of family's portfolio.
Assured of family's coverage sufficiency.

P, 28yo,

marketing executive

What we want for our clients

Lesser Commitments

More Choices

to do the things you love!

More Freedom

Our focus & our speciality

Financial Risk Management

why lose your money when other can pay for you?

More Choices

Building

Cashflow

for the someday to come sooner!

who doesn't love extra pay?

Our commitment

We believe everyone has the freedom to choose their path in life, and to create choices that benefits them and their families in the future.

We are committed to:

Helping you build these choices and opportunities.
Keeping the information you share with us in the strictest confidence.
Giving you the best opinion and advice available to us at that particular point in time.
Whether you buy anything along the way is entirely your decision and you make the call.

Who we work with

We believe family, freedom and our way of life is worth working hard, fighting for, and protecting. Hence, a big part of what we do centers around family and freedom.

This is for you:

If you believe that family is a key reason to work hard; fight for; protect; and give your all for.

If you believe that freedom and doing the things you love is a goal to attain; and something to give your all for.

If you believe that financial planning, in whatever form, are processes that can achieve yours and your family's life goals.

This is not for you:

If you believe that family is a burden and that you're better off on your own.

If you believe that freedom is a lie; a myth; and something that cannot be attained.

If you believe that financial planning, in whatever form, are nonsensical, unnecessary, and perhaps even borderline scams.

What's next?

Chalk Drawing of Paper Cups of Coffee in Carrier

We meet!

We probably would have briefly discussed the date, time and location for this.

If in the unlikely circumstances that we haven't discussed this, either a physical catch up or a zoom session (∼45 minutes) can be arranged,

What will we talk about?

Getting to know each other better to see if we are the right fit to work together.
Understand your story, dreams, goals, and current lifestyle and commitments.
Look at your current policies together.
(If time permits) A 5 minutes sharing on what we do.

FAQs

Q: Is this another pushy sales presentation?

A: We don’t believe in high-pressure sales tactics. Otherwise, this website would look completely different! Our agenda is to help people build a better future for themselves, their families, and their children. So that one day, all of us can live the dream we had when we were a child.

Q: I am not planning to buy anything, but just want to hear more. Can I still schedule a session?

A: Most definitely! We are always happy to connect with new people who share the same dreams and values as us. The call will also give us a better understanding of each other. Ultimately, I believe that fit is very important, particularly since any quest we undertake is going to be long term.

Q: I have other financial advisors. What's so great or different about you?

A: To be honest, I cannot answer this question in any manner without being bias. But ask any of my clients and they will tell you the great experience they had with me. Ultimately, I believe everyone has the freedom of choice, and it's entirely up to you to decide if I'm a right fit as your advisor, and if my services suit your needs.

Q: What is the risk to me to speak to you?

A: At worst, you spend 30min with me over Zoom, gain some information on financial planning, and discover that we are not the right fit. At best, we work together to create opportunities, reduce commitments, and build freedom for you and your loved ones. Whether you buy anything along the way is entirely your decision and you make the call.

After >10 years in the public service, I became a financial advisor after experiencing how the lack of planning creates financial pressures on families.

Both my mother and brother were diagnosed with cancer in 2018. As they had no insurance, we had to use our savings to cover their $50k hospital bills.

Being a parent myself, I knew how it feels when our children are unwell. However, what if there was an added pressure of not being able to afford treatment?

As parents, we want to give our children the best options, the chance to take good opportunities that comes by, and be clear of any misfortune. Ultimately, we want our children the chance to live their best lives.

My role is to work with you to make this a reality.

I help parents build a better future for their children by creating choices and reducing commitments so as to build freedom for their family.

I'm Karl

Want to find out more? Let's connect!