Best Independent Financial Advisers in Singapore (2025)

GFC is one of the best providers of in-depth financial planning in Singapore, founded in 1997 in Sydney, Australia, and since 2003, has relocated to Singapore. They abide by the regulations put forth by MAS and have served people from all walks of life in Singapore: locals, foreigners, expats, and businesses that need advice from an expert. Indeed, GFC is one of the top financial advisory firms in Singapore but deep in knowledge and tailor-made services.

Services:

• Savings and Investments: Tailored strategies for wealth accumulation.
• Insurance and Protection: Comprehensive risk management solutions.
• Retirement Planning: Guidance to secure a financially stable future.
• Tax and Estate Planning: Expert advice to optimize wealth distribution.
• Corporate Financial Planning: Solutions for businesses to enhance financial health.

Price Range:

Details about pricing are not explicitly listed on the website. It’s recommended to contact GFC directly for a customized quote based on your needs.

Why Choose Us:

• Over two decades of experience in financial consulting.
• Regulated by MAS, ensuring trustworthiness and compliance.
• A highly knowledgeable and diverse team of advisers.
• Personalized and holistic financial solutions for individuals and businesses.

Infinity Financial Advisory delivers value-driven financial planning to individuals and businesses, specialising in designing detailed financial strategies that match each client’s unique needs. The firm focuses on making wealth management and smart investing available to everyone. As one of the top financial advisory firms in Singapore, their award-winning solutions and advanced tools enable clients to explore and understand the financial world with confidence.

Services:

• Wealth Management: Comprehensive planning for financial growth and security.
• Insurance Solutions: Partnerships with top insurers for life and general insurance needs.
• Investment Planning: Access to diverse platforms for portfolio optimization.
• Retirement Planning: Strategies to ensure a comfortable retirement.
• Corporate Financial Solutions: Specialized advice for business owners.

Price Range:

Pricing details are not explicitly stated on the website. Interested individuals are encouraged to contact the firm directly for a tailored consultation.

Why Choose Us:

• Award-winning solutions recognized globally.
• A unique “1-2-Infinity” approach ensures frequent client engagement with over 12 touchpoints annually.
• A proprietary client app (i-NITIATE®) offers instant access to critical financial data.
• Extensive partnerships with over 50 insurers, banks, and investment platforms.
• A strong, experienced team with over 100 years of combined managerial expertise.

Providend is Singapore’s first fee-only wealth advisory firm. It puts the client’s interest ahead of the interest by removing product commissions and returning them to the client. Their philosophy is basically about helping them guide their wealth in line with life goals while providing honest, independent, and expert advice to simplify financial decisions. They are one of the best financial advisers in Singapore and work with clients to give them trustworthy guidance to achieve their financial aspirations.

Services:

• Wealth Management: Plans tailored to achieve personal life goals.
• Investment Management: Responsible and transparent investment strategies.
• Risk Mitigation Planning: Insurance solutions for life protection without hidden agendas.
• Estate Planning: Secure and thoughtful wealth transfer strategies.

Price Range:

• Providend operates on a fee-only model with no product commission charges.
• The initial consultation is complimentary.

Why Choose Us:

• Client-Centred: Fully aligned with clients’ interests by rejecting product commissions.
• Transparent Fees: Clear pricing structure with no hidden costs.
• Expertise: Recognized for delivering purposeful financial solutions.
• Honest Guidance: Independent advice backed by years of industry experience.
• Holistic Planning: Comprehensive services designed to meet varied financial needs.

The top financial advisory firm offering special services to expatriates and international clients in Singapore is the Expat Advisory Group, which is led by IPP Financial Advisers. It is a company with a long history of personalized service and assets managed over $2 billion to assist clients in availing all financial opportunities available in Singapore. Amongst the best financial advisory firms in Singapore, it advises clients in making well-informed and confident decisions regarding finance.

Services:

• Multi-Currency Wealth Management: Tailored asset allocation and portfolio rebalancing.
• Retirement Planning and Pension Transfers: Solutions to fill retirement gaps, including specialized transfers.
• University Fee Planning: Strategies to manage education costs globally.
• International and Multi-Currency Mortgages: Assistance with property financing and protection.
• Legacy Planning, Trusts, and Wills: Comprehensive estate planning.
• Tax Efficiency Solutions: Advice tailored to various international tax scenarios.
• Business Owner Solutions: Corporate pensions, group insurance, and business protection strategies.
• Life and Health Insurance: Cost-effective, globally portable coverage.

Price Range:

Pricing details are not explicitly provided. Clients are encouraged to contact the firm for tailored quotes based on their specific needs.

Why Choose Us:

• Over 75,000 satisfied clients and 380 advisers ensure personalized and reliable service.
• Access to a wide range of financial products and platforms, offering unbiased advice.
• Strong connections with banks, accountants, and lawyers for comprehensive solutions.
• Expertise in international financial planning and tax optimization.
• Established a reputation as one of Singapore’s largest licensed financial advisory firms.

Synergy Financial Advisers is a multi-award-winning financial advisory firm recognised for its proactive and dependable approach to financial planning. They provide personalised services designed to empower clients to achieve financial freedom through expert guidance and innovative solutions. As one of the independent financial advisers in Singapore, Synergy Financial Advisers ensures clients make clear and confident financial decisions.

Services:

• Personal Financial Solutions: Comprehensive financial planning for individuals.
• Corporate Financial Solutions: Tailored services for businesses, including employee benefits and corporate insurance.
• General Insurance: Coverage for medical care, rehabilitation, and property loss.
• High Net Worth Services: Specialized solutions for affluent individuals.
• Partnered Solutions: Collaborations with trusted providers for holistic financial management.

Price Range:

Specific pricing details are not available on the website. Prospective clients can request quotes tailored to their unique needs through the firm’s consultation process.

Why Choose Us:

• Credibility: Recognized with numerous awards, including “Singapore’s Fastest Growing Companies” (2024).
• Client-Centric Approach: Emphasis on understanding individual needs and delivering tailored solutions.
• Expertise: Skilled advisers offering in-depth financial knowledge.
• Innovative Tools: Advanced technology and mobile apps for seamless client interaction.
• Trusted Partnerships: Collaborations with reliable insurance and financial providers.

Unicorn Financial Solutions, founded in 2011, is a top independent financial solutions provider in Singapore. With a focus on personalised financial planning, the firm has supported over 7,000 clients. Unicorn is dedicated to helping individuals take control of their finances and achieve their financial goals with clear advice and expert guidance. As one of the best financial advisers in Singapore, Unicorn empowers clients to make informed, confident financial decisions.

Services:

• Financial Planning: Personalized plans to align with individual goals and obligations.
• Investment Solutions: Tailored strategies to grow and protect wealth.
• Insurance Advisory: Comprehensive coverage solutions to meet varying needs.

Price Range:

Pricing information is not explicitly provided on the website. Consultations are available for personalized cost assessments.

Why Choose Us:

• Over a decade of expertise in financial planning and wealth management.
• Multi-dimensional financial expertise with a client-first approach.
• Trusted by thousands for authentic, unbiased advice.
• Licensed as a financial adviser, fund management company, and exempt insurance broker.
• Emphasis on ethical and sincere guidance to achieve financial security.

IPP Financial Advisers (IPPFA) is one of Singapore’s largest and oldest financial advisory firms, established in 1983. With over 40 years of experience, they specialise in creating comprehensive wealth strategies and tailored solutions for both individuals and businesses. IPPFA manages over SGD 2 billion in assets and is renowned for its client-centred approach. As one of the top financial advisory firms in Singapore, IPPFA helps clients achieve their financial goals with personalised and expert guidance.

Services:

• Financial Planning: Strategies for wealth accumulation, management, and distribution.
• Investment Advisory: Tailored advice for sustainable growth and legacy planning.
• Insurance Solutions: Coverage for life, health, and financial security.
• Retirement Planning: Solutions for achieving long-term financial independence.
• Legacy Planning: Strategies for wealth transfer and estate management.

Price Range:

Specific pricing details are not mentioned. Clients can contact IPPFA directly for personalized cost structures and consultation.

Why Choose Us:

• Over 40 years of experience with a proven track record.
• A team of 350+ highly qualified financial consultants.
• Trusted by a diverse client base managing SGD 2 billion in assets.
• Ethical and client-centric approach to financial advisory.
• Comprehensive six-step planning process to achieve financial goals.

Jarrad Brown specialises in financial planning for Australian expats in Singapore, helping clients optimise their wealth, navigate tax and regulatory challenges, and plan for their financial future. As an Australian-trained and qualified financial planner, Jarrad offers award-winning advice supported by global expertise. As one of the independent financial advisers in Singapore, Jarrad provides clients with personalised, expert guidance to achieve their financial goals.

Services:

• Expat Wealth Management: Guidance on investments and wealth accumulation.
• Wealth Protection: Insurance solutions, including life, critical illness, and income protection.
• Tax Planning: Strategies to manage tax obligations effectively.
• Repatriation Planning: Tailored plans for returning to Australia without unexpected costs.
• Estate Planning: Comprehensive legacy management.
• Retirement Planning: Secure and efficient retirement strategies.
• Savings & Debt Management: Solutions for cash flow and debt optimization.
• Global Portfolio Management: Investments diversified across global markets.

Price Range:

• A complimentary, obligation-free first consultation is offered.
• Fees for further services are not explicitly stated and depend on individual needs.

Why Choose Us:

• Australian Expertise: Deep understanding of Australian expat financial needs.
• Holistic Advice: Comprehensive, tailored solutions for every financial aspect.
• Client-First Approach: Transparent, ethical, and personalized service.
• Proactive Support: Regular updates and market insights.
• Global Reach: Solutions that transcend borders between Singapore, Australia, and beyond.

Finexis Advisory is a Singapore-based financial advisory firm dedicated to helping individuals and businesses achieve their life goals, not just financial gains. With a client-first, unbiased approach, Finexis provides customised financial solutions and upholds transparency and trust in all its dealings. As one of the best financial advisers in Singapore, Finexis ensures clients make well-informed financial decisions that align with their long-term goals.

Services:

• Personal Wealth Management: Customized financial planning to align with individual goals.
• Business Wealth Management: Strategic financial advice for businesses to optimize growth and security.
• Private Wealth Services: Exclusive solutions for high-net-worth individuals.

Price Range:

Pricing details are not explicitly listed on the website. Consultations are available to discuss personalized plans and associated fees.

Why Choose Us:

• Client-Centric Approach: Emphasis on unbiased advice with no influence from insurers or corporate pressures.
• Extensive Offerings: Access to best-in-class products through strategic partnerships.
• Transparency: Open and jargon-free communication to build trust.
• Expertise: Highly trained consultants with advanced industry knowledge.
• Holistic Solutions: Tailored advice designed to impact lives beyond finances.

TallRock Capital is a MAS-regulated financial advisory firm in Singapore, specializing in customized financial planning. They focus on helping clients achieve their financial goals through tailored advice and comprehensive financial solutions, including investments, retirement planning, and insurance. The firm emphasizes trust, transparency, and a collaborative approach to building long-term client relationships.

Services:

• Financial Planning: Comprehensive and personalized advice to design, build, and monitor your financial future.
• Investment Strategies: Research-backed recommendations to optimize portfolio performance.
• Retirement Planning: Solutions to ensure financial independence during retirement.
• Insurance Advisory: Customizable coverage for life, health, and other protection needs.
• Education Planning: Assistance in managing education expenses for families.
• Estate Planning: Strategies for wealth transfer and legacy building.

Price Range:

Pricing details are not explicitly stated. Free initial consultations are available to discuss tailored plans and associated costs.

Why Choose Us:

• Client-Centric Approach: Tailored advice and no pressure to make decisions.
• Global Expertise: Solutions backed by international research and insights.
• Transparent Communication: Clear and jargon-free explanations.
• Flexibility: Offers in-person or virtual meetings based on client convenience.
• Proven Results: Positive client testimonials highlight trust and satisfaction.

Morgan Stanley is a global financial services firm providing expertise in wealth management, investment banking, trading, and sustainable investing. The firm focuses on helping individuals, institutions, and governments build, manage, and grow their capital to meet financial goals.

Services:

• Wealth Management: Tailored strategies to grow and preserve wealth.
• Investment Banking: Capital raising, mergers, and acquisitions services.
• Market Services: Sales, trading, and market analysis for institutional investors.
• Sustainable Investing: Solutions focused on sustainability and ESG principles.
• Corporate Financial Solutions: Comprehensive workplace financial services.
• Research and Analysis: Insights across markets, companies, and economies.

Price Range:

Pricing details are highly customized and depend on the specific services and investment strategies required.

Why Choose Us:

• Global Expertise: Unparalleled insights and solutions across industries and markets.
• Tailored Solutions: Customized financial strategies to align with unique goals.
• Commitment to Sustainability: Innovative solutions integrating ESG factors.
• Trusted Partner: Decades of experience serving a wide array of clients worldwide.
• Comprehensive Services: From wealth management to corporate financial solutions.

Ascenta Wealth specializes in providing fee-based financial planning for expatriates in Singapore. Their services are tailored to assist individuals and families in achieving financial freedom with personalized advice and strategies. The team comprises highly qualified professionals from Singapore and the UK, emphasizing transparency and long-term relationships.

Services:

• Financial Planning: Long-term planning to achieve life goals.
• Investment Management: Strategies to optimize wealth and returns.
• Retirement Planning: Tailored plans for a financially secure future.
• Insurance Advisory: Comprehensive coverage for life and other needs.
• Tax and Pension Solutions: Advice for expatriates, including UK National Insurance contributions.

Price Range:

Ascenta Wealth operates on a fee-based model, with pricing tailored to individual client needs. Initial consultations are available to outline plans and associated costs.

Why Choose Us:

• Client-Centered: Focuses on long-term relationships, not just financial transactions.
• Fee-Based Approach: Transparent advice with no hidden charges or sales incentives.
• Global Expertise: Specializes in serving expatriates, especially British, Australian, and Indian clients.
• Trusted Advice: Positive testimonials highlight personalized and effective solutions.
• Holistic Services: Covers all aspects of financial well-being, including retirement and tax planning.

GEN Financial Advisory offers tailored financial planning solutions in Singapore, emphasizing education, transparency, and personalized advice. They empower clients to make informed financial decisions through webinars, articles, and a client-first approach. GEN caters to a broad spectrum of needs, from insurance planning to investments and retirement solutions.

Services:

• Insurance Planning: Protection for dependents, mortgages, and final expenses.
• Retirement Planning: Guidance on CPF Life and private annuities.
• Custom Financial Reports: Personalized assessments and recommendations.
• Investment Advisory: Wealth-building strategies tailored to individual goals.
• Workshops and Webinars: Educational events for informed decision-making.

Price Range:

GEN Financial provides flexible pricing for custom planning services, with no obligation to purchase financial products during consultations.

Why Choose Us:

• Educational Approach: Offers insights through articles and workshops to demystify financial concepts.
• Custom Solutions: Tailored plans to meet unique client objectives.
• Transparency: No-pressure consultations with honest recommendations.
• Flexible Engagement: Services are available online and in person for convenience.
• Community Focus: Initiatives like GEN-Dates newsletters and exclusive events foster client engagement.

Ray Alliance Financial Advisers is a leading financial planning firm in Singapore, committed to simplifying the complexities of financial management. They offer personalised solutions that evolve with the changing needs of clients at different life stages, ensuring both financial success and peace of mind. As one of the financial advisers in Singapore, Ray Alliance helps clients confidently manage their finances and achieve their long-term goals.

Services:

• Investment Advisory: Tailored strategies to grow and secure wealth.
• Insurance Planning: Comprehensive coverage solutions for protection.
• Retirement Planning: Guidance to ensure financial independence in later years.
• Financial Planning: Customized plans for various life goals.
• Wealth Management: Tools and strategies to optimize financial growth.

Price Range:

Pricing details are not explicitly provided on the website. Consultations are tailored to individual financial needs.

Why Choose Us:

• Holistic Approach: Partners with clients throughout their financial journey.
• Simplified Planning: Leverages technology for an accessible and effective process.
• Expertise: Combines experience, tools, and strategies for optimal results.
• Personalized Solutions: Adapts to changing client needs across life stages.
• Trustworthy Partnership: Focused on building long-term relationships.

Alpha Wealth Financial Advisers is committed to helping clients secure a financially sound future. They offer personalized financial planning services tailored to individual goals and aspirations. With a focus on building long-term relationships, AWFA serves as a financial companion, guiding clients through their financial journey.

Services:

• Income Protection: Strategies to safeguard income against unexpected events.
• Accident & Hospitalization Coverage: Comprehensive insurance plans for health security.
• Savings & Investment Planning: Tailored plans for financial growth.
• Retirement Planning: Guidance to ensure a comfortable retirement.
• Legacy Planning: Solutions for wealth transfer and estate management.
• Assets & Lifestyle Protection: Insurance for property and lifestyle needs.
• Commercial Risk Management: Services for business owners to mitigate risks.
• Employee Benefits: Customized packages to attract and retain talent.

Price Range:

Pricing is not explicitly stated on the website and depends on personalized plans and consultations.

Why Choose Us:

• Comprehensive Solutions: Covers all aspects of personal and business financial needs.
• Client-Centric Approach: Focused on long-term relationships and tailored advice.
• Expert Guidance: Experienced advisers dedicated to achieving client goals.
• Holistic Planning: Strategies designed to protect, grow, and transfer wealth effectively.
• Commitment to Excellence: Ensures financial dreams become a reality.