About Raymond
Your Financial Doctor: Diagnose First, Prescribe After
Raymond's career began in the sharp-edged world of corporate finance: four years as a Chartered Accountant and CPA at a Big 4 firm handling audit and tax, then rising to Vice President at a major bank, where he led management accounting and wealth management reporting divisions. But even with the corner office, something was missing. He wanted more than crunching numbers day and night. He wanted his work to change real lives.
Ever since youth, Raymond had been fascinated by wealth planning, reading everything he could find on the subject. One particular experience cemented his calling: watching a beloved uncle, a man with a successful career and good income, face retirement with very little to show for it because his planning had not kept pace with his earning. That single observation taught Raymond a lesson he now passes on to every client: "Your earning capacity matters far less than the discipline and strategy behind what you keep." In 2008 he made the leap and joined IPP Financial Advisers specifically for its truly independent advisory model, with no in-house products to push, no conflicts of interest, just honest planning built around the client's goals. He has never looked back.
Raymond likens his role to that of a financial doctor. Before any "prescription" is written, he spends the time to understand your full financial picture: your income, commitments, risk appetite, lifestyle goals, and what keeps you up at night. Only then does he design a customised strategy spanning retirement planning, wealth creation, wealth preservation, and estate planning. His mission is simple: help you avoid major financial catastrophes, grow and protect what you've built, and enjoy your golden years on your own terms.
His analytical rigour as a Chartered Accountant (ISCA) and CPA Australia member means every recommendation is financially sound and numbers-checked. His warmth and patience (qualities his 700+ clients mention again and again) mean you'll never feel rushed, judged, or sold to. Raymond has also been featured in The Straits Times on long-term investing discipline, and on national television programmes including TV Moneyweek, Hello Singapore, and Frontline, translating complex financial ideas into plain, practical advice for everyday Singaporeans.
Two beliefs guide everything he does. The first comes from Benjamin Franklin: "If you fail to plan, you are planning to fail." The second, for the moments when markets wobble or life throws a curveball, comes from Winston Churchill: "Never, never, never give up." Raymond also frames protection planning the way most of us already think about driving. Insurance is the airbag and seatbelt of your financial life. You hope you never need it. You're profoundly grateful when you do. It is the same persistence and care he brings to your plan: reviewing, rebalancing, and walking with you through every season of life, whether good times, lean times, or anywhere in between.
Raymond credits his longevity in the business to four simple values: optimism, faith, lifelong learning, and professionalism. He has been recognised year after year as an MDRT member (Top 5% of advisers worldwide), a 17-time Chairman's Round Table winner, and a consistent Top Producer Club qualifier. But ask his clients what they value most, and they will not list awards. They will tell you he picks up the phone, he keeps his word, and he makes their family's plan feel like his own.
"His planning process is different from other advisers as he offers a more personalised service. He is patient, fast, and responsive. He always acts in my best interest."
- Grace, Accountant
