Personal Protection

When choosing what’s best for your future and financial arrangements, there are two definite services that can help answer your concerns:

Financial Product Advice: When you’re looking for a financial product to achieve a very specific objective or to solve a particular problem.

Financial Planning: When you’re in need of a dynamic, cyclical process aimed at achieving your financial goals over the course of your lifetime. Like no two people are the same, no two financial plans are identical either. Each person’s priorities, focuses and financial appetites differ. So based on your goals, value systems and risk appetites, we’re here to provide you with the help you need.

Financial Advice

When you’re looking for a financial product to achieve a very specific objective or to solve a particular problem.

Financial Planning

When you’re in need for a dynamic, cyclical process aimed at achieving your financial goals over the course of your lifetime.

Like no two people are the same, no two financial plans are identical either. Each person’s priorities, focuses and financial appetites differ.

So based on your goals, value systems and risk appetites, we’re here to provide you with the help you need.

Asset Protection
Asset Protection

Sail smoothly through life’s ups-and-downs

Through comprehensive and affordable life insurance, you can always be assured that your family is protected. RAY ALLIANCE Financial Advisers work with an extensive range of insurance providers, such as AIA, AXA, Etiqa, NTUC Income and more, in order to ensure you get the most appropriate policy for your needs, at the most affordable premiums.

We currently offer a wide range of personal insurance products such as:

  • Whole life insurance
  • Term insurance
  • Hospital and surgical plan
  • Disability income insurance
  • Dread Disease coverage
  • Personal Accident plan
  • Mortgage Loan Protection plan

To find out more about any of these products, speak to a member of our team now.

Protect the things you love

Keep your loved ones and vehicle safe on the road with Motor Insurance. Travel with a peace of mind and get covered by Travel Insurance. Protect your home and your possessions within it with Home Insurance.

Request for a meeting with us now.

Vehicle

Protect your loved ones and your vehicle on the road. With Ray Alliance Financial Advisers, rest assured that your journeys will remain safe with comprehensive premiums and coverage for car repairs, 24/7 service for emergency and claims assistance, and other accident costs.

Travel

The last thing you need to do is worry when you’re on holiday or on a business trip. Travel with a peace of mind when you’re covered by travel insurance with the help of Ray Alliance Financial Advisers, so you’ll never have to fret about flight delays, lost baggage, medical expenses and more.

Home

Home is indeed where the heart is, so we completely understand your need to protect it. Approach any of our advisers to find out more about how your property coverage can protect you, your family and your possessions against theft, renovations, accidents and more.

To speak to a member of our team about any of these policies, kindly contact us.

Asset Accumulation
Asset Accumulation

Most commonly known as the ultimate goal of all savers and investors, asset accumulation has very much to do with managing your wealth in order to achieve your long-term objectives and fulfill your financial goals.

A customised approach to growing your wealth

When it comes to wealth management, there’s no one-size-fits-all solution.

Everyone’s needs and aspirations are unique. Some people are dedicated to remaining free and single, whereas others will have multiple dependents. Some of us aspire toward a simple retirement, whereas others want their final years to be a grand vacation.

At RAY ALLIANCE Financial Advisers, we tailor your portfolio to meet your specific needs. Our advisers focus on long-term relationships, and we constantly adapt your portfolio to meet changing circumstances.

Even better, we tailor your assets to match your values and risk appetite, so you can invest with clarity instead of anxiety.

We enable your lifestyle choices

We believe there is no single “correct” investment and savings strategy.

At RAY ALLIANCE Financial Advisers, we provide customised financial solutions for every client, focusing on factors such as existing wealth, comfort with risk, tax position, investment horizon, and your personal goals. We don’t just seek to “save money”, but to enable the lifestyle of your choice.

Planning for Retirement

When it comes to retirement planning, we look at your desired Income Replacement Rate (IRR), and your necessary expenses.

Most clients have an IRR of at least 70 per cent of their existing income, to maintain the same standard of living that they currently have. We focus on building a portfolio that provides a sufficient and reliable income to match this figure, up to the age of 90.

This long-term goal requires formulaic and calendar-based rebalancing of your portfolio, and a strategic mix of assets that range from unit trust funds to fixed income securities.

We also look at your necessary expenses, which we acknowledge is different for everybody. If you deem it necessary that you provide for your grandchildren’s education, or simply that you can golf day-in and day-out, then that’s what we’ll prioritise for you. We align with your goals, rather than following fixed formulas that dictate what’s necessary and what’s not.  

Whether you’re starting to think about retirement planning, or have taken the steps in putting a plan in place, let us help you achieve your retirement dreams.

Consultative Process

Counselling, educating and providing advisory so you are better placed to manage your financial circumstances

Tailored Solutions

We’re ready to take on the full range of your needs, from basic investment management to specialist products

Implementation

We evolve our plans as we design solutions around your financial needs over time

Asset Distribution
Asset Distribution

Protecting your loved ones, even when you’re not around

We ensure that your legacy survives; even after you’re gone. Through our specialised will-writing company, Probate Enterprise, we help you optimise the distribution of your wealth among your loved ones, and minimise the potential for painful legal conflicts in your absence.

Lasting Power of Attorney

We’re not always in a position to express our wishes clearly. Through accident or illness, there’s a chance we may lose the mental capacity – and hence the right – to make decisions regarding our personal well-being, and our property and affairs.

To prevent this, opt for a Lasting Power of Attorney (LPA).

An LPA is a legal document which allows a person who is at least 21 years of age (‘donor’) to voluntarily appoint one or more persons (‘donee/s’) to make decisions and act on the donor’s behalf as his proxy decision maker should he lose his mental capacity one day. A donee(s) can be appointed to act in two broad areas: personal welfare as well as property & affairs matters.

For more information, please visit the Office of the Public Guardian website.

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