8 Best Financial Advisers in Singapore (2026)

Before you compare firms, check these things, in this order.

• MAS licence. Verify the firm on the MAS Financial Institutions Directory and the individual adviser on the Register of Representatives. This is non-negotiable and takes two minutes.
• How they are paid. Commission from products, a fee you pay directly, or a mix. A fee-only adviser has the least incentive to push a particular product. Ask for the fee model in writing.
• Independent or tied. A tied agent offers one company's products, an independent adviser can compare across many. Independence widens your options, though it does not by itself remove commission incentives.
• Specialisation. Retirement and CPF or SRS planning, expat and cross-border, high-net-worth wealth, or protection. Match the adviser to your actual need.
• The advice, in writing. A proper adviser gives you a documented recommendation with the reasons and the costs. Read it, and be wary of pressure to sign on the day.

One tip: the government's MoneySense site explains the difference between tied, independent and robo-advisers, and is a neutral starting point before you meet anyone.

Cost depends on how the adviser is paid. Here is what to expect in 2026.

Commission-based advice feels free but is paid for inside the products you buy. A fee-only arrangement costs you directly but removes the incentive to recommend high-commission products, which for larger or complex situations often works out better value.

Providend is my fee-only pick, and Singapore's first fee-only wealth adviser, operating since 2001. It charges you directly and rebates the commissions it would otherwise earn from products, which is the cleanest possible position on conflicts of interest, so the advice is genuinely about your plan rather than a sale.

It focuses on holistic wealth and retirement planning for people with meaningful assets to manage. For a client who wants advice they can trust to be free of product bias, it is my top recommendation.

Website: providend.com
Model: Fee-only, independent
MAS licensed: Yes, verify on the MAS directory
Best known for: Conflict-free, fee-only wealth advice

Financial Alliance is my pick as the largest independent financial adviser in Singapore. Established in 2002, its scale means a broad product panel across providers and a wide range of services, from personal planning to private wealth and even Islamic and Syariah-compliant wealth advisory.

It offers a fee-based financial planning option alongside its usual model, so you can choose how you pay. For a client who wants a large, established independent firm with real breadth, it is a strong choice.

Website: fa.com.sg
Model: Independent financial adviser
MAS licensed: Yes, verify on the MAS directory
Best known for: The largest independent adviser, with a fee-based option

IPP is my pick for an established, long-standing firm. Operating since 1983, it is among the oldest and largest financial advisory firms here, with hundreds of consultants and a substantial book of assets under advice, which brings a depth of experience across market cycles.

It also runs a dedicated expat advisory division for cross-border clients. For someone who values longevity and scale in their adviser, it is a dependable, well-known choice.

Website: ippfa.com
Model: Independent financial adviser
MAS licensed: Yes, verify on the MAS directory
Best known for: One of the oldest and largest advisory firms

GEN is my pick for retirement and CPF planning with a low-pressure approach. It leans into an education-led model, helping clients optimise CPF and SRS, plan retirement income and navigate Integrated Shield and CareShield decisions, without the hard sell that puts many people off advisers.

That focus on the CPF and retirement side of things is genuinely useful for Singaporeans planning the long term. For a client who wants to understand their options rather than be sold to, it is a refreshing choice.

Website: gen.com.sg
Model: Independent financial adviser
MAS licensed: Yes, verify on the MAS directory
Best known for: Education-led CPF and retirement planning

Synergy is my pick for a wide product panel with a digital edge. A multi-award independent firm working with more than forty product providers, it pairs that breadth with its own digital planning platform, so you get both choice and a modern, data-led experience.

It covers personal, corporate, general insurance and high-net-worth planning. For a client who wants an independent firm that has invested in technology as well as range, it is a strong option.

Website: synergy.com.sg
Model: Independent financial adviser
MAS licensed: Yes, verify on the MAS directory
Best known for: A wide product panel with a digital platform

Ascenta Wealth is my pick for expats who want fee-based, cross-border planning. It works explicitly on a fee-based rather than commission model, and it specialises in international families and expats, British, Australian, Indian and others, who need cross-border tax, retirement and wealth planning.

That combination of a fee-based approach and genuine cross-border expertise is hard to find. For an expat with assets and obligations in more than one country, it is my recommendation.

Website: ascentawealth.com
Model: Fee-based, expat specialist
MAS licensed: Yes, verify on the MAS directory
Best known for: Fee-based cross-border planning for expats

Global Financial Consultants, or GFC, is my pick for expats with UK pension questions. Operating since 1997 with clients from dozens of countries, it specialises in cross-border planning including UK pension transfers, CPF investment for foreigners, and education and legacy planning.

It positions itself away from sales tactics, which matters in the expat advisory space where some firms lean hard on commission products. For an expat, particularly a British one weighing a pension transfer, it is a knowledgeable choice.

Website: gfcadvice.com
Model: Expat-focused financial adviser
MAS licensed: Yes, verify on the MAS directory
Best known for: Expat planning and UK pension transfers

PromiseLand rounds out the list as an independent adviser with a strong expat client base. A licensed IFA firm, it serves a largely international clientele across retirement, tax, education-fee and estate planning, with a transparent, quote-based approach to fees.

For an expat who wants an independent firm that gives a written fee breakdown before engagement, it is a solid choice. As always, verify the firm and your specific adviser on the MAS directory first.

Website: promiseland.com.sg
Model: Independent financial adviser
MAS licensed: Yes, verify on the MAS directory
Best known for: Expat advisory with transparent fee breakdowns

I looked at licensing, how each firm is paid, whether it is independent or tied, its specialisation, and its track record. I deliberately spread the list across fee-only, independent and expat-focused firms, because the right adviser depends heavily on your situation and how you prefer to pay. I left out tied, single-insurer models, and noted where a firm is not fully independent.

This is general information, not financial advice, and details are checked when I publish and revisited as things change. Always verify a firm and your adviser on the MAS directory, and read the written recommendation and fee disclosure before you commit.

Use the MAS Financial Institutions Directory to check the firm, and the Register of Representatives to check the individual adviser, both on the MAS eServices site. Every firm giving financial advice must hold a financial adviser's licence or be an exempt financial adviser, and every representative has a unique registration number. If a person or firm is not on the register, do not proceed. This check takes a couple of minutes and is the single most important thing to do before engaging anyone.

A tied agent represents one financial institution and can only recommend that company's products. An independent financial adviser, or IFA, can compare and recommend products from many providers, which widens your options, but they are often still paid by commission from the products you buy. A fee-only adviser charges you directly for advice and rebates any product commissions, which removes the incentive to recommend high-commission products and gives the cleanest position on conflicts of interest. More independence and a fee-only model generally mean advice more aligned with your interests.

A one-off, fee-only comprehensive financial plan typically costs around S$2,000 to S$8,000 depending on complexity, while ongoing wealth management is usually charged as roughly 0.5 to 1 percent of the assets managed each year. Commission-based advice has no direct fee to you, but you pay for it indirectly through the charges built into the products recommended. For a larger or complex situation, paying a fee directly often works out better value than commission because it removes product bias, but the right model depends on your circumstances.

Expats generally need cross-border expertise that ordinary advisers lack, covering things like foreign tax obligations, UK or other overseas pensions, and moving between jurisdictions. Firms that specialise in this include Ascenta Wealth, which works on a fee-based model, GFC for UK pension transfers, and the expat divisions of larger firms like IPP and PromiseLand. Look for an adviser who understands your home country's rules as well as Singapore's, is transparent about fees, and, as always, is MAS-licensed, which you can verify on the directory.