Making an Impact on Your Financial Future
为您的财富未来，创造长远价值
Making an Impact on Your Financial Future
为您的财富未来，创造长远价值
My Story 我的故事
Hi! This is Zong Jie
嗨您好，我是宗杰。
Since starting his journey in Financial Advisory in 2009, he has helped hundreds of Families, Professionals, and investors achieve financial freedom through comprehensive, holistic wealth planning.
自2009年进入财务咨询行业以来，我一直致力于协助家庭、专业人士及投资者更全面地了解自己的财务状况，并通过系统化的规划，一步一步实现不同人生阶段的财务目标。
During his time as a tied agent, he was also honoured to receive the Service Mark award for meeting a defined standard of customer service excellence. His passion for helping people and providing value also drove him to complete his degree in Traditional Chinese Medicine (TCM) from 2011 to 2018.
在早期担任专属保险顾问期间，我有幸获得 Service Mark 客户服务相关荣誉。这段经历让我更加相信，好的财务规划不只是选择产品，更重要的是了解一个人的需要、家庭责任、人生目标以及真正重视的事情。
除了金融领域，我也一直对中医及帮助他人抱有浓厚兴趣，并于2011年至2018年完成中医学士学位的学习。
With over a decade of experience, he has helped many families, professionals, and individuals take better control of their finances by reducing liabilities and unlocking "dead" assets through a TCM approach to financial planning.
多年来，我也把中医所强调的整体性、平衡及因人而异的思维融入财务规划中。就像身体需要先了解整体情况，再针对问题作出调整一样，财务规划也应该先了解一个人的整体财务状况，再寻找适合他的解决方案。减轻不必要的负债，唤醒沉睡的资产——我称之为「中医式理财」
If you are one of the many people whom he has helped, feel free to share this profile on your social media pages so that we can reach out and impact more lives. Also, please add me on your social media pages so he can continue to add more value for you!
如果我曾经帮上您的忙，欢迎把这个页面分享到您的社交平台，让更多人有机会被照顾到。也欢迎在社交媒体上加我，我会持续为您带来更多有价值的内容。
How You Can Benefit 我能为您做什么
Savings 储蓄规划
The first step to good money management is to adopt the right savings habits. In the consumerist environment today, many would prefer spending money on a branded watch rather than saving for rainy days or for their financial goal. Find out from me how you can take the small step towards saving for your financial goals.
理财的第一步，是养成正确的储蓄习惯。在这个消费至上的年代，不少人宁可买一只名表，也不愿为将来的目标先存下一笔。
存钱不必一步到位。让我陪您从最小的一步开始，把储蓄变成一件能持续下去的事。
Risk Management 风险与保障规划
Some people mistakenly measure insurance coverage by the number of policies they have, but the reality is that having many insurance policies does not equate to having sufficient coverage. Find out from me whether you are really adequately covered or grossly underinsured.
很多人以为保单买得多，保障就一定够。事实上，保单数量和保障额度是两回事——手上七、八张保单，缺口却可能大得惊人。
让我为您做一次完整的保障检视，看清楚您现在到底保了多少、还差多少。
Wealth Growth 财富增值
The power of compounding is real and the earlier you start, the better it is. Some people choose to avoid risk by keeping savings in the bank, thinking it’s a safe haven. However, if you consider inflation, savings in the bank is the place that you definitely lose the value of your money. Find out from me how you can grow your investments while managing the risk through diversification.
复利的力量是真实的，而且开始得越早，效果越明显。
有些人为了避开风险，把钱全放在银行里，觉得这样最安全。但只要把通货膨胀算进去，钱放在户头里，购买力其实是在一年一年地缩水。
让我和您聊聊，如何透过分散配置，在把风险管理好的前提下，让资产稳健地成长。
Portfolio Optimization 投资与保单组合优化
Does your current portfolio comprise of the most suitable products at the best rates for you? Many people pay a higher premium for insurance coverage than they need. Let me show you whether we can unlock cash by reviewing pricing strategies and optimising your existing portfolio for bigger savings.
您手上的产品，是不是真的最适合您？价格又是不是最合理的？
我看过太多个案：同样的保障，保费却比市场行情高出一截，多付的钱年复一年地流走。
让我帮您重新检视整体配置——很多时候，不必多花一分钱，就能挪出一笔现金流出来。
Retirement Planning 退休规划
Have you ever wondered what your income will be after you retire? I have helped many people get a clearer projection of their CPF and also turn their dreams and goals into reality. Find out more about how you can better prepare for retirement.
您有没有算过，退休以后每个月能拿到多少钱？
我协助过许多客户把新加坡中央公积金（CPF）的未来给付算清楚，配上其他资源，让退休后的收入不再只是一个模糊的概念。
退休不该是走一步算一步。越早看清楚数字，选择就越多。
Estate Planning 遗产与传承规划
Estate planning is about distributing your wealth to your loved ones in the manner that you intended when you are no longer around. Find out from me about a comprehensive estate planning process through a sound combination of financial planning tools.
传承规划，是让您辛苦累积的财富，在您不在的时候，仍然照着您的心意交到家人手上。
谁拿多少、什么时候拿、怎么拿——这些如果没有事先安排，往往由法律替您决定，未必是您想要的结果。
让我为您梳理一套完整的传承安排，把遗嘱、保单提名、信托与持久授权书（LPA）等工具搭配使用。
什么是「中医式理财」？
中医看病，讲究望、闻、问、切，先摸清体质，再对症下药；理财也一样。
望 —— 先看整体。收入、支出、保单、投资、房贷、公积金，摊开来一起看，而不是单看一张保单。
闻 · 问 —— 听您真正在意的事。孩子的教育、父母的医疗、退休后的生活，才是规划的起点。
切 —— 把脉，找出问题的根源。很多人不是买得不够，而是买错了位置：保费付太多、保障却有缺口；钱躺在户头里，被通货膨胀慢慢消耗。
治未病 —— 中医最高明的地方，是在生病之前就调理好。财务规划也是——在意外、疾病、市场波动来临之前，先把底子打稳。
我不主张「猛药」，也不推销单一产品。我做的是固本培元：把您现有的资源理顺，让每一块钱都待在对的位置上。
Achievements & Qualifications 专业资历与荣誉
Service Mark
优质服务奖
Chartered Financial Consultant (ChFC/S®)
特许财务顾问师
Since 2018
2018年至今
Associate Estate Planning Practitioner AEPP® 遗产规划执业师
Since 2019
2019年至今
Million Dollar Round Table (MDRT)
百万圆桌会员
IBF Advanced ("IBFA") Level 3
新加坡金融管理学院高级认证
Since 2023
2023年至今
Videos
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Book Your Consultation 预约咨询
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