Are you thinking how you can use real estate for wealth accumulation?

Do you know that you might be sitting on a gold mine that can unlock an early retirement with passive income?

As a Property Wealth Planner, I often work with HDB owners, private property owners and commercial property owners to restructure their property portfolio. The purpose of this restructuring is to help my clients grow their wealth in a safe and systematic way. 

Watch this video to find out more.

Have you ever wondered?


"When can I upgrade?"

"How much income do I need?"

"Will I be over-stretched if I upgrade?"

Typically, my clients fell into the following categories. I have successfully helped them upgrade comfortably to private properties, create passive income streams and have a clear investment road map for the next 5 to 10 years.


HDB, EC or condo owners looking to upgrade.

2ND property owners

Existing residential property owners looking to purchase a 2nd property for investment purpose.

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Owners with multiple properties and want to review and restructure their portfolio for better returns. 


Real estate investors looking to invest in commercial properties 


First Time Upgraders

We have worked with many HDB owners looking to upgrade to a bigger HDB flat or condominium.

Our meeting often begins with an understanding of their needs and the lifestyle they are looking for. We will then do a detailed financial calculation including the CPF and cash proceed they will get back after selling their existing flats. We will also work with bankers to do the In-Principal Approval (IPA) for the loan they can take and the monthly instalment.

There are pros and cons to upgrading to a bigger HDB flat vs EC or condos. We will prepare a property investment roadmap for clients so they will have a good understanding of the mid-to-long term property investment plans before making a decision.

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It is many Singaporeans' dream to own a 2nd property for the purpose of passive income and capital appreciation.

When working with property owners looking to purchase a 2nd property, it is important to look into ways to help them save the Additional Buyer's Stamp Duty (ABSD). On top of that, there are also financial strategies that we utilise to help them fund the downpayment and get the leverage that they need. 

Last but not least, we will help our clients identify properties that is undervalued, have huge upside potential in terms of capital appreciation and rental return.


Read more on our 10-steps Property Investment Checklist



Multiple property owners are most concerned about structuring their property portfolio to get the maximum returns.

When working with multiple property owners, it is important to have a deep understanding of how the individual property performed vs the overall property market. The purpose is to identify properties that still have room for growth, while cashing out on properties that is stagnant or do not have much room for growth.


All these is done using detailed data research and analysis so as to provide the most accurate decision for our clients.




Besides residential property, our team is well versed in commercial properties, particularly commercial shophouse.


With the Additional Buyers Stamp Duties (ABSD) and Seller's Stamp Duty (SSD), real estate investors are increasing looking into the commercial segment. 


Our understanding of both asset classes coupled with our data analysis strengths allows us to give the best advise to our clients.


If you are interested to find out more, contact me and let's have a non-obligated chat.