About Karen

Karen is a Monetary Authority of Singapore (MAS) licensed Personal Financial Advisor as well as an Associate Financial Planner (AFP) certified professional. She was educated in Singapore and Canada and holds a B.A. Degree in Communication.

Karen worked 9 years in a top global bank around the world before entering this sunrise industry. She is passionate about educating individuals on the path to lifelong holistic wealth.

Possessing a wealth of international experience in the Financial Services industry, Karen offers truly unbiased and independent advice on Wealth Protection and Wealth Accumulation strategies.

Her Story

It was a spate of unpleasant encounters with her then insurance agent friend that motivated Karen to join the independent financial advisory (IFA) industry.

She lost a five digit sum of money as a result of incompetent & unsound advice. What was even more disturbing was that the agent friend was unwilling to restructure her plans despite Karen’s
repeated instructions.

Karen realized that she needed unbiased advice, a second opinion from an advisor who is not tied to any insurance company. And she was fortunate to have met one.

Karen learned that being educated does not necessarily equate to being financially intelligent. Often, we make decisions spontaneously, buying plans and investments to compensate agent friends for their time and effort, without full comprehension of how everything fits together.

Karen is keen to share her personal experience and empower you to make wise financial decisions, saving you from avoidable and costly mistakes.

Vision & Mission

Helping individuals & families gain peace of mind by:

1. Covering expensive gaps & wastages in their existing insurance programs
2. Guiding them to the most profitable investment opportunities in Singapore
3. Saving them up to 40% of existing costs

The Karen Tang Difference 

Why Karen
A main reason why clients engage Karen is because she is a new breed of financial advisors who belong to the Independent Financial Advisory (IFA) industry. The mission is to provide comprehensive financial planning services comprising of wealth protection (insurance), wealth accumulation (investments) and estate planning solutions to our clients, all under one roof. 
With access to 9 life insurers and as many as 25 asset management houses in the Singapore market, Karen is able to provide unbiased and holistic advice to our clients.  Karen also represents one of the largest financial advisory companies in Singapore. 

Benefits of Engaging Karen

1. True holistic financial planning: You benefit from having Risk Management, Wealth Accumulation, Estate Planning and Mortgage Financing provided under one roof.  

2. Big picture view of your financial program: You gain a clearer picture of how the individual plans in your financial program fit and work together to meet your life goals. 

3. Unbiased Advice: Your needs drive your solutions and not the other way round. With access to some of the best solution providers in the market, we are able to source for the most appropriate solution for you.

4. Compare & Select: You have access to the very best financial solutions from across the market, not just from one product provider. Our role as your financial advisor is to provide clarity and guide you to the most ideal solutions that best fit your needs. We specialize in comparing and selecting insurance options; not only do we study the fine print (terms and conditions), and most of all we also ensure that our clients get the most cost effective option.

5. Continuous Tracking: Your needs and goals may evolve over time. Through an ongoing relationship with us, we help you to review your plan or strategy on a periodic basis, and make any necessary adjustments to help you stay on track. 

Experience the Karen Tang Difference
If you have dreams, Karen has the solutions to make them happen.

She will guide you on the path to achieving your life’s goals with peace of mind.  Your experience with your financial planner, may have been similar to this typical process: 

1. You filled out a questionnaire
2. You received some generic advice and
3. If you had investments, someone “reallocated your assets.” 

Karen offers you an ongoing and personalized approach to financial planning that is custom-tailored to your life and dreams.

Karen is with you every step of the way.  Her role is to help you stay focused on your objectives.

1. Organize and Simplify
Our first priority is to provide clarity to you in terms of what you have in your portfolios, be it insurance or investments. Many a times, clients do not know what they have and what they are paying for and how the various plans fit together in their existing financial planning programs.

2. Listen and understand your needs
This is the reason why certain solutions are recommended. Understanding a client’s needs and requirements are crucial to structuring an optimal strategy for the client. Our natural rapport with clients has enabled us to draw out goals and dreams which sometimes clients have overlooked or not thought of.

3. Comprehensive
As a comprehensive financial advisor, we see ourselves more like financial doctors where we look for the root of the problem and not just the symptoms. We are trained to identify gaps and areas of deficiency and show clients the path to secure their financial future.

4. High quality planning services and competitive research
This includes current portfolio re-organisation, recommendations for optimization, on-going monitoring & periodic review. Our knowledge of the market will help you save precious time and costs. 

5. Personalized expert service 
If you’re tired of meeting product sales people, then you’ve come to the right place. Your best interests is our priority and we focus on the consultative process to help you formulate a road map to reach your goals.

6. Educate
Our passion in financial planning has led us to put education first before recommending solutions. When a client is empowered with the knowledge to make the right decision, we know that we have given him/her something valuable.

7. Investment strength
Our investment philosophy is long term value based investing. Through the investment platforms that we work with, you can have access to global markets and gems of opportunities to grow your wealth. We specialize in portfolio management (diversified global investment portfolio) where we will construct, review and manage your portfolio on an ongoing basis. 

8. Special solutions to meet the needs of high net worth individuals & families
This includes private banking solutions without the extravagant price-tag.

9. Holistic lifestyle & health guidance
We are passionate about health and a balanced lifestyle. We are also a resource to our clients. We believe that there is more to life than just money. Our mantra is “Retire Rich” - rich in every sense of the word: spiritually, emotionally, physically and financially.