Engineered
Passive Income
"Engineered financial plans for long-term peace of mind."
Precision
Calculated risk management and data-driven portfolio construction.
Optimization
Constant fine-tuning to maximize yields and minimize taxes.
Vision
Holistic thinking that connects retirement to legacy planning.
Resilience
Building floor-proof structures that withstand market shocks.
The Passive Income Specialist
Engineering the bridge from your career to your legacy.
Precision-built retirement income. Airtight legacy protection.
With a Master's in Electrical Engineering and an Executive MBA, I approach wealth management differently. I don't just pick products; I engineer systems.
Your wealth is an engine. It needs high-quality fuel (REITs & dividend stocks), a robust cooling system (risk management), and a clear roadmap (estate planning).
Core Systems
How we engineer your financial independence.
S-REIT & Income Portfolios
Structured portfolios using S-REITs and global dividend assets designed for predictable, recurring cash flow.
- Monthly Income
- Yield Optimization
- Sector Diversification
Retirement Optimization
Personal roadmaps that ensure your assets last as long as you do, with tax-efficient withdrawal strategies.
- Stress Testing
- Inflation Hedges
- Income Laddering
3-in-1 Estate & Legacy
Comprehensive protection addressing social, legal, and financial risks through Wills, LPA, and Standby Trusts.
- Will-Trust Setup
- LPA Preparation
- Asset Protection
Income Estimator
How much passive income could your portfolio generate?
Use our engineered estimator to see how a structured S-REIT and income portfolio could transform your savings into monthly recurring income.
Professional Rigor
Professional Designations
Awards & Recognition
Best Practice Consultant Award
Awarded to the year’s most exemplary practitioner for achieving perfect alignment with MAS BSC standards, demonstrating unrivaled due diligence and ethical leadership in financial planning
FAQC Eminence Award
Our Supreme Distinction for the elite few who define the pinnacle of the industry through market-leading volume and unwavering professional integrity
FAQC Prestige Award
Recognizing Distinguished Excellence in ethical advisory, awarded to consultants who pair consistent MAS compliance with high-tier financial planning success
Top 5 AUA Award
Celebrating the elite quintet of advisors who command the highest trust through the management of expansive client portfolios across diverse asset classes, from core equities to bespoke alternative investments
The Track Record
A decade-plus of specialized investment advisory.
Founder
REITsavvy
Leading REIT education and research in Singapore. Developed proprietary REIT screening frameworks and dashboards for yield, valuation, and risk comparison.
Wealth Advisory Director & REIT Specialist
Financial Alliance Pte Ltd
Advising S$25 Million in assets for 200+ families. Specialist in legacy planning and constructing resilient REIT portfolios generating consistent passive income.
REIT Speaker & Trainer
SGX Academy
Specialist trainer for S-REIT investing. Delivering training modules to equities salesforce and retail investors on market and product information.
Channel News Asia (CNA)
Financial Program Guest Speaker
MoneyFM 89.3
Regular REITs Commentator
Lianhe Zaobao (LHZB)
Estate Planning Column Guest Expert
Market Intelligence
Insights & Perspectives
Why S-REITs Remain the Crown Jewel of SG Retirement Portfolios
An engineering perspective on how S-REITs provide the most efficient cash-flow yield compared to traditional dividend stocks and bonds, especially in a volatile rate environment.
The Flaws in Traditional '4% Rule' Retirement Planning
Why withdrawing from your principal is a mathematical risk, and how a 'Yield-Only' portfolio design protects your capital against sequence-of-returns risk.
Structuring Your Legacy: Wills vs. Standby Trusts
A deep dive into the legal and financial mechanics of wealth transfer. Don't let probate freeze your family's assets when they need it most.
Social Proof
Trust from your community.
Yash Gupta
Retiree (70+)
Since first attending Kenny's REITs class in 2013, his mentorship has been instrumental in securing my retirement. As a dedicated REITs Specialist, Kenny combines high-level professional certifications with a genuine, "extra mile" approach to coaching. Through seven years of heavy investing, his wisdom helped me navigate mistakes and remain disciplined. Now at 70+, I enjoy the "sleep well" factor that comes from a stable dividend portfolio. Kenny's unique ability to tailor solutions to different life stages—coupled with his generosity and integrity—makes him a truly trustworthy advisor.
Tan Kiam Hong
Senior Manager, Business Transformation
Since I started investing in the US market to build my retirement nest egg, my ongoing concern was around the estate taxes imposed by the US IRS when I pass. How do I ensure that my family will receive the assets that I have painstakingly built up over the years? After speaking with Kenny, he proposed a solution that included an insurance plan (to cover estate taxes) and setting up a Trust (to execute my will). I feel that I can finally sleep well at night knowing that my family will be well taken care of. I really appreciated Kenny's guidance in setting up my will & Letter of Wishes. His pleasant personality and accessibility was reassuring throughout the process.
Andrea Lin
Senior Proposal Specialist, Asset and Wealth Management
Working with Kenny has been an enlightening journey towards financial empowerment and security. From our very first meeting, Kenny took the time to delve deep into my financial aspirations and identified the retirement gaps. He came up with financial solutions and explained it thoroughly in order to clarify any doubts I have before proceeding with the transactions. I am immensely grateful for Kenny's expertise, professionalism, and genuine care throughout our partnership. Without hesitation, I would highly recommend Kenny to anyone seeking a financial advisor who truly prioritizes their client's financial well-being.
Real-World Success Stories
A selection of high-impact engagements where we applied rigorous engineering discipline to solve complex financial challenges.
The S-REIT Retirement Engine
Retired Corporate Executive, 68
Challenge
"Transitioning from a high-stress corporate salary to a predictable income floor without eroding capital."
Outcome
Generated a consistent monthly dividend income of S$8,000, achieving a 6.2% net yield with low volatility.
US Estate Tax Optimization
Indian Expat in Singapore, 48
Challenge
"A US$2.5M US stock portfolio facing potential 40% US federal estate tax with no US-Singapore tax treaty protection."
Outcome
Eliminated the 40% tax exposure (saving US$1M), simplified cross-border succession, and optimized long-term portfolio growth.
Strategic SME Succession
SME Founder (Manufacturing), 58
Challenge
"Ensuring business continuity and fair distribution between active and inactive family members without financial strain."
Outcome
Guaranteed liquidity for the estate and a legally-binding, smooth transition of control to the chosen successor.
Airtight Legacy Protection
Business Owner, 52
Challenge
"Complex family structure and overseas assets creating significant estate tax and distribution risks."
Outcome
Ensured seamless asset transition, protected his children's inheritance from legal risks, and optimized for US estate tax exposure.
The Passive Income Bridge
Tech Professional, 45
Challenge
"Building a secondary income stream to provide flexibility for earlier retirement while still working."
Outcome
On track to replace 50% of monthly salary within 10 years, providing 'walk-away' financial independence.
Holistic Insurance Hedge
Family with Young Children
Challenge
"Managing risk without over-insuring or buying 'empty' products that don't protect the income earner."
Outcome
Created a bulletproof hedge for the passive income portfolio, ensuring family lifestyle continuity through needs-based analysis.