Our People

Joshua advises high-earning professionals aged 35 to 60, business owners, and HNW and UHNW individuals and families. His clients are typically managing several priorities at once — retirement, their children’s future, passive income, and estate planning. Many simply don’t have time to navigate the noise of conflicting advice.

Since entering the financial advisory industry in 2015, Gem has helped individuals and families make sense of their finances and plan with greater clarity and purpose. Her guiding belief is simple: clarity first, consistency always, and coaching along the way.

Aly believes that everyone deserves access to quality financial advice and the ability to make informed decisions about their finances. She is dedicated to help families build a future they can look forward to, without putting their life on hold today. Since 2015, Aly has worked with busy professionals and families who juggle demanding careers with long-term financial goals. She works closely with mass affluent professionals and business owners earning between SGD $120,000 and $500,000 a year. Most of her clients want the same thing: to grow their wealth steadily, take care of their families, and still enjoy life along the way.

Melanie believes that a financial plan should help people make room for the lives they want to lead, while taking care of the responsibilities they carry. After more than 20 years in senior finance and business roles, she brings a practical understanding of financial planning, cash flow, risk and capital allocation to her wealth advisory work. Her own journey through motherhood and career transition has also deepened her appreciation of how personal financial decisions can be and how valuable it is to have someone who listens, asks thoughtful questions and helps make the choices clearer.