Financial Planning Made Simple. 
Clarity in Wealth. Confidence in Legacy.

We are a team of experienced Wealth Associates specialising in holistic financial and estate planning, covering investments, retirement strategies, succession, trusts, and risk management. Our solutions are tailored for accomplished professionals, business owners, and families who want clarity in decision-making, protection for their loved ones, and confidence that their legacy will endure.
The photo above includes the GEM team financial advisors and support staff.
The photo above includes the GEM’s team of Wealth Associates and support staff.

Protecting Wealth, 
Preserving Legacies

True wealth isn’t just about accumulation. It’s about clarity, protection, and legacy. As success grows, so does complexity: properties across borders, growing investments, children’s education, retirement readiness, and caring for family across generations. Managing it all requires more than products. It requires structure, foresight, and a trusted partner.


At G.E.M, we work with accomplished professionals and business owners to simplify the complex and bring confidence to every decision. Our holistic planning approach ensures your wealth is preserved, your family is protected, and your legacy is secured for generations.


With us, you gain more than a plan. You gain the freedom to live fully today, knowing tomorrow is taken care of.

Begin Your Journey

Our Services

We offer a range of services to suit your holistic planning needs.

Risk & Wealth Protection

Shield your assets and income from life’s uncertainties with tailored protection strategies that secure both your present and future.

Retirement & Lifestyle Planning

Create a clear path to financial freedom, ensuring the lifestyle you’ve worked hard for continues into retirement and beyond.

Estate & Legacy Planning

Plan with foresight so your loved ones are cared for, your wealth is structured wisely, and your legacy carries on for generations.
Discover What’s Possible

A Proven Approach to Wealth & Legacy

Our process begins with a deep understanding of your goals, values, and priorities. From there, we design and implement strategies tailored to your needs — ensuring clarity, confidence, and long-term security for you and your family.

Understanding
Your Priorities

Comprehensive Wealth Analysis

Tailored Recommendations

Ongoing Portfolio Monitoring

Regular Reviews 
and Insights

Exclusive Digital Access

Private Client Experiences

A Long-Term Partnership

Hear what our clients are saying

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Zack stood out among other financial consultants because of his ability to find afford...

Ding Yuan
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As a former colleague, I know Gabbie is honest and trustworthy. He presents financial info...

Rong Sen
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Prompt, precise, friendly, and approachable - these are the best words that I would descri...

Khairul Azhar
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Trust is paramount when it comes to financial advice, and Wei Ren has earned mine unequivo...

Ang Zheng Kai
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Jacqueline was recommended by not one but two good friends of ours. We have met many advis...

Vyan & Soe-Na
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I met Gabbie at church and appreciate his reliability, honesty, and integrity. He clearly ...

Abraham
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Yi Xiang has always provided me his knowledge in his financial sector and advices me on de...

Venjamin Sia
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Jacqueline's trails of achievements gave me the confidence she would be able to give me so...

Joan
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I first met Jacqueline through my co...

Chan Yan Ting
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I am writing to express my utmost satisfaction with the exceptional service I have receive...

Vincent Ng
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Yi Xiang is a professional agent who has never shied away from spending extra time to find...

Muhammad
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Hayley is truly a caring and helpful person as a friend. She is also professional in her j...

Evonne Tan
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Having known Jacqueline for some time, I have validated that she is very passionate in wha...

Steve Kong
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I have known Hayley for more than a decade and since our teenage days, she showed lots of ...

Roston Lim
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Jacqueline has been my trusted financial planner for many years and I cannot recommend her...

Hong Ye
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Hayley is my go-to-agent who has been helping me for a few years now, and she does a brill...

Jasmine Ang
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Trust is paramount when it comes to financial advice, and Wei Ren has earned mine unequivo...

Ang Zheng Kai
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Jacqueline was recommended by not one but two good friends of ours. We have met many advis...

Vyan & Soe-Na
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I have known Hayley for more than a decade and since our teenage days, she showed lots of ...

Roston Lim
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I first met Jacqueline through my co...

Chan Yan Ting
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Zack stood out among other financial consultants because of his ability to find afford...

Ding Yuan
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Prompt, precise, friendly, and approachable - these are the best words that I would descri...

Khairul Azhar
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Hayley takes her client’s needs seriously and she is very prompt when addressing to my c...

Jasmine Ng
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Yi Xiang has been my trusted Advisor since 2018, and there is no one else I would trust mo...

Levina Chan
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Having known Jacqueline for some time, I have validated that she is very passionate in wha...

Steve Kong
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I am writing to express my utmost satisfaction with the exceptional service I have receive...

Vincent Ng
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Choosing Wei Ren was one of the best decisions I made for my financial future. His approac...

Khor Jun Xiong, Eric
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As my Financial Advisor, Yi Xiang is very informed about the current financial market and ...

Charlene Lee
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I met Jacqueline when I was purchasing my first property and she was my mortgage specialis...

Lionel Oh
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Yi Xiang is a professional agent who has never shied away from spending extra time to find...

Muhammad
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As a former colleague, I know Gabbie is honest and trustworthy. He presents financial info...

Rong Sen
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Jacqueline is one of the most hardworking and conscientious Financial Adviser we have met....

Kenneth & Yien
  • Jacqueline was recommended by not one but two good friends of ours. We have met many advisors and she is the best we have dealt with. She was proactive (but not pushy) with her engagement. She took time to understand our situation and gave us a good analysis of the different options available. Very importantly to us, she was patient and did not try to push for a closure at each visit. we did not feel obliged to purchase any policy with her. She is also very efficient and responds to our queries and requests quickly, following through on our requests without delay whenever we need her help. Highly recommend!
    Vyan & Soe-Na
  • Having known Jacqueline for some time, I have validated that she is very passionate in what she does. She is very committed and responsive to her client's needs, and is diligent to ensure I have complete understanding from her analysis. before making any sound financial decisions for my entire family. My wife, kids and myself will love her by our side for years to come - as a close friend and dedicated financial consultant.
    Steve
  • Her trails of achievements gave me the confidence she would be able to give me sound advice. She is patient and laid out options for one to consider, explain the recommendation clearly. Jac provides a quarterly update of how the personal portfolio is doing and also gives updates on the general market trend. This is useful to have an idea of how your personal portfolio is performing against the market.
    Joan
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The People Behind GEM

A team of accomplished advisors trusted by professionals, business owners, and families — and a community where ambitious financial professionals grow into leaders.

Jacqueline Chow

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Zu Wei Ren

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Hayley Huang

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Caleb Goh

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Zack Wong

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Gabbie Chua

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Lam Yi Xiang

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Join Our Journey

Insights & Perspectives

Perspectives on wealth, legacy, and financial strategies that stand the test of time.
The Role of Trusts in Safeguarding Your Children’s Future

In today’s unpredictable world, safeguarding your children’s future is more important than ever.  For parents, setting up a trust can be a strategic move to manage and protect assets for the benefit of their children.  Trusts provide clarity, control, and protection, ensuring that the resources you’ve worked hard to accumulate are used wisely for your […]

Read the article
Why Modern Families Should Not Rely on the Intestate Succession Act (ISA) (And Why Writing a Will is Essential)

In today’s diverse society, family structures are varied and often complex, moving far beyond the traditional model of a nuclear family.  However, there may be a mismatch between the laws governing estate planning such as the Intestate Succession Act (ISA), and reality. Understanding how the ISA applies, and more importantly, its limitations, is crucial for […]

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Integrating Your HDB with Your Estate Plan: A Step-by-Step Guide

Estate planning might sound like something only the wealthy need to worry about, but if you’re a Housing Development Board (HDB) flat owner in Singapore, it’s something you should think about too.  Whether you’ve fully paid off your flat or are still chipping away at a mortgage, having a plan in place can ensure that […]

Read the article
Read More Insights

Your Career, Reimagined

This isn’t about starting over, it’s about levelling up. If you’re an experienced banker or financial advisor, let’s talk about how GEM helps you work with affluent clients, scale with confidence, and build a practice that lasts.

Let’s Talk Possibilities

We’re Here to Listen

Discover how we can protect, grow, and preserve what matters to you.




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    Prestige Wealth 
    10 Anson Road, 
    International Plaza #15-19, Singapore 079903.
    +65 8448 6697
    (Operational during business hours only)
    gem@pfplegacy.com
    GEM is a unit under Prestige Wealth, a group of Financial Adviser Representatives representing PFPFA Pte Ltd
    PFPFA Main Office
    PFPFA Pte. Ltd.
    9 Temasek Boulevard, 
    #30-01/02 Suntec Tower 2, Singapore 038989. 
    www.pfp-fa.com
    +65 6470 9393

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