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.
Choosing Wei Ren was one of the best decisions I made for my financial future. His approac...
Yi Xiang is a professional agent who has never shied away from spending extra time to find...
As a former colleague, I know Gabbie is honest and trustworthy. He presents financial info...
I met Zack in 2019 when I was looking to get a term life insurance policy. From then on, h...
I have known Hayley for more than a decade and since our teenage days, she showed lots of ...
I highly recommend Caleb for his exceptional insurance services. He's knowledgeable, indep...
I had the pleasure of working with Wei Ren and cannot speak highly enough of his expertise...
Zack stood out among other financial consultants because of his ability to find afford...
Hayley takes her client’s needs seriously and she is very prompt when addressing to my c...
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I could always count on Hayley to address my concerns with regards to insurance and financ...
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Yi Xiang has been my trusted Advisor since 2018, and there is no one else I would trust mo...
I first met Jacqueline through my co...
Hayley takes her client’s needs seriously and she is very prompt when addressing to my c...
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I initially met Zack on Instagram, which felt like serendipity as I was considering invest...
I had the pleasure of working with Wei Ren and cannot speak highly enough of his expertise...
I highly recommend Caleb for his exceptional insurance services. He's knowledgeable, indep...
I could always count on Hayley to address my concerns with regards to insurance and financ...
Zack stood out among other financial consultants because of his ability to find afford...
I have known Hayley for more than a decade and since our teenage days, she showed lots of ...
I met Zack in 2019 when I was looking to get a term life insurance policy. From then on, h...
I was recommended to Jacqueline by a friend, and I chose her from among many financial con...
I met Jacqueline when I was purchasing my first property and she was my mortgage specialis...
Yi Xiang has always provided me his knowledge in his financial sector and advices me on de...
My son introduced me to Gabbie, and I was impressed by his honesty and sincerity. He prese...
Why Your Money Personality MattersYour financial choices aren’t just determined by the numbers in your account — they’re shaped by your habits, emotions, and even the stories you grew up with about money. Maybe your parents drilled the importance of saving into you. Maybe you saw money as a tool to enjoy life. Or maybe, talking about […]
No Kids, Double Income… So Retirement Should Be Easy — Right? That’s what many DINK (Dual Income, No Kids) couples assume. After all, you’ve got no school fees, no childcare bills, and more freedom. But here’s the truth: Having no kids doesn’t guarantee a smooth retirement. In fact, it brings a different set of challenges […]
You’re in your 40s. You’re raising kids, managing school fees and enrichment classes, supporting aging parents, working hard to grow your income, and still repaying your home loan. Retirement? That feels like a problem for “future you.” But here’s the truth: This decade isn’t the time to delay retirement planning — it’s the most important time […]
