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Keef has established himself as a distinguished adviser in the financial industry, having dedicated a youthful seven years of his professional life to Synergy. With a captivating persona and a profound passion for his craft, Keef has garnered a reputation for his exceptional expertise and unwavering commitment to his clients. Coming straight from a Bachelor of Business (Major in Management) degree, he has since amassed a vast number of industry qualifications and certificates that back his expertise in the field of wealth building and portfolio optimisation for personal finance. Keef is naturally outspoken, curiously opinionated and very often enthusiastic when it comes to discussing about macro economics and how the world of finance works. He advices passionately on the overarching strategy of wealth management by sticking to clear principles for efficiency, simplicity and success in achieving clients goals. Keef is also part of a highly successful and internationally diversified team within Synergy: The Spire Group. Embodying their vision: "Fulfilling Dreams, Enriching Lives" allows him to achieve both his clients financial goals along with his own hence why they remain experts in the field of relationship building, competent advisory with utmost professionalism. With an extensive knowledge in multiple areas of finance such as Investment, GI, Life and Life (A&H with Shield), Keef is actively sought after by many and his advice is considered highly reliable. Not bound by any fiscal limitation, he enjoys taking up the challenge of compelxed financial cases whilst aiming to deliver beyond just his scope of advisory. His clients not only benefit from his active participation through meetings and discussions but also from his extended network of professionals ranging from investment properties abroad, taxation, estate planning and law.
As a financial adviser, my role allows me the privilege of meeting many people and hearing all their different stories. I'm also entrusted with their future hopes and dreams, for themselves and their families. One of the things I love most is when we finally sit down and acknowledge our financial short comings (or not) and penning down a plan (or roadmap if you will) on how to achieve those goals. Sometimes these plans require very strict discipline and at others a clear shift of traditional mindset. I enjoy sharing my in-depth knowledge on these global macro economics but it's not always one way. What also keeps me going is that I get to continuously learn more about what other people do and what their preferred future looks like. Many times it's not even about wealth!
My hope is to grow with my clients and that in 25 years I'd be able to see a majority of these laid out plans to fruition. After all, aren't we all working towards a somewhat similar goal?
From as early as I can comprehend, I've always associated insurance and investments as 'voodoo' magic that these nicely dressed folks at the bus interchange would come up to me and tell me that if I could save $100 a month for 20 yrs that I would receive $30,000 after 25 years. But if the worst happened, I'd get back all my money in insurance payout. They were focused on my future 25 years down the road and I was focused on buying that new pair of jeans at the end of the quarter. We were both wrong and nothing happened.
Out of sheer curiosity (and an abundance of time from term break) I took an internship with a financial advisory firm hoping to learn more about the industry. I was appalled to realise that like myself, many of the general public were not properly informed about their financial decisions. Some had their expectations completely mismanaged (leading to poor satisfaction and a pure distaste of the industry) where others simply chose not to do anything for decades which would later come back to present themselves as huge financial strain.
I was blessed with a team filled with many advisers more senior than I in experience and life and with them I learnt how to properly articulate financial instruments that may be challenging to comprehend. I enjoyed the process and now I seek to assist those after me, both clients and advisers alike. I truly believe that there is a need for quality financial advisers to give rise to better financial management of personal finance.
Not all advisers are the same and I encourage you to find someone who you feel comfortable with, can relate to and ultimately entrust with your financial planning needs. I'll definitely like the opportunity to explore that and if it isn't the outcome, all is well and I hope you'd have enjoyed meeting me.
Services provided are preferably via face to face as this is a relationship business. It helps all parties really dive deep into the planning phase and to understand what their options are.
It is recommended that we take a few mins prior (through phone or video conferencing) before setting an appointment to meet so as to establish the relationship and expectations.
There after, our advisory reviews may be carried out virtually or in-person depending on the scenario.
We are able to have meetings virtually via Zoom if there is a preference not to have in-person meeting.
What does a Financial Advisor do?
A financial advisor refers to a qualified professional who helps others manage their money. An advisor may specialise in a particular field such as investments, pensions, insurance or savings.
Their main responsibility is to understand your financial situation and to develop a plan based on your needs. They will begin by ascertaining your financial goals. For example, buying a house or retiring early. Your advisor will then want to determine your current position in relation to those goals. Once they have all the information, they will then use their experience to be able to determine the right path for you.
Often, people have an ongoing relationship with a financial advisor, who will navigate them at every stage to ensure they are working in their client’s best interests.
What to look for in a Financial Advisor
You must choose a financial advisor who is fully qualified to be able to help you manage your assets. They should have a good reputation and be someone who listens to your situation. Ideally, they should specialise in the area you need help in such as pensions or investments.
Always be wary of financial advisors who try and sell you investments without prior knowledge of your financial background. Instead, find an advisor who will customise their advice based on your current position and your specific goals.
Your financial advisor also needs to be someone you can build a good working relationship with. Meeting them in person and discussing your needs will help ensure you are both on the same page.
Different types of Financial Advice
Money is a broad topic and as such, it pays to find an advisor who understands your specific area of concern. Here are some of the most popular areas a financial advisor can help you with.
Investments - The right investments can make your money work harder for you, versus if it was just sitting in a bank account. The key is to choose the right portfolio that offers plenty of diversification. A financial advisor will be best placed to help you nurture your investments, and will ensure you don’t exceed your limitations.
Mortgages - Buying a home is for most people the biggest purchase they will ever make. Getting a great deal on your mortgage is tough, as is deciding what you can afford in the first place. Financial advisors who specialise in mortgages may be able to broker a better deal especially compared to what you will find on the high street. In the long run, this could save you a lot of money compared with not doing your research.
Pensions - How much money we will have to live on when we retire is a concern most of us face. There are various options for pensions these days, including an individual pension. A financial advisor will find the best pension deals based on your requirements. For example, how much you can afford to put in your pension pot and what your overall goal is.
Savings - Saving is one of the best ways to achieve your financial goals. A large savings pot can also come in handy should an unexpected event occur that would otherwise threaten your financial health. Saving takes discipline, and the various saving methods that are out there could help or hinder how fast you reach your target. That’s where a financial advisor will be able to find you the best deal and help you carve out a path so that you stay on track.
Do I need a Financial Advisor?
The topic of money is a complex one, and while you may be good at managing your money in general, there are various situations where a financial advisor can prove very useful. For example, if you are looking to invest. That’s because the stock market can be a volatile place, especially for those who are unfamiliar with how it works. A financial advisor will be able to invest on your behalf and also ensure you do not lose more money than you can afford to.
Another common matter is mortgages, particularly as a financial advisor may be able to get you a better deal than what a high street provider can offer. A financial advisor can also offer the same services for insurance and personal pensions too.
In all, there are many different fiscal services that a financial advisor can provide. If you want to ensure a healthy financial outlook, then seeking qualified advice is one of the best ways to make sure you are on track with your goals.
What are the different types of Financial Advisors?
There are two main types of financial advisors called independent and restricted advisors. A financial advisor must clearly state which type they are so that you can make an informed choice.
An independent financial advisor (IFA) will give you unbiased advice about a wide range of services. They may specialise in a particular area of finance or work broadly across the whole market.
A restricted financial advisor only works with a specific provider or area of expertise. There are various restrictions they may have to adhere to. For example, they may not be able to advise on the existing products that you already have in place.
Questions to ask a Financial Advisor
There are many questions you will want to ask your financial advisor - the basics including how they are paid and if they receive a commission on certain products. You’ll also need to know how the relationship will work and what their typical clients are so that you can be sure your interests are aligned.
Aside from the basics, you should ask your financial advisor how they plan on managing your money. This will usually be determined after they have identified your current financial position. While they are there to advise you, it’s still your money. So, it’s important you fully understand what they will be doing with it. Your adviser should be able to clearly state what products they think are best based on your individual circumstances.
You should also ask your financial advisor where your money will be held. Some financial advisors will hold onto your money for you, whereas others manage your investments on your behalf after you have made them. Many people opt for the latter due to it being more secure, as your advisor cannot take money out of your account.
If you have any other concerns or queries, then it’s a good idea to write these down before your appointment. The research you undertake before hiring a financial advisor should also give you some indication about how they work too.
How much does a Financial Advisor cost?
Financial advisors will either charge by the hour or have a flat fee. The amount you can expect to pay will vary depending on their level of qualification or expertise. Most financial advisors will give you an initial meeting for free. While this won’t cover any specific advice, it does give you a chance to see how they work and if you would be a great fit moving forward.
Can I find a Financial Advisor online?
Yes! Bark makes it simple to find and hire a Financial Advisor from the comfort of your home. Just tell us what you’re looking for and we’ll connect you with the best Financial Advisors for the job. Most Financial Advisors will be able to offer their services online or remotely, all you’ll need is a phone or a strong internet connection.
