Gilbert Koh
Independent Financial Adviser

Your Financial
Clarity Session

See exactly where you stand — your net worth, cash flow, and any protection gaps, laid out clearly in one place. Takes about 8 minutes. Your figures stay on your device unless you choose to send them at the end.

Your information is kept strictly confidential and used only to prepare your personalised financial review.

Gilbert Koh
Before you proceed

Data Protection & Disclaimer

Personal Data Protection Notice (PDPA)

  • Data collected: Your name, nationality, and contact details provided at login are collected for the purpose of verifying your identity and facilitating communication.
  • No worksheet data collected without your consent: Financial information you enter during this session is processed locally on your device only. It will not be transmitted to Gilbert Koh unless you choose to send your results at the end of the session to initiate a no-obligation discussion on your financial plan.
  • Newsletter: By proceeding, you are automatically subscribed to Gilbert Koh's financial insights newsletter. You may unsubscribe at any time by clicking the unsubscribe link in any newsletter email.
  • Purpose: Contact details are used to prepare a personalised financial summary and to facilitate an advisory discussion with Gilbert Koh, should you choose to initiate one.
  • Disclosure: Accessible only to Gilbert Koh, a licensed Financial Adviser Representative regulated by MAS. Your data will not be sold or disclosed to third parties without your consent, except where required by law.
  • Retention: Retained for the period necessary to provide advisory services and as required under MAS regulations.
  • Your rights: You may request access to, correction of, or withdrawal of consent for your personal data at any time by writing to gilbert@avallis.com.

Disclaimer

  • This tool and all outputs generated are for general illustration purposes only. They do not constitute financial advice, an offer, or a solicitation to buy or sell any financial product.
  • Results are based solely on the information you provide and may not reflect your complete financial position.
  • Projections and illustrations are not a guarantee or prediction of future performance.
  • You are strongly advised to seek independent financial advice from a licensed adviser before making any financial decision.
  • Gilbert Koh is a Financial Adviser Representative regulated by the Monetary Authority of Singapore (MAS) under the Financial Advisers Act (Cap. 110).

By proceeding, you confirm that you have read and agree to the above.

Independent Financial Adviser

Step 01

Personal particulars

Your details, your spouse, and your children

Self
Spouse (optional)
Children (optional)

Step 02

Assets & Liabilities

What you own, what you owe, and how you're protected

Properties
Market value (S$)
Loan O/S (S$)
Instalment/mth (S$)
Type
Rental/mth (S$)
Property 1
S$
S$
S$
S$
Property 2
S$
S$
S$
S$
Property 3
S$
S$
S$
S$
Property 4
S$
S$
S$
S$
Vehicles
Market value (S$)
Loan O/S (S$)
Instalment/mth (S$)
Car 1
S$
S$
S$
Car 2
S$
S$
S$
Savings, CPF & investments
S$
S$
S$
S$
S$
S$
S$
S$
S$
S$
S$
S$
S$
S$
S$
S$
Insurance policies

Step 03

Monthly income

All sources of household income

Employment
S$
S$
S$
S$
Other income
S$
S$
S$

Step 04

Monthly expenses

Typical monthly spend across all categories

Lodging
S$
Food
S$
S$
Personal
S$
S$
S$
S$
S$
Transportation
S$
S$
S$
S$
S$
S$
S$
Household maintenance
S$
S$
S$
S$
S$
S$
Spouse personal expenses
S$
S$
S$
S$
Medical
S$
Sundry
S$
S$
General
S$
S$
S$
S$
S$
S$

Step 05

Your financial summary

Net worth, cash flow, and key ratios — calculated from what you entered

You've taken the first step.

Now let's turn these numbers into a plan that works for you.

  • Strengthen your protection so your income, family and assets are covered
  • Build a strategy to grow your wealth and make your money work harder
  • Plan ahead to fund your children's tertiary education
  • Map out a retirement plan so you can stop work on your terms
  • Set up an estate plan so your legacy passes on exactly as you intend

These numbers are a starting point, not the full picture. A short conversation with Gilbert can tell you whether this actually matters for your situation — and what to do about it.

Step 1 of 5