Gilbert Koh
Independent Financial Adviser

Your Financial
Clarity Session

A private, guided review of where you stand today — your assets, cash flow, and the opportunities ahead. Takes about 8 minutes, entirely confidential.

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

Planning with purpose

What does money mean to you? Select your top 3 priorities at this moment in life.

🛡️
Financial security & independence
When life throws a curve ball
✓
👨‍👧
Provide the best for my child
Education, health and opportunities
✓
👨‍👩‍👧‍👦
Enjoy the best in life with family
Experiences, travel and quality of life
✓
⛱️
Retire early or fund my retirement lifestyle
On my own terms and timeline
✓
❤️
Fund my charitable causes
Give back and make a difference
✓
🌳
Grow my estate for future generations
Leave a legacy that lasts
✓

0 of 3 selected

The best time to plant a tree was 20 years ago. The second best time is now.

— Chinese Proverb

Step 02

Personal particulars

Your details, your spouse, and your children

Self
Spouse (optional)
Children (optional)

Someone is sitting in the shade today because someone planted a tree a long time ago. Financial planning is the tree you plant for your family's future.

— Warren Buffett (adapted)

Step 03

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
Self
S$
Spouse
S$
CPF
Self
S$
S$
S$
Spouse
S$
S$
S$
Investments
Self
S$
S$
S$
S$
Spouse
S$
S$
S$
S$
Insurance policies

It's not about how much money you make, but how much you keep, how hard it works for you, and how many generations you keep it for.

— Robert Kiyosaki

Step 04

Monthly income

All sources of household income

Employment
Self
S$
S$
Spouse
S$
S$
Other income
S$
Self
S$
Spouse
S$

A goal without a plan is just a wish. Your family's financial security deserves more than a wish.

— Antoine de Saint-Exupéry (adapted)

Step 05

Monthly expenses

Typical monthly spend across all categories

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

Beware of little expenses. A small leak will sink a great ship.

— Benjamin Franklin

Step 06

Your financial summary

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

Hope is not a financial strategy. A plan is.

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
Step 1 of 5
Gilbert Koh — Independent Financial Adviser · gilbertkoh.com
© 2026 Gilbert Koh. All rights reserved.