The Value of Choosing Whitman

At Whitman, we are unwavering in our commitment to deliver a comprehensive and tailored approach that accurately assesses each client’s financial situation

Holistic Wealth Management Advisory Model

At Whitman, our proprietary Holistic Wealth Management advisory model is what sets us apart from traditional banks. It’s not just about numbers or transactions — it’s about understanding the whole picture of your financial life.

Our holistic approach ensures that we consider all aspects of your financial journey, enabling us to provide truly personalised advice and solutions. In doing so, we are able to reduce unnecessary risk exposure and increase the return potential of a client’s various investment assets. In other words, we don’t just grow your wealth; we grow it with high certainty.

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The 5 Steps of Holistic Wealth Management Advisory Model

1. Holistic Financial Planning

The foundational step for making informed financial decisions at every stage of your life. A comprehensive plan that takes into account various aspects of your financial life, including savings, living expenses, and return on investment (ROI), to effectively guide you on your personal financial journey.

2. Cash-Flow Management

Setting aside cash reserve for unforeseen and major life events, which empowers one to have holding power to weather financial crises and make informed decisions.

3. Strategic Asset Allocation

Helps to diversify your total investible assets across various classes, such as cash, foreign currencies, bonds, equities, to create a well-balanced portfolio that safeguards your investments from potential losses in any one asset class.

4. Risk-Calculated Investing

Selection of best-of-breed investments through performing extensive research into investment products, including their performance history and the track record of fund managers.

5. Active Performance Management

Continuous reviews and strategic actions taken to optimise your investment portfolio. It involves identifying and divesting underperforming assets, periodically adjusting your portfolio to align with the target asset allocation, and rebalancing to capture long-term growth opportunities.

Independent

At Whitman, we operate as Independent Financial Advisors (IFAs). This means your interest comes first. Our advice is not influenced by the vested interests of any fund manager, life insurance company, stock- broking firm, bank, or other financial institutions. Being independent, we are able to explore the entire market and select from a wide range of options based on their merits and suitability for your specific needs and goals.

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Regular Reviews and Communication

We regularly meet and provide clients with financial reports that give them a comprehensive view of their financial affairs: past, present and future. These meetings are a continuous and integral part of our service delivery, serving as a platform for dialogue. They allow us to understand your evolving needs, answer any questions you may have, and adjust strategies as needed to ensure we’re always aligned with your financial goals and aspirations.

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Consistent Advice

Our independent financial advisors are guided by an advisory model developed by Yap Ming Hui. Built on years of expertise and industry insight, this unique model enables us to offer solutions tailored to your specific financial circumstances. This ensures consistency in the quality of advice provided by our team of Holistic Wealth Management practitioners.

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Low client-to-advisor ratio

Our low client-to-advisor ratio is a fundamental part of our service commitment. This structure ensures that you receive personalised attention, fostering a strong relationship with us. It enables us to navigate competently through all stages of our clients’ financial life, ensuring you feel supported every step of the way.

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