Financial planning,by design.
I help thoughtful individuals and families in Singapore design financial plans that hold up over time — built like good architecture: structured, considered, and quietly enduring.
Three financial mindsets, all familiar to me.
Many Chinese-speaking families building lives in Singapore have parents in mainland China or Taiwan, businesses that operate across territories, and children who may end up studying in the UK. The plan has to hold up against all three financial systems — their common sense, and their blind spots — at the same time.
Greater China money instincts
Buying property, keeping cash in the business, an instinctive scepticism of financial institutions — these aren't flaws. They're rational instincts shaped by a specific cultural and economic history.
Singapore's actual rules
CPF, ABSD, MediShield, SRS, trusts, estate planning — you need someone who actually understands the rules, not someone who recites the brochure.
Western financial tools and language
A UK education gave me a working fluency in modern financial instruments — and the professional vocabulary to coordinate with your overseas lawyer and tax adviser.
Four situations I know especially well.
SME owner
All your assets sit inside the company. There's no independent family safety net. One illness, one lawsuit, one supplier shock — what does the family do?
We build a household balance sheet independent of the business — income protection, critical illness, disability, keyman cover.
Self-employed professional
You only contribute to Medisave. Your Special Account barely moves. The retirement gap is real, and most people don't see it.
We unpack the retirement plan: the SRS tax-deferral space, the forced-savings mechanism in insurance, a contribution rhythm that fits your business cash flow.
New-immigrant family
How does Singapore CPF actually work? How do you fund UK education? If your parents in China get sick, who pays?
Three jurisdictions of obligation, three currencies of cash flow. We work through them one by one. The cross-border legal and tax pieces are coordinated with your licensed lawyer and tax adviser.
Cross-border family
A Singapore will may not cover your property in China or Taiwan. Assets sit under capital controls. Liquidity is constrained.
Use life insurance as a cross-border liquidity and estate-equalisation tool, designed with your lawyer and tax adviser as part of the full plan.
Note: Specific cross-border tax, legal, or estate questions must be handled by licensed lawyers and tax advisers. My role is to do the insurance and financial-planning side well, and to coordinate with your legal team so the overall plan holds together.
My father skipped lunches so his colleagues wouldn't see how tight things were.
That's the room I'm in when I sit with a business owner whose outside doesn't match the inside. I learned the shape of tight money before I ever opened a spreadsheet for someone else,
Read more about me →What we draw together.
Services arranged using AIA products and other plans within the authorised scope of AIA Financial Advisers Private Limited.
Financial Health Review
A structured review of where you stand today — coverage, savings, exposure — and what a considered plan looks like from here.
Life Insurance
Advising on and arranging life insurance to protect the people who depend on your income and decisions.
Investment-Linked Products
Advising on and arranging investment-linked plans where long-term participation in market growth fits the plan.
Accident & Health
Advising on and arranging accident, hospitalisation, and disability coverage to keep an unexpected event from becoming a financial one.
Collective Investment Schemes
Advising on regulated collective investment schemes as part of a longer-horizon savings or accumulation strategy.
Group Insurance
Advising on and arranging group insurance for businesses looking after the people they employ.
The information above is for general reference only and does not have regard to the specific investment objectives, financial situation and particular needs of any persons. Please refer to the relevant policy contract for the precise terms and conditions of the product. For full details of AIA products mentioned above, please visit www.aia.com.sg (linking subject to a signed Website Link License Agreement with AIA).
How a plan gets drawn.
Five stages, the way an architect would work — from brief to maintenance.
Brief
A conversation, not a pitch. We talk about your life, your people, and what you want the plan to hold up.
Survey
A careful look at what already exists — coverage, savings, exposure. We measure the site before we draw anything new.
Drafting
I draft a plan: structure, materials, sightlines. Protection, growth, transition — each piece chosen for a reason.
Build
Once you sign off on the drawings, we put the plan into action — clean steps, clear timelines, nothing rushed.
Maintenance
Buildings settle; lives change. We schedule reviews so the plan stays true to the life it was drawn for.
The questions you're probably thinking.
Who do you primarily work with?
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Who do you primarily work with?
+Chinese-speaking small business owners in Singapore, new-immigrant families who have recently relocated, and families with cross-border financial obligations across Singapore, Greater China, and the UK. As an authorised representative of AIA Financial Advisers Private Limited, services are limited to insurance, investment-linked plans, and regulated collective investment schemes.
Why does it matter that the adviser speaks Chinese?
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Why does it matter that the adviser speaks Chinese?
+Many Chinese-speaking families in Singapore have parents, property, or businesses still in mainland China, Taiwan, Malaysia, or the UK. The plan has to take all of that into account, in the language you actually think in. I was born in Taiwan, educated in Singapore and the UK, and am licensed to practise in Singapore — all three financial systems' common sense can be discussed in the same conversation.
How should an SME owner approach retirement planning?
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How should an SME owner approach retirement planning?
+Self-employed business owners in Singapore typically only contribute to Medisave. The Special and Ordinary Accounts barely accumulate, and there is no employer match toward CPF LIFE. The result is that savings feel steady but the retirement-income path is incomplete. Common ways to close the gap include SRS, savings-oriented insurance, and investment-linked products. Specific tax and CPF details should be coordinated with a licensed tax adviser.
What does the first meeting look like?
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What does the first meeting look like?
+It starts with listening. Before we discuss any product or recommendation, I go through your goals, current coverage, business cash flow, and family obligations across jurisdictions. The first conversation is at no charge — the purpose is to clarify what a plan needs to do, not to sell.
Is jennycjh.com the official website of AIA Financial Advisers?
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Is jennycjh.com the official website of AIA Financial Advisers?
+No. This is the personal practice site of Chiang Jen Huei (Jenny Chiang), authorised representative of AIA Financial Advisers Private Limited (Reg. No. 201715016G). It is not the official AIA Financial Advisers website. All advice and product references are within the authorised scope of AIA Financial Advisers Private Limited.
First draft
Let's sketch your plan together.
A first conversation — no slides, no pitch. We map what you have, what you want, and where the lines need to be drawn. You leave with a clearer brief.
No obligations. No pressure. A conversation, drawn at your pace.