x
T H E
F i n a n c i a l
A s t r o n a u t
Get Started
Get Started
X
Why Choose us

Comprehensive financial solutions under one roof

Proven track record of
success

Client-first approach with personalized attention

The Importance of Financial Planning

  • Navigating Student Loan Debt

    One of the dening nancial challenges for millennials is student loan debt. According to recent data, the average millennial carries tens of thousands of dollars in education-related debt. Without a strategic plan to manage and pay o this debt, it can hinder progress toward other nancial goals, such as homeownership or retirement savings.

    Tip: Focus on creating a repayment strategy. Consider options like renancing for lower interest rates or income-driven repayment plans to align payments with your budget

  • Building an Emergency Fund

    Life is unpredictable, and having a nancial safety net is essential. An emergency fund can prevent unexpected expenses—like medical bills or car repairs—from derailing your nancial stability.

    Tip: Aim to save three to six months’ worth of living expenses. Start small by automating savings into a separate account.

  • Investing for the Future

    Many millennials delay investing, oen due to a lack of knowledge or fear of risk. However, the earlier you start, the more time your money has to grow through the power of compound interest.

    Tip: Begin with low-cost index funds or exchange-traded funds (ETFs), and slowly build up a diversied and balanced portfolio consisting of dierent risk and asset classes.

  • Preparing for Retirement

    Retirement might seem distant, but planning for it now is crucial. With the uncertainty surrounding the adequacy of CPF-Life and rising living costs, millennials need to take proactive steps to secure their future.

    Tip: Start contributing to a retirement fund early. You can even use retirement accounts like SRS or voluntarily contribute to CPF to benet from tax advantages.

  • Managing Lifestyle Inflation

    As income grows, it’s tempting to upgrade your lifestyle. While treating yourself is important, unchecked lifestyle ination can sabotage long-term nancial goals.

    Tip: Prioritize saving and investing before splurging. Adopt the 50/30/20 rule: allocate 50% of your income to needs, 30% to wants, and 20% to savings and debt repayment.

  • Protecting Your Assets

    Financial planning isn’t just about growth—it’s also about protection. Millennials oen overlook the importance of insurance and estate planning, since it can seem like a distant or “unlikely” situation. However, if the time ever comes for such a need, it's usually too late to plan

    Tip: Ensure you have adequate health, life, and disability insurance. As long as you own assets and insurance policies, consider doing your nominations and draing a simple will to protect your loved ones and assets.

Our Team

Our team is made up of skilled financial professionals who bring expertise, integrity, and a client-focused approach to every financial plan we create.

Clyde Chye

Financial Advisor, Chief Astronaut

Cristelle Lim

Financial Advisor, Creator of The Financial Mommy

Core Values

  • Integrity
  • Transparency
  • Dedication
Testimonials

Love from Clients

Clyde not only has a wealth of financial knowledge but also goes above and beyond to ensure I feel supported and understood. I’ve been consistently impressed by Clyde’s proactive approach and genuine care for my financial well-being. Clyde also possesses the ability to breakdown complex financial concepts to ease first timers into their long term financial planning.

Clyde possesses a strong understanding of financial planning and is able to simplify complex concepts, making it easier for anyone to follow. What distinguishes Clyde is his empathy and genuine care for his clients’ wellbeing. He takes the time to truly understand my concerns before offering personalized advice.

Met up with Clyde after he sent me a copy of his e-book and he has been very helpful with assisting in review of all my insurance plans and coming up with proposals by the 2nd meeting already! He knows his stuff well and truly has his client's wellbeing at heart. Would recommend speaking with him if you are looking for a Financial Advisor!