Growing money with meaning.
Zachary · Finexis Advisory
Financial planning for people who've already made the money — and are now thinking about what it's actually for.
Book a Discovery Call →Zachary
"Money without meaning is just a number. I've seen what it costs to chase wealth without purpose — burnout, broken relationships, a constant feeling of never enough. Worse, regrets. True wealth isn't about how much you make, but how well it serves the people you love."
Standing
Multi-year MDRT financial consultant
Zachary has been a Million Dollar Round Table® member from 2021 to 2026 — an international, independent standard recognizing financial professionals for consistent client service and professional development. He is an Advisory Manager at Finexis Advisory Pte Ltd, working with clients on retirement income design, wealth accumulation, and estate and legacy planning.
How we work
Three steps, no shortcuts.
01
Understand what "enough" means to you
Before any numbers, we define what security, freedom, and legacy actually look like for your life — not a generic retirement age.
02
Design the structure
Income, growth, protection, and liquidity, built to work together and to hold up when markets don’t cooperate.
03
Review, adjust, stay honest
Life changes. Markets change. We revisit the plan on a regular cadence, not just when something goes wrong.
Voices of clients
Trust, earned through the experience.
“Zachary helped me consolidate a portfolio I’d built up piecemeal over the years, reduced my charges significantly, and gave me a clear strategy toward retirement — with the potential to retire 10 years earlier.”
Carmen Ho
Mother of 3, ASP at ICA
“He optimized my existing insurance portfolio — lower premiums, higher coverage, and cash freed up to start investing. He also helped reorganize my parents’ finances so they could retire comfortably, years earlier than planned.”
Jonathan Gan
General Manager, DG Packaging Pte Ltd
“Diligent, transparent, and honest. Zachary reworked my insurance portfolio to lower premiums, increase coverage, and free up capital — my whole family are now his clients.”
Dr Paul Tan
Ang Mo Kio Medical Centre
Individual client experiences shared with permission. Results reflect each client's own circumstances and are not a guarantee of outcomes for future clients.
Recent thinking
Insights
Estate & Legacy
A Will Is Not a Legacy Plan
Most executives have a will. Very few have thought through what actually happens to the people they love in the weeks after they're gone.
Read the piece →Retirement & Wealth
Retirement Savings Isn't the Same as Retirement Income
Most people plan for a number. Few plan for a paycheque. Here's why that gap matters more than the size of your nest egg.
Read the piece →A simple first step
Let's talk about what your money is actually for.
A 30-minute conversation. No pitch deck, no pressure — just a clear look at where you stand.
Book a Discovery Call