Bespoke financial advisory solutions for Singapore residents, expats, and foreign professionals. Let us design, execute, and safeguard your wealth legacy.
LINC Wealth Advisers is an elite team of licensed professionals delivering personalized financial planning services in Singapore. As representatives of Synergy Financial Advisers, we have access to open-architecture investment, protection, and legacy tools across the globe.
We are uniquely positioned to navigate the complexities of the Singapore regulatory landscape, cross-border expatriate planning, and multi-generational estate distribution. We build relationships on integrity, objective data, and lifelong partnership.
Fully MAS-regulated advisers representing Synergy Financial Advisers.
A diverse team specializing in local resident and international expat advisory.
Empowering you with objective guidance to make critical financial decisions with confidence.
We analyze your risk tolerance and goals to create a diversified, low-cost asset strategy that scales with market opportunities.
Whether retiring in Singapore, Europe, or Australia, we structure tax-efficient CPF, SRS, and pension assets to secure your ideal lifestyle.
Specialized advisory handling international asset transfer, offshore trusts, dual tax status, and expat home financing.
Protect your family from the unexpected. We compare comprehensive private health plans and term/whole-life cover across major insurers.
Plan for your children’s and grandchildren's university tuition fees with dedicated investment vehicles that mature when needed.
Secure your estate with legal structures (Wills, Lasting Power of Attorney, and Trusts) to ensure smooth asset transition and Shariah-compliant distributions.
Without active estate planning, the distribution of your assets is dictated by Singapore's default statutory framework. Under the Intestate Succession Act, your estate is divided using a rigid government formula that may not reflect your wishes and can lead to costly probate delays for your family.
A comprehensive legacy plan goes beyond writing a Will to secure your estate during your lifetime and beyond:
Appoint trusted executors and outline exactly how your savings, property, and personal assets are distributed, including designating guardians for minor children.
Appoint decision-makers to manage your welfare and financial affairs under the Mental Capacity Act if you ever lose mental capacity.
Create asset-holding trusts to protect your wealth from business creditors and manage structures for multi-generational wealth preservation.
Licensed wealth managers committed to protecting and growing your capital with institutional rigor.
Originally from San Francisco, Rainer spent 13 years in corporate banking in Germany before moving to Singapore in 2005. Specializing in risk management, international tax assets, and high-net-worth portfolios, he launched Linc Wealth Advisers in 2020. Fluent in German.
Over a decade of independent financial planning experience. Farhan provides a holistic approach to wealth accumulation, specializing in estate planning, Will and Trust frameworks, Lasting Power of Attorney, and specialized Syariah legacy distribution (Faraid, Wasiat, Hibah) for Muslim clients.
Umar is an MDRT achiever specializing in personal retirement planning, asset structuring, and business succession. His systematic advisory model simplifies complex financial vehicles, empowering business owners to build resilient long-term capital plans.
Hailing from Germany and educated in South Africa and Australia, Oliver has 30 years of institutional banking and capital markets experience. He focuses on low-cost wealth structures, disrupting traditional retail models to pass higher yields directly to clients.
Gerald is a Relationship Manager with Linc Wealth Advisers. He facilitates strategic thinking using the LEGO® SERIOUS PLAY® Method and helps individuals and business owners manage financial risks and transfer their legacy with clarity and confidence.
A management graduate of Australia’s Murdoch University. As Office Manager, Aisha supports the team in all administrative matters as well as PA, HR, and back-office functions. Outside of work, Aisha loves the outdoors, nature, and photography.
Answers to common queries about estate distributions, wills, and LPA regulations in Singapore.
If you die without a Will (intestate) in Singapore, your estate is distributed strictly according to the Intestate Succession Act (for non-Muslims). For example, if you have a spouse and children, your spouse receives 50% and the remaining 50% is divided equally among your children. It disregards custom family requirements and causes legal administration delays. For Muslim residents, AMLA Faraid rules determine splits.
An LPA is a legally binding document under Singapore's Mental Capacity Act that lets you appoint trusted individuals (donees) to manage your finances, property, and personal welfare if you lose mental capacity. Without a registered LPA, your bank accounts and assets will be frozen, requiring your family to go through expensive court deputy applications to access funds.
Yes. Expats residing in Singapore can (and should) draft local Wills to cover local assets, bank deposits, and properties to avoid cross-border inheritance disputes. LPAs can also be registered by expats to nominate local proxies for sudden medical or financial decisions in Singapore.
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