Apex Private Wealth Management – Experienced Financial Advisers in Singapore

2. COMPREHENSIVE FINANCIAL ADVICE & SERVICES Financial Planning is the process of meeting your life goals through proper management of your finances. It is necessary to improve the standard of living, decrease the probability of financial crisis, to protect your investments and to accumulate wealth over time. You can be assured that your needs will be met by our customised plan and personalised service. Our quality advice and services includes, but is not limited to the followingareas: 1.WealthProtection 2.WealthAccumulation 3.WealthPreservation 4.WealthDistribution

3. The Apex Wealth Enhancer (AWE) is a complete, fully integrated finance software. financialplanningtoolsarebuilt around 4 pillars of financial suite innovative of Our management: protection, APEXWEALTH ENHANCER wealth preservasion and finally distribution, all built into one revolutionary software in building a complete financial plan for your life. Through the APEX 6 Step Process,our advisorswilldraft your blueprint and help through the finance maze. Sign up for a one now! accumulation, you navigate

4. CHILDREN TERTIARY EDUCATION PLANNING With the increase in tertiary education fees over the years, planning your child’s education in the future can be a daunting task. But the key to providing your child with the best education, is to plan in advance. Now, with the ever-rising education costs, the importance of planning ahead for your children to reach their full potential cannot be further emphasized enough. The APEX Wealth Enhancer (AWE) Tertiary Education Funding Module canhelp you in analysing the funding required, in mulitple countries of your choice!With every expensestaken into account, even inflation and airfare, many of our clients have benefited by having a clearer picture on what is the funding required for a top-notched education. Together with APEX,wecan provide you and your children to have an early head start even before they start schooling and planning of their educationfunds.

5. PERSONAL FINANCIAL ADVISORY

6. INSURANCE At APEX, we seek to only provide the most ideal insurancesolutionsfor yourneeds. The Apex Wealth Enhancer (AWE) Program has a RiskManagement Module that isunique asit isable to quantify the riskthat you are exposed to in terms of income protection and survival needs. With the AWE program, you can be assured that we got you covered. Need coverage but constrained by budget? Let us source the most suitable yet affordable plan. Specific needs for your life protection? We offer customised solutions because everyone is unique. Withus,youcansetyourmind at ease.

7. GENERAL INSURANCE SERVICES At Apex, we take care of all your insurance needs through life’s various milestones. Our suite of comprehensive general insurance plans allows us to offer you protection while you’re on holiday, on the road, at home and even when you least expect accidents and injury to happen. They say life happens when you’re busy making plans. Why not get all your plans covered by us – so you’re free to make the best of life happen.

8. INVESTMENT PLANNING Successful investing begins with setting out clear measurable goals. Investment planning is an important component of Financial Planning. Our life planning process will help you to identify your short, medium and long term financial goals. Investment planning is a process that begins when you are clear on your financial goals and objectives. Our Financial Planning process is designed to help you get clear on how to match your financial resources to your financial objectives. By helping you set out clear and measurable goals, we can match the most suitable mixture of investments to each specific goal in the most efficient way. From the outset it is important to build a strong foundation and as your circumstance change, we can help you make any necessary adjustments to keep you on track.

9. LEGACY PLANNING Some of us are not awareof the adverse consequences of not having avalid will when we pass on whereas the rest of us are simply procrastinating. A clearly written will is another form of reassurance for your loved ones. It shows that you care for them and enablesyoutopasson your lastinstructionsto them. Writingawillisanimportantandyetoftenneglectedpartof financialplanning.AtApex, weworkwithlawfirmsandTrustcompaniestorefer willwritingservicesor settingup a Trust.Showyour loveonesthatyoucarefor them.Contactusfor more information.

10. RETIREMENT PLANNING Retirement issomething where most of us look forward to. But the question is, “Do you have enough to have a Golden Retirement?” In Singapore, even the Central Provident Fund (CPF) system needs more planning to supplement to your dream retirement. A well implemented retirement plan can help improve your retirement cashflow and they alsoprotect your most important assets.So be rest assured and let us help you to plan your retirement together while you enjoyyour fruitsof labour.

11. CORPORATE FINANCIAL ADVISORY

12. BUSINESS I N S U R A N C E We protect your company from any unexpected situation with our range plans: •Burglary •Combined GeneralLiability •Commercial AllRisks •ConsequentialLoss •Contractors & Erections AllRisks •Directors & OfficersInsurance •Equipment AllRisks •FidelityGuarantee •Fire •MarineInsurance •Money Insurance •Plateglass •Professional IndemnityInsurance •ProductsLiability •PublicLiability •Trade CreditInsurance •Work InjuryCompensation

13. BUSINESS SUCCESSION PLANNING What will happen to your business if one of the major shareholders were to pass away suddenly? Will you be prepared to welcome the demised shareholder’s spouse as partner? It is never too early to start thinking about your succession plan. Together with our partners, we work with you on having agreement in place. We provide for contingencies, and also to ensure smooth transition to your successor. your new business a shareholders'

14. C O R P O R A T E PENSI ON S C H E M E We retirement plans to multi-national companies and expatriates throughour investmentplatform. Our provider has helped many multi-national corporations set up and administer pension plans to achieve their HR objectives. We have over a decade’s experience in upgrading plans, transferring overseas plans to Singapore for tax and cost efficiency and establishing new arrangements to maximise human capital for our clients. Through innovative solutions and our unique position to offer a one-stop solution, you can attract, retain and reward top talentsequitably. specialise in delivering defined contribution employee

15. EMPLOYEE BENEFITS SCHEME Your employees are the drivers behind your business. We work with you to ensure protectionfor youremployees. We provide customised solutions Term Life, Corporate Medical Plans, Corporate Accident PlansCover. comprehensive pac kaged and Group for & Disability

16. BUSINESS KEYMAN PROTECTION Business protection planning aims to help ensure the continuation of the business by financially compensating a business for the death or disability of one or more of their key employees. A keyperson is anyone whose death or major illness or disability would have a serious effect on the business’ financial status and future profits; they are not necessarily a significant shareholder. The problems associated with the loss of a key person fall into one of the following four mainareas: Loss of profits Loanprotection Managementbuy-outs Soleproprietors We work with out clients to identify the problems and to provide appropriate productsolutions.

17. GOLDEN HANDCUFF We can help you retain your key assets by leveraging on insurance tools to accumulate a sizeable pension fund, while at the same time provide additional coverage on your key employees or their family members.

18. FOR MORE DETAILS AND INFORMATION KINDLY VISIT OUR WEBSITE: https://apexpwm.com.sg/our- services-3/

19. CONTACT US Apex PWM Pte Ltd Blk 261 Waterloo St, #02-08/09/27 Singapore 180261 141 Middle Rd #03-05 GSM Building Singapore 188976 112 Middle Rd #03-01 Midland House Singapore 188970 190 Middle Road #16-07 Singapore 188979 600 North Bridge Road #10-27 Parkview Square Singapore 188778 +65 9386 3371 admin.apexwealth@proinvest.com.sg