Financial Adviser · Singapore
I'm Nicholas Tan. I help Singaporeans and their families protect what they've built, invest sensibly, and plan for the years ahead, so the future feels stable and secure instead of stressful. Plain language, at your pace.
“He was able to customise and meet my requirements, while giving excellent advice on what I should look for and be mindful of, which would otherwise have fallen through the cracks.”
— Phyo Thi H***, via Google · Read all reviews on Google →
About Nicholas
I became a financial adviser because good advice shouldn't be reserved for people who already have it figured out. Most of the people I work with are busy building careers, raising families, or caring for parents, and their finances have quietly grown complicated in the background.
My work is to make it simple again: understand where you are, be honest about the gaps, and put a plan in place you actually understand. No jargon and no pressure to buy. Just clear thinking about protection, investments, and retirement, and the steady peace of mind that comes from finally having a plan.
Increasingly, that means helping people prepare to age well without a spouse or children to depend on. It's a group I care about deeply and plan for deliberately.
To confirm: any personal lines you'd like woven in here.
Nicholas Tan
My story
Click through the moments that shaped how I practise.
2015 · Where it began
My journey started in 2015. Some of my friends were joining the industry as student advisers while we were still in school, and I was drawn in by the glitz, the glamour, the profession. I thought, “Hey, maybe let's give this a try. Three years from now, if I don't make it, it's okay — I can leave.”
The first three years · Early luck
In those first three years, I was lucky. I had the support of friends and family, and I started to think this sales industry might actually work out for me. I even made the fatal mistake of believing it was just a numbers game.
The turning point
Then came the first major claim of my career. Not for a stranger, not for a client, but for my own mum. The first time filling in a claim form. The first time seeing a loved one in palliative care.
Around the same time, my own emotions in the markets cost me. I bought high and sold low, driven by fear and a lack of expectation management, and took significant losses.
What changed
Dealing with the emotions and the claims paperwork took a real toll on me. But going through it gave meaning to the industry I'm in. It stopped being about numbers and targets. It became about education, frameworks, and communicating in a way that genuinely helps.
Today
Today I lead a practice that puts the client's life situation first. Putting myself in their shoes and understanding what they're going through is what gives my work meaning, long before any plan or product is ever recommended.
Every client conversation I have, and every referral I receive, is testimony that I've done good work in touching their lives. And I'm ready to do more.
How I help
Most people come to me with a single question and leave with a plan that connects all of it, plus the stability of knowing it's finally handled. Here's where that usually starts.
Life, critical illness, hospitalisation, and income protection, sized to your real obligations so an unexpected event doesn't undo years of work.
Building and reviewing an investment approach that matches your goals and risk appetite, and keeping it on track as life changes.
Turning CPF, savings, and investments into a picture of what retirement income actually looks like, then closing the gap while there's time.
A single, honest look across everything you already hold, surfacing overlaps, gaps, and money quietly working against you.
A special focus
I work with Singaporeans from every walk of life, but there's one group I think about most: those who won't have a spouse or children to lean on later on. Single, divorced, widowed, or child-free by choice, more of us are planning to age independently than ever before. If that's you, you deserve an adviser who plans for it on purpose, not as an afterthought, so you can face the years ahead with genuine peace of mind.
Let's plan it togetherIncome designed to last without family to fall back on. We make the most of CPF LIFE and build a drawdown you can rely on for the long haul.
Planning ahead for long-term care, from CareShield Life to private options, so a health event later in life doesn't catch you financially unprepared.
The groundwork that matters most when you're on your own: a Lasting Power of Attorney, clear decision-makers, and your wishes properly documented.
What to expect
The way I work is different from most advisers. I won't pitch you anything in the first meeting, or the second. We take the time to get it right, and most clients tell me no one has ever done that for them before.
We spend this meeting understanding you as a person, not a balance sheet. What you actually want from life, and why.
I come back with your full picture, so by the end you understand exactly where you stand today.
Only now do recommendations appear, and each one is tied to a specific gap in your plan, in plain English.
And it doesn't stop there. We meet again each year for a written progress review, so your plan keeps pace with your life.
Client stories
Three real, anonymised examples of how the right plan turns worry into stability and lasting peace of mind.
Real client situations, anonymised, with names and identifying details removed to protect privacy. They are not testimonials and do not represent guaranteed outcomes; individual circumstances and results vary, and any recommendation depends on a full fact-find.
In their words
Verified reviews from clients on Google.
“Nicholas has been patient from the beginning, meeting me where I am and cleaning up my financial portfolio. I really appreciate the half-yearly reviews, especially in the midst of my career change, to help with expenditure planning. I've recommended him to colleagues who wanted advice too!”
“Super responsive, patient, and explained everything clearly. Really appreciate the professionalism and the smooth process. Highly recommended!”
“I was introduced by my relatives, and I'll admit I was a little skeptical at the start. But his ability to break down technical financial terms in a way that's easy to understand has been extremely helpful in planning my future. Consistently professional, patient, and approachable.”
Note: reviews are excerpted from your real Google reviews, with surnames masked and firm names removed per your instructions.
Credentials
Note: only verifiable facts are shown, and MDRT / COT / TOT are omitted (they're goals, not attained accolades). Your MAS Representative No. TXN300310010 appears in the footer disclosure.
Articles
Short, practical reads on protection, CPF, investing, and planning, written to be genuinely useful whether or not we ever work together.
A simple way to size your cover around income, debt, and the people who depend on you, without over-buying.
Read →How your payouts work, the three plans, retirement sums, and when a top-up genuinely makes sense.
Read →Before the renovation loan and new commitments pile up, a quick checklist to keep your finances steady.
Read →These three are real, full articles (open on the deployed site, or the article files under website/public/articles/). I can keep publishing more on a schedule via your Content Creation pipeline — just tell me the cadence.
Referrals
The biggest compliment I receive is an introduction to someone you care about. If a friend or family member could use an honest second opinion on their finances, I'd be glad to help. No obligation, no hard sell.
Get in touch
No cost and no obligation, just a chance to see whether I can help. Reach me whichever way suits you.
To supply: your YouTube channel URL (you mentioned it isn't created yet — I'll link it the moment it is). Instagram is wired to @nicholastanxt.