Here’s How You Can
Fully Fund your Children’s University Fees Retire 5-7 Years Earlier
Without having to…
Put your kids in debt with student loans.
Take unnecessary investment risks.
Delay your own retirement.
I understand that everyone’s financial situation is unique. My approach is to craft tailored strategies for your protection, investment and retirement goals.
I’m here to simplify the complex world of finance, making those tough decisions easier for you, saving you time and providing peace of mind.
Over the last 10 years, after working with more than 200 families in Singapore, I’ve seen common concerns that come with parenthood.
Trying to figure it all out on your own
As a parent, work can get stressful and busy.
But the fear of not having enough lingers at the back of your mind.
Coming home after a long day at work, there are kids, housework and home responsibilities.
You then spent hours scouring the internet, reading online finance forums, comparing different investment products, entering numbers into your Excel spreadsheet… just to optimize your family finances.
- Your worry: ending up having to rely on low-interest savings accounts, or jump blindly into overly risky investments that may lead to heartbreak.
- Sounds exhausting?
The silent enemy : inflation
Inflation only comes about in two forms.
First, things get more expensive every year.
Second, the portion of food servings are getting smaller!
Do you remember back in the 1990s when a McDonald’s Filet-O-Fish value meal cost less than $3?
Today in 2024, the same meal now costs around $7.50! More than double!
- With each passing year, do you want to keep working hard for money?
- Or allow your money to work harder for you?
The pain of a large medical bill
In Singapore, there is a saying:
You can afford to die, but you can’t afford to fall sick!
A 2-hour private day surgery can be in the 5 digits.
An open heart surgery in a Government Hospital can be $60,000 or more (Screenshot of heart surgery).
Outpatient cancer treatment can total up to 6 digits every year.
All it takes is one unexpected medical bill, to derail even the best laid out plans.
- Can you risk falling sick?
What happens if nothing changes?
- Lost Time and Energy: Countless hours spent researching, analyzing, and second-guessing decisions.
- Education Fund Shortfall: The dream of sending your children to university might become a financial nightmare as rising tuition costs outpace your savings. You end up working well past your retirement age just to continue supporting your family.
- Wiped Out Savings: A serious health issue can drain your savings, and place unnecessary financial stress on the family.
As a father and the sole breadwinner for my family, the responsibility rests on my shoulders to ensure a good lifestyle for my wife and son.
I understand your concerns and struggles. Therefore, I am here to advise you in making WISE financial choices for your family.
The W.I.S.E Framework
Understand your goals, dreams and time frame.
I’ll help you to develop a proper sound strategy that safely grows your money towards achieving your goal, tailored specifically for your situation.
Your benefits:
- Access to best in class funds from globally renowned investment companies.
- Active portfolio management from our investment division with more than 40 years of combined experience.
- Quarterly updates from me and my team.
Discuss whether your existing insurances are adequate for your family needs.
The goal is to protect you financially by making sure an unexpected event doesn’t strain the family finances.
Your benefits:
- Comparisons across various insurance companies to provide you the best value in the market.
- Help you save on insurance premiums every year.
- Claims support from me and my team.
Financial planning should be simple, clear and easy to understand.
My practice revolves around strategies that are built to last, and withstand the test of time.
Your benefits:
- Recommendations that align with your needs.
- Make our planning journey straight forward, and be sustainable for the long run.
- My team and I will do the research, saving you time and energy.
Planning together is a journey. My commitment to you is a long term partnership.
We will review our strategy regularly, to ensure it adapts to match your needs, even as your life stage changes.
Your benefits:
- Policy summary to help you easily keep track of your plans.
- Annual strategic reviews to make sure you stay on track.
- Answering any of your questions and concerns.
What to expect overall when meeting me?
#1 Complimentary Meeting
Understand your financial situation, and assess how best to assist you.
#2 Scenario Planning
Using our advanced mapping financial software to visually show you various scenarios. From investment projections, education costs, CPF Life payouts and many more.
#3 All Value for You
To give you as much value during our meeting, so you walk away more informed, regardless whether you choose to engage my services.
No hard selling, no pressure tactics, no product pushing.
Your trust and satisfaction is my priority!
What to expect overall when meeting me?
#1 Complimentary Meeting
Understand your financial situation, and assess how best to assist you.
#2 Scenario Planning
Using our advanced mapping financial software to visually show you various scenarios. From investment projections, education costs, CPF Life payouts and many more.
#3 All Value for You
To give you as much value during our meeting, so you walk away more informed, regardless whether you choose to engage my services.
No hard selling, no pressure tactics, no product pushing.
Your trust and satisfaction is my priority!
Here’s a Bonus for You
Here’s a Bonus for You
Over the years, we may have heard differing opinions about money. Some were helpful information, some were half truths, and some were misconceptions stemming from a wrong belief.
A money misconception can be dangerous, it may have long lasting ripple effects that impact your finances for years.
Over the last decade, I’ve had the privilege of guiding more than 200 families through their financial journeys.
Learning from these experiences, I poured my heart and expertise into writing a book: 7 Money Misconceptions Singaporeans Don’t Realize.
7 Money
Misconceptions That Singaporeans Don't Realize
Does Property Investment Guarantee Wealth?
Relying on CPF Alone Is Sufficient to retire Comfortably
Investing Is Only for the Wealthy
Investing Is Risky and Just Like Gambling
Insurance Is Expensive and Unnecessary
Owning a Car Is a Sign of Social Status in Singapore
Financial Planning Is Too Complicated
Bonus Chapters Inside!
What My Clients Say
Matt has helped to bring me peace of mind and ensure my insurance concerns are covered from all angles.He is meticulous and caring, having helped me through some tricky claims and made it such an ease for me. Happy to have an adviser i can rely on!
Amanda
Bank Officer
I am very grateful for Matt, as I don’t want to be spending a lot of time trying to monitor the market, like what I had to do for my past investments. Matt’s help allows me now to focus my time on other things and gives me a sense of stability.
Dinah
Senior Manager
Matt was very patient and transparent. He did not try to push any sales that were to his own benefit. He patiently listened to my needs and presented in a very clear and systematic manner what was available in the market. He made me feel comfortable and at ease to trust him with my protection needs.
Alfred
Senior Program Manager
Matt is caring and patient. He is able to explain technical terms, and make it very simple to understand. He goes out of the way to consolidate all my insurance and investment policies, giving me a much clearer picture.
Betty
Retiree
Matt places my interest first, and provides a level of care that is rare in the financial industry. He comes highly recommended from family and friends!
Clarence
Business Owner
I was introduced to Matt by my friend, who strongly recommended him for his sound financial advice. Matt understands my concerns and requirements and helped me even when I had issues with my medical claims.
Selva
Retired Superintendent
I trust Matt, as over the years I have seen a huge growth in my capital and my investments doing well. He also makes our meeting flow smoothly, and I find his service helpful compared to trying to scour the information on the internet myself.
Rasesh
Engineer
Matt has recommended me the correct investments to grow my money, and I feel very good with the investment performances.
Khairul
Technician
Matt is someone who truly listens and understands. I now have a clearer overview of my financial portfolio, which he summarizes for me regularly. My investments are growing steadily, and I feel secure knowing that my plans are adjusted based on market conditions.
Siew Li
Director
Matt is my good friend when it comes to planning for my future. His expertise, personalized service and dedication has been a great help to me. For anyone seeking a knowledgeable and trustworthy adviser, I highly recommend Matt.
Cheok Mun & Cheryl
Compliance Officer and Marketing Exec
Matt is very friendly and professional. I appreciate that he is detailed and gave me comprehensive explanation of the insurance policy. I would say his service is excellent, and he walks the extra mile.
Lydia
Researcher
Matt is a very pleasant and genuine person. He does not try to oversell at all. Even when we asked him a lot of questions, he gave us useful facts to help us make informed decisions. We appreciate him following up well to ensure the applications were done smoothly and timely.
Nishank and Apoorva
Tennis Coach and HR Manager
I feel one of the greatest challenges is not knowing where to start. Compared to other advisers whom I met before that only focus on individual products, one thing that sets Matt apart is he focuses on listening to my concerns well. Matt helps to piece together all these different moving parts, and helps me better understand when I can retire, and what I should be looking out for in numeric terms.
Keng Taan
Chief Digital Officer
Matt supported me greatly with the claiming process! He was very responsive and clear to all my questions, and even liaised directly with the doctor’s clinic, helping me immensely.”
Matt’s expertise, professionalism and his ability to communicate his knowledge in a very clear and understandable way make him a great advisor to me. I also very much appreciate his honesty and transparency!
Yannick
Software Engineer
Matt supported me greatly with the claiming process! He was very responsive and clear to all my questions, and even liaised directly with the doctor’s clinic, helping me immensely.”
Matt’s expertise, professionalism and his ability to communicate his knowledge in a very clear and understandable way make him a great advisor to me. I also very much appreciate his honesty and transparency!
Yannick
Software Engineer
What Others Have to Say
"Matt's level of care and dedication is truly rare in the financial industry, that's why he's a rare gem!"
Matt helps me feel secure knowing that my plans are adjusted based on market conditions”
“Matt’s approach is thorough, transparent and client-focused, which I find different from other consultants”
"I'm more at peace knowing that my family and I will be covered in case anything happens to me"
About me
Hi there! I’m Mattheus and over the last 10 years, I’ve helped more than 200 families to grow their savings in a safe, sustainable way, while also allowing them to have peace of mind with the right planning.
In my freetime, I enjoy evening jogs through Punggol Park Connector, relaxing at home with a good book, the occasional computer game with some friends, or spending quality time with my wife and son.
These moments remind me of what truly matters—the same things I help my clients protect and grow!
About me
Hi there! I’m Mattheus and over the last 10 years, I’ve helped more than 200 families to grow their savings in a safe, sustainable way, while also allowing them to have peace of mind with the right planning.
In my freetime, I enjoy evening jogs through Punggol Park Connector, relaxing at home with a good book, the occasional computer game with some friends, or spending quality time with my wife and son.
These moments remind me of what truly matters—the same things I help my clients protect and grow!
My Values
Your Story First
I listen to understand your unique situation. Your goals and motivations are important in creating the right plan for you.
Integrity and Follow Through
My background as a Singapore Armed Forces (SAF) Commando Officer taught me to lead by example. I apply these values when working with my clients, to ensure a high level of competency, and making sure I get them the results they desire.
Clear and No Pressure
My desire is to make financial concepts simple, so you can feel comfortable understanding finance without being overwhelmed by technicalities or numbers.
Why Work with Mattheus?
Find you the best value, with our All-in-One solutions.
Grow your money, safely and securely.
Create additional monthly income streams.
Keep your loved ones safe.
It's all about you!
Watch Common Questions Answered on Video Podcasts
Frequently Asked Questions
Do we have to pay for consultations ?
All consultations with me are complimentary. If you have a genuine need for my services, it would be an honour to serve you.
How do you normally earn ?
earn a commission from any recommendations that are implemented.
If there are any recommendations from an insurance company: the insurance companies pay me directly, with no additional cost to you.
If there are any recommendations from an investment fund house: sales charge, advisory fees, platform fees may apply, which I will clearly highlight to you. These fees are there as we will spend the time, energy and research helping you select the top investments globally, and create an ideal model portfolio that suit your needs. Additionally, we will help to monitor it and rebalance on a regular basis, regardless of market condition.
Let us do the hard work for you, so you can spend time on the things you truly enjoy.
All consultations with me are complimentary. If you have a genuine need for my services, it would be an honour to serve you.
Will there be any conflict of interest ?
My commitment to you, whether you’re a current or potential client, is simple:
I’m here to help you find what you’re looking for.
It’s a journey we’ll take together. Your trust and satisfaction are my top priorities. Any recommendations I suggest will be based on our discussions and what you’re comfortable with
My promise is I won’t recommend something just because it gives me a higher commission. Your interests always come first in our partnership. I value a long term working relationship together, over a short-term commission. I’m here for the long haul.
What if I am not ready to engage your services?
That is totally ok, I understand that everyone has their own time to make decisions.
Rest assured, my role is to help any potential clients feel heard, valued and understood.
As a consumer myself, I don’t like over promises and product pushing.
“Don’t do unto others what you don’t want done unto you – Confucius”
Everyone’s situation is different, and our very first interaction is to see if we are comfortable working together.
It’s just like dating! It takes two hands to clap. If it’s important to you, it’s equally important to me in doing a good job to assist you in finding what you might be looking for.
What if I am not a parent myself ?
That’s totally fine! I will still do my best to serve you and see what ways I can possibly assist you with.
I will work together with you, at your current life stage, and plan based on your situation. The reason why I can relate with parents is this: As a Dad with a young son at home, I understand the challenges, the concerns that parents have when it comes to financial planning.
As the sole breadwinner of my family, I know that having to support a few mouths and manage the family finances is not easy!
All parents want the very best for their children. Yet time is precious, and we can never turn back the clock once it has passed.
If you can outsource certain activities to a professional to assist you, why not do that, so you can focus on things that you truly enjoy doing, like hobbies and spending quality time with your family.
Mattheus Yeo is part of Team Eagle, which is an advisory group of IPP Financial Advisers.
The views and opinions expressed by Mattheus on his page and social media channels are his own, and do not constitute any form of financial advice from him or IPP Financial Advisers.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
