Wealth Strategy · Singapore

Your money should work
as hard as you do.

I help working professionals and business owners in Singapore grow their wealth, protect their income, and retire on their own terms.

Start a Conversation See My Approach
7-8%* Target annual growth
$2-5K* Monthly dividend income
5-10 yr Earlier retirement

About

I invest my own money.
Then I advise on yours.

Most advisers tell you what to do with your money. I do it with mine first. I actively invest in stocks, property, and businesses. When I sit across the table from you, I am sharing what I practice... not what I read in a textbook.

I also run an AI agency, Lumora Pte Ltd. So when a business owner tells me about cash flow pressure, idle corporate funds, or the fear of one bad year wiping out everything... I get it. I live it.

I advise on investments, insurance, retirement planning, estate planning, keyman coverage, and group insurance. Full suite, one relationship.

Practising Investor

Stocks, property, businesses. I invest my own capital alongside advising yours.

Business Owner

I run Lumora, an AI agency. I understand corporate structures, surplus cash, and keyman risk.

Property Expertise

I invest in property and share insights. Most advisers avoid this topic entirely.

Full Suite

Investment, insurance, retirement, education, legacy, keyman, group coverage. One adviser.

My Approach

The S.H.I.F.T. Method

A 5-step wealth system. Not a product pitch. Every client starts here, so we build on a foundation... not a guess.

S

Snapshot

Assess your current financial position. Where you stand today, with full clarity. No assumptions.

H

Heal

Clear bad debt and fix cash leaks. Before we build wealth, we stop the bleeding.

I

Insure

Build protection so one bad event does not wipe out everything. Medical, income, critical illness.

F

Flow

Build cash flow with income-generating investments. Growth with downside protection.

T

Transfer

Plan retirement income, estate, and legacy. Make sure your wealth outlasts you.

Services

What I Help With

Investment

Grow your wealth at 7-8% per year*, compounding over 10-20 years, instead of leaving it in the bank at 0.05%. The difference after 20 years on $100K is over $200K.*

Insurance & Protection

Eliminate the headache of unexpected medical incidents and ensure you are covered for up to 60 months without income if something happens.*

Retirement

Retire 5 to 10 years earlier than planned by closing the gap between your CPF projections and what you need.*

Education

Secure your children's overseas education by building a fund that grows at 7-8% annually*, so tuition fees are covered without touching retirement savings.

Legacy & Estate

Protect and transfer your wealth to the next generation with a proper estate plan, reducing the risk of assets being frozen or disputed to zero.

Corporate & Business

Put idle business cash to work by generating dividend income from surplus funds, instead of letting it sit earning nothing.* Keyman and partnership coverage included.

Who I Help

Is This You?

Mid-Career Professional

You earn well but your savings sit idle. Conflicting opinions leave you overwhelmed. You want a plan you trust... one you stick to even when markets drop.

  • Savings losing to inflation
  • Fear of making wrong investment decisions
  • No clear plan for children's education
  • Want steady growth, not speculation

"You don't need the highest returns. You need a plan you stick to, even when markets are bad."

Pre-Retirement Executive

You have 5-10 years left. CPF projections show it won't be enough. You want to stop working with dignity... but you are not sure the numbers add up.

  • CPF won't cover retirement lifestyle
  • No clear passive income plan
  • Worried about being a burden on children
  • Want to retire 3-5 years earlier

"You've worked hard for 30 years. The question isn't whether you deserve to retire well. It's whether your money is set up to let you."

Business Owner

All your wealth is tied up in the business. One bad year and everything is at risk. You want to build wealth outside the business that runs independently.

  • Idle cash in business accounts earning nothing
  • No keyman coverage... business dies if you do
  • All eggs in one basket
  • Need an adviser who understands running a business

"Most advisors tell you to save more. I help you make business cash and personal wealth work together... because I run a business too."

Let's have a conversation.

No pitch, no pressure. I will listen to where you are, where you want to go, and tell you honestly if I am the right person to help. 20 minutes.

Message Me on Telegram

Or reach me at umar@umaryusof.com

* All figures, percentages, and projections referenced on this website are for illustrative purposes only and are based on past performance. Past performance is not indicative of future performance. Actual results will vary depending on individual circumstances, market conditions, and the specific products or strategies selected. This website does not constitute an offer, solicitation, or recommendation to buy or sell any financial product. Please consult a qualified adviser before making any financial decisions.