• Business owners
• IT Managers
• IT Consultants
• Teachers
• Engineers
• Students
• Retirees
• Directors
• Radiographers
• Airline cabin crews
• Actuarial consultants
• Vice-Presidents
• Accountants
• Restaurant Supervisors
• Weather forecasters
• National Servicemen
• Editors
• Police officer

• R&D Engineers
• Prison Officers
• Lab Technologist
• Risk management (banks)
• QA/Process Managers
• Analysts
• Salespersons
• Contractors
• Civil Engineers
• Pharmacists
• Legal counsels
• Commercial pilots
• Salvage divers
• Auditors
• Housewives 
• Finance manager
• Lecturers
• Tax Consultants

"As one of the few financial planners in Singapore who is fee-based, Wilfred is a very natural choice for us as we’ve always felt that commission based financial planners have severe conflict of interests. We've also felt that insurance agents who push their products on us never take reality into consideration and thus always make inaccurate recommendations especially when it comes to the amount of insurance that we need for our family of 4. Wilfred is very professional in his dealings with us. He reviewed our entire financial situation and was circumspect even when reviewing the duds in our investment portfolio. He was able to explain clearly and rationalize how he developed our Financial Planning Report. He gave us the peace of mind that we’re almost adequately insured, provided us with the next steps and simplified our investment portfolio which had grown unmanageable over the past years. He was patient when we were comparing insurance policies and pointed out the pros and cons of each policy. Even when we made funny requests, he accommodated us readily. We look forward to working with Wilfred in the years to come. "(26 March 2010)

Mr and Mrs C.T. Tay (First saw Wilfred on Nov 2009)

"I have worked with Wilfred over the last 1 year and he has helped me with insurance, investment and lately tax planning. I see Wilfred as a trusted partner on wealth planning and acquisition. He listens to needs well, keeps up-to-date with the market and assesses every situation objectively. His solution based approach takes away the pain of planning and allows me to focus my mind and energy on reaching my goals. I look forward to working with Wilfred in the years to come and wish more people can experience his service." (30 September 2009)

Mr. James Chen who first saw Wilfred on February 2009

"Wilfred is a specialist in his own field and worth having as an advisor to guide you through the turbulent monetary environment that we find ourselves in. Wilfred really knows his stuff. His advice has been sound, objective and readily available. I feel now that there is a way for me to improve my financial portfolio to provide me with more security and peace of mind.

Well done, Wilfred!" (15 September 2009)

Ms L.K. Koh, a tax consultant who first saw Wilfred on September 2009

Mr. Alexander Mucha, a businessowner who first saw Wilfred on February 2009.

"Mr Wilfred Ling should be considered as one of the rare financial professionals because he does not simply recommend or sell any financial products that are hot in the market to his clients.

I knew Wilfred even before he made a drastic change in his career from a highly qualified engineer in an established company to an Independent Financial Adviser in Promiseland. Before he made this change, he has already demonstrated his critical and impressive ability in investment and insurance matters. So it was no surprise when he decided to take the plunge, leaving his comfort zone behind to pursue his interest and calling.

I am a conservative person. So preservation of my money may be my top prority. Wilfred will usually update me via email whenever there are such suitable financial products in the market. He does not start calling or pressing me to buy them. Instead, he leaves the decision to his clients and always reply promptly with his unbiased views, should I asked for further advice or information.

Recently, Wilfred has managed to arrange a special service on Will Writing for his clients. Making a will, though may be part of financial planning, is not his forte. However, we all know that it is extremely important to have a will written because it is the voice or intention of a dead person. He does not hesitate to provide such additional service to his clients. This has again demonstrated his willingness to serve only the best to his clients." (10 July 2009) 

Ms Jasmin Lim, an admin staff

 “Wilfred has been my financial advisor for more than 2 years, since I started working as a fresh graduate. One of his best traits is his honesty and ability to provide fair and sound advice to each individual, based not on the amount of earnings he can get with each policy he manages to sell, but on each client's needs and interests. He is passionate about his job, and shows great responsibility in responding to client's requests and queries. I enjoy working with Wilfred and trust that my plans will be in good hands under his care.” (23 April 2009)

Ms Woo Qiao Ling,  an Analyst (Risk Management) who first met Wilfred on September 2006. 

 "If you are looking for a financial advisor who has strong willingness to understand your goals, answer your questions and concerns patiently and professionally, explain and go through with you his intended strategies in detail to reach the financial goals you have set out, Wilfred Ling is strongly recommended. I was very glad and pleased that he called and reminded me that it’s time to review my portfolio; he is certainly reliable, looks out for client’s interest and committed." (18 January 2009)

Ms Elly Lee, an air stewardess who first saw Wilfred on April 2007.

 "I've approached Wilfred after reading about his views towards personal protection. After our 1st meeting, I was impressed with the way he presented my viable options, and never tried to push-sell any products, allowing me to make the final decisions.  His after-sales services has been excellent, and I strongly encourage those who need sound insurance advice to engage him as your IFA." (8 January 2009)

Mr. Wong Keng Meng, a Financial Services Manager who first met Wilfred on April 2007.

"I approached Wilfred 2 years ago when i was still a NSF to review the insurance coverage for my family. He is very patient and professional as he explained to us on all our existing insurance products although these were not bought from him. As a competent IFA , he was also able to explain to us every detail and make comparison between various products of the similar class. He is also very transparent in explaining to us the pros and cons of each product. His excellent advice and after-sales service provided us lots of assurance and help when there were some insurance claims a few months ago. Overall, I rate him as the best financial adviser that my whole family had met till now." (5 January 2009)

Mr. Kevin Ng Hong Wei, a National Serviceman who first met Wilfred on March 2007 

"One of my best friends introduced me to Wilfred, whom I found to be professional and extremely patient with my queries. More importantly, he was not in the least 'pushy', unlike some other financial advisers/agents whom I had known. He gave frank and valuable advice on the types of policies I require, and those I do not need at this moment. I'll certainly recommend Wilfred to anyone who requires financial advice." (5 January 2009)

Mr. Jason Lee, an editor who first met Wilfred on November 2008. 

 "I was heading overseas for studies and needed to sort out my insurance policies before I left. Reading through Wilfred's blog I sensed his dedication towards serving his client's best interests and decided to consult with him. I have found Wilfred to be an exemplary advisor: he is patient, knowledgeable and willing to explain in detail the pros and cons of each product he recommends in order to help his client make an informed decision. I strongly recommend Wilfred to anyone who is in need of financial planning advice." (4 January 2009)

Ms Mok, a post-graduate student who first met Wilfred on March 2007. 

 "I first learnt about Wilfred through a forum. After combing his blog archive, I realized Wilfred was a breath of fresh air. Unlike other advisers I've met who are pushy, relentlessly irritating, and usually armed with recommendations for ILPs, Wilfred understood my needs and advised cost-saving policies to meet my protection needs. I'm very pleased to have met Wilfred whose service and advice is exemplary of a professional. More than that, he is someone I trust to genuinely look after my interests." (1 January 2009)

Ms Sherry Tan, a teacher who first met Wilfred on September 2008. 

 "Wilfred was introduced to me by a friend. I find him to be very knowledgeable and approachable. He provides satisfactory and easily understood explanations. I have confidence in his professionalism, expertise and integrity. Thus far, I am very happy with his financial advice and will definitely continue to engage his services." (1 January 2009)

Mr. Lee Kin Hoe, an actuarial consultant who first saw Wilfred on December 2007.

 “Wilfred is very sincere and he always tries to understand my needs before making any financial recommendations. If you want to make big decisions regarding your financial life, you need an adviser who can put your interests first, Wilfred is such an adviser. I am confident that all my insurance and investment are in the right hands because these were recommended after doing comprehensive analysis. I wished I met him earlier, as I could have avoided making some mistakes in my earlier working life. Thanks for being there for me, not only as advisor, but also as a teacher and friend.” (1 January 2009)

Mr. Budiyanto Darmawan, an IT professional who first saw Wilfred on May 2006

"Wilfred has been my IFA for a few years. So far I have engaged him in reviewing and/or selecting insurance coverage. I am more than satisfied with the service he has provided. I find him to be honest, forthright and efficient. He is always willing to clarify any queries I have." (30 December 2008)

Mr. Ng Hong Joon, an actuarial consultant who first saw Wilfred on Oct 2006.  

"I am impressed by Wilfred's thoroughness and patience. He not only provided an all-inclusive insurance solution while saving me a bundle in unnecessary premiums but he made sure to tailor the coverage to my needs. Wilfred is now managing my investments as well. I feel secure knowing that I've found a financial advisor who genuinely looks out for my financial interests and aspirations." (27 December 2008)

Ms Norlizah binte Abdul Wahab, an enrichment center teacher who first saw Wilfred on September 2007.

"I engaged the fee-based service from Wilfred to look at my existing investments and to construct a diversified portfolio. He analyzed my existing holdings and recommended a portfolio consisting mostly of index funds. The usage of a Trust to protect my assets from potential future creditors was also recommended. With the 33 pages report he did for me, I now come to know of the various instruments which previously was not known to me. The fee I paid was value for money." (7 August 2008)

Mr. Cheng, a businessowner who first saw Wilfred on July 2008.

"I'm not a financial expert so it's good to have a professional develop a plan for my investments. Through a fee-based investment plan consisting 14 hours of work, Wilfred was able to provide financial advice that was useful, if not educational." (24 June 2008)  

Ms Wong, a teacher who first saw Wilfred on June 2008.