Selling products is not my main focus. My primary focus is on advising. Some clients have engaged me as a consultant to provide them with a second opinion whenever their advisers from banks and insurance companies approach them to purchase products. My duty is to provide them with an objective advice on those products. I am already compensated from the Retainer Fee and there is no conflict of interest.

Also clients do not need to “sack” their advisers when they engage me. They can continue to transact with other advisers while retaining me to give them an independent and objective advice.

This model has permitted me to advise clients on financial products that pay no commissions such as Exchange Traded Funds and Group Insurance.