Wealth That Works Across Every Part of Your Life, and Every Border You Cross
You didn't build what you have by accident. But most of it is probably sitting in separate places: an insurance policy here, a CPF account there, a property overseas, a business you haven't formally protected. TereGroyon brings it under one coordinated plan.
Three Conversations, One Coordinated Plan
Grow & Protect Your Wealth
Wealth that crosses borders needs to be built, currency-proofed, and taxed intelligently, as one system, not three separate decisions.
Global Investment Strategies
Access to international fund houses and asset managers, not just what's available on a single local shelf, so your portfolio reflects where your life actually is.
Multi-Currency Wealth Management
If you earn, spend, and hold assets in different currencies, currency risk is already part of your picture. We structure your wealth so it works for you, not against you.
Tax Efficient Planning
We review how your income, CPF, and investments interact so you're not paying more than Singapore's tax framework actually requires.
Plan for What's Next
A will, a trust, and a retirement plan aren't three separate errands. They're one plan for the years and people that come after this one.
Estate Planning
Wills, Lasting Powers of Attorney, and trust structures coordinated as one plan, so the people you care about are provided for exactly as you intend.
Trust and Wills
From a simple will to a trust that protects a child's inheritance, we help you decide which structure, or combination, actually fits your family.
Retirement Planning
CPF LIFE gives you a lifelong income floor, but for most people it's the floor, not the full plan. We build the layer on top: Retirement Account, SRS, investments, and property, working together.
Protect Your Business & Family
What you've built only stays yours if it's actually protected: separate from you, on paper, before it needs to be.
Business Owners' Solutions
We help business owners separate personal and business risk, protect key people, and put continuity plans in place before they're needed.
Business and Personal Succession Planning
A plan on paper for your business and your family, decided by you, while you're still the one setting the terms.
International Health and Life Insurance
Health and life coverage that holds up wherever you're treated: Singapore, back home, or in between, reviewed as your life changes.
The Global Gateway: Beyond the Numbers, Into the Logistics of Living Cross-Border
Managing money across borders is only half the picture. The Global Gateway is where TereGroyon's cross-border wealth management work extends into the practical side of building and living a life that spans more than one country: starting a business here, or accessing world-class care here, without having to coordinate it all yourself.
Cross-Border Wealth Management
The through-line connecting every service on this page: coordinating wealth, protection, and planning for a life that isn't confined to one country.
Business Incorporation Consulting
Singapore allows 100% foreign ownership. We manage the process through our incorporation partner, from filing through the ongoing coordination that follows.
Medical Concierge Consulting
Coordinating appointments, access, and logistics with our medical concierge partner, so healthcare decisions can be made on their merits.
Which of This Is Already on Your Mind?
If you've read this far, something on this page is probably already a question you've been sitting with. That's usually where the first conversation starts.
One Plan. Every Part of Your Life Accounted For.
Clients who work with TereGroyon stop managing money in pieces. Investments, protection, estate plans, and, where it applies, the practical side of living across borders, all reviewed together, against one coordinated plan.
The Cost of Staying Reactive
Nothing dramatic happens when a plan stays scattered. That's exactly the problem. It just quietly costs more, takes longer to untangle, and leaves more to chance than it needs to, for as long as it stays that way.
Common Questions
Even experienced, financially savvy investors often bring in an advisor once their finances cross borders. Currency exposure, multiple tax systems, and structuring a portable portfolio add complexity that's easy to underweight alone. If your finances are still fairly simple and you have the time and interest to manage them yourself, that's a fair reason to wait.
If you earn, spend, and hold assets in different currencies, movement between those currencies can add to or erode your returns, independent of how your underlying investments actually perform. A cross-border strategy accounts for that directly rather than treating it as background noise.
No. CPF savings sit outside your estate and pass through a separate CPF Nomination filed directly with the CPF Board, not through your will. Without a nomination on file, your CPF savings are distributed by the Public Trustee under Singapore's intestacy rules, which can take significantly longer and may not reflect your wishes.
No, Singapore abolished estate duty in 2008. That said, if you're a foreign national or hold assets in another country, you may still be subject to inheritance or estate tax rules in that jurisdiction, so a Singapore-only plan isn't always the full picture.
Without a plan, the loss of a key owner can leave a business without clear authority, uncertain ownership, and no ready source of cash to cover a buyout while a successor is found. A succession plan, often paired with key person insurance, is what turns that gap into a manageable transition instead of a crisis.
Key person insurance pays the business itself if a critical person dies or becomes critically ill, giving it cash to cover the disruption. A buy-sell agreement is the legal contract that governs what happens to that person's ownership stake, often funded by that same insurance payout. Most businesses that get this right use both together, not one instead of the other.
Yes. Singapore allows 100% foreign ownership of a private limited company, though you'll typically need at least one local resident director and a registered Singapore address, which is where TG Gateway's incorporation partner comes in.
It isn't a hospital or a clinic, it's the coordination layer around them: helping line up the right specialist, manage appointments, and navigate a healthcare system you may not know your way around yet, so a health decision doesn't also become a logistics project.