Wealth That Works Across Every Part of Your Life, and Every Season of It
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, an investment property, a business you haven't formally protected. TereGroyon brings it under one coordinated plan.
Three Conversations, One Coordinated Plan
Grow & Protect Your Wealth
Your wealth needs to be built, protected from currency swings, and planned around tax, as one system, not three separate decisions.
Global Investment Strategies
Access to a wide range of fund houses and asset managers, so your portfolio reflects your goals and your timeline.
Multi-Currency Wealth Management
If your savings and investments are held in more than one currency, currency risk is already part of your picture. We plan around it so it works for you, not against you.
Tax Efficient Planning
We look at how tools like SRS contributions and CPF top-ups fit your plan, so you make use of the tax reliefs Singapore already offers. For specific tax advice, we work alongside your tax professional.
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, CPF and insurance nominations, 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 fits your family, and work with established wills and trust companies to put it in place.
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 insurance, 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
Protection for the business you've built: cover for your key people, benefit schemes for your team, and commercial insurance against property damage, theft, or liability.
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.
Health and Life Protection
Health, life, and income protection matched to your family, your income, and your stage of life, reviewed as your needs change.
The Global Gateway: Beyond the Numbers, Into the Practical Side of Building Your Life Here
Managing money well is only half the picture. The Global Gateway is where TereGroyon's wealth management work extends into the practical side of building a life and a business in Singapore: starting a company here, or accessing world-class care here, without having to coordinate it all yourself.
Coordinated Wealth Management
The through-line connecting every service on this page: wealth, protection, and planning coordinated as one plan, not sold as separate products.
Business Incorporation Consulting
Setting up a company in Singapore, handled for you. 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, your business setup and healthcare logistics, 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 a financial consultant once their finances grow more complex. Currency exposure, tax planning, and structuring a portfolio across asset classes 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, regardless of how your underlying investments actually perform. A multi-currency 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, assets held outside Singapore may still fall under the estate or inheritance tax rules of the place where they are held, so it's worth reviewing them as part of your plan.
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. Through The Global Gateway, we coordinate the incorporation of a Singapore private limited company with our incorporation partner, including requirements such as a locally resident director and a registered Singapore address, and the ongoing coordination after filing.
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.
Tere Groyon is a Financial Consultant representing Finexis Advisory Pte Ltd (RNF: GTH100063623).