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Byline: Yap Ming Hui
IF you're going to disclose your entire financial details, including your goals, values, assets and liabilities, income and expenses - and delegate the implementation of a customised financial plan - you'll want to work with someone you can trust.
Basically, you're looking for a financial adviser who is independent, competent and puts your interest above his.
Three critical factors an independent financial adviser must cover are multi-advisory services, multi-products and multi-companies.
Multi-advisory services To manage money well for financial freedom, you need to address your income, expenses and debt planning, insurance planning, tax planning, retirement and EPF planning, children's …