Get the right financial adviser.

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 …