About The Founder & Her Vision
A trusted partner in navigating modern living with finance.
Welcome. I'm Gwendalynn Lim, a financial advisor dedicated to guiding individuals and families through the complexities of modern wealth, focusing on the opportunities that matter most to you.
I specialize in crafting strategies for life's biggest transitions. Whether it's planning your next career move, pursuing higher education, starting a business, or mapping out an early retirement abroad, my platform provides the financial framework to turn your ambitions into reality. My goal is to demystify finance and empower you with clear, actionable advice.
My approach also extends to the personal side of wealth. Through our Family Office services, we help facilitate the sensitive conversations around legacy and inheritance. For discerning clients, I curate the 'Inner Circle'—exclusive wellness retreats focused on investing in your holistic growth, self-wellness, and strategic financial insight.
In a rapidly changing world, I also help clients navigate progressive investment themes, from the AI transformation to the growing digital asset space, ensuring your portfolio is positioned for the future. My goal is to offer you access to a robust suite of world-class financial solutions.
My Philosophy: Human Expertise, Amplified by AI
We believe the platform should allow an AI to be the best of how they are an AI, and a person to be the best of how they are as a human.
The true power of a conventional financial advisor lies in the nuance, subtlety, and detail of actively listening. It's about understanding the unspoken goals behind the financial data.
Our "Buddy" AI co-pilot is built on this principle. It handles the repetitive, time-consuming tasks of compliance and documentation. It analyzes data based on weight and logic, not bias or impression. This frees the human advisor to do what they do best: pay attention, ask the right questions, and use their real-world expertise to guide your financial future. It's not about replacing advice; it's about creating the space for better advice.
My Commitment to Fair Dealing
My advisory process is built on the foundation of the Fair Dealing Outcomes guidelines issued by the Monetary Authority of Singapore (MAS).
Outcome 1: Culture
Our customers have confidence that they deal with a financial institution where fair dealing is central to the corporate culture.
Outcome 2: Suitability
We offer products and services that are suitable for our target customer segments.
Outcome 3: Competence
Our customers are served by competent representatives who provide quality advice and recommendations.
Outcome 4: Clarity
Our customers receive clear, relevant, and timely information to make informed financial decisions.
Outcome 5: Responsiveness
We handle customer complaints in an independent, effective, and prompt manner.
Our Recommendation Framework
To ensure every recommendation is suitable and in your best interest, we adhere to a strict internal process guided by Non-sales KPI 2: Suitability of Product. This is our promise to you.
My Suitability Checklist
Before making any recommendation, I ensure the following:
- Document the assumptions used for recommendations (e.g., return on investment, inflation rate).
- Conduct a thorough risk profiling for every client.
- Document the basis of every investment product recommendation.
- Ensure the recommended product meets the client's financial objectives.
- Ensure the recommended product is affordable for the client.
- Ensure the product is aligned with the client's investment horizon.
- Ensure the product matches the client's risk profile.
- Take into account the client's concentration risk.
- Consider the particular needs of the client and their dependants.
A Supervisor's Advantage: Maximizing SVI
For team managers, our platform is a direct investment in your success. By providing your team with the "Buddy" co-pilot, you systematically improve compliance, reduce errors, and elevate the quality of advice, leading directly to higher BSCF grades and maximizing your Supervisor's Variable Income (SVI).
BSCF Supervisor Grading and Your Income
A team that consistently meets compliance standards is a team that ensures your SVI is protected and maximized.
| SVI Entitlement | MAS Grade | Consequence |
|---|---|---|
| 75% and above | Satisfactory | Standard Compliance. The supervisor receives their full (or near-full) specified variable income. |
| 50% to less than 75% | Needs Improvement | Warning/Remediation Required. The supervisor's oversight is deficient, and they receive a reduced variable income. |
| Less than 50% | Unsatisfactory | Severe Breach. The supervisor receives the lowest possible variable income and faces stringent remediation. |
Catering to Diversity & Accessibility
Financial advice should be accessible to everyone. We are committed to creating an inclusive environment that respects and accommodates the diverse needs of all our clients.
My Commitment to an Inclusive Practice
We recognize that every client is unique. We strive to provide a welcoming experience, especially for neurodivergent clients or those with accessibility needs, by focusing on:
- Clear & Simple Communication: Avoiding jargon and presenting information in straightforward, easy-to-understand language.
- Flexible Meeting Formats: Offering various communication methods (video, phone, in-person, text-based chat) to suit your comfort level.
- Patient & Empathetic Approach: Taking the time to ensure you feel comfortable and understood, and providing information in multiple formats (visual, written) to support different processing styles.
- Personalized Pace: Structuring our conversations and decisions at a pace that works for you, without pressure.