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Do You Know That You Are Sitting On A Gold Mine Which Can Unlock An Early Retirement With Passive Income?

 Upgrade to Private Property without touching your savings

Register for a non-obligatory consultation. 

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With just a household income of $7,000, many HDB owners have UPGRADED to private properties without touching their savings.

Those with $10,000 income or more have started owning investment properties which generates PASSIVE INCOME

Would you like to upgrade your property and earn additional income WITH NO STRESS?



I have been in real estate since 2009. Eversince joining this industry, I have been actively learning about property investments by serving my clients and investing my own savings into several properties.

I believe in walking the talk and and have since became a HDB upgrader myself. I know the processtimeline and strategies to help you upgrade to your dream home. I have gained vast experience through serving many HDB upgraders. I am confident to make your upgrading process as seamless as possible for you.  


It is important to start your upgrading journey earlier in life and make time work in your favour for maximum wealth growth. 

Feel free to connect with me and I will be glad to have a chat with you to learn more about your goals and provide you a step by step road map towards your upgrading journey.

Have You Ever Wondered


If upgrading is only for the rich?

How much income you need to afford it?

Will you be able to upgrade?


You are not alone...

Many HDB owners believed that they cannot afford to upgrade. This is a valid concern. While my goal is to help them to the best of my ability, there are some cases which simply cannot be done in a comfortable manner. I will not encourage my clients to proceed if upgrading is beyond their affordability.


Many people simply assume that they cannot upgrade &  ultimately missed the chance to do so. With clear, fact based insights & step-by-step Property Wealth Planning™ strategies, my clients have upgraded comfortably to private properties, created passive income streams with a clear investment road map for the next 5 to 10 yrs.

How would it change your life if you could do the same? 

Financial freedom and a comfortable retirement is possible for those who know how.

What you do today can have massive ripple effects on your FINANCIAL FUTURE.

Let’s meet up for a FREE and NON- OBLIGATORY consultation session.


Property Wealth Planning (PWP)™ has been helping property owners like you increase their wealth accumulation capabilities and plan for their financial future.

Join thousands of property owners who have benefited from the low-risk and systematic investment plans that PWP provides.

Retire Financially FREE

Register for a non-obligatory consultation. 

Thanks for submitting!

What you can expect from the meet up:


Property Wealth Plan™

A conservative and achievable plan to help you accumulate wealth quicker.


Investment Analysis Method

A proven analysis method to filter the options in the market and determine the right property for you.


Financial Analysis

An in-depth analysis of your financial position and upgrading choices.


Investment Road Map

Plan ahead for the next 10 years with actionable steps at each phase.


Funding Requirements

A report of all funds required for stamp duties, legal costs and miscellaneous fees.


Strategies & Techniques

Real-life strategies that I have used to help multiply their property portfolios.


Real Life Case Study #1

Mr and Mrs Wong, 37 and 35 years old respectively, were owners of a 4-rm HDB flat. Their initial plan was to sell away their HDB and upgrade to a 5-rm HDB flat. 

Property Wealth Planning™

After walking them through a detailed financial analysis and pointing out how their initial plan would not fully achieve the Capital Growth that they are expecting. I recommended them methods to help them accumulate wealth without just relying on their income

Make Money Work For Them

By using low risk and proven Property Wealth Planning™ strategies, they upgraded to a condominium instead. They are able to do so without touching their savings and even have $180k set aside in a rainy day fund.

With this systematic investment road map, they are now proud owners of a District 5 private property.


Real Life Case Study 2

Let’s look at Ms Chen's case. She believed she can only own a HDB. 

Property Wealth Planning™

However, I shared with her that with the right planning she could own a private property with upside potential and have a better lifestyle without  heavy financial burdens.

By developing a detailed strategy with careful financial considerations, I helped her successfully own a 4 bedroom private property in District 27 for her own stay and 2 years later, she owned another 3 bedroom private property in D14 as an investment.


But I have almost fully paid up my HDB. Why should I upgrade?


If you are like most HDB Owners, you are probably servicing your loan using your CPF.


You might even believe that it is best to pay off the loan as soon as possible.


This impacts your financial future! PWP™ is able to made a huge difference in your retirement funds.

How You Use Your CPF Can Make or Break Your Financial Future


Locking your CPF funds in your HDB flat is eating away at your wealth.

With your CPF dumped into your HDB flat, you:



Lose the 2.5% interest you earn from  CPF.



Incur accrued interest of 2.5% that you need to pay back to CPF when you eventually sell.


Total of 5% is TAKEN AWAY from your cash proceeds year after year.


If $200,000 CPF funds was used to pay for your HDB, at the end of 5 years, you lose $26,600 in interest earnings.


In addition to that, if you sell your HDB after 5 years, you would have to return $226,600 to CPF instead of the $200,000 used earlier on. This means you receive $26,600 less cash proceeds from your total sales proceeds.


To summarise, the longer you hold on to a HDB flat paid using CPF funds, the less interest you earn AND less cash proceeds you will receive.

Is this outcome preventable? Arrange a non-obligatory consultation with me to find out!

Safe & Systematic Solutions for Building Your Property Portfolio


Property Wealth Planners™ are equipped with the most up to date and advanced financing & portfolio re-structuring techniques in the market.

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At this point, you can give up and continue what you are doing but let’s be frank, you won’t still be reading if that’s what you wanted.

All I ask now is for 1 hour of your time. That’s it.

After an hour, you can choose to either walk away the same or become one of my successful client.



with Property Wealth Planning™ strategies, that will make your property work for you instead.

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This 1 hour might 


Get a FREE consultation where I will share with you how I have helped many clients, who were in the same situation, grow their wealth.

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