Providend's Money Wisdom

Legacy Beyond Wealth is a podcast series by Providend that invites you into the heartfelt, often complex conversations behind legacy planning. In this series, we follow the story of Richard and Eva, successful business owners approaching retirement and transitioning their business to the next generation.In this final bonus episode of Legacy Beyond Wealth, Richard and Eva return to Providend with their children, David and Mary, to finalise their business succession plan. What began as a technical discussion about leadership and ownership has now evolved into a deeply personal family milestone.After months of careful planning, structured assessments, and open conversations, the moment of truth arrives. With guidance from Client Adviser Chris and Business Exit Associate Director Jerome, Richard and Eva unveil their decision on the company’s next CEO and ownership structure.At Providend, we believe true legacy planning is not about letting go, but about your legacy passing forward. It is about ensuring that what you have built with love and purpose continues to thrive for generations to come.Listen to the earlier podcast episodes here on legacy planning:Episode 1Episode 2 Episode 3Episode 4Business Exit Bonus Episode 1Music courtesy of ItsWatR.The voice talents for this episode are Ray, Annette, Isaac, Client Advisers, voicing Richard, Eva, David, our CEO, Christopher, voicing as their Client Adviser, Helen as Mary, Jerome, voicing as the Business Exit Associate Director, at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend’s Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend’s Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Subscribe to Our Mailing List Today!If you’re interested in getting more of our thought leadership contents, click this link to subscribe to our newsletter today: https://providend.com/#newsletter-subscribe

Being a trusted adviser to our affluent clients for over two decades, our wealth management philosophy—making life decisions before money decisions—is rooted in our experience of managing over S$1 billion worth of our clients’ hard-earned assets.In this week’s Money Wisdom episode, our co-host Isaac chats with Chris about how too much knowledge might actually make us poorer, drawing lessons from a surprising experience at The Ritz, and how knowledge can puff a person up and why letting it do so can be our downfall.The conversation explores why it’s important not to let knowledge consume us or make us proud, or we risk missing the woods for the trees. Chris also shares how this lesson applies to investing and the importance of first understanding your own investment philosophy.To better understand the discussion, you may start by reading Chris’ Business Times article.Music courtesy of ItsWatR.The host of this episode, Isaac Ong, is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend’s Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend’s Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Get Our Money Wisdom II Book Today!Some long-time listeners might know that the inspiration behind this entire podcast was our CEO, Chris’s book. We're proud to announce that we have launched our second edition of the book titled Money Wisdom II: More Simple Truths for Financial Wellness. If you are interested in getting your very own copy, please check out the link here: https://providend.com/publications/#order-form

Legacy Beyond Wealth is a podcast series by Providend that invites you into the heartfelt, often complex conversations behind legacy planning. In this series, we follow the story of Richard and Eva, successful business owners approaching retirement and transitioning their business to the next generation.After completing their family legacy plan, Richard and Eva now face another major milestone: planning the succession of Richard’s $30 million business. In this special bonus episode (Part One) of Legacy Beyond Wealth, we follow Client Adviser Christopher and Business Exit Associate Director Jerome as they work together to lay the foundations for this transition.For Richard, the business is more than a company; it is his life’s work. Letting go is not just financial; it is deeply emotional. For Eva, the greatest concern is preserving harmony between their two children. From identifying the right successor to crafting a gradual transition plan, this episode explores how true succession planning protects not only the business but also the family relationships behind it.At Providend, we believe good legacy planning should preserve not just wealth but also relationships. It should offer clarity, not confusion.Listen to the earlier podcast episodes here on legacy planning:Episode 1Episode 2 Episode 3Episode 4Music courtesy of ItsWatR.The voice talents for this episode are Ray and Annette, Client Advisers, voicing Richard and Eva, our CEO, Christopher, voicing as their Client Adviser, and Jerome, voicing as the Business Exit Associate Director, at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend’s Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend’s Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Download our RetireWell™ eBook Today!Our popular RetireWell™ eBook has been updated! RetireWell™ is a methodology that Providend has developed to design a retirement income plan that will provide you with a safe and reliable stream of income for the rest of your life. Check out the link here to download a complimentary copy of the full eBook today: https://providend.com/publications/#retirewell

Being a trusted adviser to our affluent clients for over two decades, our wealth management philosophy—making life decisions before money decisions—is rooted in our experience of managing over S$1 billion worth of our clients’ hard-earned assets.In this week’s Money Wisdom episode, our co-host Isaac chats with Chris about the article that unexpectedly stirred up conversations across the advisory space. What began as an article meant to explain why Investment-Linked Policies (ILPs) are complex products that Providend chooses not to use for our clients, ended up sparking strong reactions within the industry—something that was not intended.Chris shares how the article took up quite a bit of his mind space as he reflected on both the criticism and the support it received. While some advisers disagreed, many consumers reached out expressing gratitude for the clarity it brought. Chris and Isaac also discuss how ILPs can open doors to both mis-selling and well-meaning recommendations and why understanding this nuance matters.For context, it is most helpful to read Chris’ Business Times article here before tuning in to this conversation.Music courtesy of ItsWatR.The host of this episode, Isaac Ong, is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend’s Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend’s Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Subscribe to Our Mailing List Today!If you’re interested in getting more of our thought leadership contents, click this link to subscribe to our newsletter today: https://providend.com/#newsletter-subscribe

In this episode, we are delighted to be joined by the lovely Ms Ong Bee Yan, who shares how she blossomed from a shy young woman with low self-esteem into the face of ageless fashion. Joining her is Christopher Tan, our Founder and CEO, who has been a trusted adviser to our affluent clients for over two decades.Bee Yan started her modelling career at the golden age of 63 and has never looked back since. She is the Founder of 1degreeC, an online cold brew coffee business, together with her husband. On top of that, she also has a clothing line in collaboration with Y21.Despite the several ups and downs in her personal life, Bee Yan hopes to encourage not just the younger generation but also her peers to always have courage to follow your heart regardless of what society says about your age.It has been a great privilege to interview Bee Yan and we hope you find her story as relatable and inspiring as we did!Music courtesy of ItsWatR.The host of this episode, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.The full list of Providend’s Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend’s Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.

Welcome to the fourth and final episode of our Milestones by Decade mini-series! We’re excited to continue this journey with more insightful conversations with our Client Advisers. In each episode, we reflect on the lessons and advice they wish they’d received a decade ago, offering practical tips for navigating key milestones, from your 20s to your 50s.As the leading fee-only wealth advisory firm in Asia, we’ve had the privilege of guiding clients from all walks of life at different stages for over two decades. In this mini-series, we hope to be able to impart both life and money wisdom to you, to inspire you and help you avoid costly mistakes.In this episode of the Money Wisdom podcast mini-series Milestones by Decade, Amelia chats with Eleanor, one of Providend’s founding members and Associate Director of the Advisory Team, who is in her 60s. Eleanor shares the lessons, mindset shifts, and life choices she wishes she had embraced in her 50s.From redefining success as “enough” rather than “more,” to using money as a tool to protect what matters most, Eleanor shares insights that go beyond finances. She talks about practical approaches like keeping lifestyle costs in check, planning for retirement with intention, and balancing work, family, and personal wellbeing.This episode is a guide for anyone in their 50s and beyond, offering practical advice and inspiration to focus on your ikigai, embrace sufficiency, and prioritise what brings true fulfilment in this chapter of your life.Music courtesy of ItsWatR.The host of this episode, Amelia Wong, is the Senior Content & Digital Marketing Executive at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend’s Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend’s Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Download our RetireWell™ eBook Today!Our popular RetireWell™ eBook has been updated! RetireWell™ is a methodology that Providend has developed to design a retirement income plan that will provide you with a safe and reliable stream of income for the rest of your life. Check out the link here to download a complimentary copy of the full eBook today: https://providend.com/publications/#retirewell

“A lot of people have thought about happiness and what it means to have a good life, and I would subscribe to this: We only have one life to live, and what can we do that would outlast our lives in the next 50-60 years?”We are glad to share part three, the final episode of our Providend Conversation with Jeshua, a 28-year-old who travelled during the COVID-19 pandemic to over 50 countries, navigating through the uncertainty of vaccinations, all while working remotely and keeping costs low.In this episode, Jeshua shares his experiences in running his company, Crossworks – the first remote hiring company in Myanmar – and what inspired him to start it, even before the COVID-19 pandemic.Jeshua shares that whether you are a janitor or CEO, a storeman or an army officer, it is secondary to whether you are investing in others and living in a way that will move the needle of life in the right direction.“The value and uniqueness of every individual are important; we are not robots. It is easy to reduce people to a statistic or a label, but we should also take the right path, not the easy path. A good life is a life where you have sufficiently invested in the people around you.” – We couldn’t agree more with Jeshua!If you are interested in finding out more about Crossworks, you can visit their website here.Once again, it has been a joy having Jeshua with us, and we hope you find his story as inspiring as we did.Music courtesy of ItsWatR.The host of this episode, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.The full list of Providend’s Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend’s Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.

Welcome to the sixth episode of our miniseries on Finding Your Ikigai, where we invite a series of guests to explore what it truly means to live a good life, incorporating the concept of Ikigai alongside Providend’s Philosophy of Sufficiency. As trusted advisers to affluent clients for over two decades, we’ve always advocated that clients prioritise life decisions before financial ones. These life decisions are what we refer to as “Ikigai” decisions. In this episode, our Founder and CEO, Christopher Tan, chats with Shulin, a lawyer turned recruiter and Managing Director at Aslant Legal, whose mission is to serve the legal community. She is also the host of the podcast After the Bar, where she interviews lawyers, former lawyers and other movers and shakers in the legal industry. Shulin reflects on her evolving understanding of Ikigai, using it to embrace her God given strengths and pursue what truly lights up her life while making a meaningful impact on others. She emotionally recalls grieving the loss of her “lawyer” title and shares that, while money was never her main motivator, she feels genuinely happy and fulfilled, something that cannot be measured in financial terms.Through deep conversations with our advisers, you will gain clarity on what matters most in life and what needs to be done to live a good life, both financially and non-financially—with your Ikigai goals at the forefront of your wealth plan.Music courtesy of ItsWatR.The host of this episode, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.The full list of Providend’s Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend’s Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Download Investment eBook Today!TBC

Being a trusted adviser to our affluent clients for over two decades, our wealth management philosophy—making life decisions before money decisions—is rooted in our experience of managing over S$1 billion worth of our clients’ hard-earned assets.In this week’s Money Wisdom episode, our co-host Isaac chats with Chris about the importance of planning for the next generation of leaders at Providend, which began in 2021, outlining a 10-year roadmap and why this long runway is important.Chris reflected on how the founding team has never quarrelled over money, which can be rare, and how they chose to decline offers from interested buyers, and how maximising wealth was never their primary goal. He explains how these principles underpin Providend’s Philosophy of Sufficiency and our core values.You can read Chris’s article on this topic in The Business Times here.Music courtesy of ItsWatR.The host of this episode, Isaac Ong, is a Client Adviser at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend’s Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend’s Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.

“It’s not about the ability to retire but also how we utilise the time while we are on this planet. In the last three years, I was travelling with just one backpack. Every item I buy has to fit in that backpack. If I buy something new, it means that I have to give up something else.”We are back with part two of our Providend Conversation with Jeshua, a 28-year-old who travelled during the COVID-19 pandemic to over 50 countries, navigating through the uncertainty of vaccinations, all while working remotely and keeping costs low.In this episode, Jeshua opened up about his reasons for choosing to study at a polytechnic versus the junior college and university route and why he considered it a ‘shortcut’ in his filmmaking and creative journey.Jeshua believes that education is really about learning, and for him, it’s less about being in a ‘branded’ education institution and having a certificate. He also shared how his parents reacted to the choices he made: “It wasn’t like I was going to drop out of school to do drugs or join a gang.” In fact, he considers himself to have graduated from the “university of life”.His thoughts on ‘fitting everything into one backpack’ is truly a wonderful depiction of life and something for us to think about – what really matters to us and what we should or should not carry in our own ‘backpack’ in life and how to live the most meaningful life that we possibly can.It has been a joy having Jeshua with us, and we hope you find his story as inspiring as we did.Music courtesy of ItsWatR.The host of this episode, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.The full list of Providend’s Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend’s Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.

Being a trusted adviser to our affluent clients for over two decades, Providend celebrates its 24th birthday this year, a milestone that reminds us just how far we’ve come!In this special Money Wisdom episode, we sat down with three of our leaders: Christopher Tan (Group CEO), Moon Shary (Group COO & Executive Director), and Evelyn Goh (Deputy CEO & Chief Advisory Officer), to answer some of the most frequently asked (and Googled) questions about Providend.From “Where is Providend located?” and “When did Providend start?” to broader questions such as “How is Providend still around?” and “Why is Providend so expensive?”, no topic was avoided. They also addressed questions on our fee structure, whether changes are anticipated, and the often-asked succession question: “Who will be Providend’s next CEO, COO, and Deputy CEO?”Candid, light-hearted, and filled with insights, this episode is a rare behind-the-scenes look at what makes Providend who we are today, how far we’ve come in our journey, and our vision for the future.As the leading fee-only wealth advisory firm in Asia, we celebrate this milestone with heartfelt gratitude to our clients for their trust and to our colleagues (our fellow bearies) for their dedication. Together, you have made Providend who we are today — a light in the financial world.Music courtesy of ItsWatR.The host of this episode, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.The full list of Providend’s Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend’s Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Register for Our Providend's Heritage Webinar Today!Providend is hosting an exclusive webinar where we’ll unpack what fee-only wealth advisory really means, why we chose this model when we started 24 years ago, and how to decide which advisory approach best suits your needs. It’s happening on 11 September, and the best part—it’s completely free! You’ll also get the chance to ask your questions live, directly to our CEO, Christopher Tan. Spots are limited, so don’t wait—click the link here to register today: https://events.zoom.us/ev/AthVd9US3ZeC0TeOmmhndZVvdpL27JExtKSgTAZDyhEtOU2BQ2gr~AnV4QNf3iZChr_svSIpolYwKCi9foPZWqr9IR7PvmoBYEuTwG3GbqfsuTA We can’t wait to see you there!Get Our Money Wisdom II Book Today!Some long-time listeners might know that the inspiration behind this entire podcast was our CEO, Chris’s book. We're proud to announce that we have launched our second edition of the book titled Money Wisdom II: More Simple Truths for Financial Wellness. If you are interested in getting your very own copy, please check out the link here: https://providend.com/publications/#order-form

Welcome to the third episode of our Milestones by Decade mini-series! We’re excited to continue this journey with more insightful conversations with our Client Advisers. In each episode, we reflect on the lessons and advice they wish they’d received a decade ago, offering practical tips for navigating key milestones, from your 20s to your 50s.As the leading fee-only wealth advisory firm in Asia, we’ve had the privilege of guiding clients from all walks of life at different stages for over two decades. In this mini-series, we hope to be able to impart both life and money wisdom to you, to inspire you and help you avoid costly mistakes.In this episode, Amelia chats with Evelyn, one of Providend’s founding members and our Deputy CEO & Chief Advisory Officer, who is in her 50s. With heartfelt honesty, Evelyn opens up about the lessons, mindset shifts, and life choices she wishes she had known in her 40s. From balancing the demands of family and career, facing moments of burnout, to discovering the power of kindness to oneself and the importance of “yutori", that precious mental space we all need, this is one episode you wouldn't want to miss.If you’re navigating your 40s or 50s, or supporting someone who is, this episode offers comforting insights and encouragement that remind us it’s okay to slow down, be kind to ourselves, and focus on what truly matters.Music courtesy of ItsWatR.The host of this episode, Amelia Wong, is the Senior Content & Digital Marketing Executive at Providend, the first fee-only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend’s Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend’s Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Subscribe to Our Mailing List Today!If you’re interested in getting more of our thought leadership contents, click this link to subscribe to our newsletter today: https://providend.com/#newsletter-subscribe

“Some of the guesthouses are closed due to the pandemic, so I had to pitch a tent along the road to stay a night.”In this three-part episode, we are joined by Jeshua, a 28-year-old who travelled during the COVID-19 pandemic to over 50 countries, in a span of three years!He navigated through the uncertainty of vaccinations and avoided quarantines & visa applications, all while he was working remotely and keeping costs low – with a total estimated spent of just US$3000.Jeshua has always been a proponent of working remotely, and this travel-experience was simply an extension of his belief. In fact, he found it ‘abnormal’ to do what everyone else was doing. He shared: “The worse lesson we can pick up is that everything in life progresses in a sequence.”Through his travels, he discovered that there are more ways to define success than by being rich, such as generosity and happiness. It is important how we view others in the community and look out for one another. “If we become so developed and neglect those around us, we have lost the plot!” This is indeed a good reminder on what living a meaningful life is all about – the people around us.It has been a joy having Jeshua with us and we hope you find his story as inspiring as we did. Part 2 and Part 3 oof this interview will be published soon. So do keep a look out for it!Music courtesy of ItsWatR.The host of this episode, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.The full list of Providend’s Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend’s Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.

Welcome to the fifth episode of our miniseries on Finding Your Ikigai, where we invite a series of guests to explore what it truly means to live a good life, incorporating the concept of Ikigai alongside Providend’s Philosophy of Sufficiency. As trusted advisers to affluent clients for over two decades, we’ve always advocated that clients prioritise life decisions before financial ones. These life decisions are what we refer to as “Ikigai” decisions. In this episode, our Founder and CEO, Christopher Tan, sits down with two of his long time friends and army buddies, Han Kiat, an Associate Professor, and Maurice, an Accountant, to talk about all things ikigai and the role it plays in their lives. For Han Kiat and Maurice, choosing to serve in the Singapore Armed Forces (SAF) beyond the mandatory ten years was not just a commitment, it became their ikigai, a purpose they held closely for much of their early adult lives. Now as fathers, they reflect on their shared experiences, even as their sons serve in different vocations during their National Service. Does a different path diminish the value of their own ikigai? And how did they bridge the gap between those differences with their sons?They reflected on how simple, ordinary moments, and being there for one another over the years, can become something deeply meaningful and also part of their ikigai.You may find Han Kiat's full letter mentioned in the podcast here: https://providend.com/finding-ikigai-saf-fatherhood/Through deep conversations with our advisers, you will gain clarity on what matters most in life and what needs to be done to live a good life, both financially and non-financially—with your Ikigai goals at the forefront of your wealth plan.Music courtesy of ItsWatR.The host of this episode, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.The full list of Providend’s Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend’s Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Get Our Money Wisdom II Book Today!Some long-time listeners might know that the inspiration behind this entire podcast was our CEO, Chris’s book. We're proud to announce that we have launched our second edition of the book titled Money Wisdom II: More Simple Truths for Financial Wellness. If you are interested in getting your very own copy, please check out the link here: https://providend.com/publications/#order-form

“At some point in time, we see the higher purpose of why we are doing certain things.”This reflection sets the tone for our latest episode, where we are glad to sit down with Terence Quek to hear about his journey to discovering his life purpose—and how he is living it out today.As the leading fee-only wealth advisory firm in Asia, we’ve always believed that life decisions should come before money decisions—especially when it involves your hard-earned savings. Understanding what truly matters in life gives clarity to the financial decisions that follow.Terence’s path took him from the navy to entrepreneurship. Today, he wears many hats: Founding Member and Director of Project Happy Feet, Master Associate and APAC CEO of Emergenetics, and CEO of the Singapore Institute of Directors—the list goes on. Yet, through all these roles, one thing remains constant: his desire to make a positive impact.We hope you find his story as inspiring and meaningful as we did.Music courtesy of ItsWatR.The host of this episode, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.The full list of Providend’s Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend’s Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.

Welcome to the fourth episode of our miniseries on Finding Your Ikigai, where we invite a series of guests to explore what it truly means to live a good life, incorporating the concept of Ikigai alongside Providend’s Philosophy of Sufficiency.As trusted advisers to affluent clients for over two decades, we’ve always advocated that clients prioritise life decisions before financial ones. These life decisions are what we refer to as “Ikigai” decisions.In this episode, our Founder and CEO, Christopher Tan, has a chat with Choon Jin, an accountant by training whose career has spanned corporate mergers and acquisitions, insurance leadership, and regional consulting, before making the leap into entrepreneurship and reflecting on the role of balancing different 'Ikigais' in his life.Choon Jin talks about how he began questioning what he truly wakes up for, leading to a career switch that better aligned with his values. He also shares that a turning point came when he had a heart attack while overseas, forcing him to confront not just his Ikigai at work, but also the need to prioritise another: his family.Through deep conversations with our advisers, you will gain clarity on what matters most in life and what needs to be done to live a good life, both financially and non-financially—with your Ikigai goals at the forefront of your wealth plan.Music courtesy of ItsWatR.The host of this episode, Christopher Tan, is Chief Executive Officer of Providend, Singapore’s first fee-only wealth advisory firm and author of the book “Money Wisdom: Simple Truths for Financial Wellness”.The full list of Providend’s Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend’s Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Download Investment eBook Today!TBC

Legacy Beyond Wealth is a new podcast series by Providend that invites you into the heartfelt, often complex conversations behind legacy planning. In this series, we follow the story of Richard and Eva, successful business owners approaching retirement, now faced with tough questions: How can they distribute their assets wisely? How do they protect the legacy they’ve built? And most importantly, how do they preserve family harmony among their three children?Being a trusted adviser to affluent clients for over two decades, Providend understands that true legacy planning is not just about transferring wealth. It is about passing down values, protecting relationships, and creating peace of mind for the next generation. Through this podcast, you’ll get a rare, behind-the-scenes look at real conversations between clients and their adviser.In Episode 4, Client Adviser Chris and Lawyer Jacqueline reconvene with Richard and Eva to formalise the family trust and sign a carefully drafted Letter of Wishes. The session anchors months of planning in legally binding documents while articulating the couple’s guiding principles for future generations.With the deed executed, Chris presents practical “living legacy” steps of storytelling, annual family trips, and mentoring, that embed those principles into daily life. Richard and Eva leave with a completed structure, clear next actions, and a renewed understanding that legacy extends beyond assets to the values that they hold dear.At Providend, we believe good legacy planning should preserve not just wealth, but also relationships. It should offer clarity, not confusion. This is the final episode of this mini-series and we hope it sparks reflection and a deeper appreciation for what it truly means to leave a legacy.Listen to the previous Episodes here: Episode 1, Episode 2 and Episode 3.Music courtesy of ItsWatR.The voice talents for this episode are Ray and Annette, Client Advisers, voicing Richard and Eva, our CEO, Christopher, voicing as their Client Adviser, and Jacquleine, voicing as the Lawyer, at Providend, the first fee only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend’s Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend’s Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.

Legacy Beyond Wealth is a new podcast series by Providend that invites you into the heartfelt, often complex conversations behind legacy planning. In this series, we follow the story of Richard and Eva, successful business owners approaching retirement, now faced with tough questions: How can they distribute their assets wisely? How do they protect the legacy they’ve built? And most importantly, how do they preserve family harmony among their three children?Being a trusted adviser to affluent clients for over two decades, Providend understands that true legacy planning is not just about transferring wealth. It is about passing down values, protecting relationships, and creating peace of mind for the next generation. Through this podcast, you’ll get a rare, behind-the-scenes look at real conversations between clients and their adviser.In Episode 3, Chris, the Client Adviser, meets with Jacqueline, the Lawyer, to refine the legacy plan for Richard and Eva by discussing the crucial role of the trustee. Their focus is on ensuring the trust funds are managed fairly and professionally to protect the family’s harmony and uphold their values.Chris highlights the benefits of appointing a corporate trustee to avoid family conflicts, while Jacqueline explains the flexible trust supporting both children and elderly parents. After reviewing options based on service and fees, Richard and Eva choose their preferred trustee. The episode concludes with plans to draft legal documents and begin onboarding, moving their legacy plan forward.At Providend, we believe good legacy planning should preserve not just wealth, but also relationships. It should offer clarity, not confusion. In each episode, you’ll hear how a thoughtful, values-based approach can bring peace of mind, not just for the clients, but for generations to come. Listen to the previous Episodes here: Episode 1 and Episode 2.Music courtesy of ItsWatR.The voice talents for this episode are Ray and Annette, Client Advisers, voicing Richard and Eva, our CEO, Christopher, voicing as their Client Adviser, and Jacquleine, voicing as the Lawyer, at Providend, the first fee only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.The full list of Providend’s Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend’s Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Download our RetireWell™ eBook Today!Our popular RetireWell™ eBook has been updated! RetireWell™ is a methodology that Providend has developed to design a retirement income plan that will provide you with a safe and reliable stream of income for the rest of your life. Check out the link here to download a complimentary copy of the full eBook today: https://providend.com/publications/#retirewell

Legacy Beyond Wealth is a new podcast series by Providend that invites you into the heartfelt, often complex conversations behind legacy planning. In this series, we follow the story of Richard and Eva, successful business owners approaching retirement, now faced with tough questions: How can they distribute their assets wisely? How do they protect the legacy they’ve built? And most importantly, how do they preserve family harmony among their three children?Being a trusted adviser to affluent clients for over two decades, Providend understands that true legacy planning is not just about transferring wealth. It is about passing down values, protecting relationships, and creating peace of mind for the next generation. Through this podcast, you’ll get a rare, behind-the-scenes look at real conversations between clients and their adviser.In Episode 2, Richard and Eva return to review the initial estate and legacy plan proposed by their Client Adviser, Chris. The plan is crafted to protect their 68 million dollar estate, safeguard the family business, and ensure fairness among their children. They also raise a new concern: securing support for their elderly parents should anything happen to them.Chris begins by clearly summarising their priorities using a structured planning framework. While the proposed plan initially feels overwhelming, Chris reassures them that legacy planning is a gradual journey. As their trusted adviser, he continues to guide them with empathy and clarity, offering both structure and support every step of the way.At Providend, we believe good legacy planning should preserve not just wealth, but also relationships. It should offer clarity, not confusion. In each episode, you’ll hear how a thoughtful, values-based approach can bring peace of mind, not just for the clients, but for generations to come.The voice talents for this episode are Ray and Annette, Client Advisers, voicing Richard and Eva, and our CEO, Christopher, voicing as their Client Adviser at Providend, the first fee only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.Music courtesy of ItsWatR.The full list of Providend’s Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend’s Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Get Our Money Wisdom II Book Today!Some long-time listeners might know that the inspiration behind this entire podcast was our CEO, Chris’s book. We're proud to announce that we have launched our second edition of the book titled Money Wisdom II: More Simple Truths for Financial Wellness. If you are interested in getting your very own copy, please check out the link here: https://providend.com/publications/#order-form

Legacy Beyond Wealth is a new podcast series by Providend that invites you into the heartfelt, often complex conversations behind legacy planning. In this series, we follow the story of Richard and Eva, successful business owners approaching retirement, now faced with tough questions: How can they distribute their assets wisely? How do they protect the legacy they’ve built? And most importantly, how do they preserve family harmony among their three children?Being a trusted adviser to affluent clients for over two decades, Providend understands that true legacy planning is not just about transferring wealth. It is about passing down values, protecting relationships, and creating peace of mind for the next generation. Through this podcast, you’ll get a rare, behind-the-scenes look at real conversations between clients and their adviser.In Episode 1, Richard and Eva begin their journey. Despite building a $30 million business and $38 million in personal assets, they are unsure how to prepare their children to receive this wealth without conflict. With concerns about succession planning, differing personalities, and ensuring fairness, they turn to Providend for clarity and guidance.As their Client Adviser, Chris listens with empathy and intention, what unfolds is a rich dialogue not just about financial tools, but about values, fears, and hopes. Through their story, listeners will come to understand how legacy planning is less about documents and more about crafting a future that aligns with Richard and Eva’s heart and vision for their loved ones.At Providend, we believe good legacy planning should preserve not just wealth, but also relationships. It should offer clarity, not confusion. In each episode, you’ll hear how a thoughtful, values-based approach can bring peace of mind, not just for the clients, but for generations to come.The voice talents for this episode are Ray and Annette, Client Advisers, voicing Richard and Eva, and our CEO, Christopher, voicing as their Client Adviser at Providend, the first fee only wealth advisory firm in Southeast Asia and a leading wealth advisory firm in Asia.Music courtesy of ItsWatR.The full list of Providend’s Money Wisdom podcast episodes from Season 4 can be found here.Did you know that our Providend’s Money Wisdom podcast is now available in video format on YouTube? Follow us on our YouTube channel for new episode on Thursday at 8pm.Mentioned in this episode:Subscribe to Our Mailing List Today!If you’re interested in getting more of our thought leadership contents, click this link to subscribe to our newsletter today: https://providend.com/#newsletter-subscribe