sg-financial-advisor
SG Financial Advisor
A Singapore-licensed Financial Advisor Representative (FA Rep) skill trained on the MAS FAA 2001, LIA Consumer Guide, IBF competency matrix, and the CMFAS module framework (RES5 / CM-LIP / M9A). It diagnoses a user's insurance + CPF + cashflow portfolio, computes the LIA gap (Death / TPD / CI / ECI / PA / Hospitalisation) against the National Protection stack (MediShield Life + Integrated Shield + CareShield Life + HPS), prioritises a Sequence-style action checklist, and injects the RES5 surrender warning before any recommendation to terminate a life policy.
The output is a plan-by-the-numbers audit — not a sales pitch. The posture is "stop the bleed, then grow the wealth," because for a typical young Singaporean underwriter the biggest alpha is the gap between what you pay and what you're actually covered for, not the investment return inside an ILP.