Owen Bay
AIA FA Financial Consultant
Authorised Representative of AIA Financial Advisers Ptd Ltd (Reg. No 201715016G)
Owen became a consultant whilst maintaining his scholarship as an NUS Pharmaceutical Science student. His initial interests got sparked after reading up on Financial Literacy back in his National Service days. After having a hand at financial planning for his own parents to gauge their retirement readiness, he thoroughly enjoyed the process and managed to obtain a clear understanding of the family finances helping them secure their future as well as his own. As he spoke to more people, from undergraduates to business owners, he realised that there was always a gap between what people ought to know and what they think they know.
Since then, he has helped hundreds around him bridge the gap between where they are and where they want to be. Empowering all his clients to take charge of their own finances and make informed decisions to move forward towards their goals, creating their own “Bay of Wealth”.
Moving forward, Owen always aims to improve and is never satisfied with staying stagnant. He continues to level himself up through all available financial planning courses to better service his existing and future clients.
Unlock the potential of your finances and assign them a purpose that simplifies your life, while also maximising their productivity.
With his extensive range of expertise, Owen has the ability to customise his advisory processes to meet the unique needs of individuals from diverse backgrounds. His comprehensive approach ensures that you can fully maximise the benefits of a personalised wealth advisory program.
To assist you in developing practical strategies that will lead you towards achieving your goals effectively and realistically.
To provide you a life free of financial decisions with informed investment decisions that is aligned with your needs and preferences.
Ensuring that you have a peace of mind as you enjoy the well-deserved golden years that you earned throughout your working life.
To ensure that your assets are passed down to your loved ones, keeping your legacy and loved one protected.
Protecting your non-negotiables. Keeping what’s yours. Covering all bases.
Protect the benefits and health of your employees, dependants as well as the company itself.
Give your business a financial cushion to cover the unexpected loss of a key personnel.
Your business lives on. Get the funds to buy out the shares of a departed partner.
For Mortgage Insurance and evaluating how your property fits in your portfolio.
After speaking to hundreds of individuals, Owen has observed that as people progress in life, their financial needs expand while their time becomes increasingly limited. Many people find themselves lacking the time to acquire the necessary knowledge for effectively managing their wealth and finances. This leads to concerns and stress surrounding financial and estate planning, as individuals are focused on earning more but not maximising their current resources.
Furthermore, there comes a point where individuals start worrying about whether they have chosen the right financial instruments to achieve their goals, such as potentially overpaying for insurance or mortgage interest. These are common societal problems, and if not managed properly, they often result in family disputes due to a lack of proper estate planning.
Owen firmly believes that wealth management should be straightforward, and anything that appears overly complex may not be the right fit. His approach has successfully helped clients save $5,000 to $20,000 annually on mortgage interest, increase retirement income by 2-3 times, and ensure wealth protection through the development of a comprehensive estate plan. This plan guarantees the orderly, timely, and legally sound distribution of assets.
In Just 30 Minutes, Owen will be able to help you unlock and identify unoptimized assets that you may have, to help you maximise your retirement income.
At the very least, you will get a better understanding of your financial position, to help you make better financial goals for your future.
Drop him a message on his socials and he will personally schedule a call back!
* Financial Disclaimer: It should be noted that results, earnings and income claims made are based on clients’ individual background, capacity, goals and experience. There is no assurance that examples of clients’ results can be duplicated in future. We cannot guarantee your future results and/or success.
