ABOUT ME
Connecting with Purpose
I work especially with families with young children and pre-retirees.
MDRT Life Member | ChFC | CLU
Unlocking Perspectives Through Strategic Financial Planning and Expertise
REN JINLIN
Quality Financial Counselling
With more than 15 years of experience in the financial services industry, Jinlin is a seasoned advisor who specialises in guiding high-net-worth individuals and families through the complexities of wealth preservation, risk management and legacy planning.
Jinlin holds multiple accolades and is a recognised leader in the industry, often sought after for strategic insights in succession planning, family office structures and creative financial solutions. Her clients value her clarity, discretion, and ability to craft holistic strategies that align wealth with purpose.
SERVICES
Discover the difference that exceptional financial counseling can make. Begin your journey towards financial success with Jinlin's unparalleled expertise and unwavering dedication.
Case Study 1
Profile: Client in his early 30s, working in a Singapore bank’s middle office.
Challenge:
He bought his first basic life policy when starting out. Over the years, his income grew, and he started building wealth through property and investments. But his protection portfolio remained unchanged, leaving gaps.
Approach:
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Maintained 7 years of continuous reviews and servicing.
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Helped him top up CPF and structure insurance alongside property loans.
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Transitioned him into HNW territory as his wealth grew.
Outcome:
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Became my first HNW client in Singapore.
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Secured a multi-million-dollar coverage plan integrated with CPF, property, and family needs.
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He has since referred me to peers in the financial industry and entrepreneurs’ circle.
Case Study 2
Profile: 55-year-old founder of a logistics company in Jurong, family business valued at ~SGD 25M.
Challenge:
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Majority of wealth tied up in the private company and shophouse properties.
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Two children: eldest works in the business, younger is pursuing a career overseas.
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Client wanted fair distribution while keeping business ownership stable.
Approach:
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Facilitated family discussion around succession vs inheritance.
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Set up keyman insurance to buffer the company in case of sudden loss.
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Used life insurance proceeds to “equalise” inheritance:
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Active child inherits company shares.
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Non-active child receives equivalent value in liquidity.
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Recommended a family trust with Singapore trustee company for long-term governance.
Outcome:
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The family now has a clear roadmap for succession.
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Business continuity preserved, avoiding forced sale of assets.
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Children protected from future conflict.
Case Study 3
Profile: Couple in their late 30s, two children aged 5 and 8.
Challenge:
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Worried about rising education costs (local vs overseas university).
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Heavy exposure to private condo mortgage.
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Unsure how much to set aside for retirement vs education vs protection.
Approach:
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Reviewed existing portfolio and found over-reliance on CPF LIFE for retirement.
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Implemented a layered plan:
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Education endowment plans denominated in SGD and USD for overseas tuition.
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Multi-pay critical illness coverage to protect income.
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Structured investment-linked insurance plan (IUL) to build retirement funds beyond CPF.
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Outcome:
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Family now has a step-by-step plan for children’s education milestones.
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Mortgage and income risks protected.
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Clear visibility of retirement needs, without compromising current lifestyle.
