Ascenta Wealth is a Singapore-based, fee-only financial planning brand operating under Farringdon Asset Management Pte Ltd, which is regulated by the Monetary Authority of Singapore (MAS). We specialising in transparent, independent advice for British expatriates, international professionals, and globally mobile families.
Operating from Ocean Financial Centre in Singapore’s central business district, our advisers hold top-tier UK and Singapore qualifications and provide expert guidance across retirement planning, pensions, global investments and cross-border financial strategies.
With no commissions, no product bias and no lock-ins, we focus entirely on helping clients build, protect and manage their wealth with clarity, integrity and long-term confidence—whether they live in Singapore or anywhere in the world.
Yes. Ascenta Wealth provides independent, fee-only financial advice with no commissions from investment products, platforms or funds. Our advisers hold leading UK and Singapore qualifications and operate to the highest professional and ethical standards.
Ascenta Wealth is part of Farringdon Asset Management Pte Ltd, which is regulated by the Monetary Authority of Singapore (MAS).
Farringdon Asset Management operates under CMS Licence No. 100560.You can verify this on the MAS Financial Institutions Directory at mas.gov.sg.
Yes. You can meet us in person or via online video consultation, depending on your preference and location.
Our office is located at: Ocean Financial Centre, 10 Collyer Quay, #03-06, Singapore 049315.
Ascenta Wealth was founded in April 2021 by Paul Charles, Daniel Purchon and Rory Brown, combining decades of experience in global financial planning.
We are based at Ocean Financial Centre, Singapore, but we work with clients worldwide. You do not need to live in Singapore to become a client. We regularly support British expatriates, globally mobile professionals, and international families.
Our advisers hold a range of industry-leading qualifications:
Rory Brown holds an extensive range of professional qualifications in financial planning and investment advice. He holds the Level 7 Diploma in Advanced Financial Planning from the Chartered Institute for Securities & Investment (CISI) — the highest-level qualification available in the financial planning profession — alongside a Level 6 Certificate in Advanced Financial Planning and a CISI Level 6 Certificate in Pension Transfers & Planning Advice, reflecting specialist expertise in retirement and pension planning.
Rory is a Licensed Financial Adviser Representative, authorised by the Monetary Authority of Singapore (MAS) since 2015, ensuring full regulatory compliance in the
Singapore market.
Paul Charles brings a comprehensive set of professional qualifications spanning decades of expertise in financial planning, investment advice, and insurance.
He holds the Investment Advice Diploma from the Chartered Institute for Securities & Investment (CISI), alongside a Chartered Financial Consultant (ChFC) designation from The American College of Financial Services — covering the full spectrum of financial planning including Risk Management, Tax Estate Planning, Investments, Wealth Management, and Ethics.
Paul holds multiple CMFAS qualifications under the Securities and Futures Act (SFA) and Financial Advisers Act (FAA) across Securities Products, Collective Investments, Life Insurance, and Health Insurance, as well as Certified Financial Planner Certificates from the Chartered Insurance Institute.
Daniel Purchon: Chartered Financial Planner (CII, UK), Advanced Diploma in Financial Planning, Private Client Investment Advice and Management.
Simon Chegwidden: Fully qualified adviser in both the UK and Singapore, regulated by MAS.
All advisers are professionally certified and operate under MAS regulatory standards.
We are fee-only, not commission-based. This means:
No product commissions
No hidden charges
No lock-ins
You know exactly what you pay for initial and ongoing financial planning, creating full transparency and trusted, client-first advice.
At Ascenta Wealth, we work with British and international clients living in Singapore and across the world who want clear, transparent, and professional financial planning. Our clients include expats, senior professionals, business owners, high-earning families, and individuals preparing for or already in retirement. Many have assets spread across multiple countries and come to us for help with retirement planning, cash flow forecasting, cross border tax considerations, and global investment management.Whether you are building wealth, managing complex international finances, or seeking specialist guidance on UK or overseas pensions, we provide independent, fee based advice designed to support your long-term goals with clarity and confidence.
Yes. Early retirement is one of the most common goals we help clients plan for. We review your current assets, savings rate, desired lifestyle, tax position, and long-term objectives to build a clear cash flow plan that shows what is possible and what adjustments may help you retire earlier.
Yes. Whether you are several years away or already retired, we help you understand your income options, optimise tax efficiency across UK and international assets, and create a long-term retirement plan that supports a sustainable lifestyle.
We work with British and international expats in Singapore and Asia, professionals with global careers, senior executives, business owners, and families with assets in the UK and overseas. Many clients come to us with cross border planning needs, including pensions, tax, and long-term wealth planning.
No. We work with clients of all nationalities and have a global client base.
We support clients of all nationalities for retirement planning, cash flow forecasting, and global investment advice. Our transparent fee based approach suits anyone living in Singapore or internationally who wants clear, independent planning. For British clients, we can also assist withUK repatriation planning, UK pension considerations, and specialist UK tax issues.
Yes. We work with Australian expats in the same way we support British and international clients. We help with retirement planning, cash flow forecasting, global investment portfolios, and structuring finances for those living and working overseas.
Yes. Wealth planning is valuable at every stage of life. We work with younger clients who want to build strong financial foundations, invest sensibly, and avoid common mistakes often made by expats.
Yes. We support business owners, entrepreneurs, and self-employed clients with planning around cash flow, tax efficiency, investments, and long-term wealth extraction. We also help align personal financial goals with business plans.
Yes. Many of our clients are preparing for retirement or already retired. We help structure pension income, investment withdrawals, and long-term tax planning to support your lifestyle needs.
Yes. We support clients who have received an inheritance by helping them invest sensibly, understand any UK or international tax considerations, and integrate new wealth into their long-term plans.
Yes. We advise clients before and after a business sale.This includes pre sale planning, tax optimisation, and structuring proceeds to protect and grow long-term wealth. Post sale, we help turn capital into sustainable income.
Yes. We provide calm, supportive guidance during a difficult time. We help organise assets, clarify next steps, and ensure your finances a restructured to support your future.
Yes. These are the core groups we typically work with. We understand the financial challenges and opportunities that business owners, senior professionals, and retirees face.
Yes. We regularly review existing pensions, ISAs, investment accounts, offshore bonds, and expat portfolios. We help you understand what you hold, identify hidden fees or lock ins, and decide whether to keep, improve, or consolidate your existing arrangements.
We do not have a strict minimum. However, as a CMS licensed firm in Singapore, many of our clients meet the Accredited Investor criteria.This includes individuals with income of 300,000 Singapore dollars, financial assets of 1 million Singapore dollars, or total assets of 2 million Singapore dollars. We work with clients who value professional planning and long-term advice. If we are not the right fit based on your circumstances, we will always guide you appropriately.
Yes. Many clients hold assets across the UK, Singapore,Europe, Australia, and other regions. We specialise in cross border planning and help you coordinate your global finances in a tax efficient and well organised way.
Yes. We help you understand your UK State Pension forecast, identify gaps, assess whether voluntary contributions make sense, and show how your State Pension fits into your wider retirement income plan.
Our Fees and Value section explains exactly how we charge for financial advice, so you can compare costs confidently and avoid hidden commissions. As aSingapore-based, fee-only wealth planning firm working extensively with British and international expats, we set out our planning fees, ongoing advisory charges, and how they relate to the assets we manage for you. All costs are agreed in advance, fully transparent, and aligned with UK-style best practice, while typically remaining lower than many commission-based advisers inSingapore. This page is designed to help you understand what you pay, what you receive in return, and how a clear fee structure supports long-term, client-focused financial planning.
Yes.We offer an introductory meeting — either by video call or in person — at no cost. This allows you to understand our approach and assess whether we are the right fit before committing to anything.
Ascenta Wealth operates on a transparent, fee-only basis. We charge an ongoing advisory fee of 1% per year, calculated on the value of the investments we manage for you. There are no product commissions or hidden charges.
Thefee depends on the complexity of your planning requirements. All fees are agreed and invoiced before work begins. Our minimum financial planning fee is $3,000+ GST.
Our ongoing service fee is asset-based. The standard fee is 1% per annum, with reduced percentage rates available for clients with higher asset values under our management.
No. Ascenta Wealth does not receive commissions of any kind. We do not use trail-commission funds or recommend commission-based plans. Our service is fully transparent and fee-only.
Our ongoing charges are comparable to the average cost of regulated financial advice in the UK and significantly lower than the average advisory fees charged in Singapore.
Ourfee-only model is typically far more cost-effective than commission-based advice in Singapore. We align closely with UK best-practice standards, delivering transparent advice without product-driven incentives.
Ascenta Wealth provides comprehensive, fee-only financial advice for British expats, Australian expats, Indian expats, European expats and internationally mobile professionals living in Singapore or overseas. Our advice covers UK pensions, global investment portfolios, retirement planning, tax-efficient strategies, property and mortgage guidance, estate and Inheritance Tax planning, protection planning, and specialist cross-border considerations for clients with UK,Singapore and international assets. Whether you need support with SIPPs, FinalSalary pensions, ISA planning, sustainable investing, inheritance decisions or long-term financial structuring, we offer clear, transparent guidance tailored to your goals, wherever you are in the world.
Yes.Our team is UK mortgage-qualified and experienced in helping British and international clients understand their borrowing options. We explain how different UK mortgages work, assess affordability, and show how your mortgage choices fit into your wider financial plan. For the application itself, we partner with UK-regulated mortgage brokers and support you through the full process—whether you are purchasing, refinancing, or remortgaging a UK property.
Yes.We can help you understand whether Equity Release or Lifetime Mortgages may be appropriate based on your goals, long-term financial needs, and family considerations. All regulated advice and applications must be completed by aUK-authorised Equity Release specialist. We collaborate with qualified advisers and guide you through the process as part of your long-term planning.
Yes.We advise on a wide range of UK personal pensions including stakeholder pensions, workplace pensions, SIPPs, and international pension arrangements commonly used by British expats in Singapore and globally.
Yes. We review workplace and employer-sponsored schemes, help you understand your available options, and ensure they fit into your long-term retirement plan—especially if you have worked for multiple UK employers.
Yes.Pension consolidation is one of the most common areas we support. We review each pension individually—looking at fees, performance, guarantees, and benefits—and only recommend consolidation where it is clearly in your best interest.
Yes.We help you build a tax-efficient withdrawal strategy that aligns with UK tax rules, Singapore residency, and cross-border planning considerations. This includes using tax bands effectively, reducing lifetime tax, and integrating pension withdrawals into your broader retirement and cash-flow plan.
Yes.We offer globally diversified ESG portfolios and can tailor your investment approach to match your values. This includes exclusion-based strategies, impact investing, and sustainability-tilted portfolios suitable for international investors and expats.
Yes. We can help you structure an inheritance thoughtfully—balancing investing, saving, gifting, and protecting inherited wealth. For British expats, we also advise on UK Inheritance Tax (IHT) implications and tax-efficient investment structures while living overseas.
Yes. SIPPs are a core part of our UK–Singapore cross-border work. We help you select appropriate SIPP providers, design a suitable investment strategy, and manage your pension within UK regulatory requirements.
We can analyse your pension, explain your options, and model how each choice affects your long-term retirement plan. Transfers from Defined Benefit schemes require advice from a UK Pension Transfer Specialist. We work closely withFCA-regulated firms who can provide the necessary transfer advice where required.
Yes.We help you plan for potential care needs, reduced capacity, intergenerational wealth transfer, and ensuring your estate and financial arrangements remain secure and aligned with your wishes later in life.
Yes.We specialise in UK Inheritance Tax planning for expats living in Singapore and internationally. We help you understand the rules, use allowances and exemptions effectively, structure assets tax-efficiently, and plan for wealth to pass smoothly to the next generation.
Yes. We can advise on how ISAs fit into your long-term plan, particularly if you intend to return to the UK. Although ISAs cannot be opened while living overseas, we can review existing ISAs, incorporate them into your strategy, and recommend tax-efficient alternatives during your time abroad.
Yes.We advise on life insurance and critical illness cover, including both Singapore policies and UK options for expats. We also help with income protection planning to safeguard your financial wellbeing throughout key life stages.
We provide comprehensive financial planning across all major advice areas, including retirement planning and cash-flow forecasting, global investment portfolios, UK tax planning for expatriates, pension changes, currency and FX planning, education fee planning, and estate and multi-jurisdiction planning.If it affects your financial life, we can help.
At Ascenta Wealth, we specialise in advising internationally mobile clients living in Singapore and across the region, including British, Australian, Indian andEuropean expatriates. Our team provides fee-only, transparent financial planning tailored to the unique cross-border needs of global professionals covering retirement planning, cash flow forecasting, UK and international pensions, tax considerations, and long-term wealth management. Whether you are newly arrived in Singapore or managing finances across multiple countries, we offer regulated, client-focused advice designed to support your goals wherever life takes you.
Yes. Rory, Simon and Dan specialise in providing financial planning and investment advice to British expatriates living in Singapore.
Yes. Ascenta Wealth has strong experience advising Australian expatriates inSingapore, particularly around retirement planning, global investing, and cross-border considerations.
Yes. Paul specialises in helping non-resident Indian (NRI) clients with financial planning, investment structuring, and long-term wealth strategies.
Yes.We have extensive experience working with European expatriates living inSingapore or overseas, supporting them with cash-flow planning, retirement strategies, and global investment advice.
At Ascenta Wealth, we work with British expats, Australian expats, Indian expats and internationally mobile professionals living in Singapore or overseas who want clear, transparent and fee based financial advice. This section explains how we work together from your first meeting through to long term planning, investment management and ongoing support. Whether you are looking for retirement planning, cashflow forecasting, UK or cross border tax guidance, ora dedicated financial adviser to help you manage your wealth, these FAQs outline what to expect when partnering with Ascenta Wealth and how our team supports you at every stage.
You can book an initial meeting directly through our website ascentawealth.com. Simply enter your contact details and include a short description of your planning requirements. We will match you with the most suitable financial adviser or planner based on your goals and circumstances.
No. Your first meeting with Ascenta Wealth is free. It is designed to help you understand how we work, ask questions and explore whether our fee based financial planning service is right for you. There is never any obligation to proceed.
You do not need to prepare any formal documents. It is helpful if you have an idea of your goals, priorities and any pensions, investments, insurance or planning concerns you would like to discuss. If not, you can simply attend and talk through your situation and we will guide you.
The first meeting is an introductory conversation. We discuss your financial situation, long term goals and what you want to achieve. We explain how our transparent, fee based service differs from commission driven advice and outline how financial planning and investment management work at Ascenta Wealth. By the end you will understand whether our approach fits your needs.
Meetings typically last 30 to 45 minutes, although we allow up to an hour. If additional time is needed, we will continue. You will never be rushed.
No. The meeting is purely exploratory. After the discussion you will receive a clear summary of next steps, our fees and how we work. You can then decide in your own time.
You will always receive ongoing support. If your adviser is away, another qualified adviser within Ascenta Wealth will assist you. Your plan, investment strategy and meeting notes are always documented, ensuring continuity of service.
You will receive regular communication throughout the year. Some clients prefer frequent updates while others prefer structured annual or mid year reviews. We adapt to your preferred communication style while ensuring you stay informed.
Yes.Cashflow forecasting is a core part of our financial planning process. We use interactive modelling tools to show long term projections, retirement pathways and what if scenarios to help you make informed decisions.
We update your financial plan whenever your circumstances or goals change, such as changes in income, family situation, residency or tax position. Your plan evolves with you to ensure it remains aligned with your objectives.
Yes. Many of our clients have cross border tax, estate or legal considerations. We regularly collaborate with accountants, tax advisers and lawyers to ensure your planning is coordinated and compliant.
Yes. We frequently support mortgage brokers by providing information on investments, income, affordability and other financial details needed for mortgage applications.
If your adviser moves to another firm, you can choose to follow them or continue with Ascenta Wealth and work with a new adviser. If an adviser leaves the industry, we ensure a smooth handover and ongoing support from a qualified adviser.
Yes. We can provide a sample financial plan so you can see the level of analysis, structure and clarity you can expect, including goals, timelines, cashflow modelling and planning recommendations.
Yes. Clients can view their investment valuations, transactions and performance online at any time.
Yes. All clients receive secure login access to our online investment portal where you can monitor your accounts and access documents and reports.
For long term clients, we do not restrict the number of meetings. We recommend meeting at least twice a year to review your plan, portfolio and goals. You can speak to your adviser whenever your circumstances change or when you need guidance. Some clients prefer frequent contact while others take a more hands off approach. The frequency is based entirely on your needs.
Our published Terms and Conditions outline the complaints process: https://www.farringdon.com.sg/terms-and-conditions/
Complaints regarding our products or services should be addressed to the Compliance Officer at:
Ocean Financial Centre
10 Collyer Quay #03-06
Singapore049315
As a regulated adviser under the Monetary Authority of Singapore (MAS), Farringdon is subject to the Financial Advisers (Complaints Handling and Resolution) Regulations 2021. This ensures we maintain clear procedures for receiving, assessing, and resolving complaints. If you are not satisfied with the outcome, you may be able to escalate your complaint to an independent dispute-resolution body. For many firms, this is the Financial Industry Disputes Resolution Centre Ltd (FIDReC), in line with MAS expectations.
Farringdon operates under Singapore’s Personal Data Protection Act 2012 (PDPA). This means:
• We obtain your consent (or rely on a lawful basis) before collecting or using your personal data.
• We apply reasonable and appropriate security measures to protect your data from unauthorised access, loss, or disclosure—whether stored digitally or physically.
• We use your data only for clearly defined purposes such as account management, compliance, and delivering our services.
• In the event of a data breach, you have rights under PDPA to request access, correction, or deletion of your data (where applicable), and may report concerns to the Personal Data Protection Commission (PDPC).
Your personal data is therefore managed under PDPA’s core principles: consent-based, purpose-limited, and protected by reasonable safeguards.
Yes. We have numerous detailed client stories and testimonials available at: www.ascentawealth.com
Our client satisfaction results show:
• 97% would recommend us to friends and family
• 96% believe working with us helps them achieve their financial goals
• 98% are satisfied that we understand their needs and objectives
Yes. Ascenta Wealth is rated 5 out of 5 stars on Google Reviews.
