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.
As part of Farringdon Asset Management Pte Ltd, we are fully regulated by the Monetary Authority of Singapore (MAS).
Farringdon Asset Management operates under CMS Licence Number 100560. You can verify the firm and our advisers on the MAS website.
The Ascenta Wealth brand was founded in April 2021 by Paul Charles, Daniel Purchon and Rory Brown, combining decades of experience in expat financial planning.
All our advisers are professionally certified, meet the required MAS regulatory standards in Singapore, and hold leading UK financial planning qualifications.
Rory Brown — Level 7 Diploma in Advanced Financial Planning (CISI), the highest qualification in the profession, with specialist Level 6 certificates in Advanced Financial Planning and Pension Transfers. Licensed as a Financial Adviser Representative by the MAS since 2015.
Daniel Purchon — UK Chartered Financial Planner (CII), with Advanced Diploma in Financial Planning and Level 6 certificate in Private Client Investment Advice & Management (PCIAM). MAS regulated since 2010.
Paul Charles — Investment Advice Diploma (CISI) and Chartered Financial Consultant (ChFC), along with multiple CMFAS qualifications and Certified Financial Planner certificates. He has extensive experience across financial planning, investment advice, and insurance. MAS regulated since 2010.
Simon Chegwidden — Fully qualified in both the UK and Singapore and regulated by MAS since 2016. He has a background as a UK independent financial adviser and mortgage specialist, with expertise in cross-border financial planning.
We operate on a fee-only basis, which means we do not accept commissions from investment product providers. Our advice is designed to be fully independent and aligned solely with your best interests
• No investment commissions
• No hidden charges or unexpected costs
• No lock-ins
You will always know exactly what you're paying for initial and ongoing advice, creating full transparency and a trusted, client-first partnership.
We work with British and international clients in Singapore and around the world who want clear, transparent financial planning. Our clients include expats, senior professionals, business owners, high-earning families, and those preparing for or already in retirement — many with assets spread across multiple countries. Whatever stage you're at, we provide independent, fee-based advice designed to support your long-term goals with clarity and confidence.
Yes, we work with clients worldwide. You do not need to be based in Singapore to become a client, and if you move overseas after engaging with us, we can continue working together.
No. Although we have considerable experience helping British expat families, we also work with clients from many other nationalities, including Australians, Indians, and Singaporeans. Good financial planning is often less about where you come from, and more about where you're heading.
Yes. Ascenta Wealth has extensive experience advising Australian expatriates in Singapore and regionally with financial planning.
Yes. We assist Non-Resident Indian (NRI) clients with financial planning, investment structuring, and long-term wealth strategies.
Yes. We work with many European clients living in Singapore who have cross-border financial planning needs.
Yes. Retirement planning — including early retirement — is one of the most common goals we help clients with. Whether you are several years away, approaching retirement, or already retired, we review your assets, savings, desired lifestyle, and tax position to build a clear cash flow plan. We then structure pension income and investment withdrawals, and carry out stress testing to help ensure your wealth is sustainable and your income supports your long-term needs.
Yes. Wealth planning is valuable at every stage of life. We often work with HENRY clients (High Earners, Not Rich Yet) who are in the early stages of building wealth and are often internationally mobile. They typically want to make better use of their income through structured investing, tax efficiency, and long-term planning.
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. We advise clients both before and after a business sale. This includes pre-sale planning, tax optimisation, and structuring sale proceeds to help protect and grow long-term wealth. Following a sale, we help clients transition from business ownership to sustainable income by putting a clear long-term financial plan in place.
Yes. We provide calm, supportive guidance during a difficult time. We help organise assets, clarify next steps, and ensure your finances are restructured to support your future. This can be particularly complex when dealing with assets spread across multiple jurisdictions.
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 minimum investment amount. However, we only work with clients who meet the Accredited Investor criteria under the Monetary Authority of Singapore (MAS) framework. This typically includes individuals with annual income of S$300,000 or more, financial assets of at least S$1 million, or total net personal assets exceeding S$2 million. If we are not the right fit, we will always point you in the appropriate direction.
Yes. Many clients hold assets across the UK, Singapore, Europe, Australia, and other regions. We specialise in cross-border planning and help you manage everything as a whole, creating a clear global picture when planning your financial future.
Yes. We can 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.
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.
Yes. SIPPs are a core part of our UK–Singapore cross-border work. We help you select suitable SIPP providers, design an appropriate investment strategy, and manage your pension in line with UK regulatory requirements.
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 within your long-term retirement plan—particularly 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, taking into account 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 liability, and integrating pension withdrawals into your broader retirement and cash-flow plan.
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 with FCA-regulated firms who can provide the necessary transfer advice where required.
Yes. We offer globally diversified ESG portfolios and can tailor your investment approach to align with your values. This includes exclusion-based strategies, impact investing, and sustainability-tilted portfolios suitable for international investors and expats.
Yes. We help clients who have received an inheritance to invest it sensibly and structure it thoughtfully — balancing investing, saving, gifting, and protecting inherited wealth, and integrating the new wealth into your long-term financial plan. For British expats, we also advise on UK Inheritance Tax (IHT) implications and tax-efficient investment structures while living overseas.
Yes. We specialise in UK Inheritance Tax planning for expats living in Singapore and internationally — even though IHT exposure can still apply when living outside the UK. 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. 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 mortgage decisions fit into your wider financial plan. For the application process, we work with UK-regulated mortgage brokers and support you throughout, whether you are purchasing, refinancing, or remortgaging a UK property.
Yes. We can help you understand whether equity release or a lifetime mortgage may be appropriate based on your goals, long-term needs, and family considerations. Any regulated advice and application must be carried out by a UK-authorised equity release specialist. We work alongside qualified advisers and support you through the process as part of your broader long-term financial planning.
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 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.
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 planning, currency and FX considerations, education fee planning, estate and cross-border planning, and repatriation advice for clients returning to the UK.If it's important to your financial future, we're here to help.
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.
You can meet us in person or via online video consultation, depending on your preference and location.
We're happy to meet at a location convenient to you, or happy to host at our office which is located at Ocean Financial Centre (10 Collyer Quay, #03-06, Singapore 049315).
You don't need to bring any formal documents. This is an informal initial meeting designed to help us understand your situation and for you to see whether we're the right fit to work together. It's helpful if you have a general idea of your goals and priorities but there's no need to prepare anything in detail.
We'll talk through your current financial situation, your long-term goals, and what you're hoping to achieve. We'll also explain how our transparent, fee-based approach works, how it differs from commission-driven advice, and how financial planning and investment management are delivered at Ascenta Wealth. By the end of the meeting, you should have a clear understanding of whether our approach is the right fit for your needs, and how we could work together going forward.
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.
Absolutely not. The initial meeting is purely about getting to know each other and seeing if we're the right fit to work together. We're very much advice-led rather than sales-focused, so there's no obligation to proceed.
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.
We work at your pace. For long-term clients there's no restriction on the number of meetings, but we recommend meeting at least twice a year to review your plan, portfolio and goals. Beyond that, you can speak to your adviser whenever your circumstances change or you need guidance. Some clients prefer frequent contact and updates, while others take a more hands-off approach with structured annual or mid-year reviews — we adapt our communication to suit you, so the frequency is based entirely on your needs.
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 leaves the firm, you remain in full control of your relationship and who you choose to work with. You can decide to continue with Ascenta Wealth and be introduced to a new adviser, or move with your adviser to another firm if you prefer — the choice is entirely yours. If an adviser leaves the industry, we'll ensure a smooth handover and continued support from another qualified adviser within the firm, so your planning continues without disruption.
Yes. We can provide a sample financial plan and portfolio example so you can see the level of analysis, structure and clarity you can expect. This includes your goals, timelines, cashflow modelling, investment portfolios, and clear planning recommendations.
Yes. All clients receive secure login access to our online investment portal where you can monitor your accounts, view performance and access documents and reports.
Yes. We offer an introductory meeting, either by video call or in person, at no cost. This gives you the opportunity to understand our approach and decide whether we are the right fit before making any commitment.
Ascenta Wealth operates on a transparent, fee-only basis. We charge an ongoing, asset-based advisory fee calculated on the value of the investments we manage for you, starting at 1% per annum, with reduced rates available for clients with larger portfolios. There are no investment product commissions or hidden charges — all costs are agreed in writing and in advance, so you'll always know the exact rate that applies to you before you proceed.
The fee depends on the complexity of your planning requirements. All fees are agreed and invoiced before work begins. Our minimum financial planning fee starts at SGD 3,000 + GST.
No. Ascenta Wealth does not accept commissions for investment business. We do not use trail-commission paying funds or recommend commission-based plans. Our service is fully transparent and fee-only.
Our ongoing charges are in line with, and often more competitive than, the average cost of regulated financial advice in the UK. Our fee-only model is usually significantly more cost-effective than commission-based advice in Singapore, and we align closely with UK best-practice standards — providing transparent advice with no product-driven incentives.
Our aim is always to provide the highest standards of service, underpinned by genuine care and attention for our clients. If something goes wrong or you are not satisfied with any aspect of our service, please contact us directly — we want to understand your concerns and will always do our best to put things right promptly and fairly. However, if you wish to make a formal complaint, our full complaints process is set out in our Terms and Conditions. Complaints regarding our products or services can be addressed in writing to the Compliance Officer (Farringdon Asset Management, Ocean Financial Centre, 10 Collyer Quay #03-06, Singapore 049315).
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, such as the Financial Industry Disputes Resolution Centre Ltd (FIDReC), in line with Monetary Authority of Singapore (MAS) expectations.
Farringdon operates under Singapore’s Personal Data Protection Act 2012 (PDPA). Your personal data is therefore managed under PDPA’s core principles: consent-based, purpose-limited, and protected by reasonable safeguards. 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).
Yes. The best way to answer this is to let our clients speak for themselves. You can read their stories and experiences on our Client Stories page. Please also see your individual advisers LinkedIn profile page for other testimonials.
We are continually seeking to evolve and enhance our client service proposition. Our most recent 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 has received a high volume of 5-star reviews on Google from our clients.
