Farhan Jailani, Wealth Manager with SG Alliance in Singapore

You earn. You pay. What stays?

S$288,000

That’s 3 years of household income at S$8,000 a month, before deductions.

How much will still be yours?

Household income illustration only, before CPF contributions, taxes and spending. This is not the amount available to save or invest.

Which of these sounds familiar?

“I’m working. I’m paying everything. Why am I still here?”

You pay the bills. You help at home. You try to save. Then another expense comes along, and the money you promised not to touch gets used again.

Payday is already spoken for.

GIRO payments, groceries, transport, parents’ allowance. You check your balance and start counting the days to the next salary.

Another “one-off” expense.

Raya spending. A wedding contribution. The fridge breaks. You put money into savings, then keep taking it back out.

Mak and Ayah need help.

You want to help with bills or appointments. Whether you’re single or raising a family, your own plans still need room.

Better pay. Same bank balance.

The pay rise came. Instalments, meals out and convenience spending grew too. You earn more, but can’t see what you’ve built.

“We both work. We split the bills. But we’ve never sat down and worked out what we’re actually building together.”

“There’s money in the bank. But the home, the kids, Umrah and retirement are all supposed to come from that same pot.”

“I’m already paying for insurance and investments. I couldn’t tell you what I’ll get, or when I can use the money.”

“I keep meaning to invest. But what’s halal, what could I lose, and what happens if I need to stop paying?”

After the bills and family commitments, what is actually yours to build with? Let’s work out that amount, what needs to stay accessible and which goal to fund first. Then we can discuss whether investing fits.

People I've worked with

They did not come in knowing exactly what they needed either.

The useful part of a first conversation is often simply seeing your situation more clearly.

▶

Before

What felt unclear before the conversation?

▶

The Conversation

What felt different about talking it through?

▶

After

What became clearer afterwards?

If their situations sound familiar, your own financial picture may be worth looking at properly too.

Start with an amount that fits

What if part of your salary stayed for your future?

If my household can set aside

S$2,000 / month

Contributions only. No investment return is assumed.

S$240,000

put aside over 10 years.

5 years

S$120,000

10 years

S$240,000

Which goal could S$240,000 go towards?

Fees ready when your child starts further education

Your own retirement, alongside CPF

An Umrah or Hajj fund with an actual target

Money for a wedding, home or another priority

This is S$2,000 a month set aside, with no growth assumed. Could this fit after your bills, debt repayments and emergency savings?

Savings illustration only, not a product minimum or investment recommendation. Assumes no withdrawals; excludes returns, fees, inflation and taxes. Your affordable amount may be different.

Before you choose an investment

First, give every part of your money a job.

Money for Raya, school fees or a home deposit already has a job. Before investing, let’s separate what you’ll need soon from what you can leave for longer.

Cash

What bills and planned expenses need cash, even in a month when you earn less?

Investments

What is each plan meant to pay for? What are the fees, risks and terms if you stop?

Protection

If you cannot work, who pays the housing bill and keeps money going to your dependants?

Family & Legacy

Would your family know where the accounts and policies are, and how to get help?

Where you are ›What’s missing ›What you can do ›What each choice means ›Your decision

The next step may be building your cash buffer, reviewing what you already have or considering a suitable investment. It starts with your household’s priorities.

Farhan Jailani discussing a financial plan with a client

Why I look at money this way

I did not start my career in wealth management.

I'm Farhan Jailani, a Wealth Manager with SG Alliance Pte. Ltd. in Singapore.

Before wealth management, I spent more than 13 years across technology, solution architecture and project management.

That world taught me something I still use today: Do not start with the tool. Understand the objective, constraints, risks and trade-offs first.

I bring the same discipline into money decisions. A financial plan can look perfect on paper and still be wrong for the life around it.

And as a husband and father of four, I know these decisions are rarely just about numbers. They are about responsibility, family and what all the effort is ultimately for.

BA (Hons) Business and Management · University of Sunderland, UK President · Admiralty Wanderers FC Key Sponsor & Partner · Tanah Merah United FC Co-Founder · The Breakthrough Network

Money decisions are not the same for everyone

The plan should fit you. Not the other way around.

Professionals, Couples & Families

A salary, people depending on you, and plans you keep putting off.

Single and helping at home, planning a wedding or raising children? Start with your actual commitments, even if you already earn well or own investments.

Shariah-Aligned Investing

“Does this fit my faith, my budget and my family’s needs?”

Understand what an option invests in, its Shariah screening and certification, risks, fees and withdrawal terms before deciding whether it suits you.

International Clients

The first conversation may still be possible remotely.

For eligible clients in permitted locations, remote conversations and some onboarding steps may be possible depending on local requirements.

Book a session

Let’s put actual numbers to your plans.

A private 30–45 minute conversation about where your salary goes, what your existing plans do and what you could realistically set aside for your next goal.

Our first conversation

Bring your questions.
We’ll work through them together.

Come on your own or with your spouse. Bring a rough idea of your income, monthly payments and any savings, policies or investments you already have.

Where the money goes

Regular bills, instalments, family support and the expenses that keep catching you out.

What you’re already paying for

Your savings, insurance and investments. What is each one meant to do?

What you can build next

A goal, a timeline and an affordable amount, with risks, fees and Shariah preferences considered.

The Breakthrough Network · TBN

New connections. Shared ideas. Something worth building together.

Meet professionals and founders beyond your usual circle. I co-founded TBN to bring people together through good conversations, shared experiences and community events.

New to the community? Come along, open your doors or bring an event idea. There’s more than one way to get involved.

Meet the community

Join a gathering.

Expand your circle, exchange ideas and get to know the people behind the businesses. Ask about the next gathering and find one you’d enjoy.

Join via WhatsApp

Open your doors

Host the community.

Have a venue, workspace or experience to share? Bring people into your space and help create a gathering they’ll remember.

Host via WhatsApp

Create something together

Collaborate on an event.

Bring a workshop, business or community idea. Let’s explore an event that gives people something useful to learn, try or take part in.

Collaborate via WhatsApp

TBN is a community initiative, separate from financial advisory services.

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Not ready to talk yet?

Start with something useful.

Read a few practical pieces first. Come back when you're ready.

Why High Earners Can Still Feel Financially Behind

A practical look at why income alone does not always create financial progress.

Find my earning gap →

How Much Cash Should You Keep Before Investing?

How to think about accessible cash before committing money elsewhere.

Find my cash gap →

Islamic Estate Planning in Singapore: Where Should Muslim Families Start?

Why Faraid, Wasiat, CPF and insurance nominations, property ownership and family liquidity must be looked at together.

Find my estate gap →

Before you go

Could you answer these without guessing?

Open your banking app. Look at your payments and statements. These questions are easier to answer with the actual numbers in front of you.

Where did last month’s salary actually go?

Check GIRO payments, card bills, instalments, food and transport. Add help for parents and the spending you forgot to budget for.

Use what actually leaves your account to work out what you can consistently set aside.

Are all your plans using the same savings?

The wedding or home, children’s fees, Umrah, retirement. How much of that bank balance belongs to each goal, and when will you need it?

Give each goal an amount and a date before deciding what can be invested.

If next month’s salary didn’t arrive, what gets paid?

The housing payment, groceries and family support still need covering. How long could your available cash last, and what would your insurance actually cover?

Know which bills your safety net can cover before committing money for longer.

Do you understand what you’re already paying for?

Check your policies and investment statements. What are the fees, current values and withdrawal terms? What happens if you pause or stop payments?

Know what your existing plans do, including any Shariah screening, before adding another.

You do not need to have all four answers today.

Choose the question you found hardest. That is a useful place to start our conversation, even if your first priority is building savings before you invest.

You earn. You pay. What stays?

“I’m working. I’m paying everything. Why am I still here?”

Payday is already spoken for.

Another “one-off” expense.

Mak and Ayah need help.

Better pay. Same bank balance.

They did not come in knowing exactly what they needed either.

What felt unclear before the conversation?

What felt different about talking it through?

What became clearer afterwards?

What if part of your salary stayed for your future?

Which goal could S$240,000 go towards?

First, give every part of your money a job.

Cash

Investments

Protection

Family & Legacy

I did not start my career in wealth management.

The plan should fit you. Not the other way around.

Professionals, Couples & Families

Shariah-Aligned Investing

International Clients

Let’s put actual numbers to your plans.

Bring your questions.We’ll work through them together.

New connections. Shared ideas. Something worth building together.

Join a gathering.

Host the community.

Collaborate on an event.

Start with something useful.

Why High Earners Can Still Feel Financially Behind

How Much Cash Should You Keep Before Investing?

Islamic Estate Planning in Singapore: Where Should Muslim Families Start?

Could you answer these without guessing?

Where did last month’s salary actually go?

Are all your plans using the same savings?

If next month’s salary didn’t arrive, what gets paid?

Do you understand what you’re already paying for?

You do not need to have all four answers today.

Three years from now, what would you like to have built from all this work?

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Bring your questions.
We’ll work through them together.