Pre-retirees
Turn accumulated savings into a clearer retirement income strategy while protecting flexibility and legacy goals.
Retirement & financial planning in Singapore
Build your wealth.
Prepare for retirement.
Helping individuals and families plan ahead, with a focus on those approaching retirement. Together, we connect your protection, investments and retirement income to the life you want.
Your adviser
Nazri Kharis
Role
Senior Financial Consultant & Practice Mentor
Representing
finexis advisory
Your future, made understandable
Good financial planning should be easy to understand.
Your financial life is not a collection of products. It is a series of decisions about the people you care for, the freedom you want, and the future you are building.
I help you see how the pieces connect, identify what matters most now, and take the next step with greater confidence.
My work in numbers
- Unit trust assets under management (Cash & CPF)
- S$4 million
- Investment-linked life policies (Cash)
- Over S$500,000
- Lives covered by life insurance
- Over 120
- Lives covered by health insurance
- Over 120
- People supported with wills & LPA
- 30
Claims experience
- 1 death claim
- Over 20 personal accident claims
- 10 travel insurance claims
Life and health insurance counts may include the same people.
Families and Young Individuals
Strengthen protection, education funding and long-term wealth plans around the life you are building together.
Professionals & business owners
Coordinate personal wealth, risk management and business priorities without losing sight of cash flow.
Everyday cover & business protection
General Insurance for Individuals & Businesses
Cover for everyday needs and business risks, with guidance to help you find suitable protection.
For Individuals
- Travel insurance
- Motor insurance
- Domestic helper insurance
And more, based on your needs.
For Businesses
- Public liability
- Professional indemnity
- Work injury compensation (WICA)
- Foreign worker medical insurance (FWMI)
- MOM security bonds
And more, based on your business.
Freedom today. A future you can plan for.
Your Life Milestones
What would you like your money to make possible? We start with the life you want, then connect each milestone to a timeline, a budget and a financial plan.
Career & new beginnings
First job, career changes and business goals.
Explore milestones
- Starting your first job and repaying study loans
- Changing careers or taking on a leadership role
- Starting a business
Home & property
Your first home, an upgrade or property investment.
Explore milestones
- Buying your first home or car
- Upgrading your home
- Planning a property investment
Family & loved ones
Marriage, children and caring for parents.
Explore milestones
- Getting married and having children
- Funding education and enrichment
- Taking time off to care for children or ageing parents
- Supporting your parents’ retirement and bucket list
Lifestyle & personal freedom
Travel, hobbies and time away from work.
Explore milestones
- Holidays, travel and your personal bucket list
- A serious hobby or lifestyle upgrade
- A sabbatical or mini-retirement
- Creating more work-life balance
Retirement on your terms
Early retirement, income and long-term care.
Explore milestones
- Early retirement, semi-retirement or retirement at your chosen age
- An active, fulfilling retirement
- Income for everyday needs and the things you enjoy
- Planning for healthcare and long-term care
Legacy & the next generation
Family support, estate wishes and giving.
Explore milestones
- Supporting grandchildren
- Leaving a legacy and clarifying your estate wishes
- Business succession
- Charitable giving
Keep your milestones on track
Your plan should make room for life’s changes. Together, we review how your savings, protection and income can support you and your loved ones if your health, career or family circumstances change.
Let’s start with your priorities
Which milestones matter most to you?
Choose the ones that fit your life. There is no fixed order or timeline.
- What would you like to achieve, and by when?
- Can your current cash flow and resources fund it?
- What gaps or setbacks could put it at risk?
Four connected areas of financial life
Your Financial Marathon, Towards Retirement and Beyond
Every stage needs a different strategy, from protecting your starting point to building a legacy beyond the finish line.
Income & Asset Protection
Like running shoes that cushion every step, suitable insurance helps soften the financial impact of illness, injury and unexpected setbacks.
Wealth Accumulation & Growth
Like consistent training, disciplined saving and investing help build momentum towards your financial milestones. Reinvesting dividends can support long-term growth.
Wealth Preservation & Retirement Income
As retirement approaches, adjust your pace and manage risk. Plan how CPF payouts, savings and investment income, including dividends, can work together to support your lifestyle throughout retirement.
Investment values and dividend payouts can change; dividends do not guarantee capital preservation.
Wealth Distribution, Legacy & Trusts
Your impact continues beyond the finish line. Thoughtful planning, including wills and trusts where appropriate, helps pass your wealth and values to the next generation according to your wishes.
The Wealth Finesse approach
Clarity before commitment.
Before discussing solutions, we establish where you are, what matters, and which trade-offs deserve your attention.
“A plan works best when you understand why each decision belongs in it.”
Nazri Kharis
-
01
Discover
Start with your story, preferred lifestyle and life milestones. Map what you want to achieve and when.
-
02
Diagnose
Review your existing portfolio for gaps, overlaps and unnecessary costs. Assess whether your cash flow supports your goals, and how setbacks could affect them.
-
03
Design
Allocate your resources around suitable protection, wealth building and retirement income strategies. Understand the reasons, risks and alternatives behind each recommendation.
-
04
Review
Use your milestone plan to track progress. Revisit your portfolio, income needs and priorities as markets and life stages change.
Our journey in practice: 6 steps
Whether you enquire directly or are introduced by someone you know, our journey typically starts with a short phone call. These six steps guide us through Discover, Diagnose, Design and Review, at a pace that suits you.
- A short introductory call · Discover
A five-minute phone call to get acquainted, understand what prompted you to reach out and confirm your financial objectives.
- Our first meeting · Discover & Diagnose
Understand your financial situation, goals, existing plans and risk profile.
- A feedback check-in · Diagnose
After our first meeting, we’ll invite your feedback, either directly or through the person who arranged our introduction, to check that the session was clear, comfortable and met your expectations. We’ll address any questions or concerns before moving ahead.
- Our second meeting: your strategy · Design
Discuss suitable strategies and recommendations in a private setting, such as the finexis office or a venue you prefer.
- Putting your plan into action · Design
Proceed with implementation only when the recommendations make sense to you and you agree.
- Ongoing reviews · Review
Track progress and revisit your plan as your priorities, circumstances and life milestones change.
Ongoing service, agreed together
When you come onboard, we discuss what good service means to you, how you prefer to keep in touch and which service category suits your needs.
Explore client servicesClient Experience and Testimonial
Real journeys, shared with permission.
Selected client experiences will be featured here. Names and personal details will only be shown with each client’s approval.
Wealth protection & retirement planning
Dian Sharip
SIA Steward Trainer with Scoot · Ex-Cabin Crew
I am fortunate that Nazri helped me consolidate my entire wealth portfolio. He was even able to increase my coverage while reducing my premiums, which was something I didn’t expect.
Using the GoalsMapper software, Nazri clearly showed how my financial plan works and why the coverage is important to protect my retirement wealth. After going through the review, I felt much more confident about my financial position.
I’ve already introduced three of my friends to Nazri, and they also had good experiences with him. I would definitely recommend anyone who hasn’t reviewed their financial plan recently to have a chat with Nazri.
Wealth portfolio planning
Christine
Events Solopreneur
Nazri has helped me gain greater clarity and confidence in managing my wealth portfolio.
He introduced me to an investment platform that offers both liquidity and transparency, allowing me to better understand and monitor my investment performance.
With this level of clarity, I feel more confident about my investments and working towards my long-term financial goals.
Wealth accumulation & retirement planning
Zhi Wei
Resident Engineer (Civil) · View the original LinkedIn story
Fast forward to today, I had the privilege of helping a longtime engineering colleague further strengthen his wealth portfolio through better diversification, structured planning and risk management.
We came to an important realisation: retirement funds are not something to gamble with. Structured long-term investing can be more sustainable and resilient than chasing high-risk opportunities promising quick returns.
Wealth planning is not only about growing money. It is also about protecting what you have worked hard for while creating stability and peace of mind for the future.
Good planning is worth sharing.
Know someone approaching retirement, starting a family or looking for clarity about their finances?
Share this page with them so they can get to know my approach and reach out when they feel ready.
Your next step
You do not need every answer to begin.
Begin with one question: what would you most like your money to make possible?
Start a WhatsApp conversationMessage Nazri directly to arrange an introductory financial planning discussion.