I’m Rachael and here’s my story that’s still ongoing.
Growing up with a non-verbal special needs brother taught me to hear what people couldn’t say. That’s the work I show up to do every day, as a financial consultant who believes advice should impact your life, not just your portfolio.
In my advisory journey since 2017, I realized that people have investments and policies, but not a plan. There’s a difference. And it changed everything for me.
In 2017, I audited my very first financial portfolio – my family’s. What I found felt horrifying like a gaping hole turning into a sinkhole.
Solutions from different places, but no clarity given on how they came together. No one had asked them: what do you actually want your life to look like? or Out of 10 things, which were most important? No hard but necessary questions. No perspectives. No space or options to make decisions eyes wide open. The solutions and their lives didn’t quite match up.
A further consequence? The sense of confusion, helplessness and regret my parents went through, knowing my brother’s long-term financial care would likely fall to the last option they wanted – me. Especially when we were their highest priorities they had given their lives and worked hard for.
Imagine how they felt.
Imagine what better quality advice could have done for them.
I was angry at the “financial consultants”. But I realized they didn’t know any better.
The industry wasn’t built around your life.
It was built around products.
So I got to work ensuring others wouldn’t go through the same experience. Unbiased advice and solutions through independently-owned finexis, increasing per dollar value, and freeing up money for clients’ more important needs all became a norm.
Now that I’m writing this 10 years on in 2026, you’d think things would have evolved.
It has.
BUT it hasn’t improved.
And I see sales guised as advise.
To be fair, I think what ‘quality advice’ is has also evolved and is still evolving for me as I grow in my practice.
I will be writing more about them on my Instagram @alignwithrae. Follow along if you care about aligning all of your money with all of your life, if you believe that ignorance isn’t bliss, if you’d like to grow with me (I am not perfect), or if you’re simply curious and interested.
Rachael is an Executive Financial Consultant with EXO advisory group from finexis advisory, one of Singapore’s largest independently-owned financial advisory firms.
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