Candid accounts from individuals and business owners who have worked with Fincrest — what they found useful, what shifted for them, and what they'd say to others considering these programmes.
← Back to Home"I came into the Foundations programme thinking I knew the basics already. What I found was that I had a lot of habits that I couldn't quite explain rationally. The decision journal in particular was more useful than I expected — I kept coming back to it well after the programme ended."
"The REIT programme gave me a much clearer picture of what I was actually looking at when I browsed the SGX listings. I'd been reading annual reports without a real framework. The toolkit they provided — especially the screening criteria list — has become a regular part of how I review my watchlist. It takes more time than I'd like to admit that I was doing before."
"As a business owner, I'd spent years mixing up my personal and business finances in ways I knew weren't ideal but never properly addressed. Marcus's approach was patient and non-judgmental. He helped me see the structure of what needed to change without making me feel like I'd been doing everything wrong."
"I appreciated that Raymond didn't try to tell me what to do with my money. The Foundations programme is genuinely about thinking more clearly — not getting advice. I came out of it with a better sense of how I was actually making financial decisions, and where the blind spots were."
"Lin is excellent at making technical information accessible. I'd tried to learn about REITs through YouTube and articles, but it never quite clicked. Working through real SGX data with someone who could answer follow-up questions made a real difference. I'd recommend this to anyone who's been putting off learning about REITs because it seems complicated."
"What I valued most was that the Business Mentorship programme started from my actual situation, not a generic framework. The health diagnostic was quite revealing — it identified areas I'd been vaguely worried about but hadn't looked at honestly. The integration plan at the end gave me a clear sequence of things to work through."
A 34-year-old professional in logistics found herself making several significant financial decisions in a short period — reviewing insurance cover, considering a property purchase, and reassessing her CPF allocation. She felt she was approaching each decision in isolation, without a consistent way of thinking them through.
The Foundations programme gave her a set of questions she could apply across different types of decisions. Concepts like opportunity cost and the time value of money — which she'd encountered theoretically before — became much more tangible when applied to her specific situations during sessions.
By the final session, she described the biggest shift as a reduction in second-guessing after decisions. She had a more reliable process for reaching decisions and was better at identifying when she was missing information versus when she was avoiding a choice she already had enough information to make.
A Singaporean who had been running a small interior design studio for four years came to Fincrest when his revenue had grown significantly but he still felt financially uncertain. He wasn't sure whether he was profitable after properly accounting for his own compensation, and his personal and business accounts were interleaved in ways that made it difficult to assess either clearly.
The business health diagnostic identified three key structural issues — absent owner's salary accounting, underpriced services based on incomplete cost visibility, and no buffer for business cash flow variability. The mentorship sessions worked through each of these areas methodically, adapting to the pace of what he could realistically change.
By the end of the programme, he had restructured how he drew income from the business, had a clearer picture of actual project profitability, and had separated personal and business accounts properly. He described it as going from running the business on instinct to having a basic but reliable financial view of what was happening.
Raymond Soh is a registered financial education practitioner under the Institute of Banking and Finance Singapore's framework.
Fincrest's data handling practices align with guidelines from Singapore's Personal Data Protection Commission.
Our business mentorship advisor holds CPA Australia membership and maintains continuing professional development requirements annually.
Our office at 16 Collyer Quay is accessible and conveniently located for participants across Singapore's central districts.
Established in Singapore since 2018, with a steady track record across individuals and business clients.
Collected through post-programme feedback across the three core programmes, on a 5-point scale.
We're happy to talk through the programmes and help you decide whether any of them might be a worthwhile next step.
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