Shae Heng AIA FA Financial Consultant

Ascendance Wealth Management is an authorised Representative of AIA Financial Advisers Pte Ltd (Reg No. 201715016G)

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Plan Bold. Live Gold.

With years of experience in financial consulting, I specialise in family and retirement planning for clients in Singapore. I provide structured, personalised strategies that help families grow their wealth, protect their loved ones, and retire earlier than their peers. From budgeting and protection to long-term investment planning, I’m committed to helping you achieve financial clarity and confidence at every life stage.

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My Recent Achievements

Areas of Expertise

With a deep understanding of her clients’ evolving life stages, Shae helps them make smart, forward-thinking decisions—whether it’s building a strong foundation for their family or securing a comfortable, early retirement. Her approach is practical, personalised, and always focused on long-term financial confidence.

Family Financial Planning

Family planning is more than just saving — it’s about creating financial stability that supports every stage of life, from starting a family to preparing for your children’s future. When done right, it ensures that you can provide for your loved ones today while securing the freedom to retire earlier than most.

Retirement Planning

To many Singaporeans, Retirement is being able to withdraw their CPF Life payout — however, it’s should be about reaching a level of financial freedom where you can choose how you spend your time. By starting early and planning intentionally, you can enjoy a comfortable retirement, free from financial stress, and even earlier than your peers.

Wealth Accumulation

Wealth accumulation is the foundation of financial freedom — built through consistent investing, disciplined saving, and smart portfolio design tailored to your goals

Insurance Optimisation

My approach focuses on building sustainable wealth with disciplined savings and investments — while ensuring insurance coverage is comprehensive yet cost-effective. By keeping premiums lean and purposeful, my clients are able to channel more towards long-term growth without overpaying for protection. The result? A well-balanced financial plan that supports both their present lifestyle and future freedom.

Customer testimonials

What my clients say:

With the little time my wife and I have known Shi Hwee, we can confidently say that she is one of the most responsible, detailed and thoughtful financial advisors we have ever worked with. What impressed us most was that she takes it upon herself to ensure that the plans cater very specifically to our needs. Shi Hwee also goes the extra mile to share with her clients her deep understanding of financial markets and investment strategies, and she has always taken the time to explain any financial concepts we were unsure of in a way that is easy for us to understand. What sets Shi Hwee apart from other FAs is her dedication to their clients. She is always available to answer any questions or concerns we may have (even while she was overseas on holiday). She has even sent birthday presents to us much to our pleasant surprise. 😊😊😊 Safe to say, we trust Shi Hwee implicitly with our financial future, and we grateful for her expertise and guidance in the past year.

Steifan, 30
SAF Regular

I had a great experience working with Shae to plan out my finances! She is well versed with the different policy options and what I appreciate is how she takes time to speak to me and to understand my current financial situation and goals for the next few years before recommending a plan that is best tailored to my needs. Besides that, Shae is always diligent to share market updates and to give insights on how I can better manage my finances and to always ensure that I do not miss out any good opportunities. Her weekly updates on her telegram channel also imparts nuggets of wisdom to clients like myself and the information shared is always so relevant and useful especially as I plan out my finances. Shae is a financial advisor that goes beyond just selling policies and is truly an advisor who cares for her clients and is passionate to help her clients build their finances.

Yiik, 26
Police Officer

I would like to express my heartfelt gratitude to Shi Hwee for her assistance during a recent injury I sustained to my chest. When I reached out to her, she promptly arranged for a panel doctor and ensured I received pre-approval from my insurer. Her diligence didn’t stop there; she consistently followed up on all my subsequent check-ups until I was fully recovered. Shi Hwee’s dedication and care made a challenging time much more manageable, and I am incredibly grateful for her support.

Gordon, 25
Student

Shae was able to evaluate my portfolio quickly and help me to identify my gaps. She was straightforward to addressing my concerns and quick in her replies. As an auditor who nitpicks on numbers, she gives me the assurance that she is knowledgeable and had done her research thoroughly before advising. She was very friendly in sharing life tips too! Overall, I feel safe to entrust my financial portfolio to her!

Zeng Lin, 31
Account Manager

I would like to extend my heartfelt gratitude to Heng Shi Hwee for her exceptional professional advice with my retirement planning. She has meticulously ensured that at every stage of my life, I am able to receive bonuses from the investment profiles she recommended. Her advice has not only secured my financial future but has also guaranteed that my medical and healthcare needs are fully covered. With Heng Shi Hwee’s guidance, I feel a profound sense of relief knowing that I will never have to worry about financial insufficiency or the need to depend on my child in my old age. Her expertise and dedication have truly made a significant difference in my life. Thank you, Heng Shi Hwee, for your unwavering support and professional excellence.

Cherrish, 54
Marketing Manager

I have been thoroughly impressed with Shi Hwee as my insurance agent. Having known her since 2018, I was thrilled when she began her career as an insurance agent in 2023. Shi Hwee is knowledgeable, professional, and incredibly responsive. She provides clear answers and tailors insurance plans to fit my needs, offering valuable insights and recommendations. Her genuine care and dedication make the process seamless and stress-free. I feel confident and well-informed about my insurance choices, knowing I’m in good hands with Shi Hwee. I highly recommend Shi Hwee for her exceptional service and commitment to customer satisfaction.🥰

Jia Yin, 28
Accountant

As someone who is unfamiliar to investments and insurance, I had a lot of doubts purchasing a plan. She is patient and professional throughout, answering each of my many questions to clear those doubts, and has helped me to design a plan within my means while fulfilling my requirements for coverage and retirement. Highly recommend SH for insurance advisory.

Lee Hwan, 59
Banker

Shi Hwee has been extremely helpful in advising the suitable insurance plan for me. As someone who has very little knowledge about insurance plans, she was able to explain very clearly and recommended the best coverage for me. She always checks in with me to ensure there’s no doubt, and whenever there is – her response is almost immediate. What I really appreciate is that she didn’t pressure me to sign the insurance plan and was extremely patient to wait for me to decide. Definitely a financial advisor who always considers my best interest at heart!

Shannon, 31
Accountant

Take Charge of Your Financial Future — One Conversation at a Time.

My goal as a financial advisor is to help my clients retire earlier than their peers — in a way that is safe, steady, and sustainable. I believe in building a solid financial foundation that not only secures their future but also allows them to enjoy the pleasures of life today. Through thoughtful planning and balanced strategies, I guide my clients to achieve financial freedom without sacrificing the lifestyle they value.

Contact me today!
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* Financial Disclaimer: It should be noted that results, earnings and income claims made are based on clients’ individual background, capacity, goals and experience. There is no assurance that examples of clients’ results can be duplicated in future. We cannot guarantee your future results and/or success.
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