Independent financial advisory · Singapore

helloI’m Denzel

Associate Director at Finexis Advisory. I design holistic portfolios built purely around your needs, not around any one provider’s products.

Denzel Chiam
finexis, a member of AscendAsia Finexis Asset Management Representative No. DC-300760278
0+Families looked after
$0M+In legacy portfolios
0+Partners on one shelf20 life, 32 general, 100 fund houses
0Advisors on my teamGrowing to 10 in 2026
About

Meet Denzel

I look after families, professionals and business owners who want their money handled with structure, clarity and care. Estate and legacy planning, investments and protection, all under one roof.

Clients describe the conversations as unhurried. I would rather understand your situation properly first than offer a perspective too early.

Chiam DenzelAssociate Director, Finexis Advisory
Finexis Advisory · Independent

Why independent matters

A tied advisor has one shelf. You have unlimited needs. Being independent lets me write across 20 life insurers, 32 general insurers and 100 fund houses in Singapore, so the recommendation follows your situation, not a product quota.

0Life insurers
0General insurers
0Fund houses
Provider logos: AIA, Allianz, China Life, China Taiping, Etiqa, Friends Provident International, FWD, HSBC Insurance, Income, LIC, Manulife, Monument, Singlife, Sun Life Financial, Swiss Life, Tokio Marine, Raffles Health, Transamerica Life Bermuda, Utmost Wealth Solutions
General insurance · 32 companiesMotor, home, travel, business and health cover, via Finexis Advisory
  • AIA
  • AIG
  • Allianz
  • Allied World
  • APRIL
  • Bupa
  • China Taiping
  • Chubb
  • Cigna
  • Delta Insurance
  • DirectAsia
  • EQ Insurance
  • ERGO
  • Etiqa
  • GMC Services (Tokio Marine)
  • Great American
  • Great Eastern General
  • HL Assurance
  • HSBC Life
  • Income
  • Liberty
  • Lonpac
  • MS First Capital
  • MSIG
  • QBE
  • Raffles Health
  • Singlife
  • Sompo
  • Great Eastern Life
  • Tokio Marine Insurance
  • Tokio Marine Life
  • Zurich

Plus 100 fund houses for investments, from abrdn and BlackRock to Capital Group and Dimensional.

In their words

What clients say

I appreciated Denzel’s attention to detail and his ability to anticipate potential issues before they became problems. When planning for my family, including discussions around LPA and estate arrangements, he guided us patiently and thoroughly. He is someone I trust to handle my family’s long-term priorities.

★★★★★Illya HoLawyer

Denzel focuses on structure, clarity, and doing things properly, qualities that are especially important in estate and legacy planning. In matters involving wills and trusts, precision is important. Combined with his sincerity and reliability, he is someone families can confidently trust.

★★★★★Amos SeahDeputy Director, Singapore Pools

I’d had some previous experiences with advisors that felt transactional, so I went in with cautious expectations. What stood out was how unhurried the whole conversation felt. He wasn’t pushing anything, he was genuinely trying to understand my situation before offering any perspective. The service rendered was exceptional.

★★★★★DorineAPAC Director

Denzel is thoughtful, precise, and highly professional. In estate and trust planning, he takes the time to consider long-term implications, not just for today, but for the next generation. He does not rush decisions and ensures every structure supports lasting family harmony.

★★★★★Gideon SimRegional Business Development Manager

In estate, trust and retirement planning, he looks beyond the present, carefully structuring plans that protect the current and next generation.

★★★★★Mui LiDirector, Loans
What I do

My services

01

Macro-Investments

Growing and drawing down capital with discipline.

  • Single Premium. One lump sum, invested once.
  • Dollar Cost Averaging. A fixed amount invested on a regular schedule.
  • Annuity. Turns savings into a regular income stream.
02

Life and General Insurance

Protection that matches the life you are building.

  • Hospitalisation. Covers hospital and surgical bills.
  • Term. Pure protection for a fixed period.
  • Critical Illness. A lump sum if a covered illness is diagnosed.
  • Travel and more. General cover for trips and everyday risks.
03

Life Planner

Planning does not stop at products.

  • Beyond policies. Where a business in my network can save you money, I will connect you.
  • Still growing. Bringing more businesses on board is one of my 2026 goals.
How I run my business

Built on introductions

My practice grows on introductions. When I look after one client well, they introduce the people closest to them, and those people do the same. That is why every conversation starts with listening, not pitching.

0

Building my team of 10 ethical, compassionate and competent advisors.

0

Impact 50 new mature and responsible young adults and business owners aged above 28.

+

Create new initiatives and onboard more businesses to aid clients better in their lives’ journey.

Let’s talk

No pressure, no product pitch. A conversation to understand where you are and where you want to be.