How to Become a Financial Adviser in Singapore: An Honest Career Guide
How to become a financial advisor in Singapore in 2026: be at least 21, pass the CMFAS exams, get appointed by a firm, and know how the pay really works.
Careers
Starting out as a financial adviser or property agent in Singapore: licences, exams, costs, pay and how to choose a firm.
How to Become a Property Agent in Singapore: An Honest Career Guide
How to become a property agent in Singapore: take the RES course, pass two exam papers and register with CEA through one agency. Steps, costs, pros and cons.
5 min read
CMFAS Exam Guide: Which Modules a Financial Adviser Needs, Fees and Pass Marks
CMFAS exam guide for 2026: which modules you need (RES5, M9, M9A, HI, M8, M8A), fees from S$109 a paper, pass marks, formats and who is exempt.
6 min read
RES Exam and Course: Papers, Pass Mark, Fees and 2027 Dates
The RES exam has two 2.5-hour papers of 80 multiple-choice questions each, with a pass mark of 60. Course providers, fees and the 2027 exam dates from CEA.
5 min read
Financial Adviser Requirements in Singapore: Age, Education, Fit and Proper
Financial advisor requirements in Singapore for 2026: minimum age 21, A-Levels or a diploma, MAS fit and proper checks, and how the RNF register works.
5 min read
CEA Registration Requirements for Property Agents: Age, Fees and Renewal
CEA registration requirements for a property agent: age 21, four O-Level passes, a RES exam pass, fit and proper checks, a $280 yearly fee and 16 CPD hours.
5 min read
Financial Advisor Salary in Singapore: How Commission and Pay Really Work
Financial advisor salary in Singapore explained: first-year commission is capped at 55% of the total, and 60% of variable pay rides on advice quality.
6 min read
Tied Agent vs IFA vs Bank: Which Type of Financial Adviser Firm to Join
Tied agent vs IFA vs bank relationship manager in Singapore: how the three routes differ on products, pay, support and contract terms before you sign.
6 min read
Property Agent Commission in Singapore: How the Pay Really Works
Property agent commission in Singapore has no fixed rate, says CEA. See how co-broke, the agency split and 9% GST shrink a fee, with a labelled illustration.
5 min read
New Financial Adviser: What Your First 90 Days Really Look Like
A new financial adviser's first 90 days in Singapore: onboarding training, joint field work, first clients and a realistic weekly plan built on activity.
6 min read
Which Property Agency to Join in Singapore: Splits, Fees and Red Flags
Which property agency to join in Singapore? Compare the commission split, fees, training, leads and exit terms. Questions to ask and red flags to watch for.
5 min read
How to Choose a Financial Advisory Agency: Questions to Ask a Recruiter
How to choose a financial advisory agency in Singapore: 20 questions on allowances, clawbacks, targets, lead costs, training and exit terms, plus red flags.
6 min read
The Cost of Becoming a Property Agent in Singapore, and Your Runway
The cost of becoming a property agent in Singapore starts with a $512.30 exam fee and $340 in CEA fees. The bigger cost is months living with no commission.
5 min read
Cost of Becoming a Financial Adviser in Singapore: Exams, Fees and Runway
The cost of becoming a financial advisor in Singapore: about S$590 in 2026 exam fees, then the bigger cost, months of thin income. A runway illustration.
6 min read
Financial Advisers Act Explained: MAS Conduct Rules Every Adviser Must Follow
The Financial Advisers Act in Singapore for new advisers: fact-find, reasonable basis, disclosure, the 14-day free look and what gets you penalised.
7 min read
New Property Agent in Singapore: A Realistic Plan for Your First 90 Days
A new property agent in Singapore needs clients before anything else. How to find the first ones, pick HDB resale, rental or new launches, and plan each week.
5 min read
CEA Code of Ethics and the Rules Every Property Agent Works Under
The CEA Code of Ethics and the Estate Agents Act bar dual representation and handling client money. A plain guide to the rules, AML duties and penalties.
6 min read
Is Financial Advisor a Good Career in Singapore? An Honest Fit Check
Is financial advisor a good career in Singapore? An honest fit check: who tends to last, why people leave, and industry jobs that do not depend on sales.
6 min read
Is Property Agent a Good Career in Singapore? An Honest Fit Check
Is property agent a good career in Singapore? It suits people with savings, stamina and a network. A fit check, part-time rules and why people leave.
6 min read
Property Rules Every New Agent Must Know: Loans, Stamp Duty, HDB and CPF
The property rules a new agent in Singapore explains daily: 55% TDSR, 30% MSR, 75% LTV, BSD and ABSD, SSD, HDB MOP and CPF limits, with calculators.
7 min read