Financial Planning for Every Milestone

Helping parents build long-term financial security for their children

4 Key Milestones We Help You Plan

Empowering parents with inflation-adjusted future value estimates

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1. Tertiary Education
Plan for local or overseas university tuition and living expenses adjusted for education inflation.
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2. Wedding Celebration
Give your child a memorable wedding kickstart without straining your own retirement fund.
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3. First Home Downpayment
Help them secure their first property downpayment as they step into independence.
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4. Grandchildren Support
Pass on legacy wealth to support the next generation's birth and early care costs.
Launch Planner
Hazel Wong

Hazel Wong

Family First Financial Consultant
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About Hazel Wong

By parents, for parents.

As a fellow mom navigating the beautiful chaos of raising two young children, I know firsthand the overwhelming desire to secure their future without sacrificing the joys of today. Drawing on over a decade of experience as a financial adviser, I created Your Child's 4 Key Milestones Financial Planner to help parents like us turn the stress of long-term planning into a profound expression of love. This tool simplifies the journey ahead, giving you the clarity and peace of mind to stop worrying about tomorrow so you can focus on what truly matters: enjoying every precious moment of your children growing up right now.

Ready to calculate your child's milestones?
Interactive financial planner for university, wedding, property & more
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WHAT PARENTS SAY

Client Testimonials

Real feedback from parents who planned early for their children's financial milestones

★★★★★

"Working with Hazel was an absolute game-changer for our family. With a toddler and another baby on the way, we were overwhelmed by future education costs. Hazel broke everything down clearly into current dollars and inflation values, giving us total clarity and peace of mind."

Janice & Family
Janice & Family
Parents of 3yo & 1yo
★★★★★

"As a fellow parent, Hazel truly understands the balance between managing daily expenses and planning for big milestones like university and first-home downpayments. Her approach is empathetic, practical, and tailored to our family's goals."

David K.
David K.
Father of two (ages 5 & 2)
★★★★★

"Hazel made financial planning feel approachable and reassuring. She mapped out our children's tertiary education timeline and helped us automate our savings so we never have to worry about future inflation spikes."

Farhan & Aisyah
Farhan & Aisyah
Parents of 4yo & 2yo
★★★★★

"I loved how transparent Hazel was with the calculations. Seeing the exact breakdown for local vs overseas university costs gave my husband and me complete confidence in our long-term plan."

Nurul & Family
Nurul & Family
Mother of 3yo twins
★★★★★

"Hazel helped us map out a step-by-step financial roadmap that grows with our daughter. Knowing her tertiary education and early life milestones are structured and protected gives us immense confidence for the future."

Rany & Kenneth
Rany & Kenneth
Parents of a 4-year-old
★★★★★

"Hazel's guidance went beyond standard advice. As a mom herself, she offered genuine insights into balancing immediate family needs with future legacy milestones. Highly recommended to all young parents!"

Emily Tan
Emily Tan
Mother of a 2-year-old
★★★★★

"Calculating future costs in today's dollars versus inflation-adjusted figures opened our eyes. Hazel provided a stress-free framework that fits our monthly budget comfortably."

James Lai
James Lai
Father of a 6-year-old
★★★★★

"Hazel's structured milestone planner gave us complete peace of mind. We now have dedicated funds set up for education and key milestones without compromising our family's quality of life."

Nurul A.
Nurul A.
Mother of 1yo & 3yo
★★★★★

"Hazel's patience and deep expertise made all the difference. She took the time to answer every question and helped us create a financial safety net that will support our kids into adulthood."

Priya K.
Priya K.
Mother of a 5-year-old
★★★★★

"As parents, we always want the best for our kids. Hazel showed us how small, consistent actions today compound into life-changing support for university, wedding, and property downpayments later."

Sarah Tong
Sarah Tong
Mother of a 2-year-old

As Featured On:

Channel NewsAsia CNA
MoneySense Singapore
Made For Families
SG60
SuperMom Singapore
AFAS Singapore

and many more...

QUESTIONS & ANSWERS

Frequently Asked Questions

Everything you need to know about preparing for your child's milestones with Hazel Wong.

Tuition fees, healthcare, and housing costs in Singapore consistently rise faster than general CPI inflation. Over a 15–25 year horizon, standard education inflation hovers around 3.5%–4.5% per annum. Calculating today's costs without compounding inflation results in a 40%–80% funding shortfall when your child is ready to matriculate or buy their first home.

The earlier you start, the more work compound interest does for you. Starting when your child is between 0 and 3 years old means a small, affordable monthly sum ($150–$300) can comfortably reach a 6-figure goal. Waiting until secondary school requires roughly 3 to 4 times the monthly outlay to reach the exact same target.

A well-structured family plan rarely relies on just one product. Instead, utilising mixed investment instruments tailored to each goal's timeline is the most effective approach. For milestones with strict deadlines like university tuition, parents often prioritise capital stability and disciplined accumulation so the required funds are ready on time. For longer-term goals like a wedding fund or property downpayment, growth-focused investment instruments help outpace inflation over a 15- to 25-year runway. CPF can offer foundational support, but must be balanced carefully against your personal retirement needs. During our consultation, Hazel helps you select and blend the right mixed investment instruments suited to your family's cash flow and risk comfort.

Yes, absolutely. The preliminary 30-minute consultation (via Microsoft Teams or in-person) is complimentary and non-obligatory. It provides a structured milestone roadmap, clarity on realistic funding targets, and answers to your family's key questions.

Family dynamics, income brackets, and school selections evolve over time. Hazel conducts structured annual reviews to calibrate policy payouts, monitor investment trajectories, and rebalance allocations as your child nears university matriculation and marriage.

GET IN TOUCH

Connect with Hazel Wong

Have questions about your child's milestones or want to build a personalised savings roadmap? Send a message to get tailored, family-first guidance.

Hazel Wong
Hazel Wong
Family First Financial Consultant
IPP Financial Advisers Pte Ltd

"As a fellow parent, I believe in practical, stress-free planning. Let's discuss your timeline, compare savings vehicles, and build peace of mind for your family."

  • Location
    Singapore · In-Person & Virtual Consultations
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🔒 100% confidential
⏱️ Fast response within 1 business day
📋 Tailored milestone review & projections
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