Our Multi-disciplinary Team

Persis Hoo

“The most powerful weapon on earth is the human soul on fire.” – Field Marshall Ferdinand Foch

Persis is the eldest of 7 children in her family, a newly wed and a soon-to-be mother. She firmly believes in preserving family unity through effective legacy planning so that values and valuables may be transferred from one generation to the next. If done well, one family can change the world.

Persis graduated from the Singapore Management University with a Bachelor of Laws. She practised in various private law firms before deciding to step out to specialize in Estate Planning as a practitioner. In her years of private practice as a lawyer, Persis has drafted multiple wills, Lasting Power of Attorneys and made various court applications for Grant of Probate/Letters of Administration.

She has also assisted in contentious probate matters where she witnessed siblings fighting over millions of dollars worth of estate long after the parents have passed away. In the absence of a will, Persis has assisted clients in making enquiries into deceased’s estates to recover information on assets and the status of distribution.

Persis is a certified Estate Planning Practitioner with Precepts Academy Ltd. With her unique background in having witnessed the ugly side due to poor planning or lack thereof, she hopes to help as many clients as possible save themselves and their loved ones from going down the same path.

She would be happy to meet up for a chat or a Zoom call to understand more about your situation and evaluate how the various tools available may best preserve and grow your wealth and family unity both in your lifetime and in the generations after.

Adelina Koh - Our Legacy Planner

Adelina Koh

“Plan with a vision but live life by the moment for the best laid plans will not match what God has in mind for me.”

Being a mother of two, Adelina defines LOVE with the end in mind – estate planning. Inspired by 1 John 4:18 where perfect love casts out fear, she thinks love for your family starts with good planning to minimise risk through life insurance, managing obligations responsibly and transferring family values and not just valuables with continuity. Her goal is help clients maximise financial resources, steward valuables with values and minimise fear systematically.

Adelina Koh is an associate director with one of the top financial advisory firms in Singapore. She is a former PSC Humanities scholar, Certified Financial Planner (CFPCM) and Life Million-Dollar Roundtable (MDRT) qualifier (Court of the Table in 2021). She is also an Associate Estate Planning Practitioner (AEPP®) and holds a Certificate in Advising Small & Family Businesses (Cert.ASFB) and Certificate in Business Mandarin for Banking Professionals. Effectively bilingual in English and Mandarin, she is well known for simplifying complex concepts into layman terms in her public talks. Organizations she had previously spoken for include Procter & Gamble, Singapore Young Psychiatrists & Trainees, ST Aeromedical Centre, DNV Petroleum Services and CPF Board.  She was recently profiled in World of Watches and interviewed in Straits Times and Lianhe Zaobao. 

She is also active in the community, with six years with the Films Consultative Panel (FCP) previously and now Advisory Committee for Chinese Programmes (ACCESS) for Infocom Media Development Authority (IMDA). She also volunteers with Beautiful People (mentorship organization for teenage delinquents).

Jenny Chia - Our Legacy Planner

Jenny Chia

"As a true believer of what she advocates, Jenny not only talk the walk, but also walk the talk - she and her husband has set up their wills and trust legacy years ago, securing a proper estate plan for her loved ones and her intended religious and charity organisations."

Jenny is a mother of two girls and has been actively involved in church and community work for more than 20 years, working with students and teens in schools in their faith, formation and character development.

She graduated from the National University of Singapore, and has more than 15 years of experience specialising in helping families in their wealth and estate planning concerns as a Certified Financial Planner® and Estate Planning Specialist. Holder of the ASEP Certificate awarded by IBF As a passionate estate planning practitioner, she has also been invited to conducts talks and webinars for schools, churches, retirees, and organisations to create awareness about the importance of estate planning and how the latter goes hand-in-hand with wealth planning.

She is currently an Associate Director with one of the largest financial advisory firm in Singapore and has attained numerous awards including the prestigious international Life and Qualifying Member of the Million Dollar Round Table® (MDRT®) accreditation – an award recognition in the global financial industry.

Clifford Chew

"A good plan is established in love and wisdom, thoughtful and considers the family, and will foster strong relationships and a bountiful surplus to bless."

Clifford is an Investment Specialist and a senior practice mentor at one of the largest independently-owned financial advisory in the region.  With over two decades of investment experience through major market cycles, he believes in empowering through financial education and helping clients invest to secure their financial future.  He has been invited to speak at government agencies and high-tech private companies.

He is also an innovative and accomplished entrepreneur.  Through pioneering work in the industry, he has developed deep insights in areas of Digital Media, Artificial Intelligence, Data Analytics and FinTech.  This, coupled with the familiarity in investing across asset classes and global markets, gives him a keen eye to see investment opportunities especially in the technology and emergent industries.

Today, he helps individuals, including founders, employees, the self-employed and retirees, gain clarity of focus in the financial well-being of their families.  He believes that a good financial plan is established in love and wisdom, thoughtful and strengthens relationships.  It will also develop a bountiful surplus to bless others in need.

Clifford AEPP™ and Master Fund Adviser® graduated from NUS with a Master’s Degree in Knowledge Engineering (Artificial Intelligence) and holds certificates from Harvard Business School (Business Analytics and Economics) and Massachusetts Institute of Technology (FinTech).  He is currently a Doctoral student with Aston Business School in the UK.

Being an involved father of four, his passion is in guiding families with challenges and responsibilities to achieve financial goals with clarity and confidence, providing for their loved ones with values beyond valuables.

Joy - one of the esteemed speakers from the Estate Planning industry


"Joy is a mother of 3 young kids. Being a true believer of the work that she does, she and her hubby have written their Wills and set up a joint legacy trust 7 years ago"

Joy is one of the esteemed speakers from the Estate Planning industry. She represents Precepts Group International that has done more than 12,000 Wills. She is passionate about helping her clients to ensure all loopholes in their estate planning are covered to ensure minimal or no conflicts between family members, and one’s assets are protected for beneficiaries. She also helps families to create family banks as part of their family legacy.

She started doing estate planning in 2012 when her close friend’s brother passed away after he signed his ROM certificate, he left without a Will and 25% of his assets went to his father who left the family when he was young. This left her late close friend’s mother experiencing anguish and frustration as she felt her ex-spouse does not deserve his estate. Joy was then convinced that this is a crucial part of planning and she wants to help as many clients to avoid this situation.

She then took up the course on estate planning with Rockwills Institute Pte Ltd’s Association Estate Planning Practitioner (AEPP®) Certification Programme in 2012. This accreditation is awarded by the Society of Will Writers & Estate Planning Practitioners of the UK and Estate Planning Practitioners Limited (EPPL). From 2012 till now, she has been helping more than 200 clients and families in this aspect of estate planning. Being a strong believer in estate planning, she also educates the public on this topic by giving talks in various organisations such as National Library Board, Subordinate Court, Community Clubs, HSBC, Keppel Land etc and even invited to speak and share this with Financial Advisers in the Financial Planning Industry.

Kee Siew Poh

" There is nothing as certain as the certainty of death; and nothing as uncertain as the timing and moments at which death occur. "

Kee is a senior legacy planner with Lighthouse Legacy Planners, as well as an Associate Director with one of the largest financial advisory firms in Singapore. Her mission is to help top-notch key executives and professionals achieve a purposeful life beyond finance.

Through a well constructed value-based Wealth Creation & Estate Plan, she helps families grow from success to significance. The 3 “cheques” which she creates for her clients give them the assurance and confidence to redefine their retirement and to live the life they have always wanted. Beyond the passing of ‘valuables’, she helps her clients pass on some of the values that make them successful, such that their loved ones have enough to do something meaningful but not too much that they do nothing.

With over 19 years of experience in the industry and her hunger to learn and grow, she has a number of accreditations and credentials which demonstrate her commitment to excellence. She enjoys imparting her expertise through seminars & talks where she is well known for making complicated things simple.

Some of her accreditations and credentials as follows :

  • Million Dollar Round Table’s (MDRT) Court of Table (COT) accreditation every year for the past 12 consecutive years. COT accreditation represents less than 1% of the world’s best financial services professionals.
    Finalist of the FPAS Financial Planner Awards 2019
  • Top Student of the 2008 premier Chartered Financial Consultant (ChFC®) program Certified Financial Planner (CFP®)
  • Associate Estate Planning Practitioner (AEPP®)
  • Affiliate of the Society of Trust & Estate Planning (STEP)
  • Bachelor in Business (Hon) specializing in Insurance from NTU (Singapore).
  • Current Co-Chair of Marketing & Communication Board & former Chairperson of the Public Awareness Board of the Financial Planning Association of Singapore (FPAS)
  • A regular speaker for the CPF Talks nationwide and invited speaker at various events such as SIAS, SAF, SPH, Singhealth, HDB & TMC Academy
  • Featured in the media such as The Straits Times, Mediacorp & Channel News Asia and quoted in various magazines such as Reader’s Digest, Simply Her & CLEO
Mr. Derek Liang - the founder and director of Lighthouse Legacy Planners Pte Ltd.

Derek Liang

" In 2009, I was invited to a seminar entitled "The Christian perspective of Estate Planning". It was an AHA moment, knowing how God is so interested in this topic for the last 5000 years... That realization set me to embark on a personal and professional values-driven legacy planning journey since... "

Derek is the founder and director of Lighthouse Legacy Planners Pte Ltd. He also serves as the Advisory Director with finexis advisory Pte Ltd, one of the country’s largest independently owned FA. Besides his own practice, he is responsible to mentor a team of specialist advisers, and develop specialized capabilities in wealth succession planning. Today, Lighthouse Legacy Planners has its network of partners in Taiwan, Hong Kong, Indonesia and Malaysia. Since 2010, he has formulated a values-driven legacy planning approach that has helped more than 80 high-net-worth families leave their unique brand of family legacy. In 2019, he published his second book Next Generation Legacy Builder which has been distributed and sold to several East Asia countries.

Through his passion and dedicated service to his clients from senior professionals to business owners, he has received many industry’s top accolades including the Court of the Table and Rockwills CEO Awards (Trust Category). Most important, it was his clients’ testimonials that propel him to keep upgrading and keep raising the bar of his advisory work. Derek is a Certified Financial Planner (CFP®), Associate Estate Planning Practitioner (AEPP®), a STEP® Affiliate, and also holds an Advanced Certificate (Trust Services) from Wealth Management Institute, NTU. For his values-focused work, he was also featured in Sunday Times (ST, 10 Mar 2019).

Derek is an Institute of Banking & Finance (IBF) -accredited trainer on Digital Wealth & Succession Planning. He has spoken at various organisations including Standard Chartered Bank (Malaysia), Singapore’s Estate Planning Forum, Central Provident Fund Board, National Trade Union Congress, Academy of Principles (Singapore), Republic of Singapore Navy, Mount Alvernia Hospital, Firmenich Asia and Ricoh (Singapore) to name a few. He also contributed his works to Family First Singapore and Malaysia, a non-profit organisation that serves Asian families. Together with another senior legacy planner, Kee, both also conduct their signature half-day workshop, entitled “Leave a Heritage, not just an Inheritance”, since 2014.

Derek sat in the Editorial Board of Financial Planning Association of Singapore (FPAS) and the Advisory Board of GoalsMapper Pte Ltd, a financial technology firm he co-founded. He graduated with a First Class Honours in Electrical and Electronics Engineering from NTU (Top in Cohort) and Post-graduate Diploma in Christian Studies with TCA College. Derek is married to Ms Lynne Tan with 4 children and the family served passionately in Risen Christian Assembly.