How To Take Charge of Your Finances Simply and Effectively

Learn how Women are being Empowered to reach their financial goals and attain Financial Agility™ through Financial Coaching

Why Is Financial Agility™ Important?

It helps in Achieving..


Retirement Goals

Financial Goals

Lifestyle Goals

By managing your personal finances, you will be able to achieve all the above. You realize that you do have extra cash that can give you the freedom to spend on things that matter - whether it is that dream holiday, increasing your quality of life or growing your retirement fund.

How Can We Help?


Expense Concierge provides personalized cash flow management solution, coupled with Neuro-Linguistic Programming (NLP) coaching to help women start or accelerate their journey towards their financial goal.

Who Are We?


Rachel is a veteran of the banking industry with 20 years of experience and a Certified Coach & Psychotherapist in Neuro-Linguistic Programming (NLP). She set up her coaching company in Dec 2017, with a specialization in finance coaching - focusing on helping individuals build a healthy relationship with money, removing limiting beliefs around money and how to happily spend money, thus obtaining the maximum satisfaction from the spending.

She strongly believes the first step to financial freedom is financial responsibility. And the first step to financial responsibility is to get expenses under control without negatively impacting lifestyle.

Rachel is also a huge advocate of empowering individuals with choices and wholeness in their life. She uses NLP as a tool to help them achieve clarity and sets out the plan towards their goals.


"Rachel helps me get clarity and confidence in my personal finances. She just takes my statements, and does the magic of making it clear whether I'm financially healthy or not. With that knowledge I can

make good business decisions and confidently give my family the lifestyle that makes me feel proud. I wished I met her years ago. I would have amassed wealth so much earlier."

- Perry Lai , Business Owner

"As expats with kids at schooling age in Singapore, we’ve seen our everyday expenses go up 40% over the last three years without an increase in income and reduction of expat allowances. The EC team helped us define our lifestyle goals for our time in Singapore and how we can achieve those goals. In Singapore we’ve come across many “Financial Advisors” who are in fact simply paid sale brokers for banks, insurance companies and wealth management firms. EC distinguishes themselves by not selling any financial products and being fully transparent in their business model. Their simple fee for service model works well for us as we know exactly what we get for what we pay for."

— Anonymous*

*Due to the personal nature of information, all clients are assured of complete confidentiality and Non-Disclosure Agreement signed.

We don't sell you investment ideas. Our unconventional approach focuses on helping you recognise the nature of your cashflows, rethink about your priorities and bringing out the maximum efficiency from your existing financial resources. In that process, the improvement in your financial well-being is our biggest motivator.

Book Your Cash Flow-Coaching Session Today!

S$200 (U.P. S$450)

60 minutes
(worth $127)
5 steps to financial agility ebook
(worth $27)
1 year worth of financial management advice 
(worth $297)