Creating Opportunity

"Being in control of your finances is a great Stress Reliever."
- Wise Person

Why manage your personal finances?

Lower your expenses, not your lifestyle

Are you experiencing any of the following?

​● Living from paycheck to paycheck

● Earning a great income but don't know where all the money goes

● Bank account that isn’t growing even though you are working so hard

● Frustration at being “trapped” in a job just to make ends meet

● Cash that seems to disappear without a trace

● Aspirations to leave a legacy for your children

By managing your personal finances, you can be free from 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.


Who We Are

Expense Concierge provides personalized cash flow management solution to help busy professionals start or accelerate their journey towards their financial goal, so that they can be financially independent. We work with our clients to evaluate their cash flow status, work towards their financial goals and set up a structure. All this while maintaining current lifestyle as much as possible.


Apart from cash flow, we utilize Neuro Linguistic Programming Coaching to work on any limiting beliefs, evaluate your mindset and relationship with money. This provides clarity and focus in your financial goals and propels you towards achieving them.

We believe in giving back to the society and this guides our working principles. Our approach in helping our clients achieve their financial goal is unconventional such that we don't sell them investment ideas. Rather we focus on helping them recognise the nature of their cashflows, rethink about their priorities and bringing out the maximum efficiency from their existing financial resources. In that process, the improvement in our client's financial well-being is our biggest motivator.


"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.




UEN: 201735823Z