Mr. Wilfred Ling is a Chartered Financial Consultant and is qualified to provide comprehensive financial planning services including cash flow analysis, net worth analysis, credit and debt management, risk management (insurance), investment planning, retirement planning, tax planning, estate planning and CPF. Mr. Ling is a fee-based financial planner in which he charges fees to clients for services rendered. Mr. Ling’s interests and favorite subjects are: 1. Blogging – in which he uses public blogs to promote and increase financial literacy to members of the public and as well as provide valuable information to his clients via a private blog. 2. Writing for investment magazine in which he is a regular columnist. 3. Making money for himself and his clients through prudent asset allocation using passively managed funds such as Exchange Traded Funds (ETFs).