FHL Capital aspires to be a premier and trusted partner for the wealthy family businesses in the emerging economies. It builds and nurtures long-term trust and confidence with its clients by placing the clients' interests foremost. Its core business is to provide a holistic and systematic approach in assisting its clients meeting their long-term wealth management goals via innovative financial solution.
Besides serving the needs of accredited investors, FHL Capital conducts IBF-FTS (The Institute of Banking and Finance - Financial Training Scheme) course for professional Advisors in Financial Services Industry. This course is specially developed to equip the Advisors with the necessary skills and knowledge so as to conduct comprehensive financial planning for individuals and families with competence and confidence.
Joseph Teo Chin Seng 張振成 (CEO) Joseph Teo is the founder of FHL Capital. He was awarded Public Service Commission Scholarship to pursue his first degree (2nd Upper Class Honours, 1992) in National University of Singapore, majoring in Microbiology - Genetic Engineering. In 1996, Joseph left the public service to pursue his illustrious career in Financial Service (Life Insurance) industry with Great Eastern Life Assurance Company Limited (GEL). He was awarded the Chartered Financial Consultant (ChFC) and Chartered Life Underwriter (CLU) titles from the Singapore College of Insurance in 2001. Joseph had also consistently achieved the Million Dollar Round Table, Court of Table (COT) awards of the life insurance industry since 2000. He was also appointed by GEL to be the Chairman of its ALPS from 2002 to 2006. During his tenure with GEL, Joseph managed a clientele of about 100-150. His clientele comprised of mainly high income earning professionals and businessmen, with an average annual income of at least S$250K – S$300K. He had been actively managing their personal and family wealth since 2001.
Simon Teo Sin Min 張新民 (Director) Simon Teo joined FHL Capital in 2013, carrying with him 20+ years of working experience in Singapore real estate industries. During the course of projects undertaken by Simon, he dealt with various professional service providers in building industries and regulatory authorities. He has extensive network in Singapore real estate industries and maintains excellent relationship with the buildings’ owners. Simon provides valuable inputs to FHL with regards to all aspects of real estate and building management. He also assisted FHL in assembling a team of professional real estate service providers so as to execute FHL’s investment strategies upon successful acquisition of the target real estate. Simon is the elder brother of Joseph Teo.
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This material is intended for discussion purposes only and does not create any legally binding obligations on the part of FHL-Capital. Without limitation, this material does not constitute an offer, an invitation to offer or a recommendation to enter into any transaction. When making an investment decision, you should rely solely on the final documentation relating to the transaction and not the summary contained herein. FHL-Capital transacts business with counter-parties on an arm’s length basis and on the basis that each counter-party is sophisticated and capable of independently evaluating the merits and risks of the investment. This investment advice may not be appropriate for all investors and before entering into any transaction you should take steps to ensure that you have fully understand the nature of the investment and have made an independent assessment of the appropriateness of the investment in the light of your own objectives and circumstances, including the possible risks and benefits. You should also consider seeking advice from your own advisers in making this assessment. If you decide to enter into this transaction, you do so in reliance on your own judgment. Although FHL-Capital believes the contents of its document to be reliable, FHL-Capital does not make any representations as to the completeness or accuracy of the information.
This investment advice has been designed for sophisticated Accredited Investors. In the event you decide to enter the proposed transaction, losses to investments may occur due to a variety of factors - market values may be affected by market volatility, interest rates, exchange rates, time to maturity, dividend yields, migration of issuer credit ratings and other systemic factors. These and other factors are interrelated in complex ways, and as a result, the effect of any one factor may be offset or magnified by the effect of another factor.
If after making your own assessment, you independently decide you would like to pursue a specific transaction with FHL-Capital, there will be separate offering and other legal documentation of the terms which will (if agreed) supersede any indicative and summary terms contained in this document. FHL-Capital does not accept liability for any direct, consequential or other loss arising from reliance on this document.
You may not distribute this document, in whole or in part, without the express written permission of FHL-Capital.
