Keep it simple
We explain cash flow, CPF and debt without jargon. You should know what each decision means before you make it.
About Harmoniq Finance
Helping Singapore families live financially healthy lives.
Harmoniq Finance is a Singapore-based family budgeting consultancy built around one clear belief: money guidance should make sense at the kitchen table, not only in a spreadsheet.
Meet Our TeamHow we work
Our principles keep advice useful.
Trust is earned in small details: plain language, clear fees, careful listening, and plans you can actually follow.
Start with empathy
Every household has different duties, habits, and seasons. We listen first and avoid judgement.
Use local insight
Our work is grounded in Singapore housing, education, healthcare and cost-of-living realities.
Be open and careful
Consultation fees are transparent. We do not push financial products, and we treat your information with care.
Clear guidance for real households.
Why we're different
Local knowledge changes the plan.
A monthly budget looks different when it includes an HDB loan, preschool fees, eldercare support, and irregular income. Our financial literacy experts in Singapore work with those facts instead of asking you to ignore them.
Built for Singapore decisions
We help you place housing payments, CPF commitments and education goals in one workable view.
Experience that meets people
Our practitioners bring backgrounds in banking and social services to each conversation.
No product pushing
You receive a practical money plan, transparent pricing, and room to decide at your own pace.
The people behind the plans
A small team with practical experience.
We keep our client list focused so each plan gets thoughtful attention. Good support starts with a human conversation.
WD
Wullan Dhilippan
Lead financial literacy practitionerWullan helps families turn scattered expenses into a monthly system they can review together.
KW
Kamalia Murena
Family planning adviserKamalia focuses on childcare, eldercare and the conversations that make shared money goals stick.
AW
Anver Wailoon
Client education specialistAnver makes financial concepts easier to act on, with short steps and clear numbers.
Start a conversation
Bring us the money question on your mind.
Tell us what your household is trying to organise. We will reply with the next sensible step and explain the consultation fee before anything is booked.
Harmoniq Finance Pte. Ltd.
71 Robinson Road, #14-01
Singapore 068895
71 Robinson Road, #14-01
Singapore 068895