Michael Seow

Senior Financial Services Director
Prudential Assurance Company Singapore Pte Ltd

IBF Fellow (2020)

Financial Planning


With over 30 years of experience in Financial Planning, including the last 22 years in the practice of Business Succession/Estate Planning in the Financial Services Industry,  Michael honed his skills by helping families and business owners with matters involving family wealth and business succession issues, estate and trust planning, retirement planning, and asset protection planning. 

He strives to instil a deeper understanding of such challenging and sometimes emotional issues, so clients and advisors feel better prepared to make critical decisions on the planning, preservation as well as the transfer of wealth.

He has aligned himself with a great network of business professionals including Lawyers, CPAs, Trust Specialists and Business Consultants. This integration enables us to design a bespoke strategy for each client to help them ensure that their Business Succession Plan fits seamlessly into their larger Estate Plan. He often assumes the role of project coordinator to align the efforts of all professionals towards meeting the client's objectives.

Michael is a frequent lecturer in Buy/Sell and Trust Planning issues for the Singapore Chapter of the Society of Trust and Estate Practitioners ("STEP"), the Insurance and Financial Practitioners Association of Singapore (IFPAS), the Financial Services Managers' Association (FSMA).

1. A business should survive the death of its owner, thereby providing a future for the surviving partners/shareholders, families and employees.

2. Their children deserved a future protected from business risks.

3. For all the hard work and sacrifices in running their business and providing for their family, they deserved to retire with dignity.

4. Their financial accomplishments should be preserved as a legacy for their loved ones and/or a charitable organisation of their choice.

To help them stay on track to meet these objectives, there may be potentially five key areas of concern:
1. Asset Protection
2. Business Will
3. Credit Protection
4. Director/Keyman Liabilities
5. Employee Reward/Retention