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How Does Professional Financial Advice Benefit You?

  1. Guidance on financial goal setting and how to reach them.

  2. Tailored financial plan to your goals and situation.

  3. Complete understanding of technical jargon.

  4. 24/7 professional portfolio management to give you more time to spend on things you love.

  5. Proven track record and investment strategy. 

  6. Guidance on startegic future investment withdrawals.

  7. Tax efficient products that optimise your investments.

  8. Transparent fee structure.




Meet Leading Financial Consultant
Elena Tsvetkova  


MAS Appointed Representative No. ET-300574361

Elena is a licensed financial representative of IPP Financial Advisers Pte Ltd and is currently part of the Expat Advisory Group team. She has a history of working in financial services with numerous nationalities, giving her the expertise needed to navigate various international markets and multi-currency investment products. Being born and raised in Singapore she is also very familiar with the local market and how to optimize one’s portfolio through investing whilst living in Singapore. Prior to her time as a financial consultant, she was part of the marketing team at Expat Advisory Group, IPP Financial Advisers which, equipped her with in-depth product knowledge across all areas of financial planning and insurance that allows her to always give the most suitable recommendation for you. 


Adjacent to her current role, she heads up Corporate Social Responsibility at the Expat Advisory Group, IPP Financial Advisers. In 2017, she wrote the CSR policy which states, “We aim to improve the lives of current and future generations by changing our daily habits and organizing more charitable activities that will improve the lives of others and the environment.” This policy also translates into her financial planning philosophy where she aims to improve the lives of current and future generation by providing them with the necessary financial advice throughout their various life stages. She also strongly believes in using investing as a tool to not only just improve the lives of her clients but also the world. In her spare time, she enjoys traveling and exploring new cultures that further deepens her knowledge of the global community.  

Elena Tsvetkova

My Podcast 'The Bigger Picture'

A podcast series brought to you by IPP Financial Advisers that shares insights on the latest trends, misunderstood, or not talked about enough topics in the financial services industry. Life is never just black or white and every topic should be explored from a different angle to see the bigger picture to help you make a more informed decisions when it comes to investing.


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00:00 / 11:18

Episode 1 - The Misconception of Life Insurance and why it is important to get it sooner rather than later


Join me on this month's episode of The Bigger Picture to educate yourself on life insurance, total permanent disability, and critical illness cover. I will also cover the often misunderstood aspects of getting a life insurance and why it is important to get covered sooner rather than later. 

My Podcast

Client Testimonials

Romantic Couple

Peter Drube - Principal Consultant (ProServe) - Global Financial Services APJC, Amazon Web Services

Working with Elena was an absolute pleasure, she assisted me with investment and tax planning - very knowlegeable of local products/services to maximise benefits. Elena was transparent in all the dealings encouraging me to consider alternatives to her portfolio recommendations. After sales customer service is outstanding. Elenea was also very patient in assisting and guiding my daughter through her first insurance and investment purchases. Highly recommend her prefessionalisn, product knowledge and support.

Ben Wright - Principal Technical Consultant, Aptitude Software

Elena was transparent and helpful when recommending investment products suited to my needs as an expat. Overall I am very happy with the result, and how she helped me navigate the complexities of international investment.

 Brenda Hurtrez - Director Sourcing, Enterprise Accounts, APAC, CBRE

Elena is a real pleasure to work with. She is very thorough and diligent in the information she provides and takes great care in answering all questions. I look forward to a long working relationship with Elena!

Happy Man

Chirag Amin - General Manager DePuy Synthes Spine Japan, Johnson & Johnson

Elena has provided sound and clear advice on retirement planning as well as structuring an investment package that supports my goals. Elena's flexible approach accommodated my requirements for sustainability whilst still focussed on an aggressive approach to returns.


Retirement & Financial Planning

Worried about your retirement? Need to make up the shortfall from not receiving company pension plan contributions? Let me help you identify the ideal ways to plan for retirement, with solutions that are specially tailored to your needs and wants, and suitable to your current financial circumstances.




Wealth & Portfolio Management

Enjoy personalised and comprehensive wealth management solutions, asset allocation advice with pro-active portfolio analysis and rebalancing. Benefit from our extensive in-house research and impartial advice, knowing that your risk profile, currency needs and exposure, investment horizon and all of your future plans, are well taken into consideration.

Tax Efficiency 

Do you have a Singapore Retirement Scheme account? Are you an Australian, South African or British Citizen or planning to relocate abroad in the future?  Either way, make sure you know all your options in advance.  I can provide you with the most recent and up to date tax efficient investment solutions so you can make the best decisions for your particular circumstances.


University Fee Planning

I can calculate the true costs of your child's education in various countries around the world. Then propose tailored individual solutions to offset some or all of the costs.

Life and Health Insurance

I can help ensure your family has the most cost effective and internationally portable cover that suits your family's needs now and in the future.

News & Views

News & Views

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