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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 Pryor  


MAS Appointed Representative No. ET-300574361

Elena, is a Financial Services Manager from IPP Financial Advisers with over 7 years of experience, who specialises in financial planning and wealth management for Singapore expatriates and locals. She tailors your recommendation to your individual financial goals and plans for the future. Wether you are planning to stay in Singapore long term or be a global jet setter her multi currency globally portable solutions allow you to live anywhere in the world and still be able to continue your investments here in Singapore. Her aim is to create a set up that will last you through all stages of your life and help you achieve your goals no matter where you end up in the world. 


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. 

00:00 / 09:22

Episode 2 - Robo-Advice Vs. Traditional Financial Planning - Which one is for you?


In a world where technology is rapidly changing the way we manage our finances, it's important to understand the pros and cons of different approaches. Join us as we explore the debate between relying on robo-advisers versus traditional financial planning methods. We'll dive into the various features of robo-advice, and help you make informed decisions about your financial future. Whether you're a seasoned investor or just starting out, this podcast will provide you with valuable insights and expert analysis to guide you on your journey.

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00:00 / 16:20

Episode 3 - Quality Investing - What is it, and why should you consider using this strategy?


On this episode of the "The Bigger Picture" join me and my guest Ian Pryor as we delve into the fascinating world of Quality Investing. Uncover the secrets behind this often overlooked strategy, explore the metrics of a quality company, and learn how it stands resilient in various market conditions

My Podcast

Client Testimonials

I deal directly with Elena to manage my financial investments. She was very professional from the beginning, took the time to understand my needs and offered recommendations that fit my objectives. Elena is easy to work with and isn’t someone that will try to position products if she doesn’t genuinely believe it makes sense for her client. I easily recommend her to my friends and colleagues.

Ludovic Carignan - Director Global Revenue & Go-To-Market Strategy, SAP

Was originally referred to Elena by a friend she to the Diligence and Depth of expertise and advisory. Since then, Elena has structured a clear path to retirement, calculated savings and investment targets and set up effective investment vehicles tailored to my needs. Elena’s expertise and experience has enabled me to be effectively hands off in my approach, due to the comfort of my assets under safe management.

Tom Haythorn, Head of Solution Consulting, Human Capital Management, ASEAN, Workday

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.

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

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!

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

I had the privilege of working with Elena for investment advice and solutions. I understand the need for investing, but I've been fairly cautious and apprehensive about most products and whether there would be implications as my circumstances and needs develop over time. Elena was professional and displayed a deep understanding of the financial landscape and provided clear guidance tailored to my financial goals. She made an effort to understand my financial objectives, risk tolerance, and timeline, and put together a strong proposal that was aligned with my individual circumstances. All in all, it was great experience working with Elena.

Kelvin Caleb - Assistant Director, Programmes and Events, Singapore Aviation Academy

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.

Ben Wright - Principal Technical Consultant, Aptitude Software

Loved working with Elena. She’s very professional, knowledgeable, and very supportive and responsive. Highly recommend her to anyone looking for a great financial advisor.

Assyl Ikhsan - Executive Director, Standard Chartered Bank 

Elena has been my trusted financial advisor, and I can confidently say that she has transformed my financial outlook. What sets Elena apart is her genuine commitment to her clients. She doesn't offer cookie-cutter solutions; instead, she takes the time to understand your unique financial goals and tailors a range of customized options that suit your needs perfectly.

One of the things that impressed me most about Elena was her ability to present a variety of options for me to consider. She didn't simply give me a single solution; she provided a well-researched menu of choices, each with its own advantages and potential outcomes. This approach allowed me to make informed decisions about my financial future.

Her personalized approach has not only safeguarded my financial future but has also given me peace of mind. Elena's expertise is matched only by her dedication, making her the ideal partner for anyone seeking to achieve their financial dreams. I'm truly grateful for her guidance and friendship throughout this journey.

Neha Bhasin - Regional Director of Marketing, Zalora

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.

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

I approached Elena in late 2022 after speaking to a few financial planning advisory firms. What set her apart and which makes her a truly professional advisor was the way she took the time to get to know me, get a feeling for where I was at, her depth of knowledge, passion, genuine interest in achieving the best for her clients and common sense approach. Not only is it great to have one place to come to for all my financial planning needs but Elena also ensures she deals with any follow on queries that I may have without hesitation. She is always contactable, courteous and helpful and I would highly recommend her to anyone wanting to achieve better financial outcomes.

Vinesh Vibhakar - Regional Finance Manager (Associate Director), Bank of America Merrill Lynch at CBRE


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

Featured Posts 

News & Views

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