Build your own financial advisory business, full-time or next to your day job

We train you for 12 weeks, pay for your CMFAS papers and give you an allowance while you study. You don't need a finance degree, and you don't have to sell to your friends.

• 12 weeks of training
• 4 CMFAS papers paid for
• 3 ways to earn
• No cap on the commission you earn

Is this a good fit for me?

Fresh grads

Any degree works. We'll teach you the finance.

Students and full-time NS

Start part-time and study for your papers around lectures or ORD. Many of our top performers are students.

Mid-career switchers

The years you've spent working help here, especially with business owners. You decide your own hours.

Side income and freelancers

Keep your full-time job. Start part-time, with no quota, and build income on the side.

What does the job look like, day to day?

Financial adviser

• Sit down with people who want their money sorted, and work out what they actually need.
• Build a plan around their goals, and help them understand every option before they decide.
• Be the person they call when life changes: a new job, a flat, a wedding, a baby.
• See the whole picture across their insurance, investments, CPF and retirement.
• Protect families when the worst happens, like a serious illness or losing an income.
• Help clients grow their wealth and pass it on, over decades.

• Once a week: A face-to-face session with the team: role-play, a short talk, an AI lab and a check-in with your mentor.
• Most weeks: Client meetings our team books into your calendar.
• In between: You post, follow up and look after the clients you already have.
• The rest: Your hours are yours to plan, around a job, school or family.

What we look for

• You show up. Every time.
• A bad week won't sink you.
• You want feedback, and you use it.
• You figure things out.
• You start before you're ready.
• You own your results.

What we ask of you

• Make the first move.
• Turn up to training.
• Pass your CMFAS papers. That's the big one.

Do those three. We'll handle the rest.

How is this different from a normal job?

• Pay: A normal job, fixed pay for the hours you put in. Your own business, grows with your client book, with no cap.
• Security: A normal job, secure at the start, less certain later on. Your own business, harder at the start, more secure as renewals build up.
• Promotion: A normal job, waits for an opening, your years and your grade. Your own business, moves as fast as you do.
• Freedom: A normal job, your hours and leave are set for you. Your own business, you set your own hours.
• Goals: A normal job, you work towards your employer's goals. Your own business, you work towards your own.

Can I run my own business without risking my savings?

Opening a franchise

• A big fee to buy in, then royalties on every sale.
• Rent and staff to pay before you earn a dollar.
• If it fails, your savings go with it.

Starting with us

• No capital, and your exam fees are paid.
• The Company's brand and products from day one, plus our scripts and campaigns.
• If you decide it's not for you, you still leave as the money-savvy one in your group of friends.

Three ways to earn

Besides MoneyBees, our founder runs a digital marketing agency, an outsourcing business and a consulting firm. When a client needs marketing, consulting services or AI tools, you bring in the right team and get paid for it.

Advise clients

Help young adults sort out their insurance and investments, and earn commission on every plan.

Help businesses grow

Business owners you meet often need more customers or a better way to run things. Find out what's holding them back, then bring in our marketing or consulting team to fix it.

Set businesses up with AI

Most small businesses want to use AI but don't know where to start. Show them where it saves time, and our team sets it up. You're paid on every project.

How do I pay the bills while I'm still learning?

Commission with no cap

Every plan you place and every business you help pays you. Plans you sold last year keep paying you this year.

An allowance while you study

You earn while you study. Help the team bring in new business, and you're paid each time you pass a paper. It's yours even if you decide advising isn't for you.

New adviser bonus for 2 years

For your first 2 years, the Company tops up your commission with a matching bonus. A slow month doesn't cost you it for good.

4 CMFAS papers, paid for

We pay for your first attempt at each paper, so the only cost is your time.

What could I earn?

An illustration only, not a promise. It uses typical renewal rates on regular-premium plans, leaves out bonuses, allowances and expenses, and what you earn depends on your own results.

Advisers out-earn engineers and accountants

Median monthly pay, June 2025

• Financial/investment adviser: $8,050
• Software developer: $7,808
• Mechanical engineer: $6,015
• Civil engineer: $5,974
• Accountant: $5,968
• Registered nurse: $5,210

Full-time employees such as bank relationship managers, before bonuses. Advisers on commission are not counted. Source: Ministry of Manpower, Occupational Wages 2025.

Is this a job worth having?

The Independent Singapore, 25 Feb 2026: Indeed's 2026 Best Jobs in Singapore: #1 Financial Advisor. Indeed ranked financial advisor the best job in Singapore for 2026, ahead of sales manager, project manager and IT analyst, picking jobs best placed to keep their demand, stability and mobility.

U.S. News & World Report, 2026: Financial Advisor: #3 in Best Business Jobs. Ranked the third-best business job in the US for 2026, and 16th of its 100 best jobs overall.

Insurance Business Asia, 12 Aug 2026: Financial adviser channel claws back Singapore's premium lead from banks. Advisers at financial advisory firms brought in 37.3% of new life insurance business in the first half of 2026, more than any other channel.

Insurance Business Asia, 31 Jul 2026: Singapore regulators and insurers move to protect human financial advice. "AI is only as effective as the information it receives. It may not identify gaps in our thinking or ask follow-up questions that uncover important aspects of our financial situation." Laura Hoi, MDRT member for 22 years

Where will my first clients come from?

Finding clients: A full calendar without leaning on your friends

• Funnels and free guides that bring people to you
• Half the cost of approved ad campaigns covered
• Ads and branding done by our digital marketing agency
• Pitch decks and scripts that are ready to use

Keeping clients: Clients who stay with you and send their friends

• Gifts and touchpoints so they remember you
• Webinars and courses they can learn from
• A CRM that tells you who to follow up

Building a team: A team of your own when you're ready to lead

• Bootcamps that train your new joiners for you
• Recorded lessons and an exam chatbot they can use any time
• Onboarding handled from start to finish

Will I be stuck doing admin?

No. Our assistants run the ops and admin, and the apps we built for our own advisers run your follow-ups and your ads. You spend your time building your business.

Ops and admin: Paperwork off your plate

Our team handles the admin and helps fill your calendar, so your time goes to clients.

ActivityTracker: Your whole client business in one app

Clients, WhatsApp chats and your to-dos in one place, with an AI assistant that replies to new leads and books meetings for you.

AutoAdsLauncher: Ads that bring clients to you

Ready-made ad designs and copy you can launch without hiring a designer or an agency.

Who will I learn from?

You learn from advisers who manage millions in client assets and run businesses of their own. Many of them started as students, with no sales background.

Once a week you meet your mentor face to face. After your first client meetings, a coach goes through each one with you, so you know what to say differently next time.

Is this a real, regulated job?

Yes. Financial advice in Singapore is regulated by the Monetary Authority of Singapore (MAS). Before you advise anyone, you pass four exams that MAS requires, and we pay for your first attempt at each.

• RES5, Rules, Ethics and Skills for Financial Advisory Services: The rules of giving advice, and how to do it ethically.
• M9, Life Insurance and Investment-Linked Policies: How life insurance and investment-linked plans work.
• M9A, Life Insurance and Investment-Linked Policies II: Structured products and the more complex plans.
• HI, Health Insurance: Hospital, critical illness and disability cover.

Will I get real training? Here are all 12 weeks

Month 1: Foundations and your first papers

• Week 1, Orientation: Plan your first year and the habits that get you there.
• Week 2, How the industry works: How insurance works in Singapore, explained the way you'd explain it to your parents.
• Week 3, Wealth principles: Why income that keeps coming back beats one-off sales.
• Week 4, Exam sprint: Sit your first CMFAS papers after working through our mock tests.

Month 2: Money skills and your system

• Week 5, Your operating system: Plan your week like a business owner and track what's working.
• Week 6, Financial fundamentals: Get comfortable with the money maths clients ask about, like CPF and compounding.
• Week 7, Finding clients: List everyone you could help, and set up a profile that gets strangers messaging you.
• Week 8, Conversations: Write your opener and practise handling objections.

Month 3: In the field

• Week 9, Needs discovery: Ask the questions that get clients to tell you what they need.
• Week 10, Products and proposals: Learn the core plans, then write your first proposal.
• Week 11, Shadowing: Sit in on real client meetings and talk each one through with your mentor.
• Week 12, Your first meetings: Our team books your first appointments, and a coach goes through each one with you after.

After month 3, you learn on real client cases

Next 60 days

Record your pitch, get feedback on it, and learn to ask for referrals without feeling pushy.

Product mastery

Learn each core plan well enough to explain it in one sentence and compare it with other insurers' plans.

The Company's training roadmap

From month 13, choose where to grow: becoming a top producer, working with business owners and high net worth clients, or leading a team.

Sales playbooks

Scripts for every stage of a meeting. You also get the presentation our founder has used and improved for 7 years.

What's the career path?

Promotion goes on your results, not how long you've been here.

• Financial services consultant: Build your own client book.
• Financial services manager: Start your own team and coach new advisers.
• Associate director: Lead several teams of advisers.
• Director: Run your own agency.

• Before you're licensed: Our 12 weeks of training, papers and practice.
• Your first year: The Company's year-long programme for new advisers, plus the new adviser bonus.
• After a year: A study group for advisers aiming for MDRT, the industry's top-producer standard.

What the Company puts behind you

For your clients

• Plans to offer young families, professionals and business owners
• Group cover you can offer to employers
• A wellness programme that rewards your clients for staying healthy
• Claims your clients can file on an app

Events

• Client events you can invite people to
• Company venues to host your own
• Loyalty rewards for clients who stay

Training

• Help preparing for your CMFAS papers
• A certification to advise high net worth clients
• A leadership programme when you want to build a team

Tools

• An app to manage your clients
• Proposals and applications done on a tablet
• Online sign-up for people who join your team

Sales support

• Company campaigns you can join
• Leads to follow up
• Half of approved marketing costs covered

Recognition

• Team kick-offs and sprints
• Awards and overseas trips

Your career

• A career benefit that grows with your years
• A provident fund
• A bonus when you're promoted
• A business allowance

Where you work

• A desk at the Company's offices
• Or work from anywhere

Is it all about sales? Here's what else you'll learn

Public speaking

You present to the team every week, so standing in front of a room becomes normal.

Communication

Listening matters more than talking. You'll learn to ask good questions and explain money without jargon.

AI skills

Use AI to research clients and prepare for meetings. Since you'll set clients up with AI too, you'll know the tools well.

Selling

Not the pushy kind. You'll learn how people make decisions and how to make the next step feel natural.

Personal finance

Schools never teach it. You'll be the one your friends ask about CPF and investing.

Personal branding

Post content that makes people message you first.

What happens after you apply

1. Selection (2 to 4 weeks): A 30-minute briefing, a few chats about your goals, then your offer.
2. Exams (6 to 8 weeks): Clear your four CMFAS papers with our study guides and mock tests.
3. Getting set up (2 to 4 weeks): Your licence comes through while you train with your mentor and plan your first clients.
4. You're an adviser (Around month 3): Meet your first clients, with a coach beside you.

Questions people ask before applying

Do I need a finance degree or sales experience?

No. We teach the finance and the selling. You'll need to pass four CMFAS papers, and we give you study guides and mock exams for each one.

Can I keep my full-time job?

Yes. Lots of people start part-time with no quota and set their own hours. Part-timers get the same training.

Do I have to sell to friends and family?

No. You can if you want to, but you don't have to. Most of our clients started as strangers, and we run lead campaigns for you.

How long until I meet clients?

Most people clear all four CMFAS papers in 6 to 8 weeks. Getting your licence then takes another 2 to 4 weeks, so most start meeting clients in month 3.

What if I fail a CMFAS paper?

You can retake it. We pay for your first attempt at each paper.

Is there a sales quota?

Not one that can end your contract. We aim for one case a month, and your mentor meets you every week to help you get there.

Who would I work for?

Yourself. You contract as a financial adviser representative through Junxiong-WFG Organisation, and MoneyBees trains and mentors you.

Who does the work for the businesses I help?

Our partner agencies do. You find out what a business needs and bring in the right team, and you're paid on each project.

Free ebook: Can you really become a financial adviser?

No rich friends and no sales experience? This free ebook gives you an honest answer: the doubts, the slow start, how the business works and whether it suits you.

Start with a 30-minute chat

• Apply now