Do you think incorporating loans into financial planning is important?

Apart from the community feature, one big feature of Seedly is reviews. So, we thought this would be a great place for us to raise this question.

In our industry, we’ve discovered that fake reviews are not just an occasional bad apple — they’re almost the norm.

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It’s not only smaller outfits either. Even ex-heads of major banks have not hesitated to participate in this behaviour. We caught one such company red-handed, complete with screenshots to prove it: its also how funny they did it - if you need a Sunday laugh!

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And that raises an necessary question: if even the most senior and supposedly reputable figures in finance are resorting to fake reviews, then what chance does the average consumer or SME have in knowing what’s genuine?

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Reviews are meant to build trust — but when trust itself can be bought or faked, are they really helping consumer?

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👉 So we’d love to hear from the Seedly community: what are your thoughts on fake reviews? Do you still trust them, and if so, how do you decide what’s real and what’s not?

Depends

Speaking of financing planning, our colleague recently posted, if commission may drives the quality of advice, an advisor might give or a consumer may receive - If advice is driven by commissions, is it really advice—or a sales pitch?

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Some reviewers think it due to lack of education, some things its simply the consumer cannot be bother to understand how it works.

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There are both consumers and advisors here. Love to hear your take! @

https://www.linkedin.com/posts/activity-7337716...

Strategic debt management is vital for wealth building. A medical client of mine used a structured education loan for specialist training, increasing income 70% in 18 months.

Key misconceptions:

• All debt is harmful
• Cash beats leverage
• Lower rates are always best

Framework:

1. Productive Debt:

• Education for career growth
• Business financing
• Property leverage

2. Strategic Liquidity:

• Credit lines vs emergency funds
• Tax-efficient structures
• Cash flow optimization

3. Risk Management:

• Insurance premium financing
• Portfolio leverage limits
• Debt-to-income monitoring

View loans as wealth tools, not burdens. Another client leveraged education financing to fast-track specialization, doubling earnings while maintaining investments.

For strategic debt insights, follow me on Instagram (@ngooooied).

Ngooi Zhi Cheng
Private Wealth Advisor
AIA FA Prestige Platinum Circle | MDRT 2022-2025