If I pass all the exams to be a Financial Advisor, does that technically make me a qualified person to give financial advice, or do I have to be with a firm first?

You do have to join financial advisory and apply for your RNF before you can provide financial advice. Agencies do cover your exam fees and also provide study/mock papers so you can clear your papers with ease. https://insurancejobs.sg/insurance-exams/

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