Who can I approach if i would like to check on my financial status i.e 1. Do i have sufficient insurance coverage 2. My financial goals 3. Am i on track to retire comfortably?

I think it's important that you can connect with your financial advisor, well enough for him/her to understand your situation and goals and also provide advice that will suit you. I'd advise you to ask around your social circle to see if anyone knows advisors whom they'd recommend you. That would be the easiest way. Often if a product is good, it will sell itself. Financial advisors provide a service and I'd say the same of them as I would any other service industry - good service speaks for itself. I know a couple of FAs whom I can link you up with too; let me know if you need the contacts.

Hi melody.

1. Whether you have sufficient insurance coverage or not is also dependent on your current situation. For example, do you have dependents? A mortgage? Or are you single at the moment? This will determine what type of insurance you need, and your income and expense will determine the amount of coverage you require. At the moment you have an ILP and Prushield, but I do not know what your ILP covers (or if it is even suitable in the long run), and you do need to check if you have a rider for your shield plan.

2. This depends on the exact details of your financial goals. So if you are willing to share your goals and the timeframe, you can probably have a good idea of whether you'll be on track. There can be many ways to reach your goal, the full details of which are probably beyond the confines of this current answer.

3. This is down to retirement cashflow planning. You may wish to look at this, taking into account various factors such as your expenses, age, CPF, cash in bank, income growth, etc. It is probably not possible to list down everything in a single answer but I will refer you to some of my previous answers. There's a bit of overlap no doubt, but the key ideas are there.

I can't comment on savfinance or policypal, but I will say that I'm an IFA too. IFAs will be able to distribute a wide variety of products (insurance, unit trusts, etc), and being from Phillip I can also help my clients to gain access to various stock markets, should they require.

It's good that you are asking questions about your financial situation now rather than down the road, and ultimately you will want to take some action towards your goals so that you can reach them.