From national defence to financial freedom, William has always led with purpose.

A recipient of the prestigious SAF scholarship, William served 14 years in the Singapore Armed Forces, holding senior leadership roles before transitioning into financial services in 2011. Bringing with him the same discipline and strategic mindset, he is now one of Unicorn’s top Family Wealth Managers—managing one of the largest portfolios of assets under advisory.

In addition to his work in financial services, William is also an investor in multiple businesses, reflecting his entrepreneurial spirit and belief in long-term, sustainable growth beyond traditional investments.

As a Business Leader, William mentors aspiring Family Wealth Consultants, especially ex-military officers and professionals, helping them build successful, investor-focused practices. His philosophy—“Lead by Example. Make it Happen.”—is reflected in everything he does, from guiding investors to growing leaders.

For William, financial planning is more than numbers—it’s about empowering people to build lasting wealth and a secure future with confidence.

Xiaoqing made a mid-career leap from a regional management role at a leading MNC to thrive in family wealth management. Despite having no formal finance background, she rose swiftly—becoming a Business Leader within a year and mentoring a team of professionals toward both personal and professional excellence.

In just three years, she became one of the first two among hundreds to be conferred the title of Certified Advanced Financial Planner—playing a pivotal role in shaping the firm’s professional development.

Alongside trusted senior partners and seasoned investors she respects, Xiaoqing has also ventured into multiple business investments—opportunities personally availed to her by her Chairman as part of her ongoing wealth building journey.

With a deep focus on PMEs, Xiaoqing understands the nuanced pressures of modern life: career demands, family responsibilities, and the need to plan wisely for the future. Her approach is personal and precise—rooted in listening, strategy, and care. She crafts tailored solutions that give her investors clarity, confidence, and peace of mind.

“Money earned is temporary. Wealth built is a legacy.” Every PME deserves a trusted, personal financial guardian on their journey to creating a freehold life of wisdom and success.

Adi Wiguno is a dynamic leader at Unicorn, where he heads one of the firm’s business units and leads the Estate Planning Division with vision and care.

Having transitioned from a promising engineering career at one of the world’s largest steel manufacturers, Adi found his true calling in guiding families through the complexities of family wealth planning. As a Certified Financial Planner (CFP®), Senior Estate Planner (AEPP®), and one of the firm’s few Certified Advanced Financial Planners (CAFP), he is uniquely equipped to guide families through multi-generational planning with both technical mastery and genuine care. His estate planning work has empowered countless families to protect their legacies and pass on not just wealth, but wisdom, to future generations.

Highly regarded for his trustworthiness and unwavering commitment, Adi is also passionate about spiritual mentorship and professional development. Within Unicorn, he is a respected guide—sharing what he’s learned and helping others build meaningful, purpose-driven practices of their own.

For Adi, leadership isn’t just about results—it’s about righteousness, legacy, people, and impact that lasts beyond a lifetime.

Chong Chin comes from a humble family from Kedah, Malaysia.
He graduated with 2nd class upper honours in mechanical engineering from NTU, and began his career at ExxonMobil. He was an investor when he was just an undergraduate so as to alleviate the financial strain on his parents due to his sense of responsibility and gratitude.

He eventually joined Unicorn in 2011 as he believes in the firm’s investor-centric, needs-focused planning philosophy. He is now a successful Business Leader, managing a team of more than 10 consultants. Integrity is the pillar of his team’s practice, and he advocates putting investors’ interests first. He aspires to help everyone live life to its fullest, backed by strong financial security.

Certified Advanced Financial Planner (CAFP)

The CAFP designation represents a mark of distinction earned by a select few within our firm who have demonstrated exceptional technical proficiency, strategic thinking, and commitment to investor success.

Out of the hundreds of professionals trained over the years, only three have attained this rigorous certification—testament to the high standards and deep expertise required. CAFPs are often called upon by fellow practitioners across the firm to support key investor engagements, where they conduct in-depth financial diagnostics and develop tailor-made blueprints with solutions that are both precise and easy for investors to embrace.

In addition to their advisory role, CAFPs also lead the development of internal training curriculum, and set a strong example through the way they run their professional practices.

The CAFP designation is not an exam-based certification—it is a recognition earned through real, on-the-ground experience. It affirms those who have consistently walked alongside investors, helping them navigate complex financial challenges with clarity and care. More than a title, it’s a validation of meaningful impact, earned through mileage, not just modules.