ABOUT
Based in Singapore, UWF is a MAS-licensed financial advisory firm dedicated to integrating Environmental, Social, and Governance (ESG) principles into our comprehensive range of financial services.
In addition to our conventional product offerings, we specialize in providing personalised financial advisory services, particularly in the realm of corporate sustainability.
At Universal Wealth Financial, our approach to financial solutions is fundamentally distinct from that of our competitors.
Our expertise extends to areas such as carbon footprint management, carbon tax advisory, green financing, and specialised sustainability courses.
While many firms prioritize product offerings, we focus on leveraging human capital and innovative concepts to craft tailored financial strategies.
Our team of experienced professionals engages deeply with clients to understand their unique needs, goals, and challenges. This personalized engagement allows us to develop comprehensive solutions that are not only aligned with market trends but are also responsive to the individual circumstances of our clients.
By prioritizing the human element in our financial advisory process, we foster lasting relationships built on trust and collaboration. Our commitment to ongoing education and thought leadership ensures that our clients benefit from cutting-edge insights and strategies that adapt to an ever-evolving financial landscape.
Our Story
A Journey of Values- Charis Low
My journey to this moment had been far from straightforward. It was a path that wound through bustling hotel lobbies, where I learned to listen to people’s needs, and then through the structured halls of financial firms, where I mastered the art of strategy and investment.
Each day brought a new challenge, but I welcomed them with the same mindset that had guided me from the start: Empathy. I knew that numbers could tell a story, but people made the story worth telling. My background in hospitality helped me see what others often missed—a quiet hesitation in a client’s voice, the unspoken dreams behind their financial goals. I didn’t just manage portfolios; I guided journeys, helping clients find their way through the shifting markets with confidence.
But it was my passion for sustainable investing that truly set my path apart. As I watched the world change, I realized that financial success and a positive impact didn’t have to be mutually exclusive. I strive to be a champion for ESG strategies, believing that every investment could be a step toward a better future. It was about more than profit—it was about leaving a legacy of thoughtful decisions and strategic partnerships that could stand the test of time.
I knew I couldn’t do it alone. My greatest strength lay in my ability to bring people together, whether it was a team of advisors or a network of like-minded investors. I fostered a culture where ideas flowed freely, where every challenge was a chance to innovate. And as my team grew, so did the impact they could make.
One evening, as I wrapped up another long day, I received a call from a longtime client. “Charis, I wanted to thank you,” the client said, voice warm with gratitude. “You didn’t just manage my investments. You understood what I wanted for my family, for the world. And that’s made all the difference.”
I knew there were many more journeys ahead—some smooth, some uncertain. But with every step, I remained committed to what I believed: that by listening, by leading, and by focusing on what truly mattered, I could create a future where every investment told a story worth sharing.
And that, I thought, was a story I was proud to be part of.