# GYC Financial Advisory

GYC Financial Advisory is a Bank / Wealth / Trust based in Singapore, Singapore.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Singapore, Singapore
- **Region:** Asia
- **Address:** Singapore
- **Founded:** 1997
- **Assets under management:** Undisclosed
- **Website:** gyc.com.sg
- **LinkedIn:** https://www.linkedin.com/company/gyc-financial-advisory-pte-ltd

## Regulatory record

- **Reports private funds:** No

## About

Offering a full suite of financial services, GYC specialises in ensuring a recurring income for individuals and families, for generations to come.

## Offices

- Kuala Lumpur, Malaysia

## People

- Goh Yang Chye — Chief Executive Officer

## Questions

### Who makes investment decisions at GYC Financial Advisory?

Goh Yang Chye, the founder and CEO, heads the investment committee and drives the firm's asset-allocation and manager-selection process. GYC operates a centralized investment function out of Singapore, with portfolio construction executed by a small internal team rather than outsourced to external model providers. This keeps investment accountability with the founding leadership.

### How does GYC's fee structure differ from a private bank?

GYC was built as a fee-only advisory from inception in 1997, charging clients a transparent percentage of assets under advisory or a fixed retainer. This is distinct from the trailing-commission and retrocession model that dominated Singapore for decades, and from the wrap-fee structures in which trading and custody are bundled. The firm explicitly does not take commissions from product providers.

### Does GYC participate in private-market deals or only public markets?

GYC structures client portfolios with allocations across public equities, fixed income, and private markets — including private equity and real estate — but accesses these through institutional fund vehicles rather than direct co-investments or SPVs. The firm is an allocator to external managers, not a deal-by-deal participant.

### Is GYC related to any bank or financial group?

No. GYC has remained independently owned since Goh Yang Chye founded it in 1997. It has no parent bank, no insurance-company ownership, and no external private-equity backing, which is unusual for a multi-decade-old Singapore advisory practice of its scale.

### What is the firm's regulatory status in Singapore and Malaysia?

In Singapore, GYC holds a financial-adviser license from the Monetary Authority of Singapore, permitting it to advise on securities, life insurance, and collective investment schemes. Its Kuala Lumpur office operates under a license from the Securities Commission Malaysia, providing a parallel regulated booking center for Malaysian-domiciled clients.

### How does GYC handle estate planning and tax structuring?

The firm integrates estate-planning advisory into its wealth-management process — addressing cross-border residency, succession, and trust structures — but delivers these services through external law firms and fiduciary partners. GYC does not operate an in-house trust company or tax practice.

### What is GYC's geographic focus for client portfolios?

Portfolios are globally diversified with a structural tilt toward developed markets in North America and Europe for core equity and fixed-income exposure. Asia ex-Japan mandates serve as growth satellites. The client base itself is concentrated in Singapore, Malaysia, and select Southeast Asian markets.

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Last updated: 2026-06-03T20:00:00.000Z

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