Karolina Ong

Financial Consultant | Avallis Financial

About Me

With over a decade of experience as Financial Adviser, I focus in helping individuals and families protect, build and grow their wealth to achieve their long term goals. My clients trust me to provide honest and personalized advice, knowing that their needs and concerns are always my top priority.

I have developed my expertise to spans various areas of financial planning in order to more fully serve my clients, which currently includes family budgeting, insurance protection, investment planning, retirement planning, and estate planning.

I believe that financial planning is a conscious consistent planning process rather than a one-time product fix. Through regular reviews, consistent communication, and a long-term partnership, I help my clients navigate life's changes and stay on track toward achieving their financial objectives with confidence.

MAS Rep: KOX200194121

Professional Languages: English | Bahasa Indonesia

Get In Touch

My Professional Services

  • Insurance Planning

    We match cover to your real obligations and review it as they change, so your family and your assets stay protected wherever you are based.

  • Investment Planning

    We build evidence-led portfolios around your goals and life purpose. Managed from Singapore with the reach to handle wealth across borders.

  • Legacy & Estate Planning

    We help families pass on wealth across generations, including complex situations and assets held in more than one country.

In Their Words

  • Leo

    “For 15 years, Karolina Ong has been a steady and reassuring presence in my financial life. She has guided me through major transitions — changing jobs, moving countries, and navigating new stages of life — always with clarity, warmth, and genuine care. Over time, Karolina has become not just a trusted adviser but a trusted friend. Her thoughtful, dependable guidance continues to be invaluable, and I remain deeply grateful for her unwavering support.”

  • D.C.

    “In five years of working with Karolina, I have seen firsthand the dedication and support provided. From investments to retirement and insurance, there was good guidance provided for my financial goals.

    She adjusted to my insistence on numbers and proven methodologies - in a big personal milestone this year in getting a new home, the investments paid off substantially. It is a demonstration of responsiveness and tailored advisory work.

    I highly recommend anyone looking for a trustworthy and dependable financial adviser looking to optimize for long-term planning to work with Karolina.”

  • Nicole

    “Karolina is able to think and plan for clients for the very the long term (think generational!) and is very transparent in her recommendations in all areas from product features to pricing. There is zero product push. Coming from the financial industry myself, this is certainly a breath of fresh air.

    I would strongly recommend her as a financial adviser to anyone who is seeking clarity on insurance plans and wealth management/ preservation strategies.”

Speak with me directly

Tell me what you are working towards, and I’ll take it from there.

Whether you have a question about your existing investments, want a second opinion on a policy, or are ready to start planning for your future, a short note is enough to start.