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Our Team

Ann Marie Regal, CFP® Photo
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Ann Marie Regal, CFP®

CEO, Founder

Ann Marie Regal, CFP®

CEO, Founder


Ann Marie is the Chief Executive Officer at Avrio Wealth Pte Ltd. Ann Marie specializes in working with Clients who have connections to America. She has been working in the financial services industry for over 20 years.

Ann Marie is one of the only fee-based American financial planners in Singapore. She employs an integrated, consultative approach to assist her Clients in all areas of financial planning including Investment, Tax, Insurance, Retirement and Estate Planning. Ann Marie also helps clients Immigrate to or Expatriate from the United States.

Prior to moving to Singapore with her family in 2007, Ann Marie worked at Legg Mason Investment Counsel (LMIC), and its predecessors, providing highly tailored investment and trust strategies for affluent individuals, families and institutions. Before LMIC, Ann Marie worked at Goldman Sachs.

She holds a Bachelor Degree from Syracuse University and is a member of the Financial Planning Association in the US and Singapore and the Association of Financial Advisers Singapore. Ann Marie is licensed to give financial advice by the MAS in Singapore and the SEC in America. She is also a licensed life insurance producer in America.

Ann Marie volunteers on the Finance and Investment Committee at the American Club. In her free time she enjoys being with her family and their rescued pets : Merlin the cat, Kronos the German Shepherd and Archie the Cavoodle.


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Michael Borchert, CFP®

Executive Director, Co-Founder

Michael Borchert, CFP®

Executive Director, Co-Founder


Michael is an Executive Director and owner of Avrio.  Michael started his career in small and medium enterprise finance in Asia after graduating with an international business degree from Elon University.  He spent eight years in China working with a range of industrial businesses worldwide on their strategic financial partnerships.

In 2010 Michael moved to Singapore where he focused on financial planning for cross-border and multijurisdictional clients.  Over the past 10 years Michael has assisted clients with holistic financial planning, wealth management, retirement and legacy strategy.  He works with both international and Singaporean clients for their financial planning needs.

Michael has been active in the Singapore community having served on the boards of the Financial Planning Association of Singapore and the American Association of Singapore.  Additionally, he has assisted in small business consulting and strategy implementation and holds additional specializations in Estate Planning and Small and Family Business advisory.


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Andrew Talbot, CFP®

Executive Director, Co-Founder

Andrew Talbot, CFP®

Executive Director, Co-Founder


Andrew is an Executive Director and owner of Avrio. He has been a licensed financial advisor in Singapore since 2009. Originally from the UK, Andrew has worked in the financial services industry since graduating from University of the West of England with a Bachelor in Financial Services. He has also studied for the Australian Diploma in Financial Planning.

Andrew’s career started at a London based financial advisory firm before moving on to work for one the top UK financial advisors within a UK based wealth management firm. During this time Andrew continued his higher education, becoming UK qualified with a Diploma in Financial Planning.

Andrew relocated to Malaysia in 2006 where he accepted a position with an international wealth management firm. In this role Andrew was responsible for advising expat & local clients on their personal financial affairs. After three and a half years in Malaysia, Andrew moved back into a regulated market and an established investment center and has been living in Singapore since.


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Agnes Kuang Photo
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Agnes Kuang

OFFICE MANAGER

Agnes Kuang

Office Manager


As Avrio Wealth’s Office Manager, Agnes is responsible for maintaining efficient back-office procedures. Agnes believes in managing her daily tasks with a measure of patience, tenacity, and grace. It’s the foundation that she has built her career on over her extensive 10-year experiences in the financial services sector, working in positions such as client servicing and paraplanning. Agnes holds a Bachelor of Science (Hons) degree in Management from University of Manchester.


Mario Nardone, CFA Photo
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Mario Nardone, CFA

Chief Investment Strategist

Mario Nardone, CFA

Chief Investment Strategist

President & Founder, East Bay Financial Service




Mario supports Avrio Wealth’s investment advisory. He began his investment career in 1999 with Vanguard mutual funds in Valley Forge, PA, where he consulted institutions and financial advisors on investment policy, portfolio construction, and Exchange-Traded Funds (ETFs). Mario also contributed to the research and publication of the firm's world-renowned investment philosophy and served as a municipal bond fund specialist, among other roles during his tenure.

In 2003 he earned the Chartered Financial Analyst designation, widely regarded as the highest standard in the investment profession, and he continues to mentor aspiring Charter candidates in its curriculum, ethics, and career opportunities. Mario relocated to Charleston in 2010 to serve as Chief Investment Officer and Chief Compliance Officer for a respected financial planning and advisory firm in Mount Pleasant before establishing East Bay Financial Services, the collaborative partner firm of (insert firm name). Mario is Past President and of CFA Society South Carolina and Former Chairman of the College of Charleston Finance Department Advisory Board. 

His approach to investments and the industry has been featured in Investment News, NAPFA Advisor Magazine, South Carolina Public Radio, and other publications and media outlets.  Mario is active in recreational sports and the Charleston community, is an avid traveler and SCUBA diver, and enjoys spending time with his wife Piper, their daughter Pepper, dog Cady, and Agnes the cat.


Kim Creque Photo
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Kim Creque

Client Service

Kim Creque

Client Service


Kim has worked exclusively in the Financial Services industry for over 20 years. Kim and her assistants offer back office and customer service support to Avrio Wealth’s American clients.