Ann Marie Regal, CFP®
Ann Marie is the Chief Executive Officer at Avrio Wealth Pte Ltd. She specializes in working with clients who have US tax connections.
Ann Marie is one of the only fee-based American wealth planners in Singapore. She employs an integrated, consultative approach to assist her clients in all areas of wealth planning including Investments, Tax, Insurance, Retirement, Estate Planning, Immigration or Expatriation 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, the Certified Financial Planner (US) designation and is a member of the Financial Planning Association and the Association of Financial Advisers Singapore. Ann Marie is licensed to give financial advice by the MAS in Singapore and is an Investment Advisor Representative in America. She is also a licensed life insurance producer in America.
In her free time she enjoys being with her family and their rescued pets.
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Michael Borchert, CFP®
Michael is a co-founder 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 wealth planning for cross-border and multi-jurisdictional clients. Over the past 16 years Michael has assisted clients with holistic wealth planning, wealth management, retirement and legacy strategy. He works with both international and Singaporean clients for their 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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Daniel Weiss, CFP®, EA
Daniel Weiss, CFP®, EA, MSFP
eXecutive director
Dan is a Wealth Planner specializing in US expats living in Singapore. He is a Certified Financial Planner (US) professional, Enrolled Agent (EA; tax speciality), and has a Master of Science in Financial Planning.
Having lived in China, Vietnam, Argentina, and, currently, Singapore, Dan is well-versed in the complexities and challenges that Americans abroad face. His love for solving complex puzzles, learning continuously, seeking adventure, and making the world a better place, drew him to cross-border financial planning. His passion is helping Global Citizens put their financial house in order and successfully navigate their financial lives.
Prior to joining Avrio, Dan worked at a tax-centric wealth management firm advising clients on retirement planning, investments, executive stock compensation, taxes, employee benefits, insurance, college funding, and estate planning. Utilizing the Enrolled Agent designation, he prepared client tax returns. Before that, he worked at Chen Planning Consultants, one of the pioneers of holistic financial planning, and Regent Wealth Management Group, a boutique Registered Investment Advisor, serving high-net-worth individuals and families.
Dan is fluent in Mandarin and Spanish. In his free time, he meditates, does yoga, and explores Singapore’s hawker centers.
Michael Humphreys, CFA®
Michael Humphreys, CFA®, CAIA®
Head of Investments
Michael is Head of Investments at Avrio Wealth. He has been working in the Singapore investment industry for over 10 years, covering both global public and private markets. Michael is focused on helping clients achieve their life goals and is a firm believer that wealth planning is a part of the overall journey. He enjoys working closely with his team to understand and meet client objectives.
Michael has worked in various sectors, including biomedical research, manufacturing, trade, and finance. He holds two bachelor’s degrees, one in Biochemistry & Molecular Biology and another in Microbiology. He also has a Master’s in Quantitative Finance from Peking University and is both a CFA® and CAIA® Charterholder.
Kimberley Kan
Kimberley Kan
Executive Director
As Business Manager for Avrio Wealth, Kimberley helps to maintain and build the operating business to ensure productivity and efficiency. Kimberley is motivated and organised, ensuring that reporting, procedures, and operations are in place for two regulators (MAS & SEC). She has built her career through experiences in Private Banking sectors, working in various market positions to assist Relationship Managers. Kimberley holds a Bachelor degree in Banking and Finance from Curtin University.
Sarah Pezzino, CFP®, EA
Sarah Pezzino, CFP®, EA
Wealth PLanner
Sarah provides support to Avrio’s Wealth Planners and clients. She double majored in Finance and Accounting at Rutgers Business School in New Jersey and is a Certified Financial Planner® professional. Additionally, she is an Enrolled Agent (EA), allowing her to represent taxpayers before the IRS. Sarah has experience working in both wealth planning and tax. She started her career at Bridgewater Advisors Inc. in NYC where she worked with high-net-worth individuals and later worked for a small tax firm. Between the two, she explored other careers such as teaching English as a Second Language (ESL) to small children and adults. Sarah has moved frequently in her adult life and previously lived and worked in Melbourne, Australia.
Sarah is always seeking new adventures and thrives in an ever-changing environment like cross-border planning. Her travel bug first began when she decided to be an exchange student for a semester at HKUST Business School in Hong Kong. From there, her love for travel and Asian culture multiplied exponentially. She solo-travelled more than 30 countries and has been to more than 40. Throughout her travels, she met many digital nomads who were not properly planning for their financial futures. She wanted to change this and is dedicated to helping clients pursue their passions, while ensuring they are properly preparing for tomorrow.
When Sarah has free time and isn’t hopping on a plane, you can find her trying new coffee shops and restaurants or just wandering around NYC.
Joel Ibbitson, DipPFS
Joel is a Wealth Planner and specialises in cross-border financial planning for expats living in Singapore. He is UK qualified and currently working towards UK Chartered Status. He also plans to pursue the US CFP® designation.
Raised in the UK, Joel earned a First Class Honours degree in International Business before spending seven years at independent chartered financial planning firms. He relocated from London to Singapore in 2025, which he now calls home.
During his time in London, Joel built up experience advising US-connected persons, and today he enjoys tackling complex cross-border challenges from long-term cashflow planning and tax efficiency to retirement income and succession planning. He has also advised British and Australian nationals living in Singapore, helping them optimise their financial plans and reach their long-term goals.
Off the clock, Joel is a dedicated football (soccer) fan and holds a season ticket for Manchester United, so don't be surprised if you spot him playing or watching a match around Singapore.
Ethan Kent
Ethan Kent
Investment associate
Ethan is an Investment Associate who supports the firm’s day-to-day investment operations, bringing analytical rigor and a thoughtful, detail-driven approach to the team.
Born in Malaysia, raised in Singapore, and later moving to the United States at age nine, Ethan developed a deep interest in mathematics and financial markets during high school. This interest led him to the University of Denver, where he earned a bachelor’s degree in Economics. While in college, he was selected for a mentorship program at the National Bank of Middlebury, gaining valuable real-world experience in the financial industry.
Raised on an orchard in Vermont, Ethan spent his youth tapping maple trees, picking apples, and cultivating a deep appreciation for nature. In his free time, he enjoys being outdoors, playing sports, and exploring the backcountry—interests that eventually led him to work as a Class IV river guide in California.
Shaun LaFleur
Shaun LaFleur
Strategic Advisor
Shaun is a Strategic Advisor at Avrio Wealth specializing in helping expatriates navigate the complexity of living across borders. Shaun began his career as a Certified Internal Auditor, and has since held a range of financial planning and management roles for both early-stage startups as well as multibillion-dollar companies. Over the past 25 years, Shaun has lived and worked in the United States, United Kingdom, the Middle East, India, Africa, and Asia giving him a broad perspective to the financial considerations faced by internationally mobile professionals and expatriate families.
As a father of three, Shaun has a strong interest in financial eduction and long term wealth building through thoughtful planning and disciplined investing. He enjoys helping make the investment process easier to understand and more approachable for families navigating complex financial decisions.
Outside of work, Shaun spends much of his time attending his children’s sporting events and enjoys playing golf, softball, fishing, and Brazilian jiu-jitsu.
Zac Chang
Zac Chang
Strategic Advisor
Zac has been immersed in private wealth since 2008 — first as an industry professional across asset management and life insurance, and later as a private banking client himself. Having experienced wealth management from both sides of the table, he brings a clear perspective on what makes an effective strategic advisor.
He specializes in cross-border and global wealth strategy for families and business owners across the United States, Singapore, Greater China, and Taiwan. Zac holds an LL.B. and advises clients in Mandarin, English, and Taiwanese. He operates as a fiduciary, putting clients' interests first.
A lifelong learner, Zac embraces technology to enhance the way he serves clients—bringing greater insight and efficiency to complex wealth decisions. Outside the office, he can often be found playing golf or tennis, or spending time on the water.
A collector of 19th-century paintings in the United States and the United Kingdom, Zac has developed a lasting appreciation for how art carries value and meaning across generations and borders.
As a sailboat owner and skipper, Zac understands that the work that matters most often happens before the storm arrives. In wealth, as on the water, he believes in planning for tomorrow.
简体中文 (SIMPLIFIED CHINESE)
张凯杰自 2008 年起便浸润于私人财富领域——先是横跨资产管理与人寿保险的行业从业者，其后自己也成为私人银行的客户。从桌子的两端亲身经历过财富管理，让他对「什么才是有效的策略顾问」有清晰的观点。
他专注于跨境与全球财富策略，服务横跨美国、新加坡、大中华地区与台湾的家族与企业主。张凯杰持有法学士（LL.B.）学位，以中文、英文服务客户。他秉持受托人精神，将客户利益置于首位。
作为终身学习者，张凯杰拥抱科技以提升服务客户的方式——为复杂的财富决策带来更深的洞察与效率。办公室之外，经常可以看到他打高尔夫或网球，或是在海面上度过时光。
作为在美国与英国收藏十九世纪画作的收藏者，张凯杰对于艺术如何承载价值与意义、跨越世代与国界，培养出恒久的体会。
作为帆船船主与船长，张凯杰明白：真正重要的准备，往往完成于风暴来临之前。无论在财富上或在海上，他相信都要为明天做规划。
繁體中文 (TRADITIONAL CHINESE)
張凱傑自 2008 年起便沉浸於私人財富領域——先是橫跨資產管理與人壽保險的產業從業者，其後自己也成為私人銀行的客戶。從桌子的兩端親身經歷過財富管理，讓他對「什麼才是有效的策略顧問」有清晰的觀點。
他專注於跨境與全球財富策略，服務橫跨美國、新加坡、大中華地區與台灣的家族與企業主。張凱傑持有法學士（LL.B.）學位，以中文、英文與台語服務客戶。他秉持受託人精神，將客戶利益置於首位。
作為終身學習者，張凱傑擁抱科技以提升服務客戶的方式——為複雜的財富決策帶來更深的洞察與效率。辦公室之外，經常可以看到他打高爾夫或網球，或是在海面上度過時光。
作為在美國與英國收藏十九世紀畫作的收藏者，張凱傑對於藝術如何承載價值與意義、跨越世代與國界，培養出恆久的體會。
作為帆船船主與船長，張凱傑明白：真正重要的準備，往往完成於風暴來臨之前。無論在財富上或在海上，他相信都要為明天做規劃。
Kim Creque
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.