For ultra-high-net-worth families, the value of a wealth manager can extend well beyond portfolio returns. Garett Lim, Partner and Chief Marketing Officer at MOIQ Capital, used his In The Hubbis Hot Seat session at the Hubbis Digital Wealth Forum in Singapore on 21 October 2026 to describe a multi-family office built around helping clients reclaim their time. The proposition combines a fixed-fee model with independent advice and a highly personal approach to the family’s priorities.
Lim’s starting point was that substantial wealth brings decisions and responsibilities that can consume a client’s attention. MOIQ aims to understand what each family wants its money to achieve, then design an approach to preservation, growth and provision for future generations without forcing the client into a predetermined portfolio or structure.
Key Takeaways
Time Is Part of the Value: Lim places the time a family gets back alongside investment returns when explaining the service.
Independence Shapes the Model: MOIQ charges fixed fees and, according to Lim, does not take retrocessions.
The Relationship Is Selective: The firm seeks clients who value independent advice and are prepared to pay for a high-touch service.
Planning Extends Across Generations: The approach starts with the family’s objectives and considers provision for the third and fourth generations.
Putting Time at the Centre of the Relationship
Lim opened with a personal connection to the format. Having previously worked at Hubbis and encouraged speakers to keep within their five-minute slots, he chose time as the theme of his own appearance. For the clients MOIQ serves, he argued, it is often the resource in shortest supply.
Portfolio returns remain important, but Lim described a broader relationship in which the adviser accompanies the family and helps it regain time for what matters to it. This requires a clear understanding of the client rather than an assumption that every wealthy family wants the same service.
He was candid about the fit. “We are different to most people, but we’re actually just right for some people,” he said. The clients he wants to work with are those who place a particular value on independent advice.
Charging for Independent Advice
MOIQ’s fixed-fee approach is part of that positioning. Lim said the firm takes no retrocessions and acknowledged that its fees are high. In return, it seeks to provide an intensive, personal service that begins with the family and is designed to remain relevant over generations.
To explain the pricing, he recalled a luxury consultant who examined the business and subsequently became an investor. The consultant defined luxury as “the creation of extreme value”, a description Lim felt captured what MOIQ was trying to provide.
The comparison was about the value of the relationship to the client. Lim linked it to the work of understanding a family’s circumstances, helping it decide what its wealth is for and designing the service around those decisions.
Starting With the Family Rather Than a Model Portfolio
Recent conversations with people who had inherited substantial wealth illustrated the need for that work. Lim said that an inheritance, however welcome, can also mark the beginning of a new set of problems. The family must decide how to manage the money and what obligations or ambitions it should support.
MOIQ’s independence, in his account, allows that conversation to begin from scratch. Rather than requiring clients to adopt an existing portfolio or structure, the firm asks where they have come from, where they stand today and, most importantly, what they want to do with their wealth.
The objectives can sound simple: preserve capital, compound it and provide for later generations. Lim nevertheless stressed that the structure matters. An open architecture designed around those aims must look beyond the immediate heirs to the third or fourth generation. His proposition was to do that work early, so that managing wealth supports the family’s life rather than absorbing more of its time.