Angeline Lawrence

Business Development Associate

Angeline, a graduate of Binus University in Jakarta, began her career in 2021 as an IT Consultant at PwC. She also has two years of experience in Business Development. Angeline is skilled in identifying how changes and risks affect different stakeholders and is proficient in market research. Throughout her career, she has consulted in various industries, including state-owned companies, entertainment, and mining, building a strong network. Her expertise is in conducting market research for business development and understanding transformations, localization strategies, and risk assessment when entering new markets. With her experience in analyzing stakeholder dynamics and market trends, Angeline is well-equipped to excel in her field. She is fluent in both English and Bahasa Indonesia, and she also has a basic understanding of Hokkien.

Niki Dwi Adityas

Digital Marketing Manager

Niki is a seasoned IT and Digital Marketing professional with a decade of experience in FinTech and E-commerce. His skill set includes website design, optimization, and noteworthy contributions to Loyalty Management Systems for renowned brands such as Shiseido and Gucci. Holding a Bachelor's in E-commerce from STMIK Indonesia, Niki is certified in Microsoft Database, Business Intelligence, and MVC Programming.

He is proficient in PHP, Laravel, WordPress, JavaScript, SQL, and Python, and he combines technical prowess with digital marketing expertise. Niki has successfully collaborated and worked with companies in Indonesia and Singapore, crafting high-conversion digital marketing campaigns. His unique blend of technical and marketing skills positions him as a valuable asset capable of driving success across diverse projects and industries.

Winnie Hoh

Accounts & HR Executive

Winnie's expertise lies in providing highly customized solutions tailored to the unique needs of each client. She excels in guiding SMEs and multinational companies through intricate accounting regulations, ensuring compliance and efficiency. A pivotal team member, Winnie adeptly manages clients' accounting, tax, administrative, and outsourcing needs. Her rich background as an Accounts Assistant Manager spans Malaysia and Singapore, showcasing her expertise in registering businesses, managing transactions, and navigating complex corporate landscapes.

Christy Eugenia

Social Media Manager

Graduating from the Bali Tourism Institute in Indonesia, Christy embarked on her career as a social media specialist in 2017. With over 4 years of experience in the Singapore market and 3 years in the Indonesian market, Christy possesses extensive expertise in developing effective business strategies, digital marketing strategies and managing social media campaigns across various platforms. She has also worked closely with numerous Key Opinion Leaders (KOLs) and influencers from both Indonesia and other countries. With her knowledge and skills as a business consultant, Christy can provide valuable assistance in establishing a strong digital marketing presence in new markets.

El-Given Christy

Chief Designer

El-Given Christy graduated from Maranatha Christian University Bandung and is an experienced branding consultant with over 6 years of experience in Indonesia and 2 years of experience in the Singapore market. She specializes in branding, social media design, and brand localization consultancy.

Throughout her career, El-Given has gained experience providing consultancy for various industries including jewellery retail, food and beverage, hospitality, and more. She is passionate about creating visually appealing designs that help businesses stand out in their respective markets.

Janice Koh

Loans & Partnership Manager

Janice holds a degree in Business Administration Management from PSB Academy. With her background in business administration and 8 years of experience in the financial sector, Janice is well- equipped to provide strategic insights and recommendations to businesses aiming to enter new markets. Her proficiency in market research, data analysis, and risk assessment ensures that clients receive thorough and reliable assessments to make informed market entry decisions.

Adela Shienny

Business Development Director

Shienny is an accomplished business development professional with a finance degree from New York University and holding a CFA level 1. She has an extensive experience in marketing and corporate finance, specializing in market research and localization strategies. She is a native Indonesian who has spent over a decade of her academic and professional life in Singapore and the United States, thus possessing a multicultural background and profound comprehension of the cultural intricacies in both Singapore and Indonesia. This unique perspective enables her to provide valuable support to her Singaporean clients in adapting and succeeding in the Indonesian markets.

As a member of the Stellar Women community with international property experience, Shienny has an extensive network in Singapore and Indonesia. Her connections span diverse industries like media, event organizers, food and beverage, investors, and entrepreneurs, making her an excellent business connector.

Additionally, her fluency in English, Chinese, and Bahasa Indonesia gives her a unique advantage in bridging the language gap for international companies, facilitating effective communication between foreign businesses and their Indonesian counterparts.

Jamie Tan

General Manager & Creative Director

A growth achiever with over 14 years of experience in business management, marketing, and design, Jamie is the Assistant Lead Consultant leading the business marketing team as Creative Director. As the executive management, she has vast experience in developing and implementing constructive business and marketing strategies for clients across all channels and works closely with the finance department on business budgeting and forecasting. Jamie has helped many firms in market entry feasibility studies, business matching, branding consultancy, strategic marketing consultancy and many more.

Melvin Ho

Founder & CEO

Melvin Ho, a Practising Management Consultant (PMC), is the CEO of Bizsquare, specializing in Cash Flow Structuring and Business Brand Strategy for SMEs. He holds an MBA from Arcadia University, USA and a Bachelor of Commerce from Murdoch University, Australia.

Melvin founded Bizsquare in 2013 to address the underserved demand for SMEs financial management advice. Over the years, Melvin has provided management consultation to MNCs and government-related bodies. He has since then expanded his services to include branding and marketing, accounting, and business strategy development, offering comprehensive solutions for SMEs. Melvin has built a robust network of business owners across the globe, particularly in Singapore, Indonesia, and Malaysia.

With over 14 years of experience, Melvin's expertise, excellent business acumen and recognition in the industry has driven Bizsquare's customer success in building strong networks internationally. Many Singapore businesses have benefitted from his network. He has a strong team in Indonesia which has helped many Singapore businesses establish networks and partnerships there.

Alongside him is a team of experts dedicated to their respective areas of expertise, providing a comprehensive one-stop solution to clients worldwide.

Biz Content

8 Legal Ways to Reduce Your Personal Income Tax

Get Your Crypto Now 2

Hello Business Owners and Friends!

Are you tired of seeing a significant portion of your hard-earned income being deducted as personal income tax every year?

We know that filing of personal tax in Singapore can be daunting, but did you know that there are several ways to legally reduce your personal income tax burden?

Our team has identified several legal and ethical strategies that can significantly reduce your tax liability and put more money back in your pocket. Without further ado, here’s all you need to know about how to reduce your personal income tax for the Year of Assessment (YA) 2024.

1. Deductions on work from home expenses


If you are working remotely due to your employer’s mandate and not being reimbursed for the additional expenses incurred at your home office, you can claim them as a tax deduction. Do note that you need to keep and submit supporting documents upon request.

Note that for most of these expenses, you can only claim the difference in the bill amount before and after working from home. You may also claim deductions for your Wi-Fi monthly subscription fees if the Wi-Fi was installed solely for work purposes.

If you continue to subscribe to the service after you no longer work from home, the subscription fees you incur thereafter will not be deductible.

In households where more than one person is working from home, the IRAS will allow an equal apportionment basis to calculate the shared expenses among all working individuals in the same household.

2. Deductions on rental expenses

As a property owner who rents out their property for income, you are entitled to claim   the costs incurred from renting it out. This includes mortgage interest, fire insurance premiums, and out-of-pockets expenses for repairs and maintenance.

If you have outstanding repairs such as peeling paint on walls, or require furniture replacement, it may be worthwhile to complete these tasks before the year ends. This could be a great way to kickstart the new year with a fresh start.

3. Deductions on work from home expenses

The Singapore government provides Parent Relief as a means of fostering filial piety and acknowledging those who care for their parents, grandparents, parens-in-law, or grandparents-in-law. Do note that you must satisfy all the conditions below to claim Parent Relief / Handicapped Parent Relief for YA 2023:
Qualifying Conditions Parent Relief Handicapped Parent Relief
The dependant was living in your household in Singapore 2022. If the dependent lived in a separate household in Singapore, you must have incurred $2,000 or more in supporting him/her in 2022. Yes Yes
The dependent was 55 years of age or above in 2022. Yes Not applicable
The dependent is physically or mentally disabled. Not applicable Yes
The dependent did not have an annual income exceeding $4,000 in 2022. Yes Not applicable
Amount of relief
Type of Parent Relief Parent Relief Handicapped Parent Relief
Taxpayer stays with dependent $9,000 per dependent $14,000 per dependent
Taxpayer does not stay with dependent $5,500 per dependent $10,000 per dependent

4. Working Mother’s Child Relief (WMCR)


Tax relief claims are also available for working mothers who have hired a domestic helper or enlisted the help of their parents or in-laws for childcare duties in the previous year.

If you want to claim WMCR in YA 2023, you have to satisfy these conditions in 2022:

  1. You must be a working mother who is married, divorced, or widowed.
  2. You must have a taxable earned income from employment, pensions, trade, business, or profession.
  3. You must have provided care for a Singapore Citizen child who meets the requirements of Qualifying Child Relief (QCR) or Handicapped Child Relief (HCR) as of December 31, 2022.

Aside from that, if you’re a working mother in Singapore with school-going children, you can claim relief for the foreign domestic worker levy paid in the previous year.

You’re allowed to claim twice the total foreign domestic worker levy paid in the year 2022 on one foreign domestic worker.

Lastly, there is also Grandparent Caregiver Relief (GCR) which is a tax relief that can be claimed by working mothers who seek assistance from their parents, grandparents, parents-in-law, or grandparents-in-law to take care of their children.

This relief allows you to claim up to $3,000 in tax deductions.

5. Top up your CPF Special Account (SA)

If you want to reduce your taxable income while also preparing for your retirement, consider making voluntary top-ups to your CPF Special Account (SA).

Previously, the tax relief for CPF SA top-ups was capped at S$7,000 for yourself and another S$7,000 for your loved one.

However, the tax relief has been revised and now you can enjoy up to S$8,000 in tax relief for yourself and an additional S$8,000 for your family, bringing the total tax relief S$16,000.

Furthermore, your money in CPF SA also earns a competitive interest of 4% p.a.

6. Contribute to your Medisave account

You can enjoy tax relief by voluntarily contributing to your Medisave account, if you have not reached your Basic Healthcare Sum (BHS). These funds can be used to cover medical expenses and they also earn a competitive interest rate of 4% p.a.

7. Donate to approved institutions


Did you know that donations to Institutions of a Public Character (IPC) come with juicy 250% tax deduction? This means, if you donate $10,000, you can claim a tax deduction of 250% x $10,000 = $25,000, which will be deducted from your chargeable income.

Currently, there are 674 IPCs listed on the charities.gov.sg portal, for example, Art Retreat Limited, 365 Cancer Prevention Society, Climate Governance Singapore Limited, Causes for Animals, and many more.

Besides cash donations, other tax-deductible contributions include SGX-listed shares, units in unit trusts, artefacts (to National Heritage Board), sculptures or artworks (to National Heritage Board), land, and buildings.

8. Sign up for courses

By enrolling in an eligible course, not only can you enhance your skills and employability, but you can also benefit from course fee relief up to $5,500 annually. No doubt, this is a win-win situation!

The deadline to file your tax is on the 18th of April 2023, so remember to file your tax before that date.

If you are struggling or too busy with your business and work to file your NOA for 2023, don’t worry, Bizsquare has got your back!

Our team of experts is here to answer any queries you may have regarding your NOA filling process.

Contact us today to get the help you need and ensure that your NOA for 2023 is filed correctly and on time!

Bizsquare is a one-stop business consultancy firm providing Loan Consultancy Services, Accounting and Corporate Secretarial Services, Branding and Marketing Consultancy, Strategy Management and Start-up Mentorship.

Bizsquare is a one-stop business consultancy firm providing Loan Consultancy Services, Accounting and Corporate Secretarial Services, Branding and Marketing Consultancy, Strategy Management and Start-up Mentorship.