LUMA CFO offers a full suite of business services for Singapore companies — company incorporation, corporate secretarial, accounting and bookkeeping (including XBRL), corporate tax, audit, payroll and HR, invoice management, and fractional CFO advisory. Everything is bundled into simple monthly packages so you're never paying for things you don't need.

Our packages start from SGD 500 per month for the Basic bundle, which covers incorporation, corporate secretarial, and accounting including XBRL filing. The Pro bundle at SGD 1,000/month adds tax, audit, payroll, HR and invoicing. For businesses that need CFO-level insights, the Pro Max bundle starts from SGD 1,500/month. All pricing is customised based on your transaction volume and business complexity.

Yes — this is one of our core services. We guide foreign founders and expats through the entire process: company incorporation with ACRA, appointing a corporate secretary, opening a corporate bank account, and getting your accounting and tax obligations set up from day one. We understand the unique challenges foreign business owners face in Singapore and handle the complexity so you can focus on your business.

Yes — every Singapore company is legally required to appoint a corporate secretary within 6 months of incorporation under the Companies Act. A corporate secretary handles your ACRA filings, annual returns, AGM documentation, and ensures your company stays compliant with statutory deadlines. LUMA CFO provides corporate secretarial services as part of all our bundles.

Collaborative, honest, and straightforward. We're here to guide the process, bring ideas to the table, and keep things moving. We are trained in Big 4s with vast hands on experience in operations, understanding you better than “armchair strategists”.

You are required to register for GST when your annual taxable turnover exceeds SGD 1 million. You can also register voluntarily before hitting that threshold, which can be beneficial if your clients are GST-registered businesses. LUMA CFO advises on GST registration timing and manages your quarterly GST filing once registered.

We use Xero as our primary platform, which gives you real-time access to your profit and loss, cash flow, and financial dashboards — anytime, from any device. We also provide document scanning so you don't need to keep physical receipts, and an invoice suite to manage your billing.

Most accounting firms handle compliance and stop there. We go further — our team are Big 4-trained professionals who use your financial numbers to surface real business insights: are you actually profitable, where are your costs running hot, and what does your cash flow look like in 3 months? We're also reachable on WhatsApp for fast, practical answers — not just at year-end filing time.