Getting to know you.
Every plan starts with understanding the person behind the money. Today isn't about products — it's about your life, what matters to you, and what a good outcome actually looks like from where you're sitting.
About you
The basics first, then the more interesting bit.
A few practical details for the calculations
Your story
How you got here shapes where you're going.
Your goals
Let's map out what you're actually working towards.
Short term Next 12 months
Medium term 2 – 5 years
Long term 10+ years
The one you'd pick if you could only have one.
How you are with money
There's no right answer here — only what's true for you.
Which of these sound like you? Pick up to three
How confident do you feel in these areas?
1 is not at all, 5 is very.
What's on your mind
The part that usually matters most.
Working together
So I know how to be useful to you, rather than guessing.
Have you worked with an adviser before?
What would you want from someone in this role?
How would you rather I keep in touch?
Today's focus
Let's make the most of the time we have.
Imagine we've finished. How would you like to leave feeling?
Pick as many as fit.
What actually arrives, and where it goes.
Everything else we look at today rests on this. Whatever's left over each month is the engine — the rest of the session is really just deciding where to point it.
This is the foundation.Every stage after this one is a decision about where your surplus goes. Get this right and the rest gets easier.
Add your income and expenses and the shape of your month appears here.
The share of everything coming in that you still have at the end of the month.
Money in
What lands in your account each month, after CPF.
See where your CPF goes first
Money out
Ballpark is fine. We're after the shape of your month, not an audit.
Where it goes
Every dollar that comes in, sorted by where it ends up.
Against planning guidelines
The ranges planners tend to work with, translated into dollars at your income so they're actually usable. Guidelines, not rules — someone renting at 26 and someone with a mortgage and two kids at 45 should look quite different, and that's fine.
| Category | Yours | Suggested range | Where you sit | Read |
|---|
Now give every dollar a purpose
Knowing you have a surplus is the easy part. This works out where it should go, based on the gaps this dashboard has already measured — your buffer, your protection, your goals. Nothing here is a house rule.
A few things worth noticing
Pulled from your numbers, not from a template.
Everything you own, minus everything you owe.
The total is the easy part. The question worth an hour of your time is whether the money is actually working — and how much of it is sitting there waiting for someone to give it a job.
What you own, less what you owe.
Compounding toward something.
Cash with no job yet.
How hard your balance sheet is working.
What you own
Rough current values are fine.
What you owe
Where it's all held
Every asset you listed, grouped by what it actually is.
Your cash, and what it's for
Cash has one job before it has any other: to carry you through the months when income doesn't arrive. Once that's covered, the rest is free to do something else.
Give every dollar a job
Money without a purpose tends to drift. Assign what you can — whatever's left over is the honest number we work with.
If that money went to work
An illustration to think with — not a recommendation, not a product, and returns are never guaranteed.
Money efficiency
Four things, weighted. Working assets and growth exposure count for most, because a buffer and no debt are easy to max out by simply owning very little. Every weight is on show — a score you can't take apart isn't worth trusting.
If the income stopped tomorrow.
Three questions here: are you protected, what do you already own, and is it costing a sensible amount? This part protects the plan, not a product — every figure is an estimate we adjust together.
covered by liquid assets
Protection score
Cover held against the planning estimates, area by area.
Where the premiums go
Your monthly outlay, grouped by what each policy is actually for.
Your protection portfolio
Everything you already own, in one place. Click any policy to see the detail — nominees, start date, sum assured, cash or fund value.
| Policy & insurer | Purpose | What it covers | Premium term | Frequency | Monthly | Status |
|---|
What would be there for the people you look after
These are separate situations, not a running total. Each shows what would be payable in that one circumstance — the figures don't add together, because life doesn't hand them to you all at once.
Assumptions
These are all adjustable, and you should see me change them. Assumptions you can't see are the difference between a plan and a sales pitch.
Cover in force today
These figures drive the analysis. Add policies above and pull the totals across, or type them straight in.
Estimated need against cover held
Worked out from the assumptions on the left, your income and what you owe. These are starting points for a conversation, not a verdict.
The bit people tend to miss
You don't only buy cover with money. You buy it with your health.
Premiums are priced off age and health at the point of application, and both move in one direction. A condition that appears between now and the next review doesn't make cover impossible — it makes it a different conversation, with exclusions, loadings or a narrower set of options. That's the real cost of waiting here, and it isn't measured in dollars.
Reading the picture
Strengths first, then the priority. Drawn from your numbers, not a template.
Life events worth a second look
Protection isn't a one-time decision. Any of these changes what "enough" means — worth a conversation when one happens rather than at the next annual review.
Add a policy
Only the name and premium are needed to start. The rest builds the vault over time.
The retirement fund you're already building.
You've been paying into this every month without thinking about it. For most people in Singapore it ends up being the single biggest thing they retire on — so it's worth knowing what it's actually going to give you.
Start here, not with products.Whatever we plan afterwards sits on top of this. It makes no sense to work out what you're short of before knowing what you've got.
A few details
That's all the projection needs.
Planning levers
Kept out of the client view — switch on Deep dive when you need them.
Where it gets to
If today's rates hold — they'll drift, but the shape holds.
How close are you?
Measured against the three retirement sums for your cohort. Only what sits in your Retirement Account counts here — that's the part that turns into income.
What lands in your account each month
From 65, for the rest of your life. Shown in today's money, so it means something.
What this means for you
Three things worth taking away.
When would you like work to become optional?
Not "retirement" — that word carries too much baggage. Just the point where earning becomes a choice. Everything below works backwards from your answer, and every assumption is yours to change.
Nothing here is a product.This page is about the arithmetic of getting there. What you use to do it is a separate conversation.
From the income you want, to the capital it takes
Three steps, and the middle one is where most plans quietly go wrong.
Your levers
Change anything. Everything downstream follows.
CPF LIFE is layered in from Stage 04 and reduces the target from 65 onward. Turn the offset off there to see the private-capital-only number.
The three things in the equation
Only one of them is yours to move. Tap it.
See it for yourself
Move each one and watch which actually shifts the outcome. Don't take my word for it — the graph is doing the arguing.
When does your money start working?
Every dollar has one job — to spend as much time in the market as it can. This compares the same total amount invested each year. The only thing that differs is when each dollar starts compounding.
Before any dollar figures — just how long the average dollar actually spends invested.
Both start from nothing, both receive the same amount every year, both earn the same return. Watch where they separate.
So which one is right for you?
Neither, in the abstract. It depends entirely on when the money actually reaches you.
Both conclusions come from the same principle: idle cash isn't neutral, it's a small ongoing cost. The practical version of that principle is different depending on whether your money arrives in twelve pieces or one.
What waiting actually costs
Same goal, same assumptions, same everything — started later. The bar is what the delay adds to your monthly commitment.
If you already invest on your own
Plenty of people do it well without an adviser, and I'm not going to pretend otherwise. Here's the honest split of what each side actually covers.
The best plan isn't the one with the highest projected return. It's the one you'll still be following in twenty years — which usually means the one you understood well enough to believe in.
What the money is actually for.
Everything you're working towards has a price, a date, and a monthly number sitting behind it. Inflation quietly moves the first one, which is usually the surprise.
Add a goal
What are you saving for? Let's give the money a purpose.
Your goals timeline
See them in the order they actually happen.
Where you stand, and what moves next.
Four pillars, weighted. You can see and change every weight — a score you can't question isn't worth much.
What's actually standing in the way
Starting today, versus later
Same contribution, same assumptions. The only thing that changes is when you begin.
| If you start | Capital at retirement | Difference |
|---|
Foundation
A buffer, hospital cover, basic protection, and a month that still works when something goes wrong. Everything else can wait.
Build
The foundation holds, so the surplus finally gets pointed somewhere. Investing, CPF decisions, funding the goals, retirement properly underway.
Consolidate
The wealth is there and now needs structure around it. Tax, estate, business, and how it passes on.
What we agreed today
Written down while we're both still in the room, so nothing has to survive on memory. This prints with the summary.
Nothing here was sold to you.
This is simply where you stand and where the gaps are. What we do about any of it is the next conversation, and it starts from your numbers rather than a brochure.
Someone you know is where you were this morning.
Most people carry a quiet, low-level worry about money for years without ever seeing it laid out in front of them. It's almost never because they don't care — it's because nobody ever sat down and did this with them. If a face came to mind while we were talking, this page is where you can do something about it.
Who came to mind during today's session?
Take a second with these. Tap any that ring true and I'll carry it across to the note.
Someone in mind
First name is plenty to begin with.
Nothing will happen until they've said yes themselves. There's a note below you can send them whenever it feels natural.
People you'd want to pass this to
Thank you for today.
You sat down and showed me the actual numbers — the ones most people never say out loud to anyone. You asked good questions about all of them, and you were honest when the answer was "I don't know." That takes trust, and I don't take it lightly.
Whatever you decide to do from here, you now know exactly where you stand. That was the whole point of today, and it's yours to keep either way.
And if this hour was worth something to you, it might be worth something to someone you care about. No pressure in either direction — what we've built today stands whether you name a single person or not.
The one page they take home.
Everything here is pulled live from the stages behind it — change a number anywhere and this follows. The two dashed boxes are yours to write in, and nothing overwrites them.