Four steps from your CPF statement to a monthly figure
One review, run by a Financial Consultant. You bring the papers, we do the adding up, and you decide what happens next.
Book a free reviewTell us how you want to live
When would you like to stop work? What does a normal month cost you now, and what will change? Is anyone still depending on you?
Put everything you have on one page
CPF balances, cash, investments and every policy you can find. We list each policy with what it covers, what it costs a year and when premiums stop. Missing a document? Bring what you have and we work with that.
See your monthly figure and the gap
Your monthly retirement figure shows what your resources can pay you each month for the life you described in step 1, and the shortfall, if any. We also run a few what-ifs: stopping work two years earlier, topping up your Retirement Account, a long hospital stay at 75.
You decide
If you want help closing the gap, we go through the options with you and review the plan each year after that. If you'd rather think it over, take the report home. Nobody chases you for a decision.
What the review covers
CPF and retirement income
Which retirement sum and CPF LIFE plan fit your goal, what happens to your savings at 55 and 65, and ways to add to your monthly payouts, such as cash top-ups and the Supplementary Retirement Scheme.
Healthcare and long-term care
What MediShield Life, your Integrated Shield Plan and CareShield Life or ElderShield already cover, and what a long illness or care at home could still cost you.
Your existing policies and investments
What each one is for, whether two plans overlap, and whether what you hold still fits a retirement that's ten years away instead of thirty.
Who gets what
Whether your CPF nomination and your policy nominations are in place and up to date. For a will or a Lasting Power of Attorney, we'll point you to the official guides and a lawyer.
Before you come
- Your latest CPF statement (you can download it from the CPF website with Singpass)
- Policy documents or annual statements, for insurance and investments
- A rough idea of what you spend in a month
Partial is fine. Couples are welcome, and sessions run in English or Mandarin, in person or by video call.
Questions people ask
Is there a cost?
No. The review is free and there's no obligation to buy anything.
What if I don't have all my documents?
Bring what you have. The more we can see, the more exact the figure, but a CPF statement alone is enough to start.
Can my spouse join?
Yes. Most couples plan retirement together, so it helps when you both hear the same numbers.
What happens after the review?
You keep the report. If you'd like help closing the gap, we arrange a second meeting to go through options. If not, that's the end of it.
Can I reschedule?
Yes. Send us a message through the contact form and we'll find another time.
Find out what you'll really have each month
Book a free review with a Financial Consultant.
Book a free review