Many people defer retirement planning thinking that it is still so far away; others are frozen into inaction because they are unsure where to begin. Our clients rely on our experienced financial consultants to achieve their dream retirement confidently with a holistic plan.
Defining your dream retirement lifestyle
When our clients share their financial aspirations with us, we take this privilege seriously. Our financial consultants guide them to articulate their dreams in detail so we can calculate how much is needed to fund their dream retirement.
Developing a comprehensive retirement strategy
With clear costings of the retirement “bucket list” as well as a strategic view of our clients’ overall financial situation—presently and in the future years, we accompany our clients along their step-by-step journey towards retirement security. Our comprehensive retirement strategy will typically include:
Savings—working out a feasible quantum, starting early to increase the power of compounding investment returns and saving regularly
Expenses—including buffers for contingencies such as job changes
Income—considering any additional revenue streams (e.g. CPF and other pension, downsizing to a cheaper residence, taking public transport in lieu of paying off car loan etc.); and the possibility of extending your working years in different capacities (e.g. on a part-time or contract basis)
Protection— assessing if coverage is sufficient and suitable especially for healthcare as needs tend to increase with age; exploring the viability of an annuity plan as part of retirement planning
Investment—recommending suitable products to balance the risk tolerance with projected returns; explaining CPF investment schemes (CPFIS) to help you understand how your mandatory CPF savings can work harder for you
Embracing your personalised retirement plan
With our professional financial insights and active market watch, we finetune plans to ensure they address your evolving personal circumstances, giving you the confidence to follow through.
Going from a lifetime of working to retirement is a significant personal milestone. By helping you build a comprehensive strategy that addresses your long-term financial needs, you can look forward to a smooth transition to retirement.
