Empower Your Retirement Journey with Knowledge
Access expert insights and resources from Golden Age Pension Planners to confidently plan your financial future in Singapore. We provide trusted advice for CPF, investments, pensions, and estate planning, ensuring you're well-prepared for the years ahead.
Guiding Singaporeans Towards a Confident Retirement
Golden Age Pension Planners is a premier, independent financial advisory firm proudly based in the heart of Singapore, dedicated exclusively to the art and science of comprehensive retirement planning. We were founded with a clear vision: to demystify the complexities of financial planning and empower individuals and families across Singapore with the essential knowledge, tailored strategies, and unwavering support needed to achieve enduring long-term financial security. Our ultimate goal is to ensure you can embrace and truly enjoy your well-deserved golden years with peace of mind and financial confidence. We understand that retirement planning in Singapore involves navigating unique local considerations, such as the Central Provident Fund (CPF) system, Supplementary Retirement Scheme (SRS), and specific investment landscapes, and we possess deep expertise in integrating these elements effectively.
At the core of our philosophy lies the unwavering belief that well-informed decisions are the bedrock of any successful and resilient retirement plan. This conviction drives our commitment to prioritize client education above all else, ensuring you understand not just the 'what', but the 'why' behind every recommendation. We champion transparency in all our interactions, fostering a relationship built on mutual trust and clear communication. Every piece of advice we offer is meticulously personalized, carefully tailored to reflect your unique life circumstances, aspirations, risk tolerance, and specific retirement goals. We don't believe in one-size-fits-all solutions; instead, we engage in deep discovery to craft strategies that are truly yours. This client-centric approach extends beyond initial planning; we see ourselves as your long-term partners, committed to reviewing and adjusting your plan as life evolves.
Our history is rooted in a passion for helping Singaporeans navigate the often-daunting path to retirement. Seeing a need for specialized, unbiased advice focused solely on this critical life stage, our founders established Golden Age Pension Planners to provide a higher standard of care and expertise. We operate under the stringent regulations of the Monetary Authority of Singapore (MAS), upholding the highest ethical standards. Our values are the compass guiding our practice: Integrity ensures we always act in your best interest; Client Education empowers your decision-making; Personalized Strategies guarantee relevance; and a commitment to Long-Term Partnership means we're with you every step of the way, celebrating milestones and navigating challenges together. We strive to be more than just advisors; we aim to be trusted guides on your journey to a prosperous retirement.
Our Core Values:
- Integrity & Trust: Always acting in your best interest.
- Client Education: Empowering you with knowledge.
- Personalized Strategies: Tailoring plans to your unique needs.
- Long-Term Partnership: Supporting you throughout your journey.
Experience the Golden Age Difference
Choosing the right financial partner is crucial for your retirement success. Discover why discerning Singaporeans trust Golden Age Pension Planners to guide their financial future.
Education-First Approach
We don't just provide advice; we ensure you understand it. We empower you with clear, jargon-free explanations and comprehensive resources, enabling you to fully grasp your financial options and make decisions with confidence.
Tailored Retirement Strategies
Your retirement dreams are unique, and so should be your financial plan. We meticulously craft personalized strategies centered around your specific life goals, desired timeline, income needs, and individual risk tolerance.
Experienced Singapore Advisors
Benefit from our team's deep, localized expertise. We possess an intricate understanding of Singapore's financial landscape, including CPF regulations, SRS schemes, tax implications, and local market nuances.
Holistic Financial Planning
We look at the bigger picture. Our comprehensive approach addresses all interconnected aspects of your financial life, from accumulating wealth through investments to protecting it with insurance and preserving it via estate planning.
Transparent Fees
Trust is built on clarity. We practice clear, upfront, and honest communication regarding our fee structure, ensuring you understand the costs involved with no hidden charges or unwelcome surprises.
Long-Term Partnership
Retirement planning isn't a one-off event; it's an ongoing journey. We are committed to being your steadfast partners, providing continuous support, regular progress reviews, and proactive adjustments as your life evolves.
Knowledge is Power: Your Retirement Resource Hub
Explore our curated collection of guides, insightful articles, and practical tools designed to help you navigate the path to retirement and make informed financial decisions with greater clarity.
The Ultimate Singapore Retirement Planning Guide
Our signature comprehensive downloadable PDF guide. It delves into critical topics like maximizing your CPF savings, understanding the Supplementary Retirement Scheme (SRS), building effective investment portfolios for retirement income, and outlining essential planning steps tailored for Singapore residents.
Understanding Your CPF Retirement Sums
Navigate the complexities of the CPF system with ease. This article clearly demystifies the Basic Retirement Sum (BRS), Full Retirement Sum (FRS), and Enhanced Retirement Sum (ERS), explaining what these figures mean for your potential monthly payouts and overall retirement security.
Retirement Savings Calculator
Gain a clearer picture of your savings goals. Use our interactive calculator to estimate the total savings required to support your desired retirement lifestyle, factoring in inflation and potential investment returns. (Note: This tool provides estimates only and should not replace personalized advice).
Upcoming Webinar: Investment Strategies for Retirees
Planning to retire soon or already retired? Join our financial experts in an insightful online session focused on managing investments effectively post-retirement. Learn about income generation strategies, risk management, and adapting your portfolio. Date: [Check Events Page for Dates]
Comprehensive Financial Planning Services
We offer a suite of tailored solutions designed to address every facet of your financial well-being, ensuring you meet your retirement and long-term financial goals with a cohesive and robust strategy.
Retirement Planning
Our core expertise lies in crafting highly personalized retirement strategies. We integrate all crucial components, including optimizing your CPF LIFE payouts, leveraging the Supplementary Retirement Scheme (SRS), structuring efficient investment portfolios, and projecting sustainable income streams to ensure you enjoy a financially secure and fulfilling retirement.
Includes: Detailed cash flow analysis, personalized goal setting, inflation adjustment, tax efficiency review, withdrawal strategy development.
Pension Management
For clients with existing corporate or private pension plans (less common in Singapore but relevant for some expatriates or those with international assets), we provide expert advice on managing these assets effectively. This includes analyzing payout options, considering potential rollovers, and integrating pension income into your overall retirement plan.
Includes: Analysis of defined benefit/contribution plans, commutation options, cross-border considerations, beneficiary designations.
Investment Advisory
Building and managing wealth requires a disciplined approach. We design and actively manage diversified investment portfolios carefully aligned with your specific risk tolerance, time horizon, and long-term financial objectives, whether focused on growth, income generation, or capital preservation for retirement.
Includes: Global asset allocation, portfolio construction, risk management strategies, selection of investment vehicles (unit trusts, ETFs, etc.), regular performance reviews and rebalancing.
Estate Planning
Ensure your legacy is protected and your wishes are carried out seamlessly. We provide essential guidance on crucial estate planning tools such as wills, CPF nominations, trust structures, and establishing a Lasting Power of Attorney (LPA), helping you safeguard your assets for future generations.
Includes: Coordination with legal professionals, wealth transfer strategies, business succession planning considerations, charitable giving strategies.
Insurance Solutions
Protecting yourself and your loved ones against unforeseen events is a cornerstone of sound financial planning. We conduct thorough assessments of your insurance needs – including life, critical illness, disability income, and long-term care (like CareShield Life supplements) – to ensure you have adequate coverage without being over-insured.
Includes: Comprehensive needs analysis, existing policy review and optimization, identifying coverage gaps, recommending suitable insurance products from reputable insurers.
Our Collaborative Approach to Your Financial Future
We follow a clear, structured, and collaborative process designed for your complete understanding and ultimate success. This ensures transparency and keeps you involved every step of the way.
1
Initial Consultation & Discovery
Our journey begins with a confidential, no-obligation meeting where we take the time to truly understand you – your aspirations, current financial standing, specific retirement goals, timeline, and any concerns you may have. This forms the foundation of our relationship.
2
Data Gathering & Analysis
We systematically collect all relevant financial information (income, expenses, assets, liabilities, existing policies, CPF statements). Our experts then meticulously analyze this data, assessing your current position relative to your stated objectives and identifying potential opportunities or shortfalls.
3
Strategy Development & Presentation
Based on our analysis, we craft a comprehensive, personalized financial plan. This includes clear, actionable recommendations covering investments, savings, insurance, and estate planning. We present this strategy to you in an easy-to-understand manner, addressing all your questions.
4
Plan Implementation
Once you fully understand and approve the proposed plan, we move to the implementation phase. We assist you in putting the agreed-upon strategies into action efficiently, whether it involves setting up investment accounts, applying for insurance, or coordinating with other professionals.
5
Ongoing Monitoring & Review
Your financial journey doesn't end with implementation. We establish a schedule for regular reviews (typically annually or semi-annually) to monitor your plan's progress, discuss performance, and make necessary adjustments based on changes in your life, goals, or market conditions.
Experienced Professionals Dedicated to Your Success
Meet some of the qualified and passionate experts at Golden Age Pension Planners who are committed to guiding you confidently through your retirement planning journey.
Eleanor Tan
Senior Retirement Planner, CFP®
With over 15 years of dedicated experience in the Singapore financial advisory sector, Eleanor is a Certified Financial Planner® professional who excels at helping clients navigate complex retirement challenges. She specializes in creating truly holistic financial plans that integrate CPF, investments, insurance, and legacy planning, always prioritizing client education and long-term well-being.
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David Lim
Investment Advisor, CFA
David holds the prestigious Chartered Financial Analyst® designation and focuses his expertise on constructing and managing resilient investment portfolios. He is adept at tailoring strategies for retirement income generation, capital preservation, and long-term growth, always considering the client's risk profile and the prevailing market conditions in Singapore and globally.
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Sarah Chen
Estate Planning Specialist
Sarah plays a crucial role in helping clients secure their legacy. She provides specialized guidance on structuring estates effectively through wills, trusts, CPF nominations, and LPAs. Sarah works closely with clients and legal partners to ensure their final wishes are clearly articulated and assets are protected for their beneficiaries, minimizing potential disputes and taxes.
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Building Brighter Futures, Together
Don't just take our word for it. Hear directly from Singaporeans who have partnered with Golden Age Pension Planners to achieve greater clarity and confidence in their retirement journey.
Mr. & Mrs. Rajendran
Retirees, Tampines, Singapore
"Golden Age Planners, especially Eleanor, helped us understand our CPF LIFE options like never before. We were confused about the different sums and payouts, but they explained everything patiently. We feel much more confident and secure about our retirement income now. Highly recommended for their clarity!"
Ms. Aisha Bakar
Marketing Manager, Jurong East, Singapore
"The personalized investment strategy David Lim created fits my risk tolerance perfectly and aligns with my long-term goals. What impressed me most was their educational approach – they made complex investment concepts easy to grasp, empowering me to understand my portfolio better."
Mr. Tan Wee Kiat
Small Business Owner, Ang Mo Kio, Singapore
"Golden Age Pension Planners are professional, knowledgeable, and genuinely caring. They took the time to understand my unique situation as a business owner and developed a solid, integrated plan covering personal retirement and business succession. Their advice on SRS contributions was particularly helpful."
Mrs. Lee Mei Ling
Teacher, Bishan, Singapore
"As someone approaching retirement, I was feeling overwhelmed. Sarah Chen's guidance on estate planning and setting up my LPA was invaluable. The team provided a holistic view, ensuring my insurance coverage was adequate too. I feel so much more prepared."
Mr. Kumar Pillai
Engineer, Woodlands, Singapore
"I appreciated their transparent fee structure and the detailed plan they presented. They didn't just push products; they focused on creating a strategy that made sense for my family's future. The regular review meetings keep us on track. Trustworthy and reliable."
Have Questions? We Have Answers
Find answers to some of the most common questions about retirement planning in Singapore and working with Golden Age Pension Planners.
How much do I need to retire comfortably in Singapore?
This is a highly personalized question, as "comfortable" varies greatly depending on your desired lifestyle, expected expenses (including healthcare), travel plans, and intended retirement age. Factors like housing status (owned or rented) also play a big role. While benchmarks like the CPF Full Retirement Sum (FRS) provide a baseline for essential needs via CPF LIFE payouts, a truly comfortable retirement often requires significantly more. Our comprehensive planning process involves detailed cash flow projections tailored to your specific aspirations to help you determine a realistic and personalized retirement savings target. We'll analyze your expected expenses, factor in inflation, and help you build a savings and investment strategy to reach that goal.
What are your fees?
We believe in complete fee transparency. Our compensation structure depends on the scope and complexity of the services you require. For comprehensive financial planning, we typically charge a fee-based advisory fee, which is clearly outlined and agreed upon before any work commences. This ensures our advice is objective and aligned with your best interests. For the implementation of specific financial products (like insurance or investments), we may receive commissions from the product providers, which are always fully disclosed to you in accordance with MAS regulations. We will discuss all fee options during our initial consultation so you can make an informed decision.
How is Golden Age Pension Planners different from other financial advisors?
Our key differentiators lie in our specialized focus, educational approach, and commitment to long-term partnerships. Firstly, our primary expertise is dedicated retirement planning within the specific Singaporean context, including deep, practical knowledge of CPF, SRS, and local investment opportunities. Secondly, we prioritize client education, empowering you to understand your options thoroughly before making decisions. Thirdly, we emphasize holistic planning, looking at how all pieces of your financial life fit together. Finally, we build lasting relationships, providing ongoing support and reviews, rather than focusing solely on one-time transactions. We operate as licensed financial advisers regulated by MAS, adhering to strict ethical and professional standards.
What is the first step to get started?
Getting started is simple and commitment-free. The first step is to schedule an initial consultation with one of our experienced planners. You can easily do this by filling out the contact form on our website or by calling our office directly at +65 6222 3456. This introductory meeting is complimentary and serves as an opportunity for us to understand your situation and retirement goals, and for you to learn more about our services and approach. It allows both parties to determine if we are the right fit to work together towards achieving your financial objectives.
Do you only work with high-net-worth individuals?
No, we proudly serve individuals and families across various stages of their financial journey who are genuinely committed to planning for a secure retirement. Whether you are in your early career just beginning to think about retirement savings, mid-career looking to optimize your CPF and investments, or nearing retirement and needing strategies for income generation and estate planning, we have the expertise to assist you. Our focus is on your commitment to the planning process, not just your current asset level. We tailor our services to meet the needs of diligent savers and planners aiming for financial independence in their later years.
Start Your Retirement Conversation Today
Ready to take control of your financial future? Reach out to us for a complimentary, no-obligation consultation or simply to ask any questions you may have. We're here to help you navigate your path to a secure retirement.
Phone
+65 6222 3456
Address
10 Marina Boulevard, #23-05
Marina Bay Financial Centre Tower 2
Singapore 018983
Business Hours
Monday - Friday: 9:00 AM - 6:00 PM
Closed on Public Holidays