Advent Connect

Home
Singapore
Singapore
Advent Connect

Advent Connect trains Financial Consultants in the area of Retirement Planning and CPF matters. We Head over to our website for upcoming workshop dates.

Our workshops equip Financial Consultants with knowledge and tools in the area of CPF and Retirement Planning. With a personalized tool, agents can project CPF status at age 55, and incorporate that into a comprehensive Financial Portfolio for their clients. The Cash Flow tool will also value-add to clients with an accurate Retirement Plan taking into consideration all income and liabilities - giving a peace of mind to clients and increasing market share for agents.

28/08/2026

𝐖𝐡𝐚𝐭 𝐡𝐚𝐩𝐩𝐞𝐧𝐬 𝐚𝐟𝐭𝐞𝐫 𝐲𝐨𝐮 𝐢𝐝𝐞𝐧𝐭𝐢𝐟𝐲 𝐭𝐡𝐞 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐠𝐚𝐩?

A retirement-planning process should not stop when we discover that a client may have a shortfall.

In fact, that is when the Financial Consultant's work becomes particularly important.

Once the gap is identified, we need to explore:

𝐖𝐡𝐚𝐭 𝐜𝐚𝐧 𝐛𝐞 𝐝𝐨𝐧𝐞 𝐚𝐛𝐨𝐮𝐭 𝐢𝐭?

Depending on the client's circumstances, there may be different approaches.

For example:

𝐖𝐨𝐫𝐤 𝐥𝐨𝐧𝐠𝐞𝐫

The client may be able to continue working beyond the original retirement age.

𝐂𝐡𝐚𝐧𝐠𝐞 𝐭𝐡𝐞 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐥𝐢𝐟𝐞𝐬𝐭𝐲𝐥𝐞

Perhaps the desired lifestyle can be adjusted without compromising what is most important to the client.

𝐌𝐚𝐤𝐞 𝐛𝐞𝐭𝐭𝐞𝐫 𝐮𝐬𝐞 𝐨𝐟 𝐞𝐱𝐢𝐬𝐭𝐢𝐧𝐠 𝐚𝐬𝐬𝐞𝐭𝐬

There may be assets that can contribute more effectively to retirement funding.

𝐂𝐨𝐧𝐬𝐢𝐝𝐞𝐫 𝐡𝐨𝐮𝐬𝐢𝐧𝐠 𝐨𝐩𝐭𝐢𝐨𝐧𝐬

For some clients, housing-related strategies may form part of the solution.

𝐁𝐮𝐢𝐥𝐝 𝐚𝐝𝐝𝐢𝐭𝐢𝐨𝐧𝐚𝐥 𝐫𝐞𝐬𝐨𝐮𝐫𝐜𝐞𝐬

The client may need to accumulate additional funds before retirement.

The important point is:

𝐓𝐡𝐞𝐫𝐞 𝐢𝐬 𝐧𝐨 𝐮𝐧𝐢𝐯𝐞𝐫𝐬𝐚𝐥 𝐬𝐨𝐥𝐮𝐭𝐢𝐨𝐧.

The Financial Consultant needs to understand the client's circumstances and then help the client evaluate the available options.

This is why I see retirement planning as a process, rather than simply a calculation.

First, understand where the client is.

Then understand where the client wants to go.

Then identify the gap.

𝐀𝐧𝐝 𝐟𝐢𝐧𝐚𝐥𝐥𝐲, 𝐰𝐨𝐫𝐤 𝐰𝐢𝐭𝐡 𝐭𝐡𝐞 𝐜𝐥𝐢𝐞𝐧𝐭 𝐨𝐧 𝐡𝐨𝐰 𝐭𝐨 𝐛𝐫𝐢𝐝𝐠𝐞 𝐢𝐭.

26/08/2026

𝐁𝐞𝐟𝐨𝐫𝐞 𝐨𝐩𝐞𝐧𝐢𝐧𝐠 𝐭𝐡𝐞 𝐬𝐩𝐫𝐞𝐚𝐝𝐬𝐡𝐞𝐞𝐭, 𝐚𝐬𝐤 𝐭𝐡𝐞𝐬𝐞 𝐪𝐮𝐞𝐬𝐭𝐢𝐨𝐧𝐬.

A retirement-planning spreadsheet can calculate many things.

But a spreadsheet cannot decide:

𝐖𝐡𝐚𝐭 𝐤𝐢𝐧𝐝 𝐨𝐟 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐝𝐨𝐞𝐬 𝐭𝐡𝐞 𝐜𝐥𝐢𝐞𝐧𝐭 𝐰𝐚𝐧𝐭?

That conversation has to happen first.

When we conduct retirement planning, there are several things we need to understand before we start working through the numbers.

For example:

What does the client want their retirement lifestyle to look like?
When do they intend to retire?
What level of spending do they expect?
What other financial resources do they have?
Which expenses are essential?
Which expenses are discretionary?
What happens if their circumstances change?

Only then can the numbers begin to tell a meaningful story.

This is one of the principles behind our approach at Advent Connect:

𝐃𝐨𝐧'𝐭 𝐥𝐞𝐭 𝐭𝐡𝐞 𝐬𝐩𝐫𝐞𝐚𝐝𝐬𝐡𝐞𝐞𝐭 𝐝𝐫𝐢𝐯𝐞 𝐭𝐡𝐞 𝐜𝐨𝐧𝐯𝐞𝐫𝐬𝐚𝐭𝐢𝐨𝐧.
𝐋𝐞𝐭 𝐭𝐡𝐞 𝐜𝐥𝐢𝐞𝐧𝐭'𝐬 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐨𝐛𝐣𝐞𝐜𝐭𝐢𝐯𝐞𝐬 𝐝𝐫𝐢𝐯𝐞 𝐭𝐡𝐞 𝐬𝐩𝐫𝐞𝐚𝐝𝐬𝐡𝐞𝐞𝐭.

The tool is important.

But 𝐭𝐡𝐞 𝐭𝐡𝐢𝐧𝐤𝐢𝐧𝐠 𝐛𝐞𝐡𝐢𝐧𝐝 𝐭𝐡𝐞 𝐭𝐨𝐨𝐥 𝐢𝐬 𝐰𝐡𝐚𝐭 𝐦𝐚𝐤𝐞𝐬 𝐢𝐭 𝐮𝐬𝐞𝐟𝐮𝐥.

This is the kind of practical application we emphasize in our Retirement & CPF Planning training.

24/08/2026

𝐅𝐫𝐨𝐦 𝐂𝐏𝐅 𝐊𝐧𝐨𝐰𝐥𝐞𝐝𝐠𝐞 𝐭𝐨 𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐏𝐥𝐚𝐧𝐧𝐢𝐧𝐠 𝐂𝐚𝐩𝐚𝐛𝐢𝐥𝐢𝐭𝐲

What should a Financial Consultant be able to do after learning CPF?

Is it enough to know the rules?

We don't think so.

The more important question is whether the Financial Consultant can 𝐚𝐩𝐩𝐥𝐲 𝐭𝐡𝐞 𝐤𝐧𝐨𝐰𝐥𝐞𝐝𝐠𝐞 when working with a client.

For example:

𝐂𝐚𝐧 𝐲𝐨𝐮 𝐢𝐧𝐭𝐞𝐫𝐩𝐫𝐞𝐭 𝐭𝐡𝐞 𝐜𝐥𝐢𝐞𝐧𝐭'𝐬 𝐂𝐏𝐅 𝐩𝐨𝐬𝐢𝐭𝐢𝐨𝐧?

𝐂𝐚𝐧 𝐲𝐨𝐮 𝐜𝐨𝐧𝐧𝐞𝐜𝐭 𝐂𝐏𝐅 𝐰𝐢𝐭𝐡 𝐭𝐡𝐞 𝐜𝐥𝐢𝐞𝐧𝐭'𝐬 𝐨𝐭𝐡𝐞𝐫 𝐫𝐞𝐬𝐨𝐮𝐫𝐜𝐞𝐬?

𝐂𝐚𝐧 𝐲𝐨𝐮 𝐚𝐬𝐬𝐞𝐬𝐬 𝐰𝐡𝐞𝐭𝐡𝐞𝐫 𝐭𝐡𝐞 𝐫𝐞𝐬𝐨𝐮𝐫𝐜𝐞𝐬 𝐚𝐫𝐞 𝐥𝐢𝐤𝐞𝐥𝐲 𝐭𝐨 𝐬𝐮𝐩𝐩𝐨𝐫𝐭 𝐭𝐡𝐞 𝐜𝐥𝐢𝐞𝐧𝐭'𝐬 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐧𝐞𝐞𝐝𝐬?

𝐂𝐚𝐧 𝐲𝐨𝐮 𝐞𝐱𝐩𝐥𝐚𝐢𝐧 𝐲𝐨𝐮𝐫 𝐚𝐧𝐚𝐥𝐲𝐬𝐢𝐬 𝐬𝐢𝐦𝐩𝐥𝐲 𝐭𝐨 𝐭𝐡𝐞 𝐜𝐥𝐢𝐞𝐧𝐭?

𝐂𝐚𝐧 𝐲𝐨𝐮 𝐭𝐮𝐫𝐧 𝐭𝐡𝐞 𝐧𝐮𝐦𝐛𝐞𝐫𝐬 𝐢𝐧𝐭𝐨 𝐚 𝐦𝐞𝐚𝐧𝐢𝐧𝐠𝐟𝐮𝐥 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭-𝐩𝐥𝐚𝐧𝐧𝐢𝐧𝐠 𝐜𝐨𝐧𝐯𝐞𝐫𝐬𝐚𝐭𝐢𝐨𝐧?

These are very different skills from simply knowing CPF.

And this is the philosophy behind our Retirement & CPF Planning training at Advent Connect.

𝐖𝐞 𝐰𝐚𝐧𝐭 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐂𝐨𝐧𝐬𝐮𝐥𝐭𝐚𝐧𝐭𝐬 𝐭𝐨 𝐦𝐨𝐯𝐞 𝐟𝐫𝐨𝐦 𝐤𝐧𝐨𝐰𝐢𝐧𝐠 → 𝐮𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝𝐢𝐧𝐠 → 𝐚𝐩𝐩𝐥𝐲𝐢𝐧𝐠.

𝐼𝑓 𝑦𝑜𝑢 ℎ𝑎𝑣𝑒 𝑙𝑒𝑎𝑟𝑛𝑡 𝐶𝑃𝐹 𝑏𝑒𝑓𝑜𝑟𝑒 𝑏𝑢𝑡 𝑤𝑎𝑛𝑡 𝑡𝑜 𝑠𝑡𝑟𝑒𝑛𝑔𝑡ℎ𝑒𝑛 𝑡ℎ𝑒 𝑤𝑎𝑦 𝑦𝑜𝑢 𝑎𝑝𝑝𝑙𝑦 𝑖𝑡 𝑖𝑛 𝑟𝑒𝑡𝑖𝑟𝑒𝑚𝑒𝑛𝑡 𝑝𝑙𝑎𝑛𝑛𝑖𝑛𝑔, 𝑡ℎ𝑖𝑠 𝑖𝑠 𝑎𝑛 𝑎𝑟𝑒𝑎 𝑤𝑜𝑟𝑡ℎ 𝑑𝑒𝑣𝑒𝑙𝑜𝑝𝑖𝑛𝑔.

21/08/2026

𝐅𝐫𝐨𝐦 𝐂𝐏𝐅 𝐧𝐮𝐦𝐛𝐞𝐫𝐬 𝐭𝐨 𝐚 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐜𝐚𝐬𝐡𝐟𝐥𝐨𝐰 𝐩𝐢𝐜𝐭𝐮𝐫𝐞

One of the challenges in retirement planning is helping clients move from looking at individual accounts to seeing the 𝐨𝐯𝐞𝐫𝐚𝐥𝐥 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐩𝐢𝐜𝐭𝐮𝐫𝐞.

CPF is an important foundation.

But the Financial Consultant also needs to consider how CPF fits together with the client's other financial resources.

The next question is:

𝐇𝐨𝐰 𝐰𝐢𝐥𝐥 𝐭𝐡𝐞𝐬𝐞 𝐫𝐞𝐬𝐨𝐮𝐫𝐜𝐞𝐬 𝐰𝐨𝐫𝐤 𝐭𝐨𝐠𝐞𝐭𝐡𝐞𝐫 𝐝𝐮𝐫𝐢𝐧𝐠 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭?

This is where Retirement Cashflow Planning becomes useful.

Instead of looking at each asset in isolation, we can begin to consider:

𝐑𝐞𝐬𝐨𝐮𝐫𝐜𝐞𝐬 → 𝐈𝐧𝐜𝐨𝐦𝐞 → 𝐄𝐱𝐩𝐞𝐧𝐬𝐞𝐬 → 𝐂𝐚𝐬𝐡𝐟𝐥𝐨𝐰 → 𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐒𝐮𝐬𝐭𝐚𝐢𝐧𝐚𝐛𝐢𝐥𝐢𝐭𝐲

The objective is not to make retirement planning more complicated.

It is to make the client's retirement picture 𝐞𝐚𝐬𝐢𝐞𝐫 𝐭𝐨 𝐮𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝 𝐚𝐧𝐝 𝐞𝐚𝐬𝐢𝐞𝐫 𝐭𝐨 𝐝𝐢𝐬𝐜𝐮𝐬𝐬.

This is the practical application of retirement planning that we aim to develop through our training at Advent Connect.

19/08/2026

𝐊𝐧𝐨𝐰𝐢𝐧𝐠 𝐂𝐏𝐅 𝐢𝐬 𝐨𝐧𝐞 𝐭𝐡𝐢𝐧𝐠. 𝐀𝐩𝐩𝐥𝐲𝐢𝐧𝐠 𝐢𝐭 𝐢𝐧 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐩𝐥𝐚𝐧𝐧𝐢𝐧𝐠 𝐢𝐬 𝐚𝐧𝐨𝐭𝐡𝐞𝐫.

There is a difference between knowing CPF rules and being able to use CPF knowledge effectively in retirement planning.

A Financial Consultant may know:

the different CPF accounts;
the applicable limits;
CPF LIFE;
CPF schemes; and
the various rules affecting members.

But the next step is application.

Can we use that knowledge to understand the client's retirement position?

Can we connect CPF with the client's other resources?

Can we explain the implications clearly?

And can we turn the numbers into a meaningful conversation with the client?

This is why our training focuses not just on 𝐤𝐧𝐨𝐰𝐢𝐧𝐠, but on 𝐮𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝𝐢𝐧𝐠 𝐚𝐧𝐝 𝐚𝐩𝐩𝐥𝐲𝐢𝐧𝐠.

Because ultimately:

𝐊𝐧𝐨𝐰𝐥𝐞𝐝𝐠𝐞 𝐛𝐞𝐜𝐨𝐦𝐞𝐬 𝐯𝐚𝐥𝐮𝐚𝐛𝐥𝐞 𝐰𝐡𝐞𝐧 𝐰𝐞 𝐤𝐧𝐨𝐰 𝐰𝐡𝐚𝐭 𝐭𝐨 𝐝𝐨 𝐰𝐢𝐭𝐡 𝐢𝐭.

17/08/2026

𝐊𝐧𝐨𝐰𝐢𝐧𝐠 𝐭𝐡𝐞 𝐧𝐮𝐦𝐛𝐞𝐫𝐬 𝐢𝐬 𝐢𝐦𝐩𝐨𝐫𝐭𝐚𝐧𝐭. 𝐊𝐧𝐨𝐰𝐢𝐧𝐠 𝐡𝐨𝐰 𝐭𝐨 𝐮𝐬𝐞 𝐭𝐡𝐞𝐦 𝐢𝐬 𝐞𝐯𝐞𝐧 𝐦𝐨𝐫𝐞 𝐢𝐦𝐩𝐨𝐫𝐭𝐚𝐧𝐭.

One of the challenges in financial planning is that clients don't necessarily need more numbers.

They need help making sense of the numbers.

This is particularly true when we talk about CPF and retirement planning.

A Financial Consultant may know the CPF rules.

But can he or she:

interpret the client's CPF position?
connect CPF with the client's overall retirement picture?
explain the implications simply?
turn the analysis into a meaningful client conversation?

That is where knowledge becomes a professional skill.

At Advent Connect, our training is designed around 𝐮𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝𝐢𝐧𝐠, 𝐢𝐧𝐭𝐞𝐫𝐩𝐫𝐞𝐭𝐚𝐭𝐢𝐨𝐧 𝐚𝐧𝐝 𝐩𝐫𝐚𝐜𝐭𝐢𝐜𝐚𝐥 𝐚𝐩𝐩𝐥𝐢𝐜𝐚𝐭𝐢𝐨𝐧.

Because ultimately, the objective of training is not simply to know more.

𝐈𝐭 𝐢𝐬 𝐭𝐨 𝐛𝐞𝐜𝐨𝐦𝐞 𝐛𝐞𝐭𝐭𝐞𝐫 𝐚𝐭 𝐬𝐞𝐫𝐯𝐢𝐧𝐠 𝐜𝐥𝐢𝐞𝐧𝐭𝐬.

16/08/2026

𝐎𝐧𝐞 𝐨𝐟 𝐭𝐡𝐞 𝐡𝐚𝐫𝐝𝐞𝐬𝐭 𝐭𝐡𝐢𝐧𝐠𝐬 𝐭𝐨 𝐞𝐱𝐩𝐥𝐚𝐢𝐧 𝐭𝐨 𝐚 𝐜𝐥𝐢𝐞𝐧𝐭 𝐢𝐬 𝐭𝐡𝐞 𝐯𝐚𝐥𝐮𝐞 𝐨𝐟 𝐝𝐨𝐢𝐧𝐠 𝐬𝐨𝐦𝐞𝐭𝐡𝐢𝐧𝐠 𝐭𝐨𝐝𝐚𝐲 𝐟𝐨𝐫 𝐚 𝐟𝐮𝐭𝐮𝐫𝐞 𝐭𝐡𝐞𝐲 𝐜𝐚𝐧𝐧𝐨𝐭 𝐬𝐞𝐞.

Retirement planning is a good example.

The client may be comfortable today.

Retirement may still be 10, 15 or 20 years away.

So the question naturally becomes:

"𝐖𝐡𝐲 𝐝𝐨 𝐈 𝐧𝐞𝐞𝐝 𝐭𝐨 𝐭𝐡𝐢𝐧𝐤 𝐚𝐛𝐨𝐮𝐭 𝐢𝐭 𝐧𝐨𝐰?"

Because retirement planning is largely about creating financial capacity before it is needed.

The earlier we understand:

𝐃𝐞𝐬𝐢𝐫𝐞𝐝 𝐥𝐢𝐟𝐞𝐬𝐭𝐲𝐥𝐞 → 𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐚𝐠𝐞 → 𝐅𝐮𝐭𝐮𝐫𝐞 𝐜𝐚𝐬𝐡𝐟𝐥𝐨𝐰 → 𝐂𝐏𝐅 → 𝐎𝐭𝐡𝐞𝐫 𝐫𝐞𝐬𝐨𝐮𝐫𝐜𝐞𝐬

the more time we have to make adjustments.

This is why I encourage Financial Consultants to have the retirement conversation early.

Not because we can predict the future.

But because 𝐭𝐢𝐦𝐞 𝐠𝐢𝐯𝐞𝐬 𝐮𝐬 𝐦𝐨𝐫𝐞 𝐫𝐨𝐨𝐦 𝐭𝐨 𝐩𝐫𝐞𝐩𝐚𝐫𝐞 𝐟𝐨𝐫 𝐢𝐭.

14/08/2026

𝐎𝐧𝐞 𝐨𝐟 𝐭𝐡𝐞 𝐪𝐮𝐞𝐬𝐭𝐢𝐨𝐧𝐬 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐂𝐨𝐧𝐬𝐮𝐥𝐭𝐚𝐧𝐭𝐬 𝐬𝐡𝐨𝐮𝐥𝐝 𝐚𝐬𝐤 𝐰𝐡𝐞𝐧 𝐩𝐥𝐚𝐧𝐧𝐢𝐧𝐠 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭:

"𝐖𝐡𝐚𝐭 𝐡𝐚𝐩𝐩𝐞𝐧𝐬 𝐢𝐟 𝐭𝐡𝐞 𝐜𝐥𝐢𝐞𝐧𝐭 𝐧𝐞𝐞𝐝𝐬 𝐥𝐨𝐧𝐠-𝐭𝐞𝐫𝐦 𝐜𝐚𝐫𝐞?"

Retirement planning is often centered around accumulating enough assets to generate retirement income.

That's important.

But retirement income is only one part of the picture.

A client may be perfectly prepared for their normal retirement lifestyle but still be financially vulnerable if their health deteriorates.

This is why retirement planning should consider both:

𝐋𝐢𝐟𝐞𝐬𝐭𝐲𝐥𝐞 𝐧𝐞𝐞𝐝𝐬

and

𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐫𝐢𝐬𝐤𝐬.

The Financial Consultant's role is not simply to calculate how much a client needs to retire.

It is to help the client understand the financial implications of the different ways retirement could unfold.

𝐀 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐩𝐥𝐚𝐧 𝐬𝐡𝐨𝐮𝐥𝐝 𝐩𝐫𝐞𝐩𝐚𝐫𝐞 𝐟𝐨𝐫 𝐭𝐡𝐞 𝐠𝐨𝐨𝐝 𝐲𝐞𝐚𝐫𝐬 — 𝐰𝐡𝐢𝐥𝐞 𝐫𝐞𝐜𝐨𝐠𝐧𝐢𝐬𝐢𝐧𝐠 𝐭𝐡𝐚𝐭 𝐧𝐨𝐭 𝐞𝐯𝐞𝐫𝐲 𝐲𝐞𝐚𝐫 𝐰𝐢𝐥𝐥 𝐧𝐞𝐜𝐞𝐬𝐬𝐚𝐫𝐢𝐥𝐲 𝐛𝐞 𝐚 𝐠𝐨𝐨𝐝 𝐲𝐞𝐚𝐫.

12/08/2026

𝐃𝐨 𝐲𝐨𝐮𝐫 𝐜𝐥𝐢𝐞𝐧𝐭𝐬 𝐭𝐞𝐥𝐥 𝐲𝐨𝐮 𝐡𝐨𝐰 𝐦𝐮𝐜𝐡 𝐭𝐡𝐞𝐲 𝐰𝐚𝐧𝐭 𝐭𝐨 𝐬𝐩𝐞𝐧𝐝 𝐢𝐧 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭?

If a client says:

"𝐈 𝐰𝐚𝐧𝐭 $𝟓,𝟎𝟎𝟎 𝐚 𝐦𝐨𝐧𝐭𝐡 𝐢𝐧 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭."

Do you immediately work out the financial products required?

Or do you first ask:

"$𝟓,𝟎𝟎𝟎 𝐢𝐧 𝐭𝐨𝐝𝐚𝐲'𝐬 𝐝𝐨𝐥𝐥𝐚𝐫𝐬 𝐨𝐫 𝐢𝐧 𝐭𝐡𝐞 𝐲𝐞𝐚𝐫 𝐲𝐨𝐮 𝐫𝐞𝐭𝐢𝐫𝐞?"

This is an important distinction.

In our Retirement Workshop with CPF as the Foundation, participants learn to translate the client's desired retirement lifestyle into a 𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐂𝐚𝐬𝐡𝐟𝐥𝐨𝐰 and then assess whether CPF and the client's other resources can support that lifestyle.

The process starts with the client's:

Desired retirement lifestyle

then considers:

𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐚𝐠𝐞 + 𝐢𝐧𝐟𝐥𝐚𝐭𝐢𝐨𝐧 + 𝐂𝐏𝐅 + 𝐨𝐭𝐡𝐞𝐫 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐫𝐞𝐬𝐨𝐮𝐫𝐜𝐞𝐬

before determining whether there is a gap to be addressed.

That is why we are gradually moving from simply talking about CPF to Retirement Cashflow Planning.

Because the ultimate question is not:

"𝐇𝐨𝐰 𝐦𝐮𝐜𝐡 𝐦𝐨𝐧𝐞𝐲 𝐝𝐨 𝐈 𝐡𝐚𝐯𝐞?"

It is:

"𝐖𝐢𝐥𝐥 𝐦𝐲 𝐦𝐨𝐧𝐞𝐲 𝐬𝐮𝐩𝐩𝐨𝐫𝐭 𝐭𝐡𝐞 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐥𝐢𝐟𝐞𝐬𝐭𝐲𝐥𝐞 𝐈 𝐰𝐚𝐧𝐭?"

Our workshop is designed to equip Financial Consultants with the skills and system to have this conversation with their clients.

𝐖𝐨𝐫𝐤𝐬𝐡𝐨𝐩 𝐝𝐞𝐭𝐚𝐢𝐥𝐬: adventconnect.com.sg

10/08/2026

𝐊𝐧𝐨𝐰𝐢𝐧𝐠 𝐂𝐏𝐅 𝐢𝐬 𝐨𝐧𝐞 𝐭𝐡𝐢𝐧𝐠. 𝐊𝐧𝐨𝐰𝐢𝐧𝐠 𝐡𝐨𝐰 𝐭𝐨 𝐮𝐬𝐞 𝐂𝐏𝐅 𝐢𝐧 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐩𝐥𝐚𝐧𝐧𝐢𝐧𝐠 𝐢𝐬 𝐚𝐧𝐨𝐭𝐡𝐞𝐫.

In our Retirement Workshop with CPF as the Foundation, we teach Financial Consultants to look beyond the CPF balance.

The retirement planning process starts by asking:

𝐇𝐨𝐰 𝐦𝐮𝐜𝐡?

𝐈𝐧 𝐰𝐡𝐚𝐭 𝐟𝐨𝐫𝐦?

And most importantly:

𝐈𝐬 𝐢𝐭 𝐞𝐧𝐨𝐮𝐠𝐡 𝐭𝐨 𝐬𝐮𝐩𝐩𝐨𝐫𝐭 𝐭𝐡𝐞 𝐜𝐥𝐢𝐞𝐧𝐭'𝐬 𝐝𝐞𝐬𝐢𝐫𝐞𝐝 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐥𝐢𝐟𝐞𝐬𝐭𝐲𝐥𝐞?

Our Retirement Cashflow Planning System brings CPF together with the client's other potential retirement resources so that the Financial Consultant can see the bigger picture.

The objective isn't simply to know the numbers.

It is to understand what those numbers mean for the client's retirement.

That's the difference between 𝐤𝐧𝐨𝐰𝐢𝐧𝐠 𝐂𝐏𝐅 𝐚𝐧𝐝 𝐮𝐬𝐢𝐧𝐠 𝐂𝐏𝐅 𝐚𝐬 𝐩𝐚𝐫𝐭 𝐨𝐟 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐩𝐥𝐚𝐧𝐧𝐢𝐧𝐠.

Our workshop is designed for Financial Consultants who want to develop this capability.

𝐖𝐨𝐫𝐤𝐬𝐡𝐨𝐩 𝐞𝐧𝐫𝐨𝐥𝐦𝐞𝐧𝐭: adventconnect.com.sg

The workshop materials specifically teach participants to integrate CPF with the client's current financial portfolio and reassess whether the combined resources are enough for the desired retirement lifestyle.

Address

Singapore

Telephone

+6593870577

Website

http://adventconnect.com.sg/

Alerts

Be the first to know and let us send you an email when Advent Connect posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The School

Send a message to Advent Connect:

Want your school to be the top-listed School/college in Singapore?