One money question, one free session
Pick the session for your question. It starts with a free 15-minute chat and ends with a written plan you keep.
- 500+Clients
- 10+Years
- 98%Satisfaction
From a free chat to a written plan
- 1
Book a free chat
A 15-minute call so we understand where you are. You leave with at least one useful thing, even if we never speak again.
- 2
Meet a financial adviser 1-on-1
60 to 90 minutes, online or in person. We put your numbers into our calculators on screen and answer the questions you've been carrying around.
- 3
Leave with a plan
Written and specific to you: your next three actions, the accounts or products to use, and a check-in date if you want one.
Pick the session for your question
Adulting 101
A one-on-one starter session covering the financial and life skills no one teaches you in school. We sit down with you, sanity-check your salary, accounts, and spending using our personal budget calculator, then walk you through the basics: credit cards, insurance, self-care fund, and your first investment.
- Build a budget on our calculator that survives a real Singapore lifestyle
- Pick the savings account that actually fits your spending pattern
- Choose a credit card that earns more than it costs you
Insurance Planning
A one-on-one session to find the coverage you actually need, with no over-insurance and no over-paying. We pull your existing policies on screen, compare them side-by-side, work out the right coverage amounts for your stage of life, and tighten everything into one clean roadmap.
- Review every policy you currently hold, in one place
- Term life vs whole life: the real numbers, without the sales pitch
- Health insurance, Integrated Shield, and MediSave optimisation
Investment Kickstart
A one-on-one session that takes you from zero to your first portfolio. We use our compound interest calculator to show you what your money can actually do over 10, 20, 30 years, compare advisory and direct investment options, and leave you with a concrete first-buy plan you can execute that week.
- Watch your compound growth play out on screen
- Singapore's investment landscape, broken down honestly
- Advisory and direct investment options compared side-by-side
Property Planning
A one-on-one session that answers BTO or resale, HDB or condo, and what you can really afford. We run your numbers through our HDB mortgage calculator live (TDSR, MSR, CPF use, monthly cashflow) so you walk in with a guess and walk out with a number.
- Live affordability check on our HDB mortgage calculator
- TDSR and MSR worked out on your actual income
- CPF for property: OA use, accrued interest, the trade-offs
Retirement Planning
A one-on-one session built around our CPF LIFE estimator and retirement income tools. We map every income source you'll have at 65 (CPF LIFE, SRS, investments, savings) into one monthly number, then build the roadmap to close the gap from where you are today.
- Model your CPF LIFE payouts at 65, 70, or your chosen age
- Map every retirement income stream in one view
- Work out exactly how much you need before you can stop working
Chart Your Finances
A one-on-one session where we run your numbers through our financial simulator and chart your whole money life on screen: first home, family, career changes, retirement. You see exactly how today's decisions play out for the next 40 years, and leave with a plan you can actually track.
- Live session on our financial simulator: your future projected in real time
- Visual roadmap from today through to retirement
- Stress-test scenarios: buying a home, switching careers, having kids
Not sure which one? Find the line that sounds like you
None of them fit? Book the free chat and we'll pick with you.
- If your situation is..."Just started working, haven't really thought about money"...the right session isAdulting 101 Foundation session: budget, accounts, first card, baseline insurance, first investment
- If your situation is..."Have insurance but no idea if it's the right coverage"...the right session isInsurance Planning Audit existing policies, right-size cover, fix gaps and overlaps
- If your situation is..."Want to start investing but the choices paralyse me"...the right session isInvestment Kickstart From zero to first portfolio with a concrete first-buy plan
- If your situation is..."Thinking about a property (HDB, condo, or upgrading)"...the right session isProperty Planning MSR/TDSR check, downpayment math, stamp duty plus the lifetime cost
- If your situation is..."In my 40s+ and worried about retirement"...the right session isRetirement Planning FI number, CPF LIFE strategy, SRS optimisation, drawdown plan
- If your situation is..."Already managing it but want a second pair of eyes"...the right session isChart Your Finances Full portfolio review and stress test: what's working, what isn't
Is it really free? And other questions before you book
How much do your services cost?
We don't charge any fees for the consultation. The initial chat and the full 1-on-1 sessions are free, with zero obligation to commit to anything afterward.
Do I have to commit to anything after the free chat?
No. The free chat is genuinely free and useful. Most people walk away with at least one specific next step they can act on alone. If we're not a fit (wrong stage, different needs, you'd rather DIY), we'll say so.
Can I do this online or do I have to meet in person?
Either works. Most sessions run on Zoom or Google Meet, and we can screen-share calculators and your numbers easily. In-person sessions are available in central Singapore by request.
What's the difference between Adulting 101 and the others?
Adulting 101 is the foundational session for anyone in their 20s to early 30s who hasn't yet built a system. The others (Insurance Planning, Investment Kickstart, Property Planning, Retirement Planning, Chart Your Finances) are deeper one-issue sessions for people who already have the basics in place.
What if I'm already working with a financial adviser?
Many of our clients are. Chart Your Finances is a second-opinion session: we check your setup and tell you what's good, what isn't, and what's a red flag. You can stay with your adviser or leave. We won't push you to switch.
Not sure which session? Start with the free chat.
Most people don't know which one they need. We'll listen first and suggest one, and you can say no.
Junxiong-WFG Organisation is an authorised representative of AIA Financial Advisers Private Limited (Reg. No. 201715016G).