Family Financial Planner: Retirement, Education Fund and Legacy｜星洲枇杷 Wealth Management

① Basic details

You

Year of birth*Country or regionCurrent residency status

Family

Spouse's year of birth (optional)Number of parents you support (optional)

Children's years of birth (up to 4)

Currency

All amounts in

Income and expenses (monthly)

Your monthly incomeSpouse's monthly income (optional)Household monthly expensesMonthly savings

Financial assets

Cash and depositsSharesFunds / ETFsBonds / fixed depositsPolicy cash valuesOther financial assets

Financial assets available for planning: 0

Other assets

Own home (market value)Investment property (market value)Business equity (valuation)Other assets

Count investment property as financial assets available for planning

Other assets are used for the legacy module and net worth, and by default are not counted as funds available for planning.

Liabilities

Mortgage outstandingOther loans outstanding

Existing coverage (optional)

Your death / TPD coverageYour critical illness coverageSpouse's death / TPD coverageSpouse's critical illness coverage

Enter the total sum assured of existing policies (including group insurance from your employer). The results compare it with the rules of thumb in MAS's Basic Financial Planning Guide: about 9 times annual income for death and total permanent disability, and about 4 times annual income for critical illness. These fields are optional.

Assumptions (apply to all modules)

Inflation (%)Default set by currency; you can change itGrowth of money without planning, r0Assumed annual return with planning, R

② Choose your goals (choose any)

RetirementWill your monthly income in retirement be enough?Education fundHow much to set aside for your children's studiesLegacyHow much you could leave to the next generation

③ Fill in the chosen modules

Retirement

Age you wish to retirePlan up to ageMonthly amount you want in retirement (today's money)Expected other monthly retirement income (e.g. CPF LIFE, pension, rent; today's money)

Calculate as a household (monthly amounts above are for both spouses)

Education fund

Reference values are tuition fees only, excluding accommodation and living costs; please check each school's latest published fees. Data year: 2025–2026; exchange rates are ECB reference rates dated 2026-10-01, source: https://api.frankfurter.dev/v1/latest?from=SGD.

④ Results

The above is a simplified estimate based on the assumptions you entered. Returns, costs and inflation are assumptions only; they do not represent any product or actual returns, and do not constitute investment, tax or legal advice. Actual planning requires a needs analysis based on your personal situation.

⑤ Send results to your consultant

Everything else has already been filled in; just leave your contact details here. I will contact you within 1–2 working days.

Family financial planner

① Basic details

② Choose your goals (choose any)

③ Fill in the chosen modules

④ Results

⑤ Send results to your consultant