6-week programme · SGD 428
Financial Confidence After 45
Understand your financial landscape with clarity. This education-focused course covers CPF, insurance, budgeting, and estate planning — without product sales or investment pitches.
Overview
Financial decisions in midlife are rarely simple. CPF withdrawal options, MediShield supplements, supporting adult children, planning for long-term care, and understanding what happens to your assets — these topics intersect in ways that generic online articles cannot address for your specific situation. Yet many adults feel embarrassed asking questions they believe they should already know.
Financial Confidence After 45 creates a judgment-free environment to build practical literacy. Our instructor holds a Certified Financial Planner credential and has fifteen years of experience teaching community financial education programmes. The course does not recommend specific investment products, sell insurance policies, or manage your money. Instead, you learn frameworks to evaluate your own position and know what questions to ask qualified professionals.
Session topics
- Weeks 1–2 — Foundations: Net worth mapping; cash flow analysis; emergency fund sizing for mature households.
- Weeks 3–4 — CPF & retirement income: CPF LIFE options explained; withdrawal timing considerations; SRS and supplementary schemes overview.
- Week 5 — Protection review: Insurance adequacy checklist; MediShield and IP comparison methodology; long-term care planning basics.
- Week 6 — Legacy & next steps: Will and LPA essentials in Singapore; beneficiary review; creating your personal action list.
What is included
- Twelve facilitated sessions across six weeks
- Comprehensive workbook with templates and checklists
- Spreadsheet tools for budget and net worth tracking
- Guest Q&A session with a licensed estate planning lawyer (informational only)
- Resource directory of independent professional referral options
Important disclaimer
This course provides general financial education and is not personalised financial advice. Wise Years Pro and its instructors do not hold a financial advisory licence and do not recommend specific securities, funds, or insurance products. For individual advice, consult a MAS-licensed financial adviser. Course content references Singapore regulatory frameworks current at time of delivery; regulations may change.