Secure Your Golden Years: Hear From Singaporeans Who Did

Golden Age Pension Planners helps you build a confident retirement, navigating CPF complexities and investment opportunities unique to Singapore. Read our client success stories and take the first step towards planning your secure future today.

Hear From Our Valued Clients

Real stories from Singaporeans who achieved peace of mind and financial security with Golden Age Pension Planners. Their journeys reflect our commitment to personalized, expert guidance.

Portrait of Mr. Tan H. L.

Mr. Tan H. L.

Retired Teacher, Age 67

★★★★★
"Planning for retirement felt overwhelming, especially understanding how CPF LIFE payouts integrate with other income streams. The team at Golden Age didn't just present options; they patiently walked me through projections and explained the implications of each choice. They created a clear, personalized plan focusing on stable income and capital preservation that gives me immense confidence for the future. Their expertise in CPF and local Singaporean investment vehicles was invaluable. I finally feel I can relax and enjoy my retirement."
Portrait of Ms. Priya S.

Ms. Priya S.

Entrepreneur, Age 52

★★★★★
"As a small business owner, my personal finances were often intertwined with my company's, making long-term planning tricky. Golden Age helped structure my investments and retirement savings tax-efficiently, separating them clearly while ensuring both grew steadily. They understood the challenges entrepreneurs face, offering flexible solutions. Their proactive approach and regular reviews mean I worry less about market fluctuations and can focus on my business, knowing my personal future is secure."
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Mr. & Mrs. Lim K.W.

Professionals, Age 58 & 56

★★★★☆
"We wanted to ensure our estate plan was solid, covering wills, LPAs, and ensuring our assets would be distributed according to our wishes without unnecessary complications for our children. Golden Age provided comprehensive advice, integrating our estate goals seamlessly with our retirement income strategy. They handled sensitive discussions with professionalism and clarity, explaining legal jargon simply. We feel much more prepared and secure knowing everything is properly arranged. Highly recommended for holistic planning."
Portrait of Mr. Ahmad Ismail

Encik Ahmad Ismail

Civil Servant, Age 60

★★★★★
"Navigating the various CPF schemes and understanding how they fit into my overall retirement picture was confusing. The advisors at Golden Age were excellent listeners and clearly explained how to optimize my CPF contributions and plan withdrawals alongside my other savings. They considered my family's needs and helped me set up my CPF nominations correctly. Their knowledge of government schemes specific to Singaporeans is top-notch. I feel much more confident about my financial stability post-retirement."
Portrait of Ms. Chen Mei Ling

Ms. Chen Mei Ling

Marketing Manager, Age 48

★★★★★
"I was looking for help with investment management that went beyond basic mutual funds. Golden Age developed a diversified portfolio tailored to my moderate risk tolerance, including Singapore REITs and some global equities. They explained their strategy clearly, and I appreciate the regular performance reviews and their proactive adjustments based on market conditions. It's reassuring to know my investments are being professionally managed towards my long-term retirement goals while I focus on my career."
Portrait of Mr. Ravi Chandran

Mr. Ravi Chandran

Engineer, Age 55

★★★★☆
"Attending one of Golden Age's financial education workshops on Estate Planning was eye-opening. It prompted me to finally get serious about setting up my will and LPA. The subsequent consultation was thorough, and they helped me consider aspects I hadn't thought of, like nominating guardians for my children. While the process took time, their guidance made it manageable and less daunting. I appreciate their educational approach."

Watch Our Client Stories

See firsthand how we've helped Singaporeans like you navigate their financial journey and achieve a secure, fulfilling retirement.

Your Trusted Partner for Retirement in Singapore

Golden Age Pension Planners Pte Ltd was founded with a clear vision: to provide Singaporean citizens and permanent residents with unparalleled, personalized guidance towards achieving financial security and genuine peace of mind in their retirement years. Our journey began when our founders, seasoned professionals with decades of experience in Singapore's financial sector, recognized a critical need for advisory services that truly understood the intricacies of local financial planning – beyond generic global advice. We saw individuals grappling with complex CPF rules, navigating the diverse local investment landscape, and seeking trustworthy guidance for estate planning tailored to Singaporean law.

We built Golden Age on the bedrock principles of unwavering trust, deep-seated expertise honed within the local context, and a genuinely personalized, client-centric service model. We understand that retirement planning in Singapore is unique; it involves maximizing CPF benefits, understanding the Supplementary Retirement Scheme (SRS), making informed investment choices within the local market (including REITs, blue-chip stocks, and Singapore Savings Bonds), and preparing comprehensive estate plans that comply with local regulations. Our mission is far more than just managing assets; it's about empowering you, our client, with the knowledge, clarity, and strategic foresight needed to confidently navigate your entire financial journey, leading to a comfortable, fulfilling, and worry-free retirement.

We firmly believe that building lasting, long-term relationships is paramount. This is achieved through absolute transparency in our processes and fees, proactive communication, and advice that is always tailored specifically to your individual circumstances, aspirations, and risk tolerance. Your goals become our goals. We take the time to listen deeply, understand your life situation, and craft strategies that are not just theoretically sound, but practically implementable and aligned with your vision for the future. We are not just planners; we are your dedicated partners, committed to helping you realize the secure and prosperous retirement you deserve right here in Singapore.

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Trust & Integrity

Fiduciary duty, transparency in all dealings.

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Client-Centric Approach

Your goals are our priority; bespoke plans.

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Local Expertise

Deep understanding of CPF, SRS, & SG market.

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Comprehensive Financial Planning Services

We offer a suite of integrated services designed to build and protect your wealth, ensuring you meet your unique retirement and financial goals in Singapore.

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Retirement Planning

We go beyond simple savings goals. Our process involves a deep dive into your current financial situation, lifestyle aspirations, and anticipated retirement needs. We conduct detailed cash flow analyses, project your CPF LIFE payouts under various scenarios, review existing insurance policies for adequacy, and explore options like the Supplementary Retirement Scheme (SRS). We then craft a personalized, actionable roadmap outlining savings targets, investment strategies, and optimal withdrawal plans to ensure a sustainable and comfortable income stream throughout your retirement years.

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Investment Management

Our investment philosophy centers on long-term growth and prudent risk management, tailored to your specific profile and objectives. After a thorough risk assessment, we construct diversified portfolios utilizing a range of instruments appropriate for the Singaporean context, including local and global equities, bonds, Singapore REITs, unit trusts, and ETFs. We provide clear explanations of our strategy, ongoing portfolio monitoring, regular performance reporting, and proactive adjustments based on evolving market conditions and changes in your circumstances, ensuring your investments stay aligned with your goals.

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Estate Planning

Protecting your legacy and ensuring your loved ones are cared for is crucial. We provide comprehensive guidance on essential estate planning components, including drafting legally sound wills, setting up Lasting Powers of Attorney (LPAs) for both personal welfare and property & affairs, establishing trusts where appropriate (e.g., for minor beneficiaries or asset protection), and ensuring correct nomination of beneficiaries for CPF funds and insurance policies. Our aim is to facilitate a smooth, tax-efficient transfer of your wealth according to your wishes and minimize potential disputes.

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Pension Fund Management

For individuals seeking annuity solutions or corporations managing employee pension schemes, we offer expert management services. This includes developing optimal investment strategies for pension assets, ensuring compliance with regulatory requirements, providing clear performance reporting, and advising on structuring sustainable payout mechanisms. We focus on maximizing returns within acceptable risk parameters to meet long-term pension obligations effectively, whether for personal income streams or corporate benefit plans.

Your Advantage with Golden Age

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Personalized Strategy

We reject cookie-cutter solutions. Our process begins with truly listening to understand your unique financial situation, family needs, lifestyle goals, and risk appetite. Your bespoke financial plan is meticulously crafted to align perfectly with your aspirations, ensuring it's not just a document, but a practical roadmap to your specific vision of retirement.

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Singapore Market Expertise

Our team possesses deep, practical knowledge of Singapore's specific financial environment. This includes optimizing CPF contributions and withdrawals, leveraging the Supplementary Retirement Scheme (SRS) effectively, navigating local tax regulations, and identifying suitable investment opportunities within the Singapore market (REITs, local equities, bonds) alongside global options.

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Proven Track Record

Our clients' success and peace of mind are the true measures of our effectiveness. The positive testimonials and long-term relationships we build are testament to our commitment to delivering tangible results. We pride ourselves on helping Singaporeans achieve their financial goals and navigate retirement confidently, as evidenced by their stories.

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Transparent Communication

We believe financial planning should be clear and understandable. We are committed to open, honest communication, explaining complex concepts in simple terms, providing regular updates and performance reports, and ensuring you are fully informed and comfortable with every decision made regarding your financial future. Your questions are always welcome.

Start Planning Your Secure Retirement Today

Reach out for a no-obligation consultation with our expert financial planners. Let's discuss how we can help you achieve your goals.

Get In Touch

Address:
8 Marina Boulevard, #05-02,
Marina Bay, Singapore 018981

Phone: +65 6222 8888

Email: info@goldenagepensions.com

Business Hours:
Monday - Friday: 9:00 AM - 6:00 PM

Our Location

Find us conveniently located in the heart of Marina Bay.