Because CPF LIFE alone isn't a complete retirement plan — but with the right plan, you can retire with peace of mind.
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Dear friend,
What if you could walk into your 60s knowing — with calm certainty — exactly how much income you'll receive each month for the rest of your life?
Not a guess. Not "it depends." Not a pile of brochures from five different advisors.
An actual monthly number. A written plan. A clear picture of what your retirement will look like.
That's what I help people find. And if you've made it this far, this page is probably for you.
Most Singaporeans I meet don't have a retirement problem.
They have a confusion problem.
Too many voices. Too many products. Too many half-answers. CPF websites that need a flow chart to understand. Financial advisors who lead with a product before they've even asked about your life.
And underneath all of that — a quiet, nagging question:
That's the work I do.
I wasn't always a retirement advisor. But in many ways, I've been preparing for this work my whole life.
My father built a language and commercial school from scratch. From one school, it grew to two. Then four. Business was good. We had a good life.
Until it all disappeared.
My father was cheated by his business partners. He filed for bankruptcy. We went from rich to poor overnight. I was too young to understand the details — I only knew that everything familiar was gone. And I was angry about it for years.
Looking back, that experience shaped everything about how I think about money now.
Because I've seen — up close — what happens when something you spent decades building can be taken away in a moment. When the plans you made for your family quietly fall apart. When you realise, too late, that you didn't know what you didn't know.
That is exactly what I work to prevent for the people who trust me today.
I'm a Christian. I won't pretend otherwise on a page that's meant to be about who I am.
For years, I carried bitterness about what happened to our family. What changed me was learning to forgive — my father, the people who cheated him, and myself. And sitting with this verse:
The abundant life mentioned there — I don't think it's only about the next life. I think it's about here, now, in how we design the time we've been given.
That belief is the reason I do this work. Not to push products. Not to sell you something you don't need. But to help you — practically, numerically, step-by-step — design a retirement that feels abundant, peaceful, and whole.
If your faith is different from mine, you're still welcome here. My approach is values-led but never values-imposed. I've worked with clients of every background and none. What I bring is the same care, the same honesty, and the same refusal to push a product that doesn't fit your life.
A few years ago, I started a platform called Design Thy Life. The idea was simple: your life isn't something that just happens to you. It's something you can actively design.
Career. Relationships. Money. Meaning. All of it — designable, with intention.
I spent years helping younger adults think that way. And that work still lives on at designthylife.com.
But the longer I did this, the more I realised something:
That's why I shifted my focus. I trained as a Certified Retirement Specialist. I specialised in clients aged 50 and above. I dug deep into CPF, annuities, income planning, and drawdown strategy.
Because designing your life matters most when the runway is shortest.
If you're 5–10 years from retirement — or already in it — every decision you make now compounds. Get them right, and the next 20–30 years can be the best of your life. Get them wrong, and even a big nest egg can quietly slip away.
That's the gap I now live in. That's where I've decided to put my best work.
I work differently from most advisors you've probably met. Three things define how I work:
No product conversations until we've built the plan. Most people don't need more products — they need a clearer strategy.
I'm MAS-licensed through PromiseLand, which means I can compare across most regulated retirement plans and funds in Singapore — not tied to one company.
Every plan I build starts with your CPF. We always anchor to the foundation you already have, then design what needs to complement it.
If we end up working together, here's what you're signing up for. Five beliefs that shape every plan I build:
It's a brilliant scheme. But it was never designed to carry your entire retirement alone. Treat it as the floor, not the ceiling.
And the cost of misunderstanding is often five or six figures, paid slowly, over years. I see this every week.
Not just accumulation. Not just "how much is in the pot." How much comes in, month after month, for 20–30+ years — that's the real question.
If your plan needs a PhD to explain, it's probably not the plan for you. The best retirement plans fit on one page.
Most of the people I meet don't need to buy anything new. They need someone to help them make sense of what they already have.
It's a Tuesday morning. You're walking around the park near your HDB, unhurried. Coffee in hand. No alarm clock that set it all in motion — because you stopped needing one, years ago.
Your phone buzzes. It's your bank. A familiar number has landed in your account — the one you see every month. You barely check it now. You know what's coming, when, and how long it will last.
Your grandkids will come by in the afternoon. There's no anxious math running in the background of your mind about whether this month's spending was "too much." There's a plan. And you're in it.
That's the quiet kind of abundance I want to help you build. Not flashy. Not gimmicky. Just solid.
I've invested in proper certification because retirement planning deserves real expertise — not sales training.
Certified NLP Practitioner · MBTI Practitioner · Enneagram Practitioner · Worldclass Trainer
Because great retirement planning isn't just about numbers — it's about understanding the person behind them. These trainings shape how I listen, ask questions, and help clients see what matters most to them.
No. A Retirement Clarity Session is a conversation — not a pitch. I don't lead with products. If at the end of our session there's something I think would genuinely help your plan, I'll say so. If not, I won't manufacture one. Either way, you walk away with a clearer picture of your retirement.
The first session is complimentary. If we go further into building a full plan, I'll walk you through the scope and costs before any commitment. No surprises.
Many of the people I help already have one — or have had several. A Retirement Clarity Session can serve as an independent second opinion. You decide afterwards whether anything needs to change. Most of the time, a fresh set of eyes is more useful than switching advisors.
Not at all. In fact, the best retirement outcomes come from people who plan 10–15 years ahead. Time is the most powerful tool we have — the earlier you clarify the plan, the more options you give your future self.
No. A meaningful portion of the people I work with are already retired. At that stage the focus shifts from accumulation to drawdown strategy, tax optimisation, and making sure the plan lasts as long as you do. Still very much worth the conversation.
As a MAS-licensed financial adviser via PromiseLand, I'm compensated through the product providers when plans are implemented — the same framework used across the Singapore advisory industry. The Retirement Clarity Session itself is free. I'll always disclose how a specific recommendation works commercially before you decide on it.
No. I'm openly Christian, and my values shape how I work — but my advice is for everyone. You'll never be preached at. The only "faith" required in our sessions is in good planning and honest numbers.
A few different places I share ideas, depending on what you're looking for.
My broader blog on personal finance, life design, and intentional living. Where it all started.
Financial planning education — frameworks, guides, and more structured resources.
More projects coming online soon. If you want to talk to me directly, the fastest way is always the button below.
If we get 15 minutes into our session and you don't feel it's useful, we'll end the call. No hard feelings. No follow-up pitch. You'll leave with whatever clarity we did get to — and my blessing to keep looking.
That's the promise. Now here's the invitation:
Yes, Book My Free Retirement Clarity Session →45-minute call. Held over Zoom or in person. No obligation. Your CPF & retirement picture on one page by the end.
The toughest thing about retirement planning is that time is both the most powerful tool and the most unforgiving. Every year you delay clarifying the plan is a year of optionality you won't get back.
You don't need to commit to anything today. But if something on this page resonated, take 45 minutes to have the conversation while it's on your mind. That's usually how the best plans begin — not with a product, but with a proper question, asked at the right time.
I'd be honoured to help you ask yours.
— Junwen