Financial Adviser - Client Interaction Journey
Today, much of the typical advisory workflow still depends on Excel workbooks, Google Sheets, product calculators, CPF calculators, and manually assembled PDF summaries. This makes planning labor-intensive and increases the risk of fragile logic, recalculation errors, and advisor-to-advisor inconsistency.
Hence, we identified these gaps:
The challenge becomes even more pronounced in Singapore, where planning often needs to account for CPF mechanics, CPF LIFE, insurance coverage, and investment portfolios in a locally relevant way. Some global tools are strong in visualization, but they may still fall short on CPF-specific logic or require workarounds for more complex Singapore-based cases. That gap is what we are trying to close with this calculator.
Problem Statement
How might we equip financial advisors with a shared, data-driven platform that delivers precise forecasts and decision-ready visuals to deliver high-quality advice that motivates clients to act?
We kept this in mind throughout our solution development, ensuring that our requirements will be met.
Our Focus on 3 Pillars:
Key Features of Our Solution
Shortfall & Gap Analysis
A core feature of the platform is its ability to surface financial gaps clearly and early. In retirement and investment planning, this means identifying whether projected income and assets are enough to support the user’s target lifestyle. In insurance planning, it means comparing current protection against recommended coverage levels to reveal where the client is underinsured. By making shortfalls visible, the platform gives advisors and clients a more concrete basis for discussion and action.
Asset Projection
The platform does more than show current numbers — it projects how assets, income streams, and allocations evolve over time. Users can see how different mixes of investments, annuities, dividends, cash reserves, and policy payouts contribute to future retirement income. This makes the planning process more tangible by helping users understand not just what they have today, but how far those assets can realistically take them.
Simple & Detailed Mode Toggle
Not every client wants the same level of complexity. To support different preferences, the platform includes both simplified and detailed planning modes. This allows users to start with a more intuitive, high-level view or dive deeper into the mechanics of their portfolio and projections when needed. The result is a more flexible experience that can better match both advisor workflows and client comfort levels during financial conversations.
Action Plan & Take Home Report
Each pillar concludes with an action-oriented summary that turns analysis into practical follow-through. The platform consolidates portfolio choices, financial goals, coverage decisions, and recommended actions into a final review page, helping users understand what to do next. It also supports downloadable PDF outputs, allowing advisors to provide clients with a structured take-home report that captures the discussion and serves as a reference after the meeting.
