Our approach
Your whole financial life, read in four minutes.
Most of us never check whether our retirement, mortgage, insurance and savings are working together. ConSol reads all four at once, then shows you the decisions quietly costing you the most.
Four products. One financial life. They are almost never optimised together.
Banks see your loan. Insurers see your policy. Nobody sees the whole picture. ConSol does.
What we read
Pick what is keeping you up.
The interest your home quietly charges your retirement pot.
Use Singapore CPF for a property and accrued interest builds on every dollar withdrawn. Most owners only discover the figure when they sell. ConSol shows it now, while you can still act.
HDB or bank. Fixed or floating. The gap is real money.
Loan type and rate structure decide your total cost over decades, and shape how much you can borrow next. ConSol models the full lifetime cost and the borrowing headroom you have left.
Over-paying on savings plans. Under-covered where it counts.
A familiar pattern. Thin income protection, a thick whole-life plan, and a critical illness gap at exactly the wrong sum assured. ConSol maps what you hold against what your family would actually need.
Your number, and the savings rate that reaches it.
Set a target age. ConSol works out the corpus you need, plots your current trajectory, and tells you the one savings rate that closes the gap.
The Four Freedoms
What financial independence actually buys you.
Four conditions your numbers are meant to produce. Time, compounding, a portable position, a protected floor. Here is what each looks like, and a way to feel the maths.
Make work optional, sooner.
Build a corpus large enough that the paycheque becomes a choice. The earlier you start, the more years you reclaim.
before the default retirement age of 65.
Your money, compounding while you sleep.
Left untouched in CPF SA, it grows at 4% guaranteed, every year you leave it.
A position that travels with you.
Singapore is the best place in the world to build wealth, not always to spend it. Keep enough of it portable.
Portable
Cash, global investments, term cover, SRS. Moves with you.
Anchored here
CPF, HDB equity, local policies. Powerful at home, hard to move.
The floor that lets everything else happen.
MediShield Life covers the hospital bill. Early critical illness and lost income are the gap.
What a health shock actually hits
Covered
The hospital bill, by MediShield Life and your Integrated Shield Plan.
Exposed
Early critical illness and the income you lose while you cannot work.
Figures are illustrative and educational, not personal financial advice. The compounding rate is the CPF Special Account rate (4% p.a.), which CPF reviews quarterly. ConSol calculates the numbers specific to your life from your own CPF, income, and goals.
Two or three decisions
That is usually all it takes. Not a new portfolio. The few moves in your existing retirement, loan, and cover that quietly change the outcome.
How we work
Four rules we hold ourselves to.
Diagnose first.
Before any recommendation, we map where you stand. Retirement balances, accrued interest on your housing withdrawal, loan structure, cover, savings rate. The leaks are usually already there.
No product push.
No policy quota. No assets to move. The session ends with an honest picture and the two or three decisions worth revisiting. Nothing to sign.
Built for Singapore.
CPF LIFE projections, HDB versus private TDSR, SRS against your tax bracket, the gaps MediShield Life leaves. Generic planners miss the structures that define wealth here.
Fees you can see.
Advice is fee-based. If a product follows from the analysis and you choose it, the commission is disclosed in writing first. You always know what you pay, and why.
Credentials
MAS Licensed
Financial Adviser Representative registered under the Monetary Authority of Singapore.
A licensed team
Your roadmap is reviewed by our licensed advisory team. We reach out with the decisions worth your time, never a cold call.
PDPA Compliant
All data submitted through ConSol is encrypted at rest and governed by Singapore's Personal Data Protection Act.
What we might explore
A menu, not a fixed agenda.
Every roadmap is different. The conversation follows your numbers, not a script. Open a theme to see where it tends to go.
And whatever else your roadmap surfaces. The conversation follows your numbers.
Free tools
Run the numbers yourself. No login.
The transparency that shapes our advice runs through a free library of Singapore calculators. Every figure cites its source: CPF Board, IRAS, MAS. Nothing sits behind a sign-up.
Four minutes
to read your retirement, mortgage, insurance and savings as one picture.
S$0
to generate your roadmap. The full analysis is free.
25×
your annual spending. A common target for financial independence.
It takes four minutes to find out what you are leaving on the table.
Free. No account. No sales call unless you ask for one.
Build my roadmap