Shophouses along South Bridge Road in the morning.

The Pinnacle@Duxton public housing towers above the shophouses of Tanjong Pagar.

A row of pastel-coloured shophouses on Koon Seng Road.

The Elgin Bridge lit blue at dusk, with a boat passing underneath.

The Central Business District lit up at night, reflected in the water beside the Esplanade Bridge.

Financial advice.

We are a financial adviser in Singapore, licensed by the Monetary Authority of Singapore.

The first meeting is free Write or call us

Morning, South Bridge Road 01 / 05

Photo: Jakub Hałun, CC BY 4.0

We advise families and business owners in Singapore on investments, retirement, insurance and estates. We agree our fee with you in writing before we start, and we show you any commission before you sign.

Ellegaard Pte. Ltd.. Licensed by the Monetary Authority of Singapore, licence number 201600971R. Member of the Financial Industry Disputes Resolution Centre.

At 55
S$220,400. The Full Retirement Sum for CPF members turning 55 in 2026. Setting aside more, up to the Enhanced Retirement Sum of S$440,800, raises the CPF LIFE payout.
Source: CPF Board
From 65
65. The age at which CPF LIFE payouts can start.
Source: CPF Board
Up to 70
70. The latest age to start them. Each year you wait raises the monthly payout by up to 7%.
Source: CPF Board
Every year
S$15,300. The most a citizen or permanent resident can pay into SRS in a year. Tax residents can claim it as relief. For foreigners the limit is S$35,700.
Source: IRAS

The Tanjong Pagar container terminal seen from above, between office towers. — Tanjong Pagar Terminal. Photo: Dietmar Rabich, CC BY-SA 4.0

You pay a fee that we agree in writing before we start. If an insurer pays us a commission, we show you the amount before you sign.

Stage	What you pay
First meeting	Nothing.
Financial plan	A fixed fee, quoted and agreed in writing before we start.
Putting it in place	Commission from insurers on policies we arrange, shown to you before you sign. Fund and platform costs, shown in writing.
Ongoing advice	A yearly percentage of the assets we advise on, quoted and agreed in writing, billed quarterly.