Pension Advisory Services by PerfLayers

Preparing for retirement requires careful planning and a clear understanding of your financial options. In Singapore, the Central Provident Fund (CPF) is a key component of retirement savings, but maximizing its benefits involves navigating complex regulations, understanding various schemes, and making informed choices.

Why Pension Advisory Services Are Essential

A comprehensive pension plan is more than just a financial necessity—it’s a foundation for stability, independence, and peace of mind in your
later years.
Strategic pension planning allows you to take full advantage of CPF contributions, top-up options, and other financial vehicles to achieve your
retirement goals.
As life expectancy increases, planning for a retirement that spans decades is crucial to ensure a sustained income and the means to support healthcare and lifestyle needs.

Personalized Pension Planning for Individuals

PerfLayers provides personalized pension planning services that help individuals navigate CPF schemes and other retirement savings options, ensuring that each client’s plan aligns with their goals and lifestyle.

Retirement Goals Assessment

Our advisors work with you to assess your retirement goals, helping you define the lifestyle, financial needs, and legacy you want to achieve in retirement.

CPF Contribution Optimization: We guide you on optimizing CPF contributions, including voluntary top-ups, Special Account (SA) transfers, and Medisave allocations, to boost retirement savings and take advantage of tax relief.

Retirement Sum Strategy: PerfLayers helps you determine the appropriate CPF Retirement Sum based on your future financial needs, ensuring that your monthly CPF LIFE payouts meet your lifestyle requirements.

Employee Retirement
Benefits Strategy

We help companies develop retirement benefits that align with their business objectives and enhance employee satisfaction, retention,
and recruitment.

CPF Contribution Management

PerfLayers provides compliance checks and management services to ensure accurate and timely CPF contributions, helping businesses avoid penalties and maintain a positive reputation.

Training and Advisory for HR Teams

We provide training and advisory services for HR departments, enabling them to handle CPF matters confidently and provide accurate information to employees regarding their pension benefits.

Retirement Income Planning

CPF LIFE is a life annuity scheme that offers monthly payouts for retirement. Choosing the right CPF LIFE plan is critical to maintaining a reliable income throughout your retirement years. PerfLayers provides in-depth guidance on CPF LIFE options, helping clients select the best plan for their financial needs.

Healthcare costs can be a significant expense in retirement, making it essential to plan for medical needs and insurance coverage. PerfLayers offers Medisave and healthcare planning services that help you manage medical expenses effectively, ensuring that you have sufficient funds for routine and
emergency healthcare needs.

Insurance Premium Planning

PerfLayers advises on using Medisave for approved insurance premiums, including Integrated Shield Plans (IPs) and ElderShield, to support healthcare costs in retirement.

Long-Term Care

Our team provides insights into managing Medisave for long-term care, ensuring that your medical expenses are covered without depleting retirement income.