Still confused about CPF changes? Unsure how you should be optimising your SA, RA, or CPF LIFE? Planning to top up your SRS for tax relief, but want a second opinion on how much you should contribute or how to invest it?
While CPF and SRS are great retirement tools for Singaporeans, relying on them blindly without a plan can backfire:
๐ฅ Idle cash = low returns.
๐ฅ Nonstrategic withdrawal = pay more tax.
๐ฅ Misunderstanding CPF LIFE = lose flexibility when you retire.
Join us for a practical, no-jargon session where youโll learn how to make your CPF and SRS work together for smarter tax savings and long-term flexibility.
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What You’ll Learn:
โ CPF Explained: How to best plan around the new FRS/BRS/ERS limits
โ CPF LIFE Simplified: Understand the 3 payout options and what will serve you best
โ SRS in 10 Minutes: How to maximise your tax relief, and withdraw tax-efficiently over 10 years
โ Smart Withdrawal Strategies: How to combine CPF LIFE, private annuities, and investments for sustainable income
โ Bonus: How to build a โLayered Retirement Income Planโ that balances safety, growth, and flexibility
Walk away with clear, actionable steps to optimise your CPF and SRS, and enter the new year with confidence.
๐๏ธ Date: 19 Nov 2025
โ Time: 7.30pm โ 9pm
๐๏ธ Register here: https://tinyurl.com/CPFSRSHWP25
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๐ Exclusive for Attendees
๐ฅ SRS Tax-Savings Calculator
๐ฅ CPF LIFE and Retirement Income Layering Cheatsheet
๐ฅ 10-Year SRS Withdrawal Planner
๐ฅ Optional 1:1 Holistic Review Planning for Retirement
As our name suggests, Holistic Wealth Planners is a team of financial advisors whose planning philosophy encompasses wealth protection, wealth accumulation and wealth distribution, not as separate categories but as an integral process of the overall financial journey throughout our clients’ lifetime. We are a financial advisory team from Phillip Securities Pte Ltd. Our team has more than 45 advisors and we are collectively servicing more than 10,000 clients with over $500 million in assets under advisory.
Louis Koay is the founder of Holistic Wealth Planners. He is a dual-licensed representative at Phillip Securities Pte Ltd. He is also a trainer at Dr Wealth. He graduated from the National University of Singapore with First Class Honours and he is a CFA charterholder as well as a Certified Financial Planner. Louis is the creator and trainer of the Personal Finance Fundamental Course, and the co-trainer for Intelligent Investors Immersive Program. He has trained more than 20,000 retail investors in analysing stocks and personal financial planning.
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