For Singaporean Working Professionals & Business Owners Aged 40 to 62
The Retirement Control Switch
Free Guide Reveals How To Take Back Control, Build Real Wealth And Retire Without Financial Anxiety Or Sleepless Nights
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Who Is This Guide For?
The Retirement Control Switch was designed specifically for you if:
You’re between 40-62 and want clarity on how to retire with confidence
You’ve accumulated $300K-$1M+ across CPF, SRS, ILPs, or external investments
You want to grow your money while you still have time — and turn it into steady income either when you want to retire or are forced to retire due to unforeseen circumstances
You don’t want to blindly follow default CPF rules that may limit your flexibility
You’re juggling family, parents, and your own financial independence — and need a plan that adapts
Most importantly, you want a strategy that grows your wealth while you still have the earning power and preserves your freedom as you move closer to retirement.
Mistakes Holding HENRYs Back
- Why overspending on your kids could sabotage your financial future — and what to do instead.
- The deeper underlying reason most HENRYs fail to build wealth — And it’s not about how much they make.
- Why leaving financial planning to chance (God/Government) can create a huge burden for your children. (And what you should do instead)
- Avoid these 3 most common investment traps Singaporeans fall prey to. (Hint: It’s about Fear, Greed or Ignorance).
- Dividend Dilemma: Why dividend stocks alone won’t give you financial freedom unless you have a huge portfolio. (And what to do about it)
You’ve worked hard. Saved consistently. Followed the CPF rules. BUT…
Once you hit 55, CPF automatically executes its formula:
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- Your Special Account gets swept into your Retirement Account
- Your Ordinary Account is partially swept too
- Those funds become locked inside CPF
You don’t sign a form. You don’t give permission.
The system just decides for you.
Then at 65, CPF LIFE kicks in — paying you a predictable but limited monthly income.
But what if life doesn’t follow CPF’s rigid timeline?
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- What if you want to retire before 65?
- What if your aging parents need financial support?
- What if medical expenses arise unexpectedly?
- What if you want to start a business or travel?
Once CPF reallocates your funds, you no longer control the timing.
The Real Danger Isn’t Losing Money — It’s Losing Access
Most people worry about investment losses. But the far bigger risk is becoming asset-rich, cash-poor.
You might have:
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- High CPF balances on paper
- Healthy projected CPF LIFE payouts
But what good is that if you can’t access your money when life demands it?
“Control — not returns — is the true retirement currency.”
What If You Could Design a Different Retirement Story?
Imagine a system that gives you:
✓ Growth while you still have time
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- Building your capital base aggressively while in your 40s
- Using global equities and compounding to your advantage
- Maximizing your growth window before CPF lock-ins begin
✓ Income that starts before CPF LIFE
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- Creating dividend streams that activate when YOU need them
- Designing an income bridge between work and CPF LIFE
- Controlling the timing of your retirement, not letting CPF decide
✓ Liquidity when life happens
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- Maintaining $50K-$100K in accessible funds for emergencies
- Having tactical options when family needs or opportunities arise
- Never being forced to choose between retirement and life’s demands
✓ Control before CPF acts automatically
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- Staying one step ahead of CPF’s automatic triggers
- Repositioning assets strategically before age 55
- Designing a system that works with your life, not against it
What If You Could Design a Different Retirement Story?
Our new FREE guide reveals the exact system that mass affluent Singaporeans use to maintain control of their retirement destiny.
Inside this comprehensive 36-page guide, you’ll discover:
The hidden retirement risk most Singaporeans don’t see coming until it’s too late
The two distinct retirement tracks based on your age, and which one you should follow
The Dual Engine Portfolio Strategy™ that adapts as you transition from working adult to retiree
Step-by-step implementation plans for both the wealth accummulation stage and passive retirement income stage of your life
Visual portfolio models showing exactly how your portfolio allocation changes over time
The critical CPF decisions that can’t be reversed once made
This isn’t theoretical advice.
This is the exact framework we’ve used to help hundreds of Singaporeans take control of their retirement journey.
“It’s not how much you’ve saved. It’s when you reposition that matters.”
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About Regal Wealth Partners
Regal Wealth Partners
With over 6 decades of combined experience, our team has served more than 497 clients on their financial journey, managing a collective portfolio of over $120 million.
Our expertise lies in advising mass affluent and High Net Worth (HNW) clients, predominantly serving Accredited Investors as defined by the Monetary Authority of Singapore (MAS).
To be considered an Accredited Investor, an individual must meet at least one of the following criteria:
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- An income exceeding $300,000 in the past 12 months
- Financial assets above $1 million
- Personal assets valued over $2 million
At Regal Wealth Partners, we understand that the financial landscape is constantly evolving. Policies and market conditions change rapidly, and it’s crucial to have a professional partner who stays on the pulse of these developments.
With a foundation built on expertise and adaptability, Regal Wealth Partners is committed not only to managing assets but also to fostering lasting client relationships.
Beyond the numbers, we believe in empowering clients through transparency and education. Each quarter, we create opportunities for clients to connect and learn in a supportive, interactive environment.
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