**Terms and Conditions**

Welcome to the Golden Age Pension Planners Pte Ltd website. By accessing or using our website, you agree to comply with and be bound by the following terms and conditions of use. If you disagree with any part of these terms and conditions, please do not use our website.

**1. Acceptance of Terms**

Your access to and use of this website is conditional upon your acceptance of and compliance with these terms. These terms apply to all visitors, users, and others who access or use the website.

**2. Description of Services**

Golden Age Pension Planners Pte Ltd, located at 8 Marina Boulevard, #05-02, Marina Bay, Singapore, 018981, provides financial services specializing in pension planning, retirement advisory, investment management, and estate planning for Singaporean citizens and permanent residents. Our services include Retirement Planning, Investment Management, Estate Planning, Pension Fund Management, and Financial Education Workshops.

**3. Intellectual Property**

The content, layout, design, data, databases, and graphics on this website are protected by intellectual property laws and are owned by Golden Age Pension Planners Pte Ltd or its licensors. You may not reproduce, modify, distribute, or otherwise use any material from this website without our prior written consent.

**4. Limitation of Liability**

Golden Age Pension Planners Pte Ltd shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from the use or the inability to use our website or for the cost of procurement of substitute goods and services or resulting from any goods or services purchased or obtained or messages received or transactions entered into through or from our website or resulting from unauthorized access to or alteration of your transmissions or data, including but not limited to, damages for loss of profits, use, data, or other intangibles, even if we have been advised of the possibility of such damages.

**5. Disclaimer of Warranties**

The information provided on this website is for general informational purposes only and does not constitute financial advice. Golden Age Pension Planners Pte Ltd makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

**6. Governing Law**

These terms and conditions shall be governed by and construed in accordance with the laws of Singapore. Any dispute arising out of or relating to these terms and conditions shall be subject to the exclusive jurisdiction of the courts of Singapore.

**7. Changes to Terms and Conditions**

Golden Age Pension Planners Pte Ltd reserves the right to modify these terms and conditions at any time without prior notice. Your continued use of the website following any changes constitutes your acceptance of the new terms and conditions.

**8. Contact Information**

If you have any questions about these terms and conditions, please contact us at 8 Marina Boulevard, #05-02, Marina Bay, Singapore, 018981.

**9. Website Use**

You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the website. Prohibited behavior includes harassing or causing distress or inconvenience to any other user, transmitting obscene or offensive content, or disrupting the normal flow of dialogue within our website.

**10. Third-Party Links**

Our website may contain links to third-party websites that are not owned or controlled by Golden Age Pension Planners Pte Ltd. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. You acknowledge and agree that Golden Age Pension Planners Pte Ltd shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites.

Secure Your Golden Years: Hear From Singaporeans Who Did

Golden Age Pension Planners helps you build a confident retirement, navigating CPF complexities and investment opportunities unique to Singapore. Read our client success stories and take the first step towards planning your secure future today.

Hear From Our Valued Clients

Real stories from Singaporeans who achieved peace of mind and financial security with Golden Age Pension Planners. Their journeys reflect our commitment to personalized, expert guidance.

Portrait of Mr. Tan H. L.

Mr. Tan H. L.

Retired Teacher, Age 67

★★★★★
"Planning for retirement felt overwhelming, especially understanding how CPF LIFE payouts integrate with other income streams. The team at Golden Age didn't just present options; they patiently walked me through projections and explained the implications of each choice. They created a clear, personalized plan focusing on stable income and capital preservation that gives me immense confidence for the future. Their expertise in CPF and local Singaporean investment vehicles was invaluable. I finally feel I can relax and enjoy my retirement."
Portrait of Ms. Priya S.

Ms. Priya S.

Entrepreneur, Age 52

★★★★★
"As a small business owner, my personal finances were often intertwined with my company's, making long-term planning tricky. Golden Age helped structure my investments and retirement savings tax-efficiently, separating them clearly while ensuring both grew steadily. They understood the challenges entrepreneurs face, offering flexible solutions. Their proactive approach and regular reviews mean I worry less about market fluctuations and can focus on my business, knowing my personal future is secure."
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Mr. & Mrs. Lim K.W.

Professionals, Age 58 & 56

★★★★☆
"We wanted to ensure our estate plan was solid, covering wills, LPAs, and ensuring our assets would be distributed according to our wishes without unnecessary complications for our children. Golden Age provided comprehensive advice, integrating our estate goals seamlessly with our retirement income strategy. They handled sensitive discussions with professionalism and clarity, explaining legal jargon simply. We feel much more prepared and secure knowing everything is properly arranged. Highly recommended for holistic planning."
Portrait of Mr. Ahmad Ismail

Encik Ahmad Ismail

Civil Servant, Age 60

★★★★★
"Navigating the various CPF schemes and understanding how they fit into my overall retirement picture was confusing. The advisors at Golden Age were excellent listeners and clearly explained how to optimize my CPF contributions and plan withdrawals alongside my other savings. They considered my family's needs and helped me set up my CPF nominations correctly. Their knowledge of government schemes specific to Singaporeans is top-notch. I feel much more confident about my financial stability post-retirement."
Portrait of Ms. Chen Mei Ling

Ms. Chen Mei Ling

Marketing Manager, Age 48

★★★★★
"I was looking for help with investment management that went beyond basic mutual funds. Golden Age developed a diversified portfolio tailored to my moderate risk tolerance, including Singapore REITs and some global equities. They explained their strategy clearly, and I appreciate the regular performance reviews and their proactive adjustments based on market conditions. It's reassuring to know my investments are being professionally managed towards my long-term retirement goals while I focus on my career."
Portrait of Mr. Ravi Chandran

Mr. Ravi Chandran

Engineer, Age 55

★★★★☆
"Attending one of Golden Age's financial education workshops on Estate Planning was eye-opening. It prompted me to finally get serious about setting up my will and LPA. The subsequent consultation was thorough, and they helped me consider aspects I hadn't thought of, like nominating guardians for my children. While the process took time, their guidance made it manageable and less daunting. I appreciate their educational approach."

Watch Our Client Stories

See firsthand how we've helped Singaporeans like you navigate their financial journey and achieve a secure, fulfilling retirement.

Your Trusted Partner for Retirement in Singapore

Golden Age Pension Planners Pte Ltd was founded with a clear vision: to provide Singaporean citizens and permanent residents with unparalleled, personalized guidance towards achieving financial security and genuine peace of mind in their retirement years. Our journey began when our founders, seasoned professionals with decades of experience in Singapore's financial sector, recognized a critical need for advisory services that truly understood the intricacies of local financial planning – beyond generic global advice. We saw individuals grappling with complex CPF rules, navigating the diverse local investment landscape, and seeking trustworthy guidance for estate planning tailored to Singaporean law.

We built Golden Age on the bedrock principles of unwavering trust, deep-seated expertise honed within the local context, and a genuinely personalized, client-centric service model. We understand that retirement planning in Singapore is unique; it involves maximizing CPF benefits, understanding the Supplementary Retirement Scheme (SRS), making informed investment choices within the local market (including REITs, blue-chip stocks, and Singapore Savings Bonds), and preparing comprehensive estate plans that comply with local regulations. Our mission is far more than just managing assets; it's about empowering you, our client, with the knowledge, clarity, and strategic foresight needed to confidently navigate your entire financial journey, leading to a comfortable, fulfilling, and worry-free retirement.

We firmly believe that building lasting, long-term relationships is paramount. This is achieved through absolute transparency in our processes and fees, proactive communication, and advice that is always tailored specifically to your individual circumstances, aspirations, and risk tolerance. Your goals become our goals. We take the time to listen deeply, understand your life situation, and craft strategies that are not just theoretically sound, but practically implementable and aligned with your vision for the future. We are not just planners; we are your dedicated partners, committed to helping you realize the secure and prosperous retirement you deserve right here in Singapore.

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Trust & Integrity

Fiduciary duty, transparency in all dealings.

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Client-Centric Approach

Your goals are our priority; bespoke plans.

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Local Expertise

Deep understanding of CPF, SRS, & SG market.