Understand Your Finances.
Make Decisions with Clarity.
Cognifin provides structured, practical financial education for Singapore residents — covering personal spending, property decisions, and whole-picture financial health reviews.
Book a SessionOur Programmes
Three distinct services, each designed to address a different dimension of personal finance. Choose what fits your current circumstances.
Mindful Spending Programme
A guided programme helping you develop intentional spending habits aligned with your personal values — not a strict budget.
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Sessions blend reflective exercises with practical tools. You'll build a customised spending framework you can sustain comfortably over time. Includes three coaching sessions, a values-alignment workbook, and a 45-day check-in.
- 3 one-on-one coaching sessions
- Values-alignment workbook
- 45-day follow-up check-in
Navigating Singapore's Property Landscape
An educational service covering HDB financing, private property modelling, ABSD, LTV ratios, and CPF-mortgage interplay.
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Information is presented neutrally to support informed decisions — no advocacy for any particular path. Includes two seminar sessions, a property affordability calculator tool, and one personalised advisory session.
- 2 seminar sessions
- Property affordability calculator
- 1 personalised advisory session
Comprehensive Financial Health Review
A thorough diagnostic covering net worth, cash flow, debt, insurance adequacy, investment portfolio, and retirement projection.
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A detailed written report with clearly prioritised recommendations. The tone is supportive and solutions-oriented — ideal for those navigating career change, marriage, parenthood, or approaching retirement.
- Full diagnostic written report
- 3 advisory sessions included
- Six-month follow-up session
Where would you like to start?
Whether you have a specific question or simply want to understand your options, we're here to have a straightforward conversation about your financial situation.
Frequently Asked
Who are Cognifin's programmes suited for?
Our programmes are designed for Singapore residents at various life stages — young professionals building their financial foundation, couples preparing for major purchases, mid-career individuals reassessing priorities, and those approaching retirement who want a clear picture of where they stand. No particular background in finance is expected.
Do you provide investment advice or product recommendations?
We are an educational service, not a financial advisory firm. We do not recommend specific investment products, insurance policies, or broker accounts. Our role is to help you understand concepts, frameworks, and your own situation — so you can engage with licensed advisers or make decisions with greater confidence.
How does the Comprehensive Financial Health Review work?
You begin by sharing financial information through a structured intake form — income, expenses, assets, liabilities, existing coverage, and goals. Our team then prepares a diagnostic report across all key areas, which we walk through together in an advisory session. The process spans approximately eight weeks including the follow-up consultation six months later.
Are sessions conducted in person or online?
Both options are available. Our office is located at Gateway East in the Beach Road area of Singapore. Many participants prefer in-person sessions for the Comprehensive Review, while online sessions via video call work well for the Mindful Spending Programme and property seminars. We'll confirm your preference when booking.
What is the payment process and are there installment options?
Payment is made in full prior to commencing the programme. We accept PayNow, bank transfer, and major credit cards. For the Comprehensive Financial Health Review (SGD 890), a split-payment arrangement over two instalments can be discussed at the time of enquiry.
Is my financial information kept confidential?
Yes. All personal and financial data shared during our programmes is handled with strict confidentiality in accordance with Singapore's Personal Data Protection Act (PDPA). We do not share your information with third parties for commercial purposes. A full outline of our data practices is available in our Privacy Policy.
How soon can I get started after enquiring?
We respond to all enquiries within one business day. Depending on programme availability, sessions can typically be scheduled within one to two weeks. We'll work around your schedule to find a time that suits you.
Our Location
152 Beach Road, #19-08, Gateway East, Singapore 189721
Reach Out to Cognifin
Send us a message, or simply call during business hours. We'll confirm your preferred programme and arrange a suitable time.