A Different Kind of
Financial Education
Cognifin was built around a simple belief: people make better financial decisions when they understand their own situation clearly, without pressure or jargon.
← Back to HomeHow Cognifin Came to Be
Cognifin began in 2019 when its founding team — a group of financial planners, educators, and researchers with backgrounds in Singapore's banking and advisory sectors — recognised a recurring gap: people were arriving at major financial decisions without a clear picture of their own circumstances. They weren't lacking information so much as they were lacking context and structure.
Rather than building another advisory firm, the team chose a different path — one focused entirely on education. The goal was to help individuals understand their finances in plain language, at their own pace, without being steered toward any particular product or provider.
Today, Cognifin serves working professionals, couples, and families across Singapore through three structured programmes, each designed to address a specific layer of personal financial life — from day-to-day spending habits to long-term planning and property decisions.
Our Mission
To equip Singapore residents with the knowledge and frameworks to navigate personal financial decisions with confidence — free from jargon, pressure, or hidden agendas.
Our Vision
A Singapore where financial literacy is a practical, lived skill — not an aspiration. Where individuals and families approach crossroads moments with clarity rather than anxiety.
Our Promise
We maintain strict independence. Cognifin does not earn commissions or referral fees from financial product providers. Our only interest is your understanding.
Our Team
Rajan Krishnan
Co-Founder & Lead EducatorFormer wealth management consultant with 14 years in Singapore's private banking sector. Rajan leads our financial health and property programmes, bringing applied experience to educational content.
Serene Lim
Co-Founder & Behavioural CoachSerene holds a graduate degree in behavioural economics and has spent the past decade applying behavioural insights to personal financial decision-making. She leads the Mindful Spending Programme.
Marcus Tan
Research & Content DirectorMarcus ensures our educational materials reflect current Singapore regulations, HDB and CPF policy updates, and market conditions. He manages curriculum development and keeps our content accurate and relevant.
Our Quality Standards
Every programme Cognifin delivers is held to a consistent set of standards that reflect our commitment to participants' genuine benefit.
PDPA Compliance
All personal and financial data shared during our programmes is handled in full accordance with Singapore's Personal Data Protection Act. We do not share or sell participant data.
Practitioner-Led Content
Our educational materials are developed and maintained by practitioners with direct, hands-on experience in Singapore's financial landscape — not outsourced content writers.
Independence & Neutrality
We do not accept referral arrangements, sponsorships, or placement fees from banks, insurance companies, or property agents. Our advice is shaped solely by the participant's interests.
Current Regulatory Content
Programme materials are reviewed quarterly to account for changes in CPF policy, HDB regulations, MAS guidelines, stamp duty structures, and lending rules.
Participant Feedback Integration
We actively collect participant feedback after every programme and use it to refine both content and delivery. This keeps our services genuinely responsive to real-world needs.
Confidential Sessions
All one-on-one and small group sessions are conducted in private settings. Financial disclosures made during advisory sessions are treated with complete confidentiality.
Grounded in Singapore's Financial Context
Singapore presents a uniquely layered financial environment for its residents. The interaction between CPF contributions, HDB ownership rules, Additional Buyer's Stamp Duty tiers, SRS accounts, and various income-linked subsidies creates a web of decisions that carries meaningful long-term consequences — yet rarely receives structured attention in everyday financial conversations.
Cognifin's programmes are built specifically for this context. Rather than adapting generic financial education frameworks from other markets, we have developed content that reflects the regulatory specifics, market conditions, and behavioural patterns observed among Singapore residents across different income levels and life stages.
Our participants include individuals managing a first salary, couples weighing HDB versus private property pathways, professionals navigating career transitions with savings implications, and those in the years leading up to retirement wanting a clear view of their CPF projections alongside other assets. Each group brings different questions, and our programmes are designed to meet them where they are.
We hold to a consistent editorial standard: every figure cited, regulation referenced, and scenario modelled in our materials is verified against current Singapore-specific sources. When rules change — and they do change — we update accordingly. Participants can trust that what they learn reflects today's actual landscape, not an outdated framework.
Curious about a programme?
Reach out and we'll take the time to understand your situation and point you toward the programme that fits best — without any obligation.
Contact Cognifin