Three Programmes.
One Consistent Standard.
Each Cognifin programme is designed for a specific dimension of personal finance. They can be taken independently or in sequence, depending on where you are and where you want to get to.
← Back to HomeHow We Approach Each Programme
Every Cognifin programme follows the same three-phase structure: understand, equip, apply. We begin by understanding your starting point and goals. We then equip you with the frameworks, knowledge, and tools relevant to your situation. Finally, we create structured space for you to apply that learning — through exercises, scenarios, and practitioner-led sessions.
What makes this work is pacing. Financial topics rarely land well in a single sitting. Our programmes are spread across multiple weeks with deliberate intervals between sessions, giving participants time to process, observe their own patterns, and return with more meaningful questions.
Understand Your Starting Point
A structured intake or diagnostic phase to map your current situation accurately before any recommendations or frameworks are introduced.
Build Knowledge and Context
Practitioner-led sessions covering the concepts, regulations, and tools most relevant to your situation — at a pace that allows for questions and reflection.
Apply and Follow Up
Structured exercises, personalised workbooks, or written reports — plus a follow-up session to revisit progress after you've had time to act on what you've learned.
Mindful Spending Programme
A guided programme for individuals who want to develop a more intentional approach to how they allocate their income. Rather than prescribing a rigid budget, this programme helps participants identify their personal values and align spending with what genuinely matters to them. Sessions blend reflective exercises with practical tools — participants build a customised framework they can sustain comfortably over time.
Suitable for anyone who earns a regular income but feels a disconnect between their spending patterns and their sense of financial wellbeing. No prior knowledge of personal finance is required.
- 3 one-on-one coaching sessions (90 min each)
- Values-alignment workbook with guided exercises
- 45-day follow-up check-in included
- Available in-person or online
Investment: SGD 260
Navigating Singapore's Property Landscape
An educational programme for prospective homeowners and property investors seeking to understand the financial dimensions of Singapore's real estate market. Topics include HDB eligibility and financing, private property cash flow modelling, Additional Buyer's Stamp Duty considerations, loan-to-value ratios, and the interplay between CPF and mortgage commitments.
Information is presented neutrally — there is no advocacy for HDB over private property or vice versa. The programme helps participants make informed decisions by equipping them with the financial analysis tools to evaluate their own options.
- 2 seminar sessions (2 hours each)
- Property affordability calculator tool (SGD and CPF-aware)
- 1 personalised advisory session (60 min)
- Small group seminar format (max 8 participants)
Investment: SGD 480
Comprehensive Financial Health Review
A thorough diagnostic service for individuals or couples who want a clear, honest picture of where they stand financially. The process covers net worth analysis, cash flow mapping, debt assessment, insurance adequacy, investment portfolio review, and retirement projection. A detailed written report is delivered with clearly prioritised recommendations.
Ideal for those at a crossroads — career change, marriage, parenthood, or approaching retirement. The tone is supportive and solutions-oriented, acknowledging each person's unique circumstances without judgment.
- Comprehensive written diagnostic report
- 3 advisory sessions (60–90 min each)
- Six-month follow-up session included
- Covers all major personal finance areas
Investment: SGD 890
Choose the Right Programme
Not sure which programme suits your situation? The comparison below can help you decide.
| Feature | Mindful Spending SGD 260 · 6 wks |
Property Landscape SGD 480 · 4 wks |
Financial Health SGD 890 · 8 wks |
|---|---|---|---|
| Best for | Spending awareness & values alignment | Property purchase decisions | Whole-picture financial review |
| 1-on-1 sessions | 3 | 1 | 3 + follow-up |
| Written report | Workbook | Calculator tool | Full diagnostic |
| Follow-up included | 45-day check-in | — | 6-month session |
| Covers CPF / HDB | Contextually | In depth | Fully |
| Online sessions | ✓ Available | ✓ Available | ✓ Available |
Shared Across All Programmes
Data Privacy (PDPA)
Personal and financial data shared during sessions is handled in full accordance with Singapore's Personal Data Protection Act.
Commercial Independence
Cognifin does not receive referral fees, commissions, or sponsorships from any financial product provider. Advice is shaped entirely by participant need.
Quarterly Content Review
All programme materials are reviewed quarterly against current MAS, CPF, and HDB guidelines to ensure accuracy and relevance.
Practitioner Delivery
Sessions are led by practitioners with direct professional experience — not junior facilitators or scripted presentations.
Participant Feedback Loop
Post-programme feedback is collected and reviewed as part of our ongoing commitment to programme improvement.
Flexible Delivery Format
All programmes are available both in-person at our Beach Road office and online via secure video call — your preference, your schedule.
Not sure which programme fits?
Drop us a message describing your situation and we'll point you in the right direction — no obligation and no sales pitch.
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