Tan Siak Lim · Legacy & retirement planning

Most people work ten years longer than they need to.

Not because they love the work. Because they never worked out their number. I help you find it. Then I help you plan what your money does after you.

Book a call → Try the math first

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01 · The grind

Still grinding at 57. Sound familiar?

Successful people are busy people. They earn well. They save well. But most have never sat down to check if they could stop. So they keep going. Year after year.

02 · The math

The number is smaller than you think.

Around $1 million, invested with care, can pay about $4,000 a month. Many professionals in their 50s are already there. They just never did the math.

$1M → about $4K a month

A rule of thumb · not a promise

03 · The letter

Then plan what your money does after you.

Legacy is not a document you sign and forget. It is your money knowing what to do when you are not here to tell it. That letter is worth writing early.

Freedom is a number. Not a feeling.

Know yours

How I work

Expert advice. Nothing else.

0+ years

Advising Singapore families and professionals. The quiet kind of experience. It shows in the questions I ask.

$0K a month

What about $1 million can pay you, as a rule of thumb. Most people guess they need five times more.

0 minutes

How fast I will tell you if I can help. Sometimes five. If I cannot help, I say so. No chasing. Painful for you, painful for me.

Try the math

Your lifestyle has a price. Find it.

Slide to the monthly income you would want if work became optional. The math shows roughly what it takes. Most people are shocked. In a good way. This is a thinking tool, not advice. The real plan is a conversation.

If work became optional, I would want

$4,000 / month

$2K$20K

The rough number that pays for it

$1.0 million

Rule of thumb only: monthly income × 250, roughly a 4.8% yearly draw. Real numbers can differ quite substantially depending on your investment portfolio and the drawdown rules you use. Your own number depends on your age, your assets and your plans. That is the conversation.

What to expect

Three conversations. No pressure.

01 / THE FIT

FIRST CALL

Fifteen minutes.

A short call. I ask a few questions. You will know fast if I can help. Sometimes it takes five minutes. If I cannot help, I tell you straight and point you somewhere better.

02 / THE PICTURE

THE REVIEW

The full picture.

We lay out what you have and what it needs to do. Most people see their real position clearly for the first time. Including the blind spots.

03 / THE PLAN

THE ROADMAP

The plan.

Retirement income. Legacy and estate. Everything in plain English, so your family can understand it without you in the room.

The next step

Know your number. This month.

One call. No products on the table. We work out your number and what stands between you and it. If I can help further, I will say how. If you do not need me, I will say that too. That is how I have worked for twenty years.

Book a call with Siak Lim.

Bring your questions. Leave knowing your number and the two or three moves that actually matter.

Book a call →

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