We help you see the full picture of your finances — so you can make confident decisions about your money, your family, and your future.
At Six Pack Wallet, we believe that good financial advice starts with understanding. Before recommending any product or strategy, we take the time to understand your complete financial picture — your income, your commitments, your goals, and the people who depend on you.
We combine thoughtful advisory with purpose-built planning tools that bring your finances to life, making it easier for you to see, understand, and act on what matters most.
Every financial plan we build is grounded in four principles:
Every engagement follows a structured process designed to give you maximum clarity in minimum time.
Every analysis session produces a comprehensive report. Here's a preview of what our reports look like — generated from real planning tools, personalised to your actual financial data.
Your report begins with a complete snapshot of where you stand — income, expenses, assets, liabilities, and four key financial health ratios. Each ratio is colour-coded so you can instantly see what's on track and what needs attention.
| Coverage Type | Recommended | Current | Level | Gap |
|---|---|---|---|---|
| Death / Life | $612K | $400K | $212K | |
| Total & Perm Disability | $612K | $500K | $112K | |
| Early Critical Illness | $306K | $200K | $106K | |
| Late-Stage Critical Illness | $306K | $350K | ✓ | |
| Disability Income (monthly) | $5,100 | $3,000 | $2,100 |
We map your existing policies against recommended coverage levels for death, disability, critical illness, and hospitalisation. Every gap is quantified with a dollar amount — so you know exactly where you may be underprotected and can make informed decisions.
| Age | Year | Opening | CPF Life | Expenses | Closing |
|---|---|---|---|---|---|
| 60 | 2046 | WORKING | — | ||
| 61 | 2047 | WORKING | — | ||
| Retirement begins — Age 62 | |||||
| 62 | 2048 | $542,300 | — | ($36,000) | $524,800 |
| 65 | 2051 | $470,200 | $22,200 | ($39,100) | $472,100 |
| 70 | 2056 | $385,600 | $22,200 | ($44,500) | $382,900 |
| 80 | 2066 | $162,400 | $22,200 | ($57,500) | $141,100 |
| 90 | 2076 | $18,200 | $22,200 | ($74,200) | $3,800 |
See a year-by-year projection from today through your target retirement age and beyond. The report factors in CPF contributions, CPF LIFE payouts, inflation-adjusted expenses, investment returns, and provisions — so you can see exactly when your funds may run out, or if they'll last.
| Metric | Before | After | Verdict |
|---|---|---|---|
| Savings Rate | 32.4% | 18.7% | Caution |
| Debt-to-Income | 22.1% | 31.5% | OK |
| Emergency Fund | 8.2 mo | 4.1 mo | Caution |
| Net Cashflow | $2,203 | $823 | OK |
Thinking about buying a car, sending your child overseas, or taking on a new loan? Our simulator lets you stack multiple decisions and see exactly how they affect your savings rate, debt ratio, emergency fund, and net cashflow — with traffic-light verdicts to guide your choices.
Understand how your assets would be divided under Singapore's Intestate Succession Act. The report breaks down your estate pool and shows the distribution across your spouse and children — helping you decide whether a will or nomination updates are needed.
We've developed a suite of proprietary planning tools that go beyond spreadsheets. These are the same tools your adviser uses during your review — designed to make complex finances visual, interactive, and easy to understand.
After working with us, you won't just have a plan — you'll have understanding. Here's what our clients gain:
Whether you're planning a major purchase, reviewing your protection, or just want to know where you stand — we're here to help you make sense of it all.
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