The Resilience Planner - Cammie Tan

27/08/2026

Recently, I watched a conversation completely derail the moment money entered the room. Not because anything unreasonable was asked, but simply because money was spoken about plainly, without the usual tiptoeing.

It’s a dynamic many of us recognize. When someone carries unspoken anxiety or shame around money, straightforward questions don't register as neutral. A calm remark about a budget, a practical question about spending, or a simple mention of income suddenly feels like an accusation. The defense goes up, and the messenger takes the hit.

Money is simply a tool of exchange. It only feels shameful when it carries the weight of guilt, judgment, or fear.

If talking about money tends to bring up tension for you, the first step is creating a space to have honest, practical conversations, with someone who won't flinch, and won't shame you for where you are.

26/08/2026

Elderly man loses $70k to fake 'AI Robot' investment scheme despite son telling him it's a scam, Singapore News - AsiaOne

https://www.asiaone.com/singapore/elderly-man-ai-robot-investment-scam-losses

An elderly man who hoped to grow his nest egg put about $40,000 into an "AI Robot" product over the course of November 2025.While James (pseudonym) saw his projected investment returns surge, he experienced just as quickly various difficulties in managing and withdrawing his funds.Pressured to conti...

25/08/2026

Recently I saw the news: a woman arrested in Singapore, part of a probe into the Fun Coffee investment scheme. It brought back a memory.

A friend invited me to join months ago. She sent me the pitch deck, professionally done. But something didn't feel right. I'd thought it was a lifestyle app. The deck never said the word investment.

I said no. Wasn't interested in a lifestyle app that needed membership fees. Now it's in the news.

It's why I always ask clients one question: what criteria do you use to review your investments?

Most can't answer. Mine are simple.

1. Based in Singapore, licensed by MAS.
2. Minimal maintenance effort and fees.
3. Capable of appreciation over time.
4. Flexibility to convert into passive dividend income.

If you've bought a few investment products over the years but aren't sure what they actually are, that's exactly what I help clients untangle.

DM me if that's you.

24/08/2026

I saw a post in a public forum recently. Someone asked a financial planning question. One of the replies told them: "Just ask AI."

I actually use AI. It's useful. But that reply sat wrong with me.

Because AI predicts. It tells you what's statistically likely based on the data it has. What it can't do is account for your family, your season of life, and the trade-offs that don't show up in any dataset.

The professional in the room does that. And it takes years of real cases, real clients, real consequences, before that judgment becomes reliable.

Knowing how to ask AI the right question is already a skill most people haven't developed yet. Knowing how to verify what it gives you is another one entirely.

The people who built that capacity over years deserve more than "just ask AI."

23/08/2026

Today, I turn 44.

From studying structural architecture in my 20s to navigating a brainstem tumour diagnosis at 27 that stripped away my insurability, I learned early on that when life shifts, theoretical plans don't work.

Only structures hold.

Swipe through for the 44 quiet, structural lessons I’ve gathered across life, money mistakes, estate realities, and inner work.

Save this post for the season when you need to be reminded: you are not behind.. You are simply building the floor.

21/08/2026

Many of us are well acquainted with the necessity for health insurance. But few considered the necessity to make employment arrangements moving forward. The monthly income that we took for granted can dissipate overnight.

We stop. Our income stops too.

What then, is your contingency plan?

That was the premise of why I started on building my nest egg from investment that requires minimal monitoring.

When we have options, we minimise unnecessary stress.

How far are workplaces supposed to accommodate the medical needs of employees? Lawyers and HR practitioners weigh in.

20/08/2026

Singapore's first private assisted living development opened this month. A two-bedroom suite at Parry Avenue runs just over $13,000 a month. Before medical add-ons.

Neither of these is a bad life. But one of them was decided by someone else, by default, because no one had priced it out in advance. The other was decided years earlier, on purpose. That's what a financial plan actually buys. The right to make that call, long before the day it can't wait any longer.

We plan for the mortgage, the children's education, our own retirement. Ageing parents usually sit outside that structure entirely, filed under "we'll figure it out when the time comes." The Perennial Living price list is a preview of what figuring it out actually costs. At the two-bedroom rate, that's close to $156,000 a year. Over five years, close to $800,000.

Most families won't need a facility at this level. But the question underneath it is the same at every tier. Who pays. From what account. For how long.

I help families work out what a parent's care would actually cost, and where it would come from. Worth a conversation before the arrangement is decided under pressure.

DM me and I'll walk you through where to start.

20/08/2026

Singapore's first private assisted living project offers luxury eldercare from $8k-$13k/month! 🏡

What are your thoughts on this? 🤔

Discover Singapore’s first private luxury assisted living with integrated medical care, wellness services, and bespoke amenities for seniors aged 65 and above. Read more at straitstimes.com. Read more at straitstimes.com.

17/08/2026

One thing I always tell my friends... You're working hard for money, but is your money working hard for you?

👇👇
Look beyond T-bills, Singapore Savings Bonds as yields ease: advisers - The Business Times

Investment advisers caution that more needs to be put into equities Read more at The Business Times.

12/08/2026

Is there a good time to die?

Markets crash. People pass away holding shares. And what happens to that portfolio in between is something almost nobody plans for.

When a shareholder dies, the shares don't go to the family straight away. First the estate goes through probate, the court process that validates the will and gives the executor legal authority to act. In Singapore, that's usually a few months. Sometimes more.

While that's happening, nobody can touch the portfolio. It just sits there, riding out whatever the market's doing.

It happens more than people expect. A portfolio down 20 to 30 percent by the time probate cleared. Not bad investing. Just no structure built for speed.

A will says who gets what. It says nothing about how fast.

Getting the executor authority set up properly, titling assets so they can move, putting nominations in place where they're allowed — none of this is complicated. It just has to exist before it's needed.

The market doesn't wait for paperwork.

This goes up the day before Hungry Ghost Month starts. Not a coincidence.

If this makes you think about your own setup, drop a comment or DM me.