The Resilience Planner - Cammie Tan

27/05/2026

26,000 people were asked about their deepest regrets.

The most common thread? Not failure. Inaction.

The will not written. The LPA not arranged. The family conversation quietly deferred for years.

Estate planning is not about death. It is about making sure the people we love are not left carrying our unfinished business.

The Preserve layer of your financial life is where everything built above it is either protected — or left to chance.

Which season are you in right now? The quiz is linked in my bio.

25/05/2026

A client told me her previous FA couldn't get the payment through. I believed her — and almost stopped trying.

Then I tried one more time. It worked.

That small moment mirrors something we see repeatedly in financial planning. Someone gets declined by an insurer after a health event. A friend says the same happened to her and nothing could be done. So the search stops there.

But a decline from one insurer reflects that insurer's appetite at that moment. It is not a summary of the entire market — and it is certainly not the final word on what is available to you.

The same logic applies to investment decisions made on borrowed experience. To wills never written because someone heard the process was complicated. To protection gaps never closed because the first conversation felt discouraging.

Other people's experiences are worth listening to. They are not worth deferring to.

If a door closed for someone else, it may simply mean they needed a different key — or a different door entirely.

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𝘞𝘩𝘪𝘤𝘩 𝘰𝘧 𝘵𝘩𝘦𝘴𝘦 𝘴𝘰𝘶𝘯𝘥𝘴 𝘧𝘢𝘮𝘪𝘭𝘪𝘢𝘳 𝘵𝘰 𝘺𝘰𝘶? 𝘋𝘳𝘰𝘱 𝘪𝘵 𝘪𝘯 𝘵𝘩𝘦 𝘤𝘰𝘮𝘮𝘦𝘯𝘵𝘴.

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10/05/2026

LPA fees for customised powers lowered for Singaporeans | The Straits Times

Singaporeans now pay a reduced fee of $30 for customised Lasting Power of Attorney (LPA) applications, making estate planning more accessible. Read more at straitstimes.com. Read more at straitstimes.com.

30/04/2026

𝗠𝗼𝘀𝘁 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗳𝗹𝗼𝗼𝗿𝘀 𝘄𝗲𝗿𝗲 𝗯𝘂𝗶𝗹𝘁 𝗳𝗼𝗿 𝘆𝗲𝘀𝘁𝗲𝗿𝗱𝗮𝘆'𝘀 𝗰𝗼𝘀𝘁 𝗼𝗳 𝗹𝗶𝘃𝗶𝗻𝗴. 𝗧𝗵𝗲 𝗻𝘂𝗺𝗯𝗲𝗿𝘀 𝗵𝗮𝘃𝗲 𝗺𝗼𝘃𝗲𝗱.

My hairdresser said it simply this morning: her product orders are likely going up in price soon.

Not dramatic. Just quiet, steady upward pressure — the kind that compounds across groceries, utilities, school fees, and everything else that makes up a real household.

The question isn't whether to worry. It's whether your financial foundation was designed for this economy.

Three things worth checking:

✦ Emergency fund — recalculated at today's costs

✦ Income protection — still adequate if earnings stopped?

✦ Fixed expenses — how much of your outflow is non-negotiable?
Resilience is built before the pressure arrives. Not during it.

💾 𝘚𝘢𝘷𝘦 𝘵𝘩𝘪𝘴 𝘪𝘧 𝘢 𝘧𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘧𝘭𝘰𝘰𝘳 𝘳𝘦𝘷𝘪𝘦𝘸 𝘪𝘴 𝘰𝘷𝘦𝘳𝘥𝘶𝘦.

27/04/2026

A lawyer said something in a recent seminar I attended, and that I've been thinking about clients for years.

Property is often the largest asset in a portfolio —
and the one a financial plan treats least structurally.

These are the questions I hear most often —
and they're rarely just about property:

→ Should I buy another?
→ Can we decouple?
→ How do I transfer this to my children?
→ How much of my wealth should sit here?

Each answer lives in a different room of the financial house.
Someone needs to be holding the whole building.

💾 Save this if it landed.

14/04/2026

If it's not planned for, then by default, that's already the plan.

In a society that values preparedness and responsibility, death literacy deserves a place alongside financial and health literacy, say Singapore Hospice Council’s Sim Bee Hia and Dr Norhisham bin Main. https://cna.asia/4vomGgt

08/04/2026

New IP riders launched on 1 April.

Premiums down 35–40%. Some insurers, up to 68%.

And the question flooding every local forum right now:

"𝘚𝘩𝘰𝘶𝘭𝘥 𝘐 𝘥𝘰𝘸𝘯𝘨𝘳𝘢𝘥𝘦?"

Here's what that question is actually asking, underneath the numbers:
If something happens to me — will I still get to choose?

Choose my specialist. Keep my doctor. Follow the surgeon who already knows my history.

Most people pick insurance plans based on ward class.
That's how the products were designed.

But when it actually matters, nobody is thinking about ward class.
They're thinking about the person they trust to treat them.

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The honest answer to "should I downgrade?" is: it depends.

Not a deflection. A fact.

It depends on whether you can absorb a $10,000 out-of-pocket without it disrupting your family.

It depends on your health history — and what coverage you could realistically get back if you needed to upgrade later.

Downgrading is largely a one-way door once health history accumulates.

That asymmetry is worth more than a few minutes in a public forum.

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If you're sitting with this decision, I'm happy to be a thinking partner before you make it.

🔗 Link in bio / DM me directly.

07/04/2026

CPFB | Singtel Group initiates exercise to transfer Singtel Special Discounted Shares (SDS) from CPF Board to The Central Depository (CDP) accounts of SDS holders, giving SDS holders direct control over their shares

https://www.cpf.gov.sg/member/infohub/news/news-releases/singtel-group-initiates-exercise-to-transfer-singtel-special-discounted-shares

View news release on Singtel Group initiates exercise to transfer Singtel Special Discounted Shares (SDS) from CPF Board to The Central Depository (CDP) accounts of SDS holders, giving SDS holders direct control over their shares

06/04/2026

𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗿𝗲𝘀𝗶𝗹𝗶𝗲𝗻𝗰𝗲 𝗶𝘀𝗻’𝘁 𝗯𝘂𝗶𝗹𝘁 𝗳𝗿𝗼𝗺 𝗽𝗿𝗼𝗱𝘂𝗰𝘁𝘀.
𝗜𝘁’𝘀 𝗯𝘂𝗶𝗹𝘁 𝗳𝗿𝗼𝗺 𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲.

The Financial House Framework helps you see where you are strong — and where reinforcement is needed.

𝙔𝙤𝙪𝙧 𝙨𝙚𝙖𝙨𝙤𝙣 𝙙𝙚𝙩𝙚𝙧𝙢𝙞𝙣𝙚𝙨 𝙮𝙤𝙪𝙧 𝙛𝙤𝙘𝙪𝙨.

If you're unsure which priority deserves attention right now, take the Wealth Seasons Quiz.
☛ Link here: https://cammietan.com/wealth-quiz/

Build upward. Safely.