A steady presence at the intersection of knowledge and long-term planning.
← Back to HomeFounded in Singapore, for Singaporeans navigating the middle decades.
Merlion Wealth was established to address a gap that many Singaporean adults in their forties encounter: the broad subject of household finance had never been explained to them in an orderly, Singapore-specific way. Investment seminars offered products. Online content offered opinions. What was missing was structured, classroom-style education — patient, sequential, and built around the instruments that actually shape financial life here.
The organisation was founded on the understanding that financial knowledge, like any professional knowledge, benefits from proper instruction. The founders — experienced educators with backgrounds in financial planning and economics — designed the curriculum to mirror how a thoughtful harbour master approaches the task: taking a measured reading of what is present, charting what lies ahead, and noting the conditions worth watching.
Over the years, Merlion Wealth has refined its course content to reflect changes in CPF policy, SGX market structure, and the evolving financial concerns of the 40-and-above age group in Singapore. Each cohort informs the next — questions that arise in class frequently make their way into revised workbook sections or new discussion prompts.
The organisation operates on a simple principle: participants should leave each course knowing more about their own financial position than they did when they arrived, with a written record they can return to.
Educators who understand both the subject and the audience.
Former financial planner with fifteen years in the industry before moving into education full-time. Designed the CPF and retirement planning curriculum.
Economics educator with a background in adult learning design. Oversees the workbook materials and ensures accuracy across course content updates.
Spent twelve years as an equities analyst before joining Merlion Wealth. Teaches the equities and bonds integration course with emphasis on realistic portfolio expectations.
How we maintain the quality of instruction.
Annual content review
All course materials are reviewed annually against current CPF policy, MAS guidance, and SGX data to ensure accuracy.
Cohort size limits
A maximum of fourteen participants per cohort is maintained to preserve the quality of discussion and allow for individual attention.
Written participant outcomes
Each course ends with a structured document the participant keeps — a personal record, not a certificate. The document is reviewed for completeness before the final session.
Confidentiality protocols
All participant financial information shared during sessions or submitted through our site is handled under strict confidentiality and is never shared with third parties.
No product referrals
Merlion Wealth does not accept referral fees or commissions from financial product providers. Course content is education-only, without any commercial interest.
Post-course feedback loop
Written feedback is collected after each cohort. Common questions and unclear explanations are addressed in the following intake's materials.
Financial education for adults in Singapore requires a particular kind of care. The subjects — CPF account management, household balance sheets, portfolio construction on the SGX, SRS planning, retirement income coordination — sit at the intersection of personal circumstance and public policy. Generic content handles none of this well.
At Merlion Wealth, the instruction is built around the actual decisions that a household in Singapore faces in its forties and fifties: how to read a CPF statement with clarity, how to assess whether an existing portfolio reflects the household's actual time horizon, and how to document a retirement plan in a way that another family member could follow. These are practical questions, and they are treated practically.
The organisation does not subscribe to the view that financial knowledge should be withheld from non-professionals. The basics of household finance — cash flow, asset allocation, CPF mechanics — are teachable to anyone who approaches them with patience. The courses are structured accordingly: each session builds on the previous one, each workbook segment corresponds directly to the lesson content, and each final document represents work that the participant has actually done.
Merlion Wealth remains independent of financial product providers, brokerage firms, and insurance companies. This independence is fundamental to the quality of what is taught. Instructors are free to discuss the drawbacks of common products as openly as their advantages, and participants are encouraged to ask the questions they would hesitate to raise with a salesperson.
Would you like to know more before committing to a course?
We welcome enquiries from prospective participants. A brief exchange by phone or email is often enough to confirm whether a course is a suitable fit.