Programme Catalogue

Three Programmes, One Consistent Standard

Each Ledgerwise programme is designed for a distinct life stage and financial context — with a clear scope, practical materials, and facilitated delivery that respects the learner's time and intelligence.

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REF. LW-SOL · Programme Catalogue · 3 Programmes

Our Approach

How We Structure Financial Learning

Each Ledgerwise programme follows a three-layer structure: orientation (what the topic is and why it matters), framework (how the relevant financial structures work in Singapore), and application (how the participant can use this understanding in their own situation). This sequence ensures that participants are never asked to apply knowledge before they have had the opportunity to build it.

Sessions are conversational rather than lecture-based. Facilitators prepare structured content but are trained to follow the questions that participants raise, as these tend to reveal the concepts that need the most attention. Pre-session materials allow participants to arrive with enough orientation that session time can be used most productively.

Programme 01

Financial Literacy for Teens and Young Adults

Developed for participants aged 15 to 21 who are building their first real understanding of personal finance. The curriculum is age-appropriate without being condescending — it takes young learners seriously as people who are capable of engaging with real financial concepts.

Key Benefits

Builds positive financial habits from an early age, reducing later anxiety
Covers bank accounts, interest, digital wallets, and first financial goals
Interactive format — games and group discussions, not lectures
Young learner's finance journal included for ongoing use
Certificate of participation on completion

Programme Sequence

Money Fundamentals — earning, spending, saving, giving: the four pillars explained through everyday scenarios

Banking and Accounts — how bank accounts work, interest, fees, and the difference between current and savings accounts in Singapore

Digital Money — PayNow, e-wallets, and spending discipline in a cashless environment

Goal Setting and Planning — setting first financial goals, creating a simple savings plan, and reflecting using the finance journal

4 weeks · SGD 165

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Programme 02

Income Protection and Insurance Planning

An educational programme for working adults who want to understand insurance on their own terms — not through a sales conversation. Participants learn to evaluate coverage, identify gaps, and think clearly about the role of insurance in their overall financial structure.

Key Benefits

Vendor-neutral — no products sold or recommended
Covers MediShield Life, Integrated Shield Plans, term vs whole life
Needs-analysis calculator provided for independent use
One personalised policy review session included
Suitable for those with existing policies wanting clarity on gaps

Programme Sequence

Human Life Value and Risk — understanding what you are protecting and why quantification matters

Insurance Types and Structures — term, whole life, CI, disability income, and Singapore's health insurance landscape

Needs Analysis Workshop — using the calculator to assess your own coverage and identify gaps or redundancies

Personalised Policy Review — individual session reviewing existing policies with objective commentary

5 weeks · SGD 430

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Programme 03

Structured Retirement Income Planning

A detailed programme for individuals within 5 to 15 years of their target retirement date. The focus is on designing a reliable, layered income stream — realistic about inflation, healthcare costs, and longevity, and built around each participant's actual financial position.

Key Benefits

Personalised retirement income model built to your specific numbers
Covers CPF Life, investment withdrawals, annuities, rental income
Stress-testing against inflation, longevity, and healthcare variables
5 advisory sessions over 10 weeks
Annual review access included

Programme Sequence

Retirement Income Architecture — the income layering concept and how to combine sources effectively

CPF Life and Drawdown Options — Basic, Standard, and Escalating plans, OA/SA/RA interactions

Investment Withdrawal Strategy — sequencing, portfolio drawdown, and tax considerations

Scenario Modelling — stress-testing your plan against inflation, healthcare cost increases, and extended longevity

Plan Finalisation and Review — completing your personalised income model and agreeing on an annual review schedule

10 weeks · SGD 1,080

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Decision Guide

Which Programme Is Right for You?

If you are uncertain, the comparison below should help — or reach out and we will point you in the right direction.

Feature	Teen Literacy SGD 165	Insurance Planning SGD 430	Retirement Planning SGD 1,080
Age group	15 – 21	Working adults	50s – early 60s
Duration	4 weeks	5 weeks	10 weeks
Sessions	4	3 + 1 review	5 + annual review
Personalised model
Takeaway materials	Journal + cert.	Needs calculator	Income model
Best for	Starting out with money	Understanding existing coverage	Designing post-career income

Standards

Shared Standards Across All Programmes

PDPA Compliance

All participant data is handled in accordance with Singapore's Personal Data Protection Act.

Annual Content Review

Every programme is reviewed annually to reflect regulatory and policy changes.

Participant Feedback Loop

Structured feedback is collected after each cohort and used to improve future delivery.

Qualified Facilitators

All facilitators hold recognised financial and educational qualifications.

No Commercial Ties

Ledgerwise has no referral arrangements or revenue-sharing with product providers.

Singapore-Grounded Content

All examples, structures, and regulatory references are specific to the Singapore context.

Not sure which programme suits your situation?

We are happy to have a short introductory conversation to help you decide — without any commitment required.

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