Shift from Product Pitching to Process-Driven Retirement Advisory
Holistic Retirement Adequacy Planning Professional (HRAPP™)
Master Holistic Retirement Income Planning Frameworks & Advisory Strategies
The Holistic Retirement Adequacy Planning Professional (HRAPP™) program is a professional training course designed for financial planners who wish to develop competency in retirement income planning and advisory conversations. The program equips advisers with the framework, methodology, and confidence to engage clients in meaningful retirement planning conversations and develop structured retirement income strategies.
The Challenge
Despite the importance of retirement planning, many advisers today still rely on product-led conversations, where financial solutions are introduced before a comprehensive retirement strategy is developed. This often results in fragmented financial plans, insufficient retirement income projections, weak client engagement, and short-term product transactions instead of long-term advisory relationships.
The Solution
The HRAPP™ program shifts advisers toward a planning-first mindset, where financial solutions are integrated into a well-structured retirement income strategy. Learn to guide clients through deeper questions—such as 'Will my CPF be enough?', 'How much monthly income will I have?', and 'How do investments, annuities, and CPF work together to support retirement income?'
Course Objectives
Discuss holistic retirement income planning propositions integrating CPF, investments, and financial solutions
Apply a structured planning framework to analyse retirement adequacy and design strategies
Engage prospects through meaningful retirement conversations about readiness and financial gaps
Adopt a process-driven advisory approach using structured planning methodologies
Promote client-centric financial planning focused on client needs and financial outcomes
Execute holistic retirement planning with confidence to achieve client long-term retirement goals
What You'll Learn
1. Singapore Retirement Landscape & Trends
- •Rapid ageing population demographics: 1 in 4 residents aged 65+ by 2030 (~900,000 residents)
- •Longer life expectancy exceeding 83 years (sustaining income for 25–30 years)
- •Medical inflation and rising cost of living risk management in retirement
2. Integrated Retirement Income Frameworks
- •Coordinating CPF income streams, investment portfolios, and annuities
- •Longevity protection and retirement income sustainability
- •Transitioning from product-led sales to planning-first advisory
3. Client Engagement & Needs Analysis
- •Answering key client questions on CPF adequacy and monthly cashflow needs
- •Structuring non-fragmented, long-term advisory relationships
- •Process-driven advisory methodologies for retirement readiness
4. Technical Competencies & IBF Framework
- •Addressing Technical Skills and Competencies (TSCs): Personal Finance Advisory (Level 4)
- •1-hour online MCQ Assessment preparation and mastery
- •Tracking training progress via IBF MySkills Portfolio
Upon Completion, You Will Be Able To
Position yourself with professional credibility as a retirement planning specialist
Conduct meaningful retirement conversations that build trust and long-term relationships
Use a clear, repeatable planning framework to analyse retirement adequacy
Move beyond product conversations to deliver holistic, client-centric advice
Earn the HRAPP™ designation and stand out in the financial advisory industry
Who Should Attend?
✓ Financial Planners & Advisers
Advisers wishing to strengthen advisory capabilities in retirement planning with no prior experience required
✓ Bancassurance Specialists
Specialists aiming to move beyond product transactions to process-driven retirement strategies
✓ Wealth Managers
Practitioners guiding clients on coordinating CPF streams, investments, and longevity protection
Course Fee & Funding
IBF-STS Funding Available
IBF-STS Funding Available (TGS-2026062685) Provides up to 70% course fee subsidy support for direct training costs for eligible Singapore Citizens and PRs.
70% Course Fee Subsidy
IBF-STS provides 70% course fee subsidy support for direct training costs subject to a cap of S$3,000, subject to all eligibility criteria being met.
Find out more on www.ibf.org.sg
Upcoming Dates
5 November 2026
9:30 AM – 5:30 PM
High street centre #03-07/08 S179094 Singapore
Frequently Asked Questions
Ready to Transform Your Practice?
Join this course and gain the skills and confidence to serve your clients at the highest level.