Cohort Notes
These accounts come from adults who attended Curventa cohorts. They have not been edited for positivity — a few note things they found difficult or would approach differently next time.
← Back to HomeFrom the Cohorts
Lim Teck Huat
Retired civil servant · Bedok
"I attended the estate planning series last year after my wife kept saying we should look into LPA. Neither of us knew where to start. Eight weeks later I at least understood what questions to bring to a lawyer. That felt like progress."
Estate Planning Programme · April 2025
Sujatha Krishnaswamy
Secondary school teacher · Tampines
"The budget conversations series was the one I was most sceptical about — I thought it would be obvious. It wasn't. The session on sibling coordination for parent care touched a nerve for a lot of us in the group. We talked for longer than scheduled that evening."
Budget Conversations Series · March 2025
Wong Chee Meng
Operations manager · Jurong East
"I did the pre-retirement workshop in February. The workbook is genuinely well-written — something you can actually read, not a marketing brochure. I wished the CPF section went a bit deeper but I understand there's only so much a weekend can cover. I've since passed it to my younger brother."
Pre-Retirement Workshop · February 2025
Anita Gupta
HR director · Central Singapore
"I've attended two of the three programmes now — the budget series first, then estate planning. What I value is the consistency: same format, same calm atmosphere, same absence of anyone trying to sell me something. That sounds like a low bar but it's surprisingly rare."
Multiple Programmes · 2024–2025
Tan Feng Lin
Accountant · Bishan
"Even as an accountant, the estate planning language was unfamiliar in ways I hadn't expected. Legal vocabulary and financial vocabulary don't always overlap. The glossary they provided has sat on my desk since the programme ended."
Estate Planning Programme · January 2025
Ramasamy Nair
Business owner · Novena
"The small group format genuinely matters. I've been to seminars where you sit in a row and look at the back of someone's head for two hours. This was different. By the third session I felt comfortable raising questions I wouldn't have asked in public."
Budget Conversations Series · April 2025
In Their Own Words
The Starting Point
Mdm Chan arrived at the estate planning programme having avoided the topic for three years following her husband's early retirement. She felt the vocabulary alone — "intestate", "donor", "donee" — was a barrier to even beginning.
During the Programme
By the third session, she had a working understanding of LPA terminology. She used the scenario cards in Session 6 to think through her own household situation — something she described as "the first time I've actually mapped it out."
Afterwards
She engaged a solicitor six weeks after the programme concluded and reported that the session helped her ask "questions I didn't know I could ask." She enrolled her sister in the next cohort.
"The reading room is the right size. You can actually hear yourself think."
The Starting Point
Mr Balaji attended the pre-retirement workshop eighteen months before his planned departure from full-time employment. He described himself as "the kind of person who reads everything but has never had time to read this."
During the Programme
He found the CPF Life timing framework the most useful component, but noted that the conversational section on Saturday afternoon opened a discussion with his wife that had been pending for over a year. "It gave us a shared vocabulary."
Afterwards
He kept the workbook on his study desk and referred to it during subsequent conversations with his financial planner. The reference card is laminated and pinned to his study noticeboard.
"Two days well spent. I came in uncertain and left with a clearer sense of what I actually need to think about, not what someone else thinks I should buy."
620+
Programme participants
4.7
Average satisfaction rating (out of 5)
7 yrs
Delivering programmes in Singapore
38%
Participants attend a second programme
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