Three Paths, One
Each Numisma programme addresses a distinct financial need — from building a safety net to architecting a complete financial life. Find the one that fits your current situation.
← Back to HomeHow Every Engagement Works
Regardless of the programme selected, each engagement follows the same foundational principles: discovery before direction, explanation before recommendation, and structure before execution. The sequence matters.
Discovery
Understand your current situation fully before proceeding
Structure
Build the relevant financial framework together
Implementation
Translate the plan into concrete, manageable steps
Review
Confirm progress and adjust as circumstances evolve
Emergency Fund Strategy Session
A focused, practical service for individuals who want to establish or strengthen their financial safety net. Participants work through a guided assessment of their emergency fund needs — factoring in job stability, dependants, health considerations, and fixed obligations.
The session covers where to park emergency funds for optimal accessibility and modest returns, how to determine an appropriate target amount, and how to build toward that target incrementally. The tone is reassuring and pragmatic. Suitable for anyone at any income level.
What is Covered
- Personalised assessment of emergency fund needs
- Where to hold funds for accessibility and modest yield
- Determining an appropriate target amount
- Incremental savings strategy toward the target
- Emergency fund calculator and savings timeline
Process Steps
- 1Initial needs assessment session
- 2Fund structure and placement recommendation
- 3Savings timeline review session
Systematic Investment Planning
An educational programme for individuals who want to adopt a disciplined, regular investment approach rather than attempting to time markets. Topics include dollar-cost averaging, setting up regular savings plans with Singapore-based platforms, selecting appropriate funds for systematic investment, rebalancing triggers, and the psychological aspects of consistent investing.
The programme encourages a long-term perspective and helps participants design a system that aligns with their financial capacity and goals.
Topics Covered
- Dollar-cost averaging — principles and application
- Singapore platforms for regular savings plans
- Fund selection criteria for systematic investors
- Portfolio rebalancing triggers and approach
- Progress tracking and review cadence
Programme Structure
- 1Current situation and goals discovery session
- 2Systematic investment framework session
- 3Implementation support and review session
Complete Financial Architecture
A holistic advisory engagement that builds a unified financial structure encompassing every dimension of a participant's financial life. The process begins with deep discovery — values clarification, life stage assessment, and comprehensive data gathering.
Subsequent sessions methodically address cash flow optimisation, risk management, investment strategy, tax efficiency, retirement projection, and estate considerations. The final deliverable is a living document designed to evolve with the participant's circumstances. Suited for individuals or couples who want a single, coordinated plan rather than piecemeal guidance.
What is Addressed
- Cash flow optimisation and budget architecture
- Risk management and protection planning
- Investment strategy aligned with goals and capacity
- CPF and SRS tax efficiency strategies
- Retirement projection and estate considerations
- Living financial plan document — updated semi-annually
Engagement Timeline
- 1Deep discovery and values clarification (week 1–2)
- 2Five specialist topic sessions (weeks 3–12)
- 3Final plan presentation and review (weeks 13–16)
- 4Semi-annual reviews for 18 months post-completion
Which Programme Fits?
| Feature | Emergency Fund | Systematic Plan | Full Architecture |
|---|---|---|---|
| Duration | 2 weeks | 5 weeks | 16 weeks |
| Sessions included | 2 | 3 | 7 + reviews |
| Written deliverables | |||
| Investment guidance | — | ||
| Retirement planning | — | — | |
| Estate considerations | — | — | |
| 18-month review access | — | — | |
| Price | SGD 160 | SGD 420 | SGD 1,350 |
Best for
Emergency Fund
Just starting out or wanting to reassess your safety net
Best for
Systematic Plan
Have a foundation and want to invest with discipline and structure
Best for
Full Architecture
Want a coordinated, comprehensive financial plan covering everything
Shared Across All Programmes
PDPA Compliant
All data handled under Singapore's Personal Data Protection Act
No Product Commissions
Guidance is never influenced by financial product relationships
Flexible Format
In-person at Shenton Way or via video call — your choice
Flexible Scheduling
Weekdays and Saturday morning appointments available
Not Sure Which to Choose?
A brief initial call with the team usually clarifies things quickly. There is no pressure and no commitment.
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