Life Stage Checklists

Getting Married

Key financial and protection steps before and after tying the knot.

Progress0 / 7

Review and update insurance beneficiaries

Consider joint/combined hospitalization coverage

Assess if death coverage is sufficient for spouse dependency

Review CPF nominations

Plan for wedding expenses without depleting emergency fund

Consider a will / lasting power of attorney

Discuss financial goals and protection needs as a couple

BTO / Buying Property

Protect your biggest purchase and plan your finances wisely.

Progress0 / 6

Ensure Home Protection Scheme (HPS) is adequate

Consider Mortgage Reducing Term Assurance (MRTA)

Review CPF OA usage for downpayment vs keeping for investment

Budget for renovation without touching emergency fund

Assess if existing coverage accounts for new mortgage liability

Consider property insurance (fire, home contents)

New Baby

More dependants means more responsibility — plan ahead.

Progress0 / 7

Add child as dependant for coverage assessment

Consider child's hospitalization plan (Integrated Shield Plan)

Start an education fund early (endowment or investment-linked)

Update will to include guardianship provisions

Increase death/TPD coverage — more dependants = higher need

Review maternity/paternity benefits and claims

MediSave for newborn — understand the MediSave grant

Career Change / Starting Business

Don't let a career move leave you exposed — review your safety net.

Progress0 / 7

Assess impact of losing group insurance from employer

Port any existing group policies if possible

Ensure personal hospitalization plan is in place (not just employer's)

Review income protection / disability insurance

Consider keyman insurance if starting a business

Update CPF contribution strategy if self-employed

Review emergency fund — 6-12 months if self-employed

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Want a personalized checklist for your life stage? Let us review your situation — it's free.

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1. Purpose of Data Collection

By submitting this form, you consent to Dream Planners Group and its authorised representatives collecting, using, and disclosing your personal data (name, phone number, email address, and life stage) for the purpose of preparing a personalized financial planning checklist and contacting you about financial products and services through all channels including SMS, phone call, email, and social media.

2. Data Protection (PDPA)

Your personal data is collected in compliance with the Singapore Personal Data Protection Act 2012 (PDPA). Your data will not be sold to third parties. Data will be retained for no longer than 12 months or until you withdraw consent, whichever is earlier. To withdraw consent or request access to or deletion of your personal data, email jason.ng@dporganisation.com.

3. Nature of the Tool

The life stage checklist is informational only and does not constitute financial advice under the Financial Advisers Act (Cap. 110). You are under no obligation to purchase any product or service. This service is available to Singapore residents aged 18 and above.

5. General

Dream Planners Group reserves the right to amend these terms at any time without prior notice. This service is governed by the laws of Singapore.

Getting Married

BTO / Buying Property

New Baby

Career Change / Starting Business

Get a Personalized Checklist

1. Purpose of Data Collection

2. Data Protection (PDPA)

3. Nature of the Tool

5. General

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