Halverin
Cohort reading session

Participant Notes

What Participants Have Said

These are accounts from adults who attended Halverin programmes. They are edited for length and shared with permission. Nothing has been added or removed to make them more positive.

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340+

Participants

4.8

Average Rating

5

Years Running

3

Programmes

Cohort Feedback

From Participants

PC

Priya Chandrasekaran

Bishan, Singapore · April 2025

Money Mapping Workshop

I came into the weekend not entirely sure what to expect. The workbook exercises were more useful than I anticipated — particularly the section on cashflow rhythms, which gave my husband and me a framework we actually used the following month when we were reviewing our household accounts. The sessions were unhurried, which helped.

TL

Tan Li Wei

Toa Payoh, Singapore · March 2025

Family Conversation Frameworks

Six weeks felt like the right length. The week between sessions gave me time to think about what had been discussed before the next one, which I didn't expect to matter as much as it did. The chapter on conversations with ageing parents was the one I found most challenging to read — which probably means it was the most useful one for me.

RG

Rajesh Govindarajan

Tampines, Singapore · April 2025

Retirement Vocabulary Circle

I had read about CPF Life in the newspaper many times but had never felt I understood what it meant for my household specifically. The reading circle did not advise me on what to do — it was clear it would not — but by the third session I had a much better sense of the questions I needed to ask my financial adviser. That felt valuable.

SY

Susan Yeo

Buona Vista, Singapore · May 2025

Money Mapping Workshop

I appreciated that there was no attempt to sell us anything over the two days. At one point someone in the group asked what product they should consider and the facilitator very calmly redirected the question back to the vocabulary. It seems like a small thing but it made a difference to the atmosphere in the room.

MH

Mohammad Hafizuddin

Jurong West, Singapore · March 2025

Family Conversation Frameworks

My wife and I attended separately — we thought it would be more useful to have independent perspectives on the material and then discuss it at home. That approach worked well for us. The programme gave us both the same vocabulary to draw on, which made our conversations afterwards noticeably less circular.

CK

Clara Khoo

Marine Parade, Singapore · April 2025

Retirement Vocabulary Circle

The glossary is genuinely useful. I keep it in the same drawer as my CPF statements. I have gone back to it twice since completing the circle, which I think says something about how it was written — it reads like a reference tool rather than a course handout.

Participant Journeys

Three Case Notes

Money Mapping · 2024

The Situation

A couple in their early fifties had reached a point where their household cashflow was substantially different from what it had been ten years earlier — one spouse had reduced work hours, one was still full-time — but their household money conversations were still structured around the old arrangement.

The Programme

Both attended the Money Mapping weekend workshop. The workbook's household priority mapping section prompted a direct conversation about how their priorities had shifted, which they had not previously framed as a mapping exercise but found clearer in that format.

What Followed

They reported that the shared vocabulary from the programme made subsequent household conversations noticeably more direct. They attended the Family Conversations programme the following quarter.

"The mapping framework gave us something to hold the conversation with. It sounds simple but it was what we needed." — Programme participant, 2024

Retirement Vocabulary Circle · 2025

The Situation

A woman in her late fifties was approaching retirement and had been avoiding scheduling a conversation with her financial adviser for months. Her reason, on reflection, was that she did not feel confident enough in the vocabulary to ask the questions she needed to ask without seeming uninformed.

The Programme

She attended the Retirement Vocabulary Reading Circle. The three sessions covered CPF Life structures, SRS accounts, and drawdown frameworks. She prepared a list of specific questions during the third session using the vocabulary she had read.

What Followed

She contacted us afterwards to say she had held the conversation with her adviser within two weeks of completing the circle and felt that the preparation had made a concrete difference to the quality of that conversation.

"I knew what CPF Life was. After the circle, I understood what I needed to ask about it." — Programme participant, 2025

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Shaw Tower, Singapore 189702

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IAL Singapore Partner Network, 2023

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