For financial advisors · Singapore
Beyond products: become the advisor your clients choose to let in.
Perfingo gives you a real seat inside each client's own plan, granted by the client, scoped by a dial they hold. You bring the judgement; the plan recalculates live while you both watch.
S$600/year · unlimited clients & prospects · we never sell leads
Why advisors choose Perfingo
Plan comprehensively. Prove it live.
The same planning engine your clients use for their own money, plus the practice tools you need to serve many of them well.
Every client at a glance
Your client list shows each household with its signals, and search works across client names, insurers and policies, straight into the right plan.
Model live in the meeting
Drag a goal and the whole plan recalculates in front of the client. The what-if sandbox overlays scenario against baseline: safe to explore, safe to discard.
Singapore-native maths
CPF OA/SA/MA and CPF LIFE, HDB and BTO progressive payments, income ceilings, local insurance categories: modelled, not approximated.
Trust that's structural
You never ask clients to hand over logins or paperwork. They grant a seat, scope it with a dial, and can take it back. Trust is a feature, not a promise.
The shift
From transactions to trusted relationships.
The objections that stall a product pitch dissolve when the client keeps control and watches every number recalculate live.
“Clients hesitate to hand over their full financial life.”
They never have to. Your client shares a link and sets the dial (view, plan or full), and can narrow it whenever they like. Trust starts structural, then grows.
“Comprehensive plans take too much time.”
Start a new client from a PII-stripped template of your best work, then adjust live: the plan recalculates as you drag goals. What took hours takes minutes, in the meeting.
“Advice evaporates the moment the meeting ends.”
Commit a replan with a note attached and both sides can always see it, a decision log that quietly becomes the audit trail of your relationship.
The access dial
Your seat. Their dial.
You never take access to a client's plan. You're granted it. The client sends a share link, and a three-rung dial decides exactly what your seat can do.
View
See the whole plan, and still model live. The view seat is a scratch pad: explore ideas in front of your client without saving a thing.
Plan Sam's setting
Edit the plan itself (goals, scenarios, assumptions). Their day-to-day money records stay theirs alone.
Full
Plan plus the day-to-day records, for clients who want you across everything.
However wide the seat, two things never move: the client can narrow or revoke it at any time, and setting the plan of record always stays with them.
Sam set your seat to Plan, and can widen, narrow or revoke it any time.
“What you can't do is hidden; what you can't see is explained, never faked.”
Individual vs Advisor
Two accounts, one planning engine.
The individual plan is for your own money. The advisor plan adds the client list, the seats and the practice tools.
| Feature | To test it yourselfIndividual | To serve clientsAdvisor |
|---|---|---|
| Price | S$12/month or S$96/year | S$600/year, flat |
| Getting started | 14-day free trial, no card | Subscribe once; clients grant you access by link |
| Who it's for | Your own money | Your practice: every client who lets you in |
| Full planning loop | Plan · Track · Budget · Grow | Plan · Track · Budget · Grow |
| Whose plans you can open | Yours, plus your partner, as a household | Every client who has granted you a seat |
| Who controls access | You: it's your plan | The client: a three-rung dial they can narrow or revoke any time |
| Live modelling in meetings | For your own planning | With any client (even on a view-only seat) |
| Client list & search | - | Every client at a glance: search name, insurer or policy |
| Plan templates | - | Save any plan, identity stripped automatically (private to you) |
| Decision log | - | A note on every committed replan, visible to both sides |
| Free Perfingo for your clients | - | 6 months free, every client |
| Best for | Planning your own life | Running your practice |
To test it yourselfIndividual
- Price
- S$12/month or S$96/year
- Getting started
- 14-day free trial, no card
- Who it's for
- Your own money
- Full planning loop
- Plan · Track · Budget · Grow
- Whose plans you can open
- Yours, plus your partner, as a household
- Who controls access
- You: it's your plan
- Live modelling in meetings
- For your own planning
- Client list & search
- -
- Plan templates
- -
- Decision log
- -
- Free Perfingo for your clients
- -
- Best for
- Planning your own life
To serve clientsAdvisor
- Price
- S$600/year, flat
- Getting started
- Subscribe once; clients grant you access by link
- Who it's for
- Your practice: every client who lets you in
- Full planning loop
- Plan · Track · Budget · Grow
- Whose plans you can open
- Every client who has granted you a seat
- Who controls access
- The client: a three-rung dial they can narrow or revoke any time
- Live modelling in meetings
- With any client (even on a view-only seat)
- Client list & search
- Every client at a glance: search name, insurer or policy
- Plan templates
- Save any plan, identity stripped automatically (private to you)
- Decision log
- A note on every committed replan, visible to both sides
- Free Perfingo for your clients
- 6 months free, every client
- Best for
- Running your practice
Both plans run the exact same planning engine: evaluate it on your own money first, then bring it to your clients.
Tools for the day-to-day of a practice
Everything you need in the meeting, and between meetings.
A client list that briefs you
Search by client name, insurer or policy. Open a client to see plan overview, applicant ages, the insurance book grouped Health / Wealth, and total annual cash + MediSave premiums.
Acting for, never mixed up
Open a client and work inside their plan with a persistent “acting for” banner, then exit cleanly back to your list. No crossed wires between households.
Templates, identity stripped
Save any client plan as a reusable template: names and personal details are removed automatically, scenario numbers kept. Private to you: new client in seconds.
A decision log both sides keep
When you commit a replan together, attach a note the client and you can always see. What was decided, when, and why: on the record.
From fellow advisors
What advisors say.
PlaceholderThe dial did more for trust than any pitch. Clients start me on view, watch me model their plan live without saving a thing, and widen the seat themselves a meeting later.
PlaceholderTemplates changed my prep. I saved my best BTO-upgrader plan once (names stripped, numbers kept) and now a new client starts from it in seconds.
PlaceholderThe decision log is the thing clients mention. Every replan carries a note we can both always see: no more “what did we agree last time?”.
Advisor pricing
One simple plan for growing your practice.
No hidden fees, no per-client charges, and separate from the individual plan. Built for professionals who plan for many.
Annual subscription
Unlimited clients & prospects
For your practice
- Unlimited clients and prospects
- Client list, search & acting-context switching
- Plan templates & the decision log
- Live what-if modelling in every meeting
For your clients
- 6 months of Perfingo, free, for every client you plan with
- The full individual experience, on their own account
- The access dial stays in their hands
- They sign up with just an email
One annual payment · unlimited client planning · cancel anytime
Advisor questions
Answered plainly.
How do I get access to a client's plan?
Your client sends you a share link from their own account. Accepting it opens a seat at whatever level they chose on the access dial (view, plan or full). There is no way to add yourself to a plan; access always starts with the client.
What can I actually do at each level of the dial?
View shows you the whole plan and still lets you model live: it's a scratch pad, and nothing you try is saved. Plan lets you edit the plan itself (goals, scenarios, assumptions) but not their day-to-day money records. Full adds those records too. At every level, what you can't do is hidden and what you can't see is explained, never faked.
What happens if a client narrows my seat mid-session?
Nothing breaks silently. Your next save is refused with a plain explanation of what changed: that guarantee is the point of the dial. The client can narrow or revoke your seat at any moment, and the worst you ever get is a clear message.
Can I try ideas without changing the client's plan?
Yes. The what-if sandbox compares a scenario against the baseline with a ghost overlay, and everything in it is safe to explore and discard. On a view seat the entire plan is a live scratch pad. Committing a change to the plan of record always stays with the client.
What's the decision log?
When you commit a replan with a client, you can attach a note that both of you can always see. Over time it becomes an audit trail of advice moments: what was decided, when, and why.
How do plan templates work?
Save any client plan as a reusable template. Names and personal details are stripped automatically; the scenario numbers are kept. Templates are private to you, and a new client can start from one in seconds.
How is client data protected?
Every household is isolated at the database level with row-level security, enforced server-side, not just in the interface. Removing an advisor removes their access; it never deletes the client's data. We never share or sell client information.
How does advisor pricing work?
A simple annual subscription of S$600/year: unlimited clients and prospects, all practice tools, and 6 months of Perfingo free for every client you plan with. It's separate from the individual plan.
Should I try the individual plan first?
We recommend it. The most honest way to evaluate Perfingo is to plan your own money: start the 14-day free trial on the individual plan (S$12/month), then move to the advisor plan when you're ready to bring it to clients. Same planning engine either way.
Elevate your practice: on your clients' terms.
One flat price, unlimited clients, and a seat each client controls. No leads sold, no commissions taken.
Unlimited clients & prospects · Cancel anytime