Three services. One clear purpose.
Each programme is purpose-built for a distinct financial situation and level of complexity.
Back to HomeHow we approach every engagement
Each Sapient Edge service follows a consistent underlying process: begin with an accurate picture of the client's current situation, establish the relevant concepts and frameworks in a sequenced manner, work through application to the client's specific circumstances, and produce a written record of the key findings and frameworks covered.
This approach is not incidental — it reflects a considered view that financial education without context is of limited value, and that tangible outputs create accountability between the client and the insights they have gained.
Situational Assessment
Every engagement begins with understanding your starting point — income, assets, liabilities, and objectives.
Sequenced Learning
Concepts are introduced in a deliberate order so that each builds usefully on the previous one.
Practical Application
Frameworks are applied to your actual situation — not generic examples that may not translate to your context.
Written Output
Every service produces a written deliverable you retain — assessments, frameworks, or strategy documents.
Personal Finance Health Check
A straightforward diagnostic service for individuals who want to understand exactly where they stand financially before making any major decisions. The service covers a comprehensive review of income, expenses, savings rate, debt-to-income ratio, emergency fund adequacy, and a full snapshot of current assets and liabilities.
Participants receive a clear, jargon-free written summary with a prioritised list of areas worth attention. This is not a planning service — it is a clarity-building exercise that gives participants the information they need to decide their own next steps.
What's covered
Programme steps
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1Initial data gathering
Complete the structured financial questionnaire covering all income, outgoing, and asset information.
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2Assessment and analysis
Practitioner reviews your financial picture and prepares the written assessment document.
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3Review consultations
Two sessions to walk through the assessment, discuss findings, and address questions.
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+60-day follow-up
A structured check-in to revisit the assessment in light of any actions taken since.
Dividend Investing Fundamentals
An educational programme for individuals interested in building a portfolio oriented toward regular income through dividends. The programme takes a measured perspective, encouraging participants to look beyond headline yields and assess underlying business quality before drawing any conclusions.
Topics include how dividends work, evaluating dividend yield and payout ratios, understanding REITs in the Singapore context, identifying sustainable dividend payers, and the role of dividend reinvestment in compounding returns over time.
Curriculum topics
Programme structure
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1Weeks 1–2: Foundations
Dividend mechanics, yield concepts, and payout ratio analysis. First seminar session.
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2Weeks 3–4: Singapore REITs
In-depth REIT analysis, sector characteristics, leverage ratios, and distribution mechanics. Second seminar.
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3Week 5: Screening & Application
Dividend screening framework walkthrough and model analysis. Third seminar session.
Cross-Border Financial Strategy
A premium advisory service for individuals with financial commitments spanning multiple countries — dual citizens, returning Singaporeans, or those with overseas assets. Each engagement is highly personalised, reflecting the unique jurisdictional combination relevant to the participant.
Covers tax treaty implications, foreign asset reporting, cross-border estate complexities, multi-currency cash management, and international investment account structuring. The advisory approach is collaborative, bringing clarity to complex multi-country financial landscapes.
Areas covered
Who this service is for: Dual citizens, individuals with overseas employment income, returning Singaporeans with foreign assets, and those managing financial interests across multiple jurisdictions simultaneously.
Programme comparison
Use this overview to identify which programme best fits your current situation.
| Feature | Health Check SGD 290 |
Dividend Fundamentals SGD 490 |
Cross-Border Strategy SGD 1,300 |
|---|---|---|---|
| Programme duration | 3 weeks | 5 weeks | 12 weeks |
| Format | Individual | Seminar + 1:1 | Individual |
| Written deliverable | |||
| 60-day follow-up session | |||
| Personal financial assessment | |||
| Investment education content | |||
| Cross-border jurisdiction guidance | |||
| Best for | First financial clarity check | Building investment knowledge | Multi-country financial situations |
Shared standards and protocols
PDPA-Compliant Data Handling
All personal and financial information is handled in accordance with Singapore's Personal Data Protection Act. No client data is used for any purpose beyond service delivery.
Quarterly Content Review
All programme materials are reviewed and updated quarterly against current market conditions and any relevant regulatory developments in Singapore.
In-Person or Video Format
All sessions are available in-person at Marina One or via secure video call, according to client preference. Session recordings are available upon request for enrolled clients.
Plain Language Commitment
All written materials and verbal explanations are produced in clear, accessible English. Technical terms are defined when introduced, not assumed as prior knowledge.
Between-Session Support
Questions arising between scheduled sessions can be submitted via email and will receive a response within two business days from the lead practitioner for your programme.
Written Scope Agreement
Each engagement commences with a written scope agreement outlining deliverables, session schedule, and terms. No programme begins without mutual written confirmation.
Transparent, all-inclusive fees
No hidden charges. No upsells. The price shown covers everything listed in the programme description.
Health Check
- Written financial assessment
- Two consultations
- 60-day follow-up session
Dividend Fundamentals
- Three seminar sessions
- Dividend screening framework
- Model analysis walkthrough
Cross-Border Strategy
- Five advisory sessions
- Cross-border financial review
- Written strategy document
A brief introductory call will help identify the right starting point.
Most clients find that after a twenty-minute conversation, the right programme becomes clear. There is no pressure to commit during that call.
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