Akiff Asyraf
Branch Manager, finexis advisory representative
Faraid shares your estate. It doesn’t plan your retirement.
Retirement and faraid, planned together.
Faraid decides who receives what after you’re gone. It says nothing about how you’ll live for the 20 or 30 years before that. In a free 30 minute review, Akiff puts both halves on one page: a plan for halal monthly income in the living years, and an estate set up the way you intend.
Book my free Two Halves Review30 minutes on Zoom. Free, and no product pitch.
Akiff runs about 10 of these reviews a week, himself.
The free 30 minute Two Halves Review
Assalamualaikum,
Most of the planning we hear about in our community is about after. Who receives the flat. Whether the wasiat is done. How faraid will divide what’s left.
That matters, and it should be done properly. But it’s the shorter part of the story.
The longer part is the 20 or 30 years before it. The years after your last payslip, when the bills keep coming, haj may still be ahead of you, and you’d rather not lean on your children.
In this letter I’ll show you how I look at both halves together, so that what you’ve built could pay you a halal monthly income while you’re here, and pass on the way you intend after.
The review is worth your 30 minutes
- even if your CPF feels locked away and hard to read,
- even if you’ve saved for years and still can’t answer “will it be enough?”,
- even if you’ve never sat with an adviser who looks at your income and your wasiat together.
So if you’re within ten years of stopping work, please read this to the end.
Please read this if
- You’ve saved for years, but you can’t say what it will pay you each month once the salary stops
- Your CPF, savings, flat and policies sit in separate places, and nobody has put them on one page
- You’d like your retirement income to be halal, and you’re not sure everything you hold today is
- Haj is still ahead of you, and you want to plan for it while you’re strong enough to go
- You’ve thought about faraid or a wasiat, but not about the years before it
If that’s you, keep reading.
What I see go wrong
- Couples who did everything right on the estate side, wasiat written and signed, with no plan at all for the monthly income.
- Families who rely on CPF LIFE alone. It pays a monthly amount for life from 65, which helps, and for some couples it covers the basics, not the life they had in mind.
- Savings left in the bank “to be safe”, while prices keep rising every year.
- CPF nominations and the way a flat is held that don’t do what the family expects when the time comes.
- Couples who leave it until 62 or 63, when there’s far less room to adjust.
I don’t want that for you.
30 minutes on Zoom. Free, and no product pitch.
A story a client once told me
A client once told me about his friend’s family. After his friend’s wife passed away, the eldest son was appointed to manage her CPF money. He got the money and decided his siblings should empathise with him and let him use most of it to pay off his debts first, then split the balance.
It caused disagreements among the siblings, and with their father too. I didn’t think this could happen among siblings, or I thought it only happened when the amount was huge. But what they were fighting over was below S$100k.
My client was motivated to do up his nomination and wasiat to stop it happening in his family. But a nomination and a wasiat only work after we die, and we don’t know when that will be.
So first we make sure your money outlasts you, and when it does, we make sure it doesn’t become a fight.
What you actually need
- One page showing what your CPF, savings, flat and policies could pay you each month
- A retirement income that stays halal, so you’re not choosing between your faith and your comfort
- Room in the plan for haj and for helping family, with the trade-offs shown before you commit
- Nominations, the flat and a wasiat lined up with faraid, so the after half is settled too
- Someone who shows you the gaps while there’s still time to close them
How the Two Halves Plan works
Map everything you have
CPF, savings, investments, policies and your flat, on one page, with the monthly income they could give you from the age you’d like to stop. For some couples, it’s the first time they see it all together.
Find the gaps in both halves
How far that income sits from what you’d like to live on, and whether what you hold is Shariah compliant. Then whether your nominations, flat and wasiat do what you intend under faraid.
Line up both halves
Options to close the income gap with halal choices, and the steps to settle the estate side with a trusted wasiat partner. You decide what, if anything, to do next, in your own time.
30 minutes on Zoom. Free, and no product pitch.
This is for you if
You’re 40 to 64, and you want your income and your estate planned in line with faraid and your values.
It isn’t for you if
You’re looking for a religious ruling (please ask an asatizah), stock tips, or a promised return. Akiff won’t offer any of those.
What clients say
“As I am approaching retirement, my biggest wish is to retire early, live comfortably and remain financially independent without having to rely on my children. Akiff took the time to understand my goals, my concerns and, most importantly, how I envision my life after retirement. … He has never once made me feel uncomfortable or embarrassed for asking too many questions.”
“Money stuff used to genuinely stress me out retirement, my kids’ education, all of it felt like a pile. Akiff was patient with my dumb questions and never made me feel behind. He laid it out in a way I could actually follow and now I’ve got a plan instead of a knot in my stomach.”
“I’ve had three different advisers try to sell me stuff over the years, so I went in guarded. Akiff was the first one who actually built out my numbers before pitching anything. He caught a gap in my insurance I’d had for a decade and didn’t know about. No pressure, just clear reasoning.”
Excerpts from client reviews on Akiff’s askmerlin.co profile.
The free 30 minute Two Halves Review
Because I’d like more Muslim families in Singapore to plan both halves, not just one, I offer a free 30 minute review. Here’s what we cover:
- Your full picture on one page: CPF, savings, investments, policies and the flat
- The monthly income it could give you, and how far that is from what you’d like to live on
- A first look at whether what you hold is Shariah compliant
- Whether your nominations, flat and wasiat do what you intend under faraid
- Where haj fits, and how to plan for it
It’s on Zoom, your spouse is welcome, and there’s no product pitch on the call. I do every review myself, about 10 a week. You leave with your whole picture on one page, and it’s yours to keep whether or not we work together.
Book my free Two Halves Review30 minutes on Zoom. Free, and no product pitch.
If any of this letter rang true, pick a time.
Wassalam,
AkiffBranch Manager, finexis advisory representativeQuestions people ask
Is it really free?
Yes. The 30 minute review costs nothing, and there’s no obligation to buy anything.
Will I be sold a policy on the call?
No. The first call is about your numbers and your wishes. If anything is worth doing, Akiff explains why, and you decide later in your own time.
Can we come as a couple?
Please do. Income and estate decisions belong to both of you.
Does Akiff give religious rulings?
No. For rulings, please ask an asatizah. Akiff helps with the planning, and works with a trusted wasiat partner on the estate side.
Do I need my documents ready?
No. Rough figures are fine. If you have your latest CPF statement, bring it.