Akiff Asyraf
Branch Manager, finexis advisory representative
Your assets aren’t a payslip.
CPF, savings and your flat each pay out differently. A short check shows where you stand, then Akiff maps how it could become one monthly income.
Start my retirement checkTakes about 2 minutes. Free, and no product pitch.
Akiff runs about 10 of these reviews a week, himself.
The free 30 minute Retirement Review
A pile of savings isn’t a payslip. A plan is what turns one into the other.
You’ve done the hard part. The next part nobody explains.
Years of work, CPF growing in the background, maybe a flat you’re paying down. But a balance doesn’t tell you what you can spend each month.
CPF LIFE starts at 65. Cash sits in the bank. The flat can’t be spent in slices. Many people at this stage either spend too fast, or worry so much about running out that they barely spend at all.
70% of people in Singapore worry about affording care in later life.
Manulife Asia Care Survey 2026
What the check and the review show you
- Which of your money is meant to pay which years, and the gap that appears when nobody has decided
- Why “leave it in the bank to be safe” can quietly cost you more than you’d expect
- What CPF LIFE covers from 65, and what it was never designed to cover
- How long your money could last at the pace you’d like to spend it, with the working shown
- The three questions worth settling before your last payslip, not after
- Plus: how to plan for care costs before they become your children’s question
Three short steps
Tell us where to send your result
Your name, mobile and email. Ten seconds.
Answer five quick questions
Tap an answer, no typing. About a minute.
See your result and pick a time
If a review makes sense for you, choose a slot that suits you.
The free 30 minute Retirement Review
Akiff looks at what you’ve built so far, how long it could last, and the options that could help it last longer.
- 30 minutes on Zoom, at a time that suits you
- No product pitch on this call
- Your spouse is welcome to join
- No obligation, whatever you decide
This is for you if
You’re 40 to 64, thinking about how your money will pay you once work stops, and want a plan rather than a product tip.
It isn’t for you if
You’re looking for stock tips or a promised return. Akiff won’t offer either.
About Akiff
Akiff has been a financial adviser representative for 5 years: 3 at IAM Advisory, then 2 at finexis. He builds the numbers before anyone talks about products, ties every recommendation back to a goal you’ve told him, and offers every client a yearly review. You leave the first call with your whole picture on one page, and it’s yours to keep whether or not you work together.
- TitleBranch Manager, finexis
- Experience5 years as a financial adviser representative
- ReviewsAbout 10 a week, all his own
- After you startA yearly review, offered to every client
- RecognitionMDRT 2023
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.
Questions people ask
Is it really free?
Yes. The check and the 30 minute review cost 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. If anything is worth doing, Akiff explains why, and you decide later in your own time.
Do I need my documents ready?
No. Rough figures are fine. If you have your latest CPF statement, bring it.
Can my spouse join?
Please do. Most of these decisions are made together.
What happens to my answers?
They’re used only to prepare your result and your review, and they stay private. You can ask us to delete them at any time.
See where you stand in about 2 minutes.
Five quick questions, then your result. Free, and no product pitch.
Start my retirement check