OUR PROGRAMMES
Three Structured Programmes.
One Guiding Principle.
Each programme addresses a distinct financial circumstance — with the same commitment to clarity, independence, and practical outcomes.
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How Opulentra's Programmes Work
◆Opulentra's programmes are structured engagements — not open-ended advisory relationships. Each has a defined duration, a clear set of sessions, and a specific deliverable that clients take away at the end. This structure keeps both parties accountable and ensures progress is measurable.
Sessions are prepared in advance by the advisor, who reviews any materials or information the client has shared beforehand. Clients are encouraged to bring real numbers and real questions — the more specific the input, the more useful the output.
All programmes operate under strict confidentiality. The information you share in sessions is used solely to inform the programme content and is not shared with any third party.
PROGRAMME 01
Debt-Free Living Framework
A six-week structured programme for individuals carrying consumer debt who want a realistic, achievable path toward reducing and eventually eliminating outstanding obligations. The programme recognises that debt accumulation often stems from life circumstances rather than character flaws — and the tone throughout reflects this.
Covers debt prioritisation strategies — including the avalanche and snowball methods — along with negotiation basics for interest rate adjustments, balance transfer evaluation, and the psychological dimensions of managing debt over time.
DURATION
6 Weeks
PROGRAMME FEE
SGD 280
- Four structured sessions
- Personalised debt reduction timeline
- Interest negotiation guidance
- Balance transfer evaluation
- 90-day follow-up check-in
PROGRAMME PROCESS
Intake Review
Review of current debt positions, interest rates, and income picture.
Strategy Session
Determining the most suitable repayment approach for the individual's situation.
Timeline Build
Building a personalised, milestone-marked debt reduction timeline.
90-Day Review
Follow-up check-in to review progress and adjust where needed.
PROGRAMME 02
Robo-Advisory & Digital Investing
An educational programme for individuals curious about digital investment platforms and automated portfolio management. Participants learn how robo-advisors work, compare the fee structures and investment approaches of platforms available in Singapore, and understand the role of algorithms in portfolio rebalancing.
The programme also explores hybrid approaches that combine digital tools with human advisory — useful for those who want automation without giving up entirely on professional guidance. Delivered in a neutral, informational tone without endorsing any specific platform.
DURATION
3 Weeks
PROGRAMME FEE
SGD 310
- Two in-depth sessions
- Singapore platform comparison chart
- Decision-making evaluation checklist
- Algorithmic rebalancing explained
- Hybrid advisory evaluation guide
PROGRAMME PROCESS
Foundations Session
Understanding how robo-advisors function, fee models, and what automated rebalancing involves.
Platform Comparison
Side-by-side evaluation of Singapore's available platforms using the comparison chart.
Decision Framework
Client completes the personalised checklist to determine whether digital investing suits their situation.
PROGRAMME 03
High-Net-Worth Financial Integration
A bespoke advisory engagement for individuals and families with substantial assets seeking to integrate their financial affairs into a cohesive, coordinated structure. The approach is discreet, methodical, and deeply personalised — designed for situations where complexity demands coordination rather than isolated decisions.
Addresses multi-asset portfolio coordination, philanthropic planning, family governance frameworks, cross-generational wealth transfer, and private banking relationship evaluation. Each engagement is tailored to the family's unique dynamics and asset composition.
DURATION
16 Weeks
PROGRAMME FEE
SGD 1,350
- Eight advisory sessions over four months
- Comprehensive integration strategy document
- Multi-asset portfolio coordination
- Cross-generational wealth transfer guidance
- Ongoing quarterly review access
PROGRAMME COMPARISON
Which Programme Suits Your Situation?
◆| FEATURE | DEBT FRAMEWORK | DIGITAL INVESTING | HNW INTEGRATION |
|---|---|---|---|
| Best suited for | Consumer debt holders | Digital platform explorers | Multi-asset families |
| Duration | 6 weeks | 3 weeks | 16 weeks |
| Programme fee | SGD 280 | SGD 310 | SGD 1,350 |
| Sessions included | 4 sessions | 2 sessions | 8 sessions |
| Key deliverable | Debt reduction timeline | Platform comparison + checklist | Integration strategy doc |
| Follow-up access | 90-day check-in | Quarterly reviews | |
| Bespoke scope | Fully bespoke |
SHARED STANDARDS
Across Every Programme
◆Strict Confidentiality
All information shared during programmes is handled with full discretion under PDPA guidelines.
Prepared Sessions
Each session is planned in advance with materials provided to clients beforehand where applicable.
Clear Scope Agreement
Engagement terms are discussed and agreed at the outset. No unexpected additions or scope creep.
Singapore Context
All content is framed around Singapore's regulatory and financial environment — CPF, MAS guidelines, local platforms.
Written Deliverables
Every programme results in a document clients can reference and act on after the engagement concludes.
Feedback Loop
Post-programme feedback is collected and reviewed to continually improve session quality and relevance.
NOT SURE WHICH PROGRAMME?
A Short Conversation Helps
Describe your situation briefly and we will recommend the most appropriate programme — or suggest an alternative if none of the three are a close fit.
Start with a Conversation