Why Is Your Financial Plan Still Built Around This Version of You?

Most financial plans are built around who you are today.

📍Your income
📍Your energy
📍Your ambition
📍Your willingness to keep pushing

But here’s a quiet truth:

You won’t be this version of yourself in 10 years.

And if your strategy is still built around the present “you”...

It’s likely going to fail the future “you.”

So, Who Is That Future Version?

I ask my clients this often:

❓Will you still want to run a business at 60?
❓Will you still want to grind for deals when your energy shifts?
❓Will you still want to manage staff, market swings, or client emotions?

Most say no.

They don’t want to stop working—they just want to stop depending on it.

That’s not retirement.
That’s evolution.

💡 Financial Planning for a Future Self

What That Looks Like Practically:

Here’s how I help clients design for the “next them”:

1. Build an Income Layer That Doesn’t Require You

If future-you wants to pause—does money still arrive?

That’s why we create:
• CPF strategies that compound now
• SRS plans that lower tax and pay out later
• Private income solutions that don’t vanish when you do

2. Shift from Accumulation to Allocation

Accumulation is about building.
Allocation is about control.

Smart planning is when we start directing wealth to:
• Pay you monthly
• Fund lifestyle transitions
• Buy back flexibility

The goal isn’t just “more money.”
It’s more useable money—when you want it most.

3. Rehearse for the Version of You Who Might Want Less

This is one of the most underrated exercises:

Ask yourself, “What if I just wanted enough—not more?”

What would that number be?
What would need to be in place to maintain it effortlessly?

Then build that plan first.
You can always scale later. But freedom comes from knowing when not to.

Final Thought

We plan our business like it will evolve.
We plan our lifestyle like it will upgrade.

So why do we plan our finances like we’ll never change?

The future version of you deserves more than the leftovers of today’s plan.

Start building for the version of you who wants clarity, control, consistency and fewer compromises

That’s real strategy.

Jeremy Goh | Retirement Expert, SG Retirement Advisor, and Wealth Advisor.
🌐 https://www.yourretirementspecialist.com/home