Three years ago, we started Havend with one conviction: that insurance advice should be free from sales conflict and clients deserve a better experience. Today, on Havend’s third birthday, we mark this milestone with something we have spent the past year building, refining, and believing in — RetireSURE, our retirement planning service. Let me start with a question I get asked a lot. “I have CPF LIFE. Isn’t that enough?” CPF LIFE is genuinely excellent. It is government-backed, it pays for life, and for most Singaporeans, maximising it should absolutely be part of the plan. I recommend it. We build around it. But here’s the honest answer: CPF LIFE alone is a foundation.It is not the whole house. It carries policy risk (scheme terms can change). Your money is locked away with no liquidity. And if it becomes your only source of retirement income, you are overconcentrated in a single scheme. That’s not a comfortable position, regardless of how solid the foundation is....