Three Programmes.
One Considered Approach.
Each Karendel programme is structured around pre-distributed reading material, small-cohort discussion, and tangible materials participants keep. All are educational in scope — no advice is offered in any programme.
Return HomeHow Every Karendel Programme Works
Every Karendel programme follows the same underlying structure. A reading binder is prepared and distributed to each participant at least one week before the first session. The binder contains all the material that will be discussed across the full programme — divided into chapters that correspond to individual sessions.
Participants are expected to read the relevant chapter before each session. The session itself is not a lecture on that material but a structured discussion: the facilitator works through the chapter with the group, drawing out observations, clarifying terminology, and ensuring that quieter participants have space to contribute.
At the close of the programme, participants have a reading binder they have worked through, a glossary of relevant Singapore terminology, and a discussion notebook that records the questions and observations they found most useful. These materials are theirs to keep.
Enrolment confirmed
Place allocated; payment processed; session dates confirmed in writing.
Materials dispatched
Clothbound reading binder, glossary cards, and discussion notebook sent at least one week before Session 1.
Reading before each session
Participants read the chapter assigned to the upcoming session at their own pace, at home.
Facilitated discussion
The session covers the chapter through structured group discussion at Raffles Place.
Close and feedback
After the final session, a written feedback form is distributed. Responses inform the next cohort cycle.
Estate Planning Reading Programme
A ten-session evening reading programme that introduces participants to the vocabulary and frameworks around estate planning in Singapore — wills, LPA documents, advance care arrangements, CPF nomination, and the standard documentation used by qualified professionals. The programme is reading-led: each session covers a chapter of pre-distributed material with discussion in small groups of twelve. Suitable for adults aged 45 and above. Educational in nature; not advisory.
- Wills — structure, key clauses, Singapore requirements
- Lasting Power of Attorney — types, certification, OPG process
- CPF nomination — how nominations work, interaction with wills
- Advance Medical Directives — scope and limitations
- Probate vocabulary — the process, the roles, the timeline
Pre-Retirement Reading Workshop
A weekend reading workshop for adults aged 50 to 60 on the language of pre-retirement household planning in Singapore — household cashflow reshaping, CPF Life payout structure, the SRS framework, drawdown vocabulary, and household conversations. The workshop is reading-led; participants work through a structured reader across the two days. Educational and reflective in nature; no advice is offered. Includes a clothbound workbook, a household reference card, and access to a small follow-up reflection circle.
- CPF Life — payout options, deferral, nomination
- SRS framework — contribution, drawdown, tax interaction
- Household cashflow vocabulary — terminology for planning conversations
- Drawdown sequencing — reading the standard approaches
- Post-programme reflection circle access
Household Money Reading Circle
A four-session reading circle on the language and frameworks of household financial conversations — partner conversations, multi-generational coordination, and the standard rhythms of household money meetings. The circle is reading-led; sessions consist of guided discussion of pre-distributed material. Cohort size of ten. Educational in scope; no advice is offered. Includes a printed reading binder, conversation cards, and a peer discussion notebook.
- Partner conversations — vocabulary and frameworks
- Multi-generational coordination — reading the standard approaches
- Household money meeting rhythms — structures and schedules
- Conversation cards for use at home between sessions
- Peer discussion notebook included
Which Programme Is Right for You?
Use this table to understand the differences. If still unsure, write to us — we are happy to advise on which programme may be most relevant to your circumstances before you commit.
| Estate Planning | Pre-Retirement | Money Circle | |
|---|---|---|---|
| Fee | S$870 | S$300 | S$165 |
| Duration | 10 evenings | 1 weekend | 4 sessions |
| Best for | Adults 45+ thinking about wills & LPA | Adults 50–60 approaching retirement | Adults wanting household money vocabulary |
| Clothbound binder | |||
| Glossary cards | Conversation cards | ||
| Reflection circle | — | — | |
| Cohort max | 12 | 12 | 10 |
Professional Standards Across All Programmes
Data Protection (PDPA)
All participant data handled in accordance with the Singapore Personal Data Protection Act. Enrolment details used solely for programme administration.
Material Accuracy Review
All reading binders reviewed against current Singapore legislation and CPF Board publications before each cohort cycle commences.
Educational Scope Declaration
All materials clearly state that programme content is educational and that participants should seek qualified professional advice for personal decisions.
Post-Cohort Feedback
Written feedback collected after each programme. Responses are reviewed and inform the next material revision cycle.
Cohort Limits Enforced
Cohort maximums are observed without exception. Places are allocated in the order enquiries are received and confirmed.
Permanent Premises
All sessions held at Raffles Place, Clifford Centre. No rotating venues; participants know exactly where to attend.
All-Inclusive Pricing
All fees include reading materials. No additional charges apply.
S$165
per participant, all-inclusive
- 4 facilitated sessions
- Printed reading binder
- Conversation cards
- Discussion notebook
S$300
per participant, all-inclusive
- Full weekend (2 days)
- Clothbound workbook
- Household reference card
- Reflection circle access
S$870
per participant, all-inclusive
- 10 evening sessions
- Clothbound reading binder
- Weekly glossary cards
- Discussion notebook
Reserve a Place in the Reading Catalogue
All three programmes run in small cohorts on a rolling schedule. We are happy to discuss which programme may be most relevant before you commit to enrolment.
Send an Enquiry