WHY SHOULD YOU ATTEND THIS PROGRAMME

Make This Programme Unforgettable

Date : 26 & 27 September 2017

Time : 9am to 5pm

Venue : Grand Copthorne Hotel Grand Ballroom, level 4 392 Havelock Road Singapore 169663

IBF-FTS Funding Approved

Singapore Citizens aged 40 and above will be eligible for 90% co-funding of direct programme fee.

Singapore Citizens below 40 years old & Permanent Residents will be eligible for 50$ co-funding of

direct programme fee

PSMResource LLP1003 Bukit Merah Central

#043-23 INNO CentreSingapore 159836Tel: 65 62738823

Email: admin@psmresource.comWebsite: www.psmresource.com

Programme Fee: $888.00

The defining issue of the 21st century is the aging population of the world and its impact, not just on individuals, but families

Planning for the future will guide financial advisers who wants to be head and shoulders above the rest. Retirement Solutions – Secrets of the Pros offers guidance through powerful stories of success to any adviser wanting to reduce clients’ worries about the future. Curtis, Steve & Tom will provide financial advisers with the priceless skills, techniques and knowledge that they need to provide the optimal retirement strategies for their clients. They will actively engages all attendees with their personable character and genuine care for clients’ retirement needs and concerns. Through their extensive experience, they has perfected the ability to quickly and accurately identify the income needs of all their clients and developed a system-based sales approach that teaches to advisers. As financial professionals and industry veterans, Curtis, Steve & Tom believes that you have a meaningful and lasting impact on the lives of your clients. Their message of significance will enable your service professionals to have a sense of purpose in the

value financial advisers deliver to clients.

PLANNING FOR THE FUTURERetirement Solutions for Life

IBF-FTS APPROVED12 GPD HOURS

2

PLANNING FOR THE FUTURERetirement Solutions for Life

Programme26 & 27 September 2017

26th September 2017 (Tuesday)

0800 to 0900 hours Registration0900 to 0930 hours Introduction & Opening Address0930 to 1030 hours Session 1: Tom Hegna Topic Title: Don’t Worry Retire Happy! Seven Steps to Retirement Security1030 to 1100 hours Break1100 to 1200 hours Session 2: Steve Savant Topic Title: The Mortality Revolution: The Importance of Income1200 to 1330 hours Lunch1330 to 1430 hours Session 3: Curtis Cloke Topic Title: Retirement Landscape Part 11430 to 1500 hours Break1500 to 1700 hours Panel Session A: Tom, Steve & Curtis Topic Title: How to Retire the Right Way: Income Concerns1700 hours End of Day 1 (Fellowship with Speakers)

27th September 2017 (Wednesday)

0800 to 0930 hours Breakfast Session: Sanjay Tolani (Waterfront Ballroom, Level 2) Topic Title: The Next Level of Financial Planning0930 to 1000 hours Registration & Break01000 to 1100 hours Session 4: Curtis Cloke Topic Title: Retirement Landscape Part 21100 to 1200 hours Session 5: Steve Savant Topic Title: Life Insurance: Policy Review Best Practices1200 to 1330 hours Lunch1330 to 1530 hours Panel Session B: Tom, Joseph & Curtis Topic Title: Life Insurance: Important Strategies for the Accumulation and Distribution Phase of Retirement1530 to 1600 hours Break1600 to 1700 hours Session 6: Sanjay Tolani Topic Title: Estate Hedging Strategies (Smoothing the estate valuation for inter-generational transfer of values & wealth)1700 to 1800 hours Session 7: Tom Hegna Topic Title: Human Capital: Practical Uses of Life Insurance

3

Main-Platform Session

Session 1: Tom Hegna

Topic Title: Don’t Worry Retire Happy! Seven Steps to Retirement Security

Topic Synopsis: Don’t Worry, Retire Happy! With Tom Hegna is an informative and engaging presentation focused on one of America’s most pressing concerns---retirement. According to a 2014 Gallup Report most people, especially those near retirement, biggest worry is “running out of money during their retirement.” As financial advisors, we have reached a critical time planning for our clients. Retires today face market volatility, increasing life expectancy, likely increasing medical costs, and plenty of challenges with Social Security. Being prepared and creating an optimal plan for our clients is essential in today’s fluctuating retirement landscape. In the first step to retirement security, we review the importance of understanding how to create a plan with your clients. Retirement today vs 30 years ago has changed dramatically. After reviewing the major differences, in the second step we review the essential facts about optimizing your government sponsored savings program. Understanding how to maximize their benefit can be the difference in hundreds of thousands of dollars! The third step will offer up why retirees today might have to consider a hybrid retirement. With lack of preparedness for many retirees, a lot of people will continue to work part time or even full time in retirement. Working in retirement can have an effect on taxes so it is important to understand the challenges you may face. In the fourth step, Tom will review the importance of protecting your savings against inflation. Inflation can have a dramatic effect on your buying power and is crucial to take into account for your clients. Once you have taken inflation into account, in step five, Tom will review the importance of securing guaranteed lifetime income to cover at minimum your basic expenses. Tom’s flooring approach in step five discusses how to understand longevity credits, annuities and the happy factor, and understanding all of the sources of retirement income. In step 6, we review the importance of having a plan for long term care. Any plan is better than no plan. No retirement plan is complete without taking into account costs for long term care. Step seven reviews why your clients need to use their home equity wisely. There are strategies such as the capital gains tax exclusion for housing and reverse mortgages that can offer creative solutions for retirees.

Session OutlineAs a result of this program, the insurance professional will understand:• How retirement has changed for our clients in the last 30 years• Understand different scenarios for optimizing your clients government sponsored retirement program• Learn how working in retirement can have an effect on your Social Security Benefits and other retirement plans• How to cover your basic expenses with guaranteed income that will last your entire lifetime• Understand the importance of having a plan for unknown and likely increasing medical costs• How you clients can most efficiently pass wealth to heirs

Main-Platform Session

Session 2: Steve Savant

Topic Title: The Mortality Revolution: The Importance of Understanding Longevity

Topic Synopsis: Today we will be discussing the Mortality Revolution. The current state of demographics in the world is constantly changing, and financial products are adapting to those changes. As longevity increases around the world, we are seeing a seismic event where the world population is getting older. Financial advisors and clients alike need to understand the cyclical pressures that retirement plans will face moving forward. I refer to these pressures as the Mortality Revolution. Understanding the past, present, and future is important for contextual comprehension of a solid retirement plan. In this presentation, we will review the past history of life insurance and annuities, the current state of retirement planning, and the future of retirement planning moving forward.

Session Outline1) Pastime Old-Timers A) The First Annuity in History B) A Brief History Lesson C) Morbid Mortality Benefits

2) Bringing Lifestyle Credits to the Table A) Life Settlements B) Annuities with Riders C) Portfolio Considerations D) Charitable Donations E) Estate Planning F) Second to Die

3) The New Old Age: Centurions A) The Numbers B) Longevity C) Average Life Expectancy D) Advancements Affecting Longevity R) Ages & Stages F) Parsing the Smokers G) The Tale of Two Brothers H) Multi-Generational Planning

4) The Final Trek

4

Main-Platform Session

Session 3: Curtis Cloke

Topic Title: Retirement Landscape Part 1

Topic Synopsis: Gain the confidence to handle specific objections and concerns of your clients after attending this session with Curtis Cloke. Curtis will offer solutions and language that solve the problems of today’s financial landscape. Learn how to handle the concern, enhance the relationship with the client and convert it into production. Not all clients fit one mould, so it’s essential to anticipate the doubt before it happens. Do you have an objection that you are struggling with? A client that is not managing risk properly? How about a client who has already received bad advice? Join Curtis for this session to re-think the optimal solution customized for each client.

Session OutlineRetirement Landscape is Changing

1) Accumulation vs Distribution A) Ascent vs Descent B) Understanding the journey

2) Outliving their money A) Control B) Inflation C) Legacy Planning D) Mistakes of Investments

3) Major Life Stages and Retirement Effects

4) Getting to the heart of the matter

5) Divide and Conquer A) Defense - Secure income assets B) Offense - Growth income assets

6) ReFIREment

5

Main-Platform Session

Session 4: Curtis Cloke

Topic Title: Retirement Landscape Part 2

Topic Synopsis: As retirement practitioners, advisors have to equip themselves with the right tools to facilitate a proper solution that is customized for each client. The starting point for all retirees should be looking at the 3 major retirement income strategies: SWIP, Laddering, and Flooring.

Session OutlineEquipping Financial Professionals

1) 3 Major Income Strategies A) SWIP B) Laddering C) Flooring

2) Income Options in Singapore A) CPF and SRS B) Strategies for maximization C) Understanding the basics D) Escalating Payments

3) 4 Key Retirement Measurements A) Case Study i. Net Worth ii. Discretionary Liquidity iii. Reliability of Income iv. Withdrawals

4) Goals of a Financial Professional A) Math and Science B) Focus on the process

6

Main-Platform Session

Session 5: Steve Savant

Topic Title: Life Insurance: Policy Review Best Practices

Topic Synopsis: If the mental picture of your practice doesn’t fit right in the framework of your mind, you may need to reset your business model because it could be causing public confusion of who you are and what you offer to your clients. Learning the five characteristics of your brand can help you optimize your marketing efforts and help your clients with simple life insurance solutions. Whether you’re looking to make some minor adjustments in your practice or overhaul your business, this presentation will help you can map out your strategy.

Session Outline1) Understanding Current Landscape A) Current policy of clients B) Annual Review of policies C) Currents vs Future Needs D) Managing lapses and continuation of funding

2) Using Life Insurance in coordination with a overall retirement plan A) Accumulation phase uses of life insurance B) Various forms of product lines C) Medical issues D) Underwriting changes now and in the future

3) Client Process A) Capturing the right information for each client B) Ideal product, ideal company C) Exceptions to every rule

7

Main-Platform Session

Session 6: Sanjay Tolani

Topic Title: Estate Hedging Strategies (Smoothing the estate valuation for inter-generational transfer of values & wealth)

Topic Synopsis: Is estate planning only for the wealthy? We realize today this is not true. Every individual who has any assets irrespective of size needs to have an estate plan. Lack of an estate plan would result in loss of property to governments, banks or to undesired heirs in the event of death or disability. Life insurance can be one of the products to assign beneficiaries, but what about the other physical assets; such as cars, businesses, properties, collectibles? Estate planning is a process rather than a destination, review of milestones and cautious changes to the plan are essential to ensure the estate plan is relevant. This session will focus on the different strategies used by families to smooth the effects of degradation in wealth and values when executing an estate plan. It will also focus on the methodology used to take into account the inventory of an estate, cashflow and charitable offerings/commitments of the estate creator.

8

Main-Platform Session

Session 7: Tom Hegna

Topic Title: Human Capital: Practical Uses of Life Insurance

Topic Synopsis: Tom will review how life insurance is essential to all retirement plans. Life insurance is the most efficient way for your clients to transfer their wealth and create a legacy. Whether we see inflation, deflation, market success, market crash, life insurance can play a valuable part. Join Tom Hegna for a stimulating session on how the insurance industry and specifically life insurance is uniquely situated to solver the boomer retirement crisis. In this low interest rate environment, CD’s and bonds are not going to give the “alpha” necessary to provide adequate income and insurance in retirement. Stocks have been so volatile that most retirees do not want to put their money at risk. What are they to do? Utilize Retirement Alpha by having life insurance and guaranteed lifetime income from a life insurance company

Session OutlinePractical Uses of Life Insurance

1) Keys on a Keychain a) Car Insurance b) Housing Insurance c) LIFE Insurance

2) Human Capital Explained a) Survivor Income Needs b) Replacement of future income

3) Hedging Human Capital a) Guard against mortality risk b) Legacy impact is important to consider

4) Who needs insurance? a) Non-working Spouse b) Children/Grandchildren

5) Conversations to Convert a) Asking questions is key b) Valuing Human life

6) Objections to Life insurance and how to handle them a) I want term b) I have life insurance at work c) It ’s too expensive d) You have to die to win e) I won’t need insurance when I’m older

7) 9 Circles a) Tax Deferred b) Life Insurance c) Charitable Giving

8) Cash Cows Story

9

Panel Session Synopsis

Session A: Curtis Cloke, Steve Savant & Tom Hegna

Topic Title: Emerging Trends in Retirement Income

Topic Synopsis: While international markets change each day and retirees are left to ride the rough waves, retirees are commonly miss-informed about alternative options. While the accumulation of assets is vital to all retirement plan, retirees need to focus on generating guaranteed lifetime income either with those assets or in congruent to those assets. As financial advisors, it is challenging to make this paradigm shift with your clients. Each of the speakers, Tom Hegna, Curtis Cloke and Steve Savant, have intimate knowledge of current trends, product innovations, regulatory practices, income strategies and informed predictions for where retirement income is heading. Each of the panellist will share their unique perspective on why income is needed in a complete retirement portfolio and clear evidence to back it up. In addition, they will discuss where they think retirement income trends are heading towards to have an outlook on the future of the industry and products.

Session B: Curtis Cloke, Steve Savant & Tom Hegna

Topic Title: Mastering Life Insurance: Products, Perspectives and Strategies

Topic Synopsis: As a protection product for families, life insurance has impacted countless individuals and generations of families. There are no other products or investments that exist that can provide the peace of mind and security, that life insurance provides. Life insurance is a true miracle product. In this panel, Tom, Curtis and Steve will bring their educational prowess to the forefront but sharing their outlook on current life insurance products, top strategies for retirement, and unconventional ways to structure life insurance. While there are many simple ways that life insurance can help, this panel is all about optimizing the simple ways and generating creative ideas to help their client’s retirement planning in the most efficient way possible.

Breakfast Session SynopsisThe Next Level of Financial Planning (Sanjay Tolani)Synopsis: Financial Planning has changed significantly over the last 2 decades causing the way people to perceive financial products and their uses in a different light.How these products are sold is also changing. From FinTech to InsureTech and the changing role of a financial adviser.How do we handle and adapt to these changes in regulation, underwriting, marketing and positioning of a financial adviser?What are the reasons for a client to work with a financial adviser?What are the next steps to becoming a top adviser?Where is the peak of Financial Service?Does investment management play a role in becoming the next level of Financial advice?Insurance and its role in the new era financial plan.These will be the questions we will answer to building multiple top benchmarks every month... 10

Speaker’s Biography

Curtis V Cloke, CLTC, LUTCF, RICPCurtis is President and Founder of Thrive Income Distribution System and a Financial Life Planner who works with high net worth clients specializing in retirement income, cash flow enhancement and wealth transfer planning. He is an internationally known speaker, trainer and mentor in the financial services industry. As a retirement income expert, Curtis has been serving his clients around the US from his Burlington, Iowa office since 1987. Curtis’s son Joshua, joined the practice in 2008 as his partner. In 2009, Curtis

Tom Hegna, CLU, ChFC, CASLTom is an author, speaker and economist. After Retiring as a Lieutenant Colonel from the US Army, Tom embarked on a career in financial services as an advisor, manager and Senior Executive Officer of a Fortune 100 Company. Today, Tom is a highly sought-after industry speaker and author. He spoke on the Main Platform at Top of the Table in 2009 and Main Platform at the 2010 MDRT meeting in Vancouver. Most recently, his Don’t Worry, Retire Happy! with Tom Hegna Public TV show has played in

was also recognized as a top five finalists for Advisor of the Year by Senior Markets Advisor Magazine. Curtis has membership in a number of industry associations such as: NAIFA, 3-time Court of the Table and 9-time Top of the Table qualifier with MDRT, Society of FSP, Retirement Income Industry Association (RIIA) and Forum 400 (Formerly, International Forum). In 1999, Curtis founded the Thrive® Retirement Income Planning Process. This process has turned into a nationally recognized suite of tools and concepts that are designed to help financial professionals. Thrive University was added in 2012 as the educational platform and has been attended by some the highest producing retirement income and estate planning professionals in the US market. This program has become a catalyst in educating professionals such as attorneys, accountants and financial professional who want to know how to harness the power of core efficiencies that minimize tax, minimize fee-drag while providing inflation-adjusted income strategies for retirement and estate planning solutions. Curtis also serves as an Adjunct Instructor for The American College. The college utilized Curtis’s expertise as part of the educational team of experts who helped developed the curriculum and content for the new RICP® (Retirement Income Certified Professionals) designation program.

over 50 Million Homes in the US and Canada. Tom Hegna is an economist, author, and retirement expert. He has been an incredibly popular industry speaker for many years and is considered by many to be THE Retirement Income Expert! As a former First Vice President at New York Life, retired Lieutenant Colonel, and economist, Tom has delivered over 2,000 seminars on his signature “Paychecks and Playchecks” retirement approach, helping Baby Boomers and seniors retire the “optimal” way. He has condensed a large chunk of his considerable knowledge into 3 books. Paychecks and Playchecks: Retirement Solutions for Life. This has sold over 60,000 copies around the world. The top-rated Kindle version has been the #1 best-seller in its category for over 2 years. Retirement Income Masters: Secrets of the Pros. This book compiles the very best tricks of the trade from the very best retirement experts. And most recently, Don’t Worry, Retire Happy! Seven Steps to Retirement Security, which is based on his popular Public Television Special. Tom specializes in creating simple and powerful retirement solutions. He has the unique ability to pump up a crowd, make people laugh and solve complex financial problems using easy-to-understand words, ideas and stories. He’s been featured in Business, Forbes, Money Rates, and many other leading publications. He is available to speak with businesses, government organizations, professional associations, financial professionals and their clients across the globe.

11

Speaker’s Biography

Steve Savant, CLU, ChFC, CFP, CPESyndicated financial columnist Steve Savant hosts the weekly video talk show for consumers entitled, “Steve Savant’s Money, the Name of the Game” and advisers talk show, “Let’s Get Down to Business”. Steve is one of the top online authors and videographers of financial content. Steve has been cited on FOX, CBS, NBC, and ABC. During his 30-year career in the financial services industry, he has presented more than 2,000 retail seminars, wholesale workshops and carrier conventions. Steve

Sanjay Tolani, BBA(Fin), MIB, FLMI, ACS, MAFB, AFSI, CFPSanjay Tolani, became the “youngest member” at the age of 19 and the “youngest life member” at the Age of 28 to the Million Dollar Round Table (www.mdrt.org) with 11 Top of the Table Qualifications which is considered the pinnacle of the financial services profession. He also became the Youngest Managing Director of an Insurance Brokerage in the Middle East. Currently he is the CEO of Goodwill World with offices in 7 countries and an author of the International Best Seller titled “28000 – Make Every

is a contributing author to Advisers Advance, Insmark & Life Specs, all leading technologies in adviser resources. Steve is also a featured online financial columnist on producersweb.com, for producers and insurancelibrary.com, for consumers. He also appears on: insurancenewsnet.com, the Insurance Forum & NOLHA. Steve’s videos, tweets, blogs, articles and news commentaries are distributed on the following social media sites: Facebook, LinkedIn, Twitter, Google+ and YouTube. Steve Savant is the past host of the daily producer show, “Thought Leaders”, and the weekly consumer show, “Right on the Money” and weekend newscast, “On the Money News”. Steve is also the past-host of “The Business Insurance Zone”, a daily talk show for producers and “One for the Money”, a weekly talk show for consumers on AZTV. Steve has been a financial guest on KTAR, KFNN, KFYI and KFNX in Phoenix, Arizona, in addition to appearing on the nationally syndicated Business News Radio network as an insurance consultant. Steve hosted the weekly radio talk show “Mind Your Money”, sponsored by Allstate. Steve has written for industry magazines such as Insurance News Net, National Underwriter, Brokers World, Life Association News, Business People and Senior Magazine. Steve also has taught continuing education workshops at the Arizona CPA Society for CPE, as well as accredited courses for CLU®, ChFC®, CFP®. Steve’s educational prowess and entertaining style called “edutainment” is on the cutting edge of adult instruction with the newest homiletic approaches and exegetical explanations. His closing arguments are methodical and penetrate the decision-making processes of adult thinking.

Day Count” which has already been translated into 5 languages; proceeds of the book are donated to the Goodwill Charitable Foundation and the Million Dollar Round Table Foundation. Sanjay has been recognised as a world-renowned speaker who has spoken in 6 continents across many Universities and Global Conferences on Economics, Investments, Insurance, Risk Management & Sales Management. He has also been profiled on many media networks across UAE, North America, Europe, India and South East Asia. Sanjay is an advisor to Family Offices and works with Ultra High Net worth Families in 53 countries on estate planning as well as legacy construction. He has completed 2 Under Graduate and 3 Post Graduate Degrees in Finance, Banking, Risk Management & Insurance along with many professional certificates. He is currently doing his PhD in Finance from the University of Dubai under the Dubai Chamber. Sanjay has also been appointed as a mentor to Young Entrepreneurs Program under the Dubai SME (A Dubai Government initiative) An entrepreneur, An author, A philosopher, A student, A philanthropist, An advisor, A mentor, A father, A son and A brother.. Sanjay wears many hats. 12

13

IBF-FTS Grant-Claim Procedure

What is the Financial Training Scheme? (FTS)The Financial Training Scheme (“FTS”) provides funding for financial sector-specific training programmes which are recognized under FTS.

Funding QuantumThe FTS provides 50% funding for direct training costs subject to cap of S$2,000 per participant per programme. Direct training cost would be based on the programme fee charged by the external training provider or apportioned basic salaries of internal staff involved in developing and/ or delivering in-house programmes. For all FTS programmes commencing on or after 1 July 2016, Singapore Citizens aged 40 years old and above will be eligible for 90% co-funding of direct training costs, subject to existing grant caps of S$2,000 per programme. Singapore Permanent Residents will continue to be eligible for 50% co-funding of direct training costs for FTS programmes. Qualifying expenses include training costs incurred for both executive and non-executive staff as well as staff employed on a short-term basis (less than one year, inclusive of contract staff and interns). Apportioned basic salaries of full time in-house trainers involved in developing and/or delivering in-house programmes will also be eligible for support.

Eligible ParticipantsThis scheme is only eligible for company-sponsored participants who are Singapore Citizens or Singapore Permanent Residents, physically based in Singapore, and who have successfully completed a FTS programme. Financial Institutions (MAS licensed or exempt entities), involved in or supporting financial sector activities, are eligible to submit claims for company-sponsored participants.Please refer to the Information Note below for further details on funding and eligibility criteria.

Information Note for Training Incentives (FTS)The Financial Training Scheme (“FTS”) are training incentive schemes supported by the Financial Sector Development Fund (“FSDF”) targeted at promoting financial sector training. The FTS supports recognised programmes that are financial sector-specific.IBF is the Funding Administrator for both the Financial Training Scheme (“FTS”)

Eligible ParticipantsNon Company-Sponsored TrackNon Company-Sponsored participants are required to be Singapore Citizens or Singapore Permanent Residents physically based in Singapore.

Company-Sponsored TrackCompany-Sponsored participants are required to be staff of Singapore-based financial sector entities being sponsored for the programmes. Financial sector entities would refer to Financial Institutions, entities regulated by MAS (either licensed or exempted from licensing). Entities that are significantly involved in supporting financial sector activities will be assessed for eligibility on a case-by-case basis.To be eligible for funding, sponsored staff should be:• Singapore Citizens or Permanent Residents physically based in Singapore;• Of executive level3 and involved in or supporting financial sector activities; and• Permanent or contract (≥ 1 year) staff4, engaged on a full or part-time basis.Executives refer to professional and managerial staff. Staff performing clerical, secretarial and other similar functions are deemed to be non-executive staff.Licensed agents or representatives (i.e. financial advisors, traders, insurance agents, remisiers) representing a legal principal entity may be included in the claims of the principal entity.

14

Refer to the IBF Programme Finder for eligible external programmes and Approval email from IBF for eligible in-house programmes.To qualify for FTS funding, trainees must successfully complete the training programme (including passing all relevant assessments and examinations). Staff who attend a programme in the capacity of an instructor or facilitator, e.g. presenter / speaker / panelist are not eligible for FTS funding.

Claims SubmissionIBF PortalIBF had introduced a new IBF Portal with effect from November 2014. The IBF Portal aims to be a one-stop resource, to coordinate and plan for the financial sector ’s learning and development needs. The IBF Portal allows for more streamlined processing of funding claims and better administration of training subsidies with faster turnaround for claims processing.All Claim Applicants will be required to create a new IBF Portal Log-in in order to avail themselves of the self-help features on the IBF Portal. Application for IBF Portal Log-in will require Management Representatives to be appointed to manage the IBF Portal as well as verification of the authenticity of the organisation and key persons. Please click here to apply for your Log-In.

Company-Sponsored TrackClaims for Company-Sponsored participants of IBF-STS or FTS programmes shall be submitted by the sponsoring Singapore-based financial sector entity via the IBF Portal.Claims for IBF-STS or FTS programmes commencing from 1 January 2014 are to be compiled and submitted according to two half-yearly claim cycles, within three calendar months from the end of each qualifying period:I. Claim Cycle 1: 1st July – 30th September – For programmes completed9 from January to June of the same calendar year; andII. Claim Cycle 2: 1st January – 31st March – For programmes completed from July to December of the previous year.Claimants are required to populate the FI – Doc [A] Funding Claims Worksheet which include the following fields:• Trainee Name;• Trainee NRIC;• Singaporean Citizen/Permanent Resident;• Programme Name;• Training Provider Name;• Programme Period (Start Date and End Date);• Programme Completion Date;• Type of Scheme; and• Direct in-house cost or fee charged by external training provider per trainee for in-house developed programmes; or Total Programme Fee for external training programmes.All claims should be accompanied by the following supporting documents:

Total Claim Amount for the Relevant Submission Cycle

S$100,000 and above

Less than S$100,000

Required Supporting Document(s)

I. External Audit Certification; andII. Signed Management Declaration Form

I. External Audit Certification; orII. Internal Audit / Compliance Certification; orIII. Proof of successful completion of programme, Proof of payment,

15

If total claim amount for the relevant submission cycle is S$100,000 and above, claimants are required to engage an External Auditor to certify the claims using the FI – Doc [D] External Audit Certificate template.If total claim amount for the relevant submission cycle is less than S$100,000, claimants can either engage an External Auditor or their Internal Audit/Compliance Department to certify the claims using the FI – Doc [C] Internal Audit Certificate template.Only individuals with managerial oversight and performing the independent role of Internal Audit or Compliance can sign off on the Internal Audit/Compliance Certification. General Management or individuals in the Finance function or taking a double role in Compliance and Finance/ General Management are not authorised to sign off on the Internal Audit/Compliance Certification.Claimant is required to provide proof of successful completion of training programme and proof of payment if authorised signatory on Internal Audit/Compliance Certification also has a record in the Funding Claims Worksheet.The terms of reference for auditors is set out in Annex A for reference.Alternatively, claimants that do not have an Internal Audit/Compliance Department may upload all supporting documents which include proof of successful completion of training programmes (e.g. attendance lists, certificates of completion, result slips) and proof of payment10 (e.g. invoices, receipts printed on the training provider ’s letterhead) for individual trainees.Claims for expenses paid in a foreign currency other than SGD should be supported by an exchange rate documentation, which can be in the form of a credit card statement, company finance statement or exchange rate conversion sheet for which the date (or month) of conversion matches the invoice date (or month).Claimants are required to upload the FI – Doc [B] In-house Developed Programmes Form for in-house developed programmes in-lieu of invoices. In cases where a training programme is attended by both eligible and ineligible trainees, programme fees/costs should be apportioned and be claimed for eligible trainees only. All claims without proper proof of payment or with unclear/faded proof of payment are to be excluded from the application. Claimants should also ensure that there are strictly no duplication of invoices/receipts submitted within the same claim and/or across different claims.Claimants are also required to upload the FI – Doc [E] Management Declaration Form which has been completed and signed off by a member of management with a designation of Department Head or above before sending the original hardcopy of the signed form to the IBF. The authorised signatory for the Internal Audit/Compliance Certification are not allowed to sign off on the Management Declaration Form.Claimants are required to similarly provide proof of successful completion of training programme and proof of payment if the Management Declaration Form’s authorised signatory training record has been included for the claims submission.Processing of the claims will only commence upon receipt of the online claim submission, the original hardcopy of the Management Declaration Form and the hardcopy of the relevant audit certification.Company claimants will be reimbursed via direct credit to an authorised bank account.

ContactFor further clarifications on claims, please contact the IBF at funding@ibf.org.sg.

Exchange Rate Documentation (for payment in foreign currencies), Declaration Form for In-house Developed Programmes and any other documents necessary to support the claims made andIV. Signed Management Declaration Form

REGISTRATION I, _______________________ wish to register for the “PLANNING FOR THE FUTURE - Retirement Solutions for Life Programme”

Please enclose cheque payment of $888.00 per person payable to ‘PSMResource LLP’

Amount: _______________ Bank: ________________________ Cheque No: _____________

Name: ________________________________ Designation: _____________________________

Company: ________________________________________________________________________

Address: ____________________________________________________ Postal Code: _________

Tel: _____________ Mobile: ____________ Email: ________________________________

GROUP REGISTRATION

SN NAME DESIGNATION MOBILE EMAIL

1

2

3

4

5

Note:

This Workshop is approved and eligible for IBF FTS Funding (Company Claim ONLY)

Link to IBF FTS Funding website: https://www.ibf.org.sg/programmes/Pages/ProgrammeFinder Lunch & Handouts will be provided

Recommended 12 CPD Hours Please mail Cheque payment to: PSMResource LLP 1003 Bukit Merah Central #04-23 INNO Centre Singapore 159836 Tel: (65) 62738823 Email: admin@psmresource.com Website: www.psmresource.com

PLANNING FOR THE FUTURE - Retirement Solutions for Life

Date: 26th & 27th September 2017 Time: 0900 to 1700 hrs

Venue: Grand Copthorne Waterfront Hotel, Grand Ballroom, level 4, 392 Havelock Road, Singapore 169663

REGISTRATION CLOSING DATE 15/09/2017

Qualify for IBF FTS Funding

90% for Age 40 years & Above 50% for Below Age 40 year