Build financial plans with your clients.

Your client sends a share link from their own account. Accepting it opens a seat at the level they set on the access dial (view, plan or full). You can't add yourself to a plan. Access always starts with the client.

View shows the whole plan and still lets you model live. It's a scratch pad, and nothing you try is saved. Plan lets you edit the plan itself (goals, scenarios, assumptions), not their day-to-day money records. Full adds those records too. At every level, what you can't do is hidden, and what you can't see is explained, never faked.

Nothing breaks silently. Your next save is refused with a plain explanation of what changed. The client can narrow or revoke your seat any time; the worst you get is a clear message.

Yes. The what-if sandbox compares a scenario against the baseline with a ghost overlay, and everything in it is safe to explore and discard. On a view seat the entire plan is a live scratch pad. Committing a change to the plan of record always stays with the client.

When you commit a replan with a client, you can attach a note that both of you can always see. Over time it becomes an audit trail of advice moments: what was decided, when, and why.

Save any client plan as a reusable template. Names and personal details are stripped automatically; the scenario numbers are kept. Templates are private to you, and a new client can start from one in seconds.

Every household is isolated at the database level with row-level security, enforced server-side, not just in the interface. Removing an advisor removes their access; it never deletes the client's data. We never share or sell client information.

Sign up at app.perfingo.com, declare your firm's name and MAS Representative Number, and confirm you're a licensed financial advisor representative. Your free 14-day advisor trial starts the moment you submit the declaration. Cancel before day 14 and you won't be charged. You land straight in your client list. Stop halfway and you pick up at the declaration next time you sign in. Already using Perfingo yourself? Open the same link signed in and you'll go straight to the declaration. No new account, no signing out, your plan stays yours.

14 days of the full advisor product, free, once per account. Cancel before day 14 and you won't be charged. It starts when you submit the declaration, not when you create the account. When it ends, your client list waits behind a subscription; nothing is deleted. It doesn't include the 6 free months for clients, which need a paying subscription.

One advisor seat costs S$600/year or S$100/month, with unlimited clients, prospects and all practice tools. Yearly costs half as much over twelve months, so most advisors take it. Once you're paying, each client you plan with gets 6 months free, then a linked rate of S$9/month or S$72/year instead of the standard S$12/month. The advisor seat is separate from the individual plan.

Only if you want to. You can start the free 14-day advisor trial directly and evaluate the product on real practice work. That said, planning your own money first is still the most honest way to feel what your clients will feel. The individual plan (S$12/month) has its own 14-day trial, and it's the same engine either way; you can become an advisor later through the same sign-up link, keeping your own plan.