Life stages
Choose by life stage
Five age bands (0–5 / 6–24 / 25–54 / 55–64 / 65+) plus six scenarios: priorities, what not to buy, ten meeting questions—self-check tone, no sales pitch.
Age bands & scenarios
0–5 / 6–24 / 25–54 / 55–64 / 65+: priorities, avoid-list, ten asks
Mortgage + kids + income gap: protection before savings
Allocation and legacy questions—no yield rankings
Medical cashflow, longevity risk, existing-policy review
Priorities when dependant duty is lighter
HK signing, currency, beneficiaries, two-market complementarity
Don’t rush surrender—review tables before “replace now”
Six situations: direct answers, category priority, questions
Scenario cluster
- Age band or scenario first?
- Clear situation → scenario; age-only scan → age bands. Both should end as one purpose sentence plus ten meeting questions.
- Peers buy savings—should I?
- No. Confirm emergency cash and core protection first; savings fit idle money with 10y+ horizon and clear goals. Peer behaviour is not suitability.