🕊️ Retirement Planning
Live Free. Retire Early. Plan With W.A.T.E.R.
Retirement isn’t just a finish line — it’s a lifestyle you deserve to enjoy on your own terms, earlier than you think.
At David & Audrie Properties, we specialise in helping homeowners and aspiring investors plan for retirement using our proven W.A.T.E.R Concept — a property-based strategy that turns your real estate assets into a retirement engine.
💧 What is the W.A.T.E.R Concept?
W.A.T.E.R stands for Wealth Accumulation Towards Early Retirement.
It’s a structured property planning strategy we’ve developed to help individuals and families build up sustainable wealth and passive income — not by working harder, but by planning smarter.
We’ve applied the W.A.T.E.R Concept to help over 50 couples and individuals move significantly closer to their retirement goals, by optimising the way they use, hold, and grow their property assets.
🧭 What Happens in Retirement Planning?
Your Retirement Planning Session is a focused consultation where we:
✅ Assess Your Current Financial Position
We look at your CPF balances, property equity, mortgage structure, and total debt servicing ratio (TDSR/MSR) to understand your real position — not just on paper, but in potential.
✅ Calculate Retirement Gaps
We help you determine how much you need for the lifestyle you want, and identify any shortfall between your future needs and current trajectory.
✅ Model Property-Backed Solutions
Whether it's right-sizing, asset progression, or restructuring your portfolio, we’ll build a roadmap using property as your primary wealth vehicle — supported by actual case studies and numbers.
✅ Optimise for Cash Flow and Exit
Retirement isn’t just about getting there — it’s about staying there. We'll show you how to generate sustainable cash flowthrough rental income, reduce liabilities, and plan exit strategies that support longevity and legacy.
✅ Timeline Your Early Retirement
We’ll map out the milestones needed for you to retire earlier than traditional norms — possibly as early as 45 or 55 — based on your profile.
💬 Client Story
🗣️“David & Audrie helped us understand how our property could actually work for us. We always assumed retirement was decades away — but after following their W.A.T.E.R roadmap, we’re now planning to retire 10 years earlier than we thought.”
– Sharon & Andy, Age 44 & 47, Executive Professionals
💎 Why Retirement Planning is Different With Us
While others talk about waiting for retirement, we help you work towards it proactively through property as a wealth asset, not a liability.
We combine hard data, holistic planning, and deep market knowledge with a simple, clear approach — no jargon, no pressure.
🔔 Ready to Retire Earlier — and Better?
📅 Schedule your 1-to-1 Retirement Planning Session with us today.
Let us help you map out your retirement journey using the W.A.T.E.R Concept — the earlier you start, the stronger your flow.