This module establishes participants’ understanding of the affluent banking landscape, covering the paradigm shift client advisors experience when transitioning from retail to affluent banking. Participants will master client profiling techniques, regulatory compliance requirements including AML/KYC/EDD, and develop sophisticated account management strategies. The module emphasises building growth mindsets and understanding the unique characteristics, needs, and behaviours of affluent client segments across different cultural and generational contexts necessary to engage HNW clients.

Learning Outcomes

By the end of this module, participants will be able to

• Identify and understand the evolving landscape of the affluent banking segment and its implications for client service and business growth. 
• Demonstrate knowledge of the regulatory environment and apply key compliance principles in the context of affluent banking. 
• Recognise and describe the key characteristics, expectations, and behaviours of affluent banking clients. 
• Develop effective account management strategies tailored to the unique needs of affluent clientele.

Total Training Duration / CPD Hours: 8

Core FAA CPD: 3

Core SFA CPD: 3

Classroom Hours: 8

Focused on comprehensive financial needs analysis, this module equips participants with advanced skills in client profiling, asset-liability analysis, and holistic financial planning. Participants learn to conduct thorough cash flow assessments, evaluate protection and retirement needs, and develop tailored insurance and investment solutions. The module emphasises the wealth advisory process and principles of risk management, ensuring participants can deliver sophisticated financial planning services that align with affluent clients’ complex financial situations. 

Learning Outcomes

By the end of this module, participants will be able to

• Conduct comprehensive financial profiling of affluent clients by analysing assets/liabilities, cash flow patterns, investment experience, and lifestyle factors to understand their complete financial picture. 
• Develop customised protection and retirement plans by assessing insurance coverage adequacy, applying time value of money concepts, and evaluating appropriate solutions (endowments, annuities, CPF/SRS strategies). 
• Construct strategic wealth preservation plans through proper estate planning tools (wills/trusts), education savings vehicles, and tax-efficient legacy solutions tailored to family dynamics. 
• Design and optimise investment portfolios by applying modern portfolio theory, calculating risk-adjusted returns (alpha/beta), and implementing tactical asset allocation strategies aligned with client risk tolerance.

Total Training Duration / CPD Hours: 8

Core FAA CPD: 4.5

Core SFA CPD: 4.5

Classroom Hours: 8

This module develops participants’ expertise in investment strategy and portfolio management for affluent clients. The course covers tactical portfolio construction, fundamental and macroeconomic analysis, and comprehensive understanding of various asset classes including equities, bonds, alternative investments, and structured products. Participants will gain proficiency in risk-return analysis, portfolio theory, and performance measurement, enabling them to provide sophisticated investment advisory services and construct optimised portfolios aligned with client objectives.  

Learning Outcomes

By the end of this module, participants will be able to

• Evaluate and select appropriate investment strategies by analysing value growth versus income approaches in relation to client objectives and market conditions. 
• Analyse key financial instruments including equities, bonds, and structured products using fundamental metrics (P/E ratio, YTM) and technical indicators (support/resistance levels). 
• Construct diversified investment portfolios by incorporating traditional assets, alternative investments, and derivatives while assessing risk-return characteristics. 
• Assess client suitability by applying macroeconomic insights, market trend analysis, and product knowledge to recommend tailored investment solutions.

Total Training Duration / CPD Hours: 8

Core FAA CPD: 6

Core SFA CPD: 6

Classroom Hours: 8

The capstone module focuses on relationship excellence and strategic client engagement throughout the affluent client journey. Participants develop advanced communication skills, personal branding techniques, and relationship management strategies. The module covers pre-meeting preparation, effective client onboarding, portfolio review processes, and leveraging technology for enhanced client service. Emphasis is placed on building trust, managing client expectations, and delivering exceptional service experiences that drive long-term client satisfaction and business growth.

Learning Outcomes

By the end of this module, participants will be able to

• Develop and demonstrate professional personal branding by enhancing communication skills, emotional intelligence, and cross-cultural awareness to effectively articulate value propositions to affluent clients. 
• Execute strategic pre-engagement planning through comprehensive client research and customised meeting preparation to establish clear objectives and tailored approaches.
• Implement an effective client onboarding process that builds trust through structured first engagements, needs analysis, and family mapping while securing commitment to ongoing relationship models. 
• Cultivate long-term affluent client relationships by delivering personalised, multi-generational engagement through regular portfolio reviews, lifestyle-based interactions, and milestone celebrations.

Total Training Duration / CPD Hours: 8

Core FAA CPD: 4

Core SFA CPD: 4

Classroom Hours: 8