| Event Profile | |
| Class/ Online | Classroom |
| Date | 12 June 2026 |
| Time | 9am to 5pm |
| Venue | Holiday Inn Atrium Singapore (Halal Certified) 317 Outram Road Singapore 169075 |
| Fee | 9% GST will apply SGD 520.003 & above: SGD500.00 each For Member SGD 494 3 & above: SGD475 each |
| Note | Two tea breaks and buffet lunch will be served. Limited complimentary car parking coupons are available upon request. |
| Other Date(s) | 1) 13 Mar 2026 2) 11 Sep 2026 3) 4 Dec 2026 |
| Trainer | |
| Activity | |
| You may reach us via T: 6204 6214 E: info@ccisg.com Alternatively, you may send below details to register Contact Person Company (optional), Name, Job Title, Mailing Address, Tel, Email Participant(s) Name, Job Title, Email | |
Why This Workshop Matters for Your Organization
Financial stress isn't just a personal issue—it's a workplace productivity crisis. When employees struggle with debt, your organization pays the price through reduced focus, increased absenteeism, and lower engagement.
57% of employees are stressed about finances
— PwC Employee Financial Wellness Survey 2023
The Real Cost to Your Business:
• Lost Productivity: 3 hours per employee per week spent worrying about money instead of working
• Local Crisis: 60% of Singapore workers live paycheck to paycheck (ADP Research, 2025)
• Debt Trap: Credit card balances hit $7.9 billion in late 2024, with crushing 24-28% interest rates
This intensive, hands-on workshop provides immediate relief. Employees leave with a concrete action plan to eliminate debt, reduce financial stress, and refocus on their work—creating measurable improvements in well-being and productivity.
Ready to Transform Your Team's Financial Wellness?
Give your employees the tools to break free from debt and refocus on what matters—their work, their growth, and their well-being.
This workshop is more than debt elimination—it's the critical second step in a proven framework for complete financial empowerment. When employees master their debt, they unlock the ability to protect their assets and build lasting wealth.
What Makes This Workshop Different
Not Theory—Real Implementation
This is not a lecture. Participants work on their actual debt numbers using a comprehensive 40-page workbook, with complete confidentiality guaranteed.
Safe, Supportive Environment
Small groups (maximum 30 participants) ensure personalized attention and create a non-judgmental space for open discussion.
Complete Toolkit Provided
All participants receive a comprehensive workbook (or dashboard), calculation templates, negotiation scripts, and digital tool recommendations.
Financial stress isn't just a personal issue—it's a workplace productivity crisis. When employees struggle with debt, your organization pays the price through reduced focus, increased absenteeism, and lower engagement.
57% of employees are stressed about finances
— PwC Employee Financial Wellness Survey 2023
The Real Cost to Your Business:
• Lost Productivity: 3 hours per employee per week spent worrying about money instead of working
• Local Crisis: 60% of Singapore workers live paycheck to paycheck (ADP Research, 2025)
• Debt Trap: Credit card balances hit $7.9 billion in late 2024, with crushing 24-28% interest rates
This intensive, hands-on workshop provides immediate relief. Employees leave with a concrete action plan to eliminate debt, reduce financial stress, and refocus on their work—creating measurable improvements in well-being and productivity.
Ready to Transform Your Team's Financial Wellness?
Give your employees the tools to break free from debt and refocus on what matters—their work, their growth, and their well-being.
This workshop is more than debt elimination—it's the critical second step in a proven framework for complete financial empowerment. When employees master their debt, they unlock the ability to protect their assets and build lasting wealth.
What Makes This Workshop Different
Not Theory—Real Implementation
This is not a lecture. Participants work on their actual debt numbers using a comprehensive 40-page workbook, with complete confidentiality guaranteed.
Safe, Supportive Environment
Small groups (maximum 30 participants) ensure personalized attention and create a non-judgmental space for open discussion.
Complete Toolkit Provided
All participants receive a comprehensive workbook (or dashboard), calculation templates, negotiation scripts, and digital tool recommendations.
Objective
Part of a Comprehensive Financial Empowerment System
This debt restructuring workshop is Pillar 2 of the TAGS Framework—a proven, systematic approach to complete financial wellness. While this workshop focuses intensively on eliminating debt, it's part of a holistic strategy that addresses every aspect of financial health.
The TAGS Framework: Building Financial Fitness
The Four Pillars of Financial Empowerment:
Pillar 1: Track Cash — Master your cash flow, create budgets, and build emergency funds
Pillar 2: Address Debt— THIS WORKSHOP — Eliminate high-cost debt through strategic restructuring
Pillar 3: Guard Foundation — Protect your assets with insurance and risk management
Pillar 4: Scale Wealth — Grow your wealth through investments and retirement planning
Why Focus on Debt First? High-interest debt is the single biggest obstacle to wealth building. A person paying 24% credit card interest cannot effectively invest (typical returns: 5-8%). This workshop tackles the most urgent financial threat, creating immediate relief and establishing the foundation for long-term prosperity.
This debt restructuring workshop is Pillar 2 of the TAGS Framework—a proven, systematic approach to complete financial wellness. While this workshop focuses intensively on eliminating debt, it's part of a holistic strategy that addresses every aspect of financial health.
The TAGS Framework: Building Financial Fitness
The Four Pillars of Financial Empowerment:
Pillar 1: Track Cash — Master your cash flow, create budgets, and build emergency funds
Pillar 2: Address Debt— THIS WORKSHOP — Eliminate high-cost debt through strategic restructuring
Pillar 3: Guard Foundation — Protect your assets with insurance and risk management
Pillar 4: Scale Wealth — Grow your wealth through investments and retirement planning
Why Focus on Debt First? High-interest debt is the single biggest obstacle to wealth building. A person paying 24% credit card interest cannot effectively invest (typical returns: 5-8%). This workshop tackles the most urgent financial threat, creating immediate relief and establishing the foundation for long-term prosperity.
Outline
By the end of this one-day intensive, participants will walk away with actionable tools and a clear path forward:
• Complete Debt Inventory — A crystal-clear understanding of all debts, interest rates, and true costs
• Personalized Payoff Strategy — Custom debt elimination plan using proven 'avalanche' or 'snowball' methods
• Extra Cash Flow Identified — Practical plan to find $200-$500 monthly for accelerated debt payments
• Negotiation Skills & Scripts — Word-for-word scripts to negotiate lower rates and fee waivers, practiced through role-play
• Restructuring Roadmap — Clear decision framework for refinancing, balance transfers, and consolidation options
• 7-Day Action Plan — Tangible, written implementation plan with calculated debt-free date
• Complete Debt Inventory — A crystal-clear understanding of all debts, interest rates, and true costs
• Personalized Payoff Strategy — Custom debt elimination plan using proven 'avalanche' or 'snowball' methods
• Extra Cash Flow Identified — Practical plan to find $200-$500 monthly for accelerated debt payments
• Negotiation Skills & Scripts — Word-for-word scripts to negotiate lower rates and fee waivers, practiced through role-play
• Restructuring Roadmap — Clear decision framework for refinancing, balance transfers, and consolidation options
• 7-Day Action Plan — Tangible, written implementation plan with calculated debt-free date
Who should attend
This workshop is specifically designed for employees who are:
• Juggling multiple debts (mortgage, car loans, credit cards) and feeling overwhelmed
• Trapped by high-interest credit card debt (24-28%) and minimum payments
• Experiencing financial stress that impacts their work performance and focus
• Ready for a structured, step-by-step plan to achieve financial freedom
No prior financial knowledge required. Everything is explained in plain language for participants with zero financial background.
• Juggling multiple debts (mortgage, car loans, credit cards) and feeling overwhelmed
• Trapped by high-interest credit card debt (24-28%) and minimum payments
• Experiencing financial stress that impacts their work performance and focus
• Ready for a structured, step-by-step plan to achieve financial freedom
No prior financial knowledge required. Everything is explained in plain language for participants with zero financial background.
Methodology
Format: 70% hands-on application, 20% instruction, 10% group discussion
Focus: Pillar 2 of the TAGS Financial Empowerment Framework: Address Debt
Six Intensive Modules:
• Module 1: Assess Your Debt — Complete confidential inventory of all debts and calculate true interest costs
• Module 2: Prioritize Your Strategy — Learn proven payoff methods and identify 'leaked' money for debt payments
• Module 3: Explore Restructuring Options — Deep dive into refinancing, balance transfers, and consolidation solutions
• Module 4: Develop Negotiation Skills — Practice proven scripts for requesting lower rates and fee waivers
• Module 5: Create Your Action Plan — Build personalized 7-day, 30-day, and 90-day roadmap with debt-free date
• Module 6: Build Accountability System — Establish check-ins and leverage digital tools for staying on track
Focus: Pillar 2 of the TAGS Financial Empowerment Framework: Address Debt
Six Intensive Modules:
• Module 1: Assess Your Debt — Complete confidential inventory of all debts and calculate true interest costs
• Module 2: Prioritize Your Strategy — Learn proven payoff methods and identify 'leaked' money for debt payments
• Module 3: Explore Restructuring Options — Deep dive into refinancing, balance transfers, and consolidation solutions
• Module 4: Develop Negotiation Skills — Practice proven scripts for requesting lower rates and fee waivers
• Module 5: Create Your Action Plan — Build personalized 7-day, 30-day, and 90-day roadmap with debt-free date
• Module 6: Build Accountability System — Establish check-ins and leverage digital tools for staying on track
Testimonial
"Francis is very well-versed in financial planning from investment, insurance to retirement planning. He is very careful, honest with integrity and diligent in his work. His all-rounded experience in finance and insurance really help me explore many areas to grow my assets."
— How Kam Kuen, Long-time Client
"I have known Francis for almost 30 years, both as a friend and as my Financial Planner. I have trusted Francis to advise me on all of my personal financial needs including insurance and retirement planning. Francis is an honest and trustworthy person. He is diligent in his work and is very knowledgeable. He seeks to establish long-term partnership rather than short-term gain. He is always available when you need his advice and he is always ready to offer them. I am glad to have known Francis and have him as my adviser."
— Dr. Lim Liong Gei, Business Development Director, Air Products
— How Kam Kuen, Long-time Client
"I have known Francis for almost 30 years, both as a friend and as my Financial Planner. I have trusted Francis to advise me on all of my personal financial needs including insurance and retirement planning. Francis is an honest and trustworthy person. He is diligent in his work and is very knowledgeable. He seeks to establish long-term partnership rather than short-term gain. He is always available when you need his advice and he is always ready to offer them. I am glad to have known Francis and have him as my adviser."
— Dr. Lim Liong Gei, Business Development Director, Air Products
Francis Hoan's Profile
CFP® | Financial Advisory Director | Praxis Group Leader | 38+ Years Experience | Estate Planning Specialist | Wealth Management | TAGS Framework Creator | 2,000+ Professionals Trained | Practical Financial Problem-Solving | ACTA Certified Trainer
Francis Hoan is known to be a safe harbour, a trusted confident, an honest advisor, and a patient mentor. He specialises in debt restructuring because he believes in providing a non-judgmental space for employees to regain their dignity and financial footing.
While Francis is a highly credentialed Financial Advisory Director in Singapore, his true impact lies in his "client-first" philosophy. He understands that debt is often a source of shame, which is why his workshops are structured to guarantee complete confidentiality. He moves beyond the numbers to address the human side of financial stress, helping participants navigate the emotional weight of 24-28% interest rates and "paycheck to paycheck" living.
As a dedicated educator, Francis dedicates 75% of his time to training and mentoring, a testament to his commitment to lifting others up. With over 38 years of experience, he has guided thousands through multiple economic crises. His approach is described by long-time clients as "honest with integrity" and focused on long-term partnership rather than short-term gain.
Francis Hoan is deeply supportive in the realm of employee well-being. He combines his vast technical knowledge with a supportive environment to deliver the "Speedy Debt Recovery" workshop. His goal is not just to balance books, but to alleviate the crushing stress that affects work performance, offering a compassionate hand to pull employees out of the debt trap.
Training Topic(s)
1. Get Out of Debt - A Practical One-Day Debt Restructuring Workshop
2. The TAGS Framework: Building Financial Fitness (Track, Address, Guard, Scale)
3. Investment Principles for Long-Term Wealth Building
4. CPF Optimization and Retirement Income Enhancement
5. Comprehensive Financial Planning: From Protection to Wealth Transfer
6. Building Financial Resilience: Market Cycle Navigation
Francis Hoan is known to be a safe harbour, a trusted confident, an honest advisor, and a patient mentor. He specialises in debt restructuring because he believes in providing a non-judgmental space for employees to regain their dignity and financial footing.
While Francis is a highly credentialed Financial Advisory Director in Singapore, his true impact lies in his "client-first" philosophy. He understands that debt is often a source of shame, which is why his workshops are structured to guarantee complete confidentiality. He moves beyond the numbers to address the human side of financial stress, helping participants navigate the emotional weight of 24-28% interest rates and "paycheck to paycheck" living.
As a dedicated educator, Francis dedicates 75% of his time to training and mentoring, a testament to his commitment to lifting others up. With over 38 years of experience, he has guided thousands through multiple economic crises. His approach is described by long-time clients as "honest with integrity" and focused on long-term partnership rather than short-term gain.
Francis Hoan is deeply supportive in the realm of employee well-being. He combines his vast technical knowledge with a supportive environment to deliver the "Speedy Debt Recovery" workshop. His goal is not just to balance books, but to alleviate the crushing stress that affects work performance, offering a compassionate hand to pull employees out of the debt trap.
Training Topic(s)
1. Get Out of Debt - A Practical One-Day Debt Restructuring Workshop
2. The TAGS Framework: Building Financial Fitness (Track, Address, Guard, Scale)
3. Investment Principles for Long-Term Wealth Building
4. CPF Optimization and Retirement Income Enhancement
5. Comprehensive Financial Planning: From Protection to Wealth Transfer
6. Building Financial Resilience: Market Cycle Navigation
