Maximizing Edge Financial Planning Tool Across Different Age Group Profiles
Edge’s Client Overview page gives consultants a powerful snapshot of key data entered across their client base. At a glance, you’ll be able to see what you’re doing well, where follow-ups are needed, and what sales opportunities you can act on immediately.
This dashboard isn't just for tracking — it's a tool for strategy. By analysing the demographics and trends within your client data, you can tailor your approach, spot gaps, and better position yourself for growth.
In this section, we’ll explore how knowing your clients' age demographics can guide you in identifying key focus areas for engagement, planning, and advice — whether you’re using Edge or not.
It’s about tailoring your approach to meet clients where they are in life, and using the right tools to add value at every stage.
Client Age: Unlocking Deeper Opportunities Through Demographics
Understanding your clients’ age profile gives you powerful insights into their financial priorities — and helps you plan your approach more strategically.
1) Clients < 25
This group typically focuses on wealth accumulation, liquidity, and may show resistance to insurance planning due to limited purchasing power or a “still young” mindset.
What You Can Do:
Turn the conversation to their parents. Create a compelling script that resonates with younger clients while subtly prompting them to introduce their parents.
Focus on topics such as legacy planning or the reality that “parents’ medical bills are children’s bills.” This opens the door for discussions around estate planning or insurance reviews for their family.
How Edge Can Help:
Use the retirement planning chart within Edge to illustrate potential shortfalls in their parents’ retirement — especially effective for parents in their 50s or 60s.
Leverage the checklist feature to explore whether their parents have essential coverages like Integrated Shield Plans or Accident Plans in place. This positions you as proactive, thoughtful, and holistic in your approach — while creating value for both the client and their family.
With this, you open new conversations, uncover hidden needs, and expand your reach beyond just the client in front of you.
2) Clients 25 to 35
Clients between the ages of 25 to 35 are entering a critical phase of life — juggling career progression, property purchases, weddings, and their parents' upcoming retirement. At this stage, they begin to truly appreciate the value of financial planning.
They’re also more financially aware, with easy access to online content and peer discussions making them more informed and selective. As a result, they’re not just looking to buy policies — they’re looking for trusted advisors who can offer genuine value.
Positioning Tips:
This is the segment where consultants need to stand out the most. Simply offering products won’t cut it. You'll need to offer real expertise, fresh insights, and lifestyle-based advice to gain their trust and business.
Some ways to add value include:
Sharing tips on maximising credit cards for miles or cashback
Offering investment insights that align with their goals and risk appetite
Sharing financial hacks or tools beyond insurance — positioning yourself as a go-to financial partner
How Edge Helps:
Use Advisory Resources Library to source relevant content and value-adding ideas to share with clients
Leverage illustrative charts in the Lifestyle & Retirement Planning tool to clearly explain complex financial structures
With this clarity and added value, you’ll build stronger client trust — creating the perfect setup to use the Pay It Forward referral script
This age group is highly connected and most likely to refer — if they find someone trustworthy.
With the right approach, this group can become not just long-term clients, but also active referrers and advocates for your practice.
3) Clients 35 to 55
Clients aged 35 to 55 are typically at the point where retirement planning becomes a serious priority, alongside reviewing whether their current insurance coverage is still adequate. While it’s a broad age group, the common thread is the next phase of life — retirement. Some begin early planning at 35, aiming for early retirement, while others only start thinking about it closer to 50.
Positioning Tips:
This group tends to be more open to learning and preparation, making them ideal candidates for educational seminars or webinars. Positioning yourself as an expert in areas like CPF Retirement Planning, Estate Planning, or Legacy Distribution can build trust and authority.
How Edge Helps:
Use the Retirement Planning Chart to visually demonstrate potential retirement shortfalls and offer solutions to bridge the gap
The Investment Illustrator can be used to show how dividend-paying funds could supplement income during retirement — offering clients a clearer view of their income streams post-retirement
This age group values clarity, expertise, and guidance. With Edge, you’ll have the tools to deliver all three — and position yourself as the trusted advisor they need for their retirement journey.
4) Clients 55 >
Clients aged 55 and above are typically in the wealth preservation stage. They tend to be more risk-averse, prioritising capital protection, inflation-proof income, and ensuring all administrative aspects of estate planning are in order.
Positioning Tips:
This group has likely experienced various market cycles and understands the importance of both protecting and growing wealth wisely.
Earning their trust starts with helping them organise their financial affairs and offering solutions that preserve liquidity while maintaining stability.
Popular planning tools for this segment include:
Universal life plans for legacy and wealth transfer
Short-term or passive income strategies that balance returns with safety
How Edge Helps:
The upcoming Universal Life Illustrator will provide consultants with a clear way to present these solutions effectively
In the meantime, the Retirement Planning and Investment Illustrators are excellent for helping this group understand how to optimise their resources for stable retirement income
With the right tools and guidance, you can provide peace of mind while reinforcing your role as a trusted advisor focused on legacy, protection, and smart wealth management.
