Income stops too soon
Death, disability, or a serious illness can end the income a household depends on — while the mortgage, tuition, and everyday bills continue.
Ask yourself: How many months could we manage without a paycheck?
Defensive Financial Planning
First, protect what you’ve built. Then, grow it — carefully.
Most plans focus on how fast money can grow. Ours starts with a different question: what could set your family back — and how do we make sure it doesn’t? At Singh Kaur Finance, based in New Jersey, we help families across the country build plans designed to hold up in good markets and bad ones.
Protection before productsWe map the risks first. Recommendations come after — never before.
Plain English, alwaysNo jargon, no pressure. You should understand every part of your plan.
A two-person practiceYou work directly with Inderjit and Sumandeep — not a call center.
Built for the long termIncome you can count on, and a legacy that reaches the people you love.
“What happens to my family if…?”
That’s the question we start with — and the one a defensive plan is built to answer.
Defense firstIncome, health & legacy protected before growth
5 planning pillarsOne connected plan, not scattered products
Our Approach
Defensive planning means your plan doesn’t depend on everything going right.
Life rarely follows a spreadsheet. Jobs change, markets fall, health surprises happen, and taxes take a bigger share than most people expect. A defensive plan assumes those bumps will come — and is built to absorb them.
- 1Secure the income first
If the paycheck stops — through illness, injury, or death — the plan should keep the household running. Everything else rests on this.
- 2Plan for a long life, not just a long market run
Retirement can last 25–30 years. We plan for income that lasts, care costs that don’t wipe out savings, and inflation along the way.
- 3Keep more of what you’ve earned
How and when you draw income — and how you pass it on — can change your tax bill by a lot. We plan the order, not just the amount.
- 4Decide the legacy now, while it’s your choice
Clear beneficiaries, updated documents, and a plan your family can actually follow — so what you built goes where you intend.
The point of a financial plan isn’t a number on a statement. It’s the people in this picture — protected across generations.
Retirement, the family home, and care in later years — planned together, not in separate silos.
Risks We Plan For
Five things that can undo a lifetime of saving
These are the risks we talk through with every family. None of them is rare — and most plans we review cover only one or two of them well.
A market drop at the wrong time
A sharp fall just before or just after retirement can permanently shrink what your savings can pay you — even if markets later recover.
Ask yourself: If the market fell 25% this year, would my retirement date change?
Taxes taking a growing share
Required distributions, higher brackets in retirement, and how assets pass to children can quietly hand a large share of savings to taxes.
Ask yourself: Do I know which of my accounts will be taxed, and when?
A long-term care need
Extended care at home or in a facility is one of the largest unplanned costs in retirement — and it often falls on a spouse or adult children if there’s no plan.
Ask yourself: Who would provide care, and what would pay for it?
Outliving the money
Living longer is a gift — and a planning challenge. Income planned for 15 years of retirement may need to last 30, with rising health costs near the end.
Ask yourself: Is any of my retirement income guaranteed for life?
The good news: every one of these can be planned for
You can’t control markets, health, or tax law. You can control how exposed your family is to each of them. That’s the work we do.
What We Do
Five pillars. One defensive plan.
Pick a pillar to see what it covers. In a real plan, the five work together — protecting income today is what makes retirement income and a legacy possible tomorrow.
How We Work
A calm, unhurried way to get your plan in order
No hard sell and no obligation at any point. Most families start with a single conversation and decide from there.
Start With a Conversation
Listen & Learn
We talk about your family, your work, what you own and owe, and what worries you most. You do most of the talking.
See the Full Picture
Map the Gaps
We lay out where you’re protected and where you’re exposed — across income, retirement, care, taxes, and legacy — in plain language.
Put Protection in Place
Build the Defense
Together we put the missing pieces in place, in priority order, at a pace and budget that fit your household.
Stay Current
Review as Life Changes
Jobs, kids, health, and tax rules change. We revisit the plan with you so it keeps matching your life.
Try It Yourself
Where are your blind spots?
Tap each statement that’s true for you today. This isn’t a test and nothing is saved or sent — it’s simply a way to see, at a glance, where a conversation might help most.
Your readiness at a glance
0 / 7 covered
Tap the statements on the left to see your picture. Most families we meet are covered on two or three — and exposed on the rest without realizing it.
Talk Through My GapsA Quick Question
What matters most to your family right now?
There’s no single right answer — most families care about more than one of these at the same time. Pick everything that applies to you, vote, and only then will you see how other families answered.
What are you most interested in?
Anonymous poll — no name, email, or phone needed. Your answers simply help us see which topics families want to learn about most.
How families answered
Ranked most-picked first. Each bar shows the share of people who picked that topic — not a share of all votes.
How to read this chart: Multiple choices were allowed, so the percentages add up to more than 100% — one person can appear in several bars. For example, if 65% picked retirement income, that means 65 out of every 100 people picked it, even if many of them also picked long-term care.
Where these results come from: Totals include responses from Financial Literacy workshop surveys and online website votes.
About Us
Built family to family — a husband-and-wife practice
Singh Kaur Finance is the practice of Inderjit Singh and Sumandeep Kaur — Defensive Financial Strategists based in New Jersey, working with families across the country. We plan the way we’d want our own family’s finances handled: carefully, honestly, and with the downside planned for first.
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Inderjit Singh
Defensive Financial StrategistInderjit works with families and business owners on the defensive side of their plans — protecting income, structuring retirement income that lasts, and making sure a lifetime of saving passes efficiently to the next generation.
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Sumandeep Kaur
Defensive Financial StrategistSumandeep leads our family-first planning conversations — helping households get clear on where they stand, what risks they face, and what to do first. Her particular focus is estate planning: wills, trusts, and making sure everything a family has built passes smoothly to the people they love, exactly as intended. She’s known for explaining complex ideas simply, and for never rushing a decision.
Families building & protecting
Raising children, carrying a mortgage, and saving at the same time — who need income protection and a clear order of priorities.
Pre-retirees & retirees
Within ten years of retirement, or already there — focused on income that lasts, market protection, care planning, and taxes.
Business owners
Whose personal and business finances are closely tied — and who need the family protected if the owner can’t work.
Common Questions
Questions
It means we plan for what can go wrong before we chase what can go right. We look at income interruption, market falls near retirement, taxes, long-term care costs, and outliving savings — and build protection against each into the plan from the start, rather than hoping none of them happen.
No. Defensive planning matters at every stage — in many ways it matters most while you’re still building, because your income is the engine everything else depends on. A first conversation is about where you stand today, not a minimum balance.
We listen. We’ll ask about your family, work, savings, protection you already have, and what keeps you up at night. You’ll leave with a clearer picture of your gaps — whether or not you decide to work with us. There’s no obligation and no pressure to decide on the spot.
It might be — or there may be gaps between the pieces. Common ones we find: coverage that ends before retirement, retirement savings with no plan for taxes or care costs, and beneficiaries that no longer match the family’s wishes. A review simply checks whether the pieces still fit together.
We’re based in New Jersey, and we work with families across the country. We’re licensed in multiple states and can expand our licensing where needed. We meet in person in New Jersey or by video call from anywhere — whichever suits you best. Call or email either of us to find a time.
Start Here — Book a Conversation
One conversation. A clearer picture of where you stand.
Fill in the form and send us a little about your family and what’s on your mind, and we’ll find a time to talk — in person in New Jersey, or by video from anywhere in the country. No cost, no obligation, and no sales pressure. If we’re not the right fit, we’ll tell you.
Please don’t include account numbers, passwords, or other sensitive financial details in this form — those are for a private conversation, not an introductory note.
Prefer to reach us directly?
General enquirieshello@SinghKaurFinance.com
Inderjit Singh — Defensive Financial Strategist(917) 647-5257 · Inderjit@SinghKaurFinance.com
Sumandeep Kaur — Defensive Financial Strategist(732) 424-2861 · Sumandeep@SinghKaurFinance.com
Based inNew Jersey
Working with families across the country · Meetings by appointment — in person or by video
Working with families across the country · Meetings by appointment — in person or by video
Book a conversation
Send us your information and what you’d like to talk about. Submitting opens a ready-to-send email in your own email app, addressed to hello@SinghKaurFinance.com, with everything below already filled in — just press send there.