Retirement dream vs reality

Joan Tong

In Touch

A Monthly Curated Newsletter

It's been a while since the subject of Retirement was discussed. In this issue's video, it's quite interesting to see how children have different ideas about Retirement. I'm sure all of us have our ideas as well. Yet life can mercilessly erode these dreams. But not if we are really serious about them. So how serious is your retirement dream?

Retirement Date Risk And Sequence Of Returns

Sequence of returns risk is a commonly cited risk for retirees, but an accumulator also faces sequence of returns risk in the form of retirement date risk!

Key to retirement planning: Don't panic

It can be hard to live within your means after retiring, so make your extra funds work harder.

Children and Retirement

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Proudly Brought to You I hope you have enjoyed this issue of my InTouch newsletter. Do feel free to contact me if I can be of service to you and your friends
Joan Tong

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Testimonials and Referral Notes

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Wil-son Lee. Dynamic Group. Manulife Financial Advisers

I finally had a face to face meet up for a training conducted by Joan. For the past two years, I was exploring how to use the HQ system by myself and with the support by Joan & team. Joan is ever cheerful and has been prompt in helping me via WhatsApp. Addressing the technical issues I faced using the system and how I could utilise many of the functions HQ provides. Till date, HQ has enhanced features which helps me with servicing my clients. I have referred friends who found HQ fascinating and consider getting this system to help in their course of work. Will continue to refer others too. Appreciate the HQ team and special thanks to Joan!

Christopher Joo. Financial Consultant. AIA Singapore

Joan came to our agency to do a training and we thought it was highly informative and engaging. She was also in giving us ideas in which we found practical and I highly recommend any salesperson to adopt this system. Get to know her!

Derek Chong. SP Group. Prudential.

Today Joan came to do a hands-on training on the HQ platform for our group. I found it very useful and engaging. I think you'd have fun and enjoy meeting her up :)

Jaslyn Ng. Financial Services Director. Top of The Table. Prudential Singapore

Joan is a helpful, engaging and enthusiastic trainer who has our interests at heart when it comes to positioning us well. She takes effort to educate & show us clearly how their system can work for us. Not only that, I also found the Headquarter system very comprehensive and user-friendly in delivering touchpoints to our customers. I'm thankful for her work and her team so far and I highly recommend her & the company HQ!

Jessy Chai. Prudential. Pacesetters Organisation

Joan met up with myself and Cheng Hao on how we can maximize the use of HQ, a Sales OS platform. It was interesting and I think you should to get know Joan.

David Lee. Prudential Singapore

I met up with Joan today on how I could maximise the usage and potential of HQ in my advisory business. I found it practical and engaging. I think you’d enjoy using this system and learning from her!