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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!

 
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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.

 
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Children and Retirement

 
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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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DISCLAIMER

This newsletter is not representative of the views of the company.

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Testimonials and Referral Notes

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Alice Phua. Michael Seow & Associates

It was wonderful having Joan here with us to share and refresh my memory about the HQ platform. She was engaging and I found the hands-on approach effective in aiding our learning. She is also helpful and attentive to my needs - helping me to brainstorm ideas and giving suggestions on how my services could be marketed. Truly appreciate her work. Keep it up, Joan!

Evonne Chew. Financial Consultant. SP Group

Joan is very helpful in taking me through how to use the HQ system. I think it is useful and interesting getting to meet her up and getting to know her. You should take the time to hear from her soon too!

Jeremy Ng. Executive Senior Manager. Henry Kencana & Associates. Great Eastern Life

Not only is it a great system but it’s filled with great people leading the team. Namely Samuel who leads and Joan whom greatly supports. Joan gives her heart when she trains. And she is so open towards hearing and learning from us at the same time. Joan & Samuel constantly support and work hard as the backbone of HQ to add value to us. Not only is this consistent at point of sale of HQ system, it is also followed through with coaching and guiding our team after we became users of HQ. HQ incentives made it so helpful and encourage us to add value when we meet clients. This in turn attain great testimonials that supports the team as well as adds value to the marketplace. This is definitely a system to adopt for all practitioners out there!

Cliff Chen. Senior Financial Consultant. Great Eastern Singapore

Joan was insightful in generating ideas in which I found practical. It was a very interesting session and I highly recommend any salesperson and practitioner out there to adopt this system from HQ!

Bee Ling. Master Financial Consultant. Prudential

I met up with Joan for a Refresher Session and I found her to be effective and engaging in imparting to me how HQ can be harnessed for my benefit. The time spent with her to clarify my doubts and questions on HQ was worth it as she guided me along. It was fun being around her too. Do get in touch with her and I think you'd find it useful!

Aihua. Senior Financial Consultant. Prudential Singapore

I met up with Joan today for a session on how to use the HQ system. I must say that it was very useful and interesting, and she's helpful and engaging. 她也很可爱! Thank you for your time! And get to know Joan, you won't regret it!