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!

David Chua. Financial Services Director. AIA-SP Affluence

Joan came to do a training for our group and we found it incredibly useful and insightful. I think anyone in Sales can definitely from this system!

Gagi Lee. Financial Consultant. Prudential Singapore

I found Joan to be an effective and bubbly person who makes it her duty to help people like me to engage our clients in a more fun and engaging manner. Thanks Joan & HQ!!

Elicia & Team. SP Stanley Fu. AIA

Today we had a fruitful session with Joan on how we can use HQ for our advisory system. Do take the time to listen out to her interesting ideas!

Sally Chew. Senior Financial Planner, Great Eastern

I just want each of you to know how great Joan is! She came to support us with her 100% to walk us through how we can best maximise the potential of HQ for ourselves. She’s the person you want to meet in the morning - contagious happy vibes! The session went so well because of her genuine effort and patience with us. Through her training session, I am able to fully optimise my usage of HQ. Thanks Joan for the blessed session!

Julia Seehoo & Jenney Mah. Darien Agency. AIA Singapore

Thank you Joan for your patience in guiding us on the HQ application. Your bubbly & smiley nature goes a long way in helping in our understanding. We learnt alot especially when you "go the extra mile" 🙏😇 It was a wonderful session - we are encouraged to do hands-on on the software!