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

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Testimonials and Referral Notes

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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!

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!

Yi Hui. Financial Consultant. Prudential Singapore

In the training conducted by Joan, she was effective, helpful & generous in sharing ideas that I found practical and useful. The HQ system is one system to check out as it is interesting and relevant, and I think anyone in the sales industry can benefit greatly!

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!

Vanessa Low. Associate Financial Consultant. Prudential

Joan is very adept at explaining how the system works and she's good at demonstrating we can maximise the HQ system. We found the session to be insightful and practical and I highly recommend any salesperson out there to adopt this system.

Donald. Financial Consultant. Prudential

Our agency recently got signed up on the HQ Sales OS and Joan came to our agency to train us. I appreciate how engaging and helpful Joan was in imparting & helping us understand how the system can benefit us. I think it was very useful and refreshing. And would recommend you to get to know learn about HQ from her!