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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Adam Ng. Financial Consultant. Great Eastern

I experienced the services of Joan and her company, Headquarter.io, and I found it to be very insightful and refreshing. I'm thrilled to learn more and I believe that you will benefit from getting to know what their client engagement platform can do for you!

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!

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!

Clara & Patrick. AIA-SP Victor Lim

Patrick and I met Joan up for a refresher training session on how to use HQ for our business and workflow. We found it very useful. And I think that you'd find it valuable and interesting getting to know Joan.

Corinne Teo. Prudential Singapore

Today Joan came over to bring us through on how we can use HQ for our benefit in our workflow system. Found it interesting and useful. You should hear from her!

Jason Teo. Financial Services Manager. Prudential Singapore

Joan was proactive and engaging in generating ideas in which I found practical. I have gained quite abit of insights and I highly recommend any person who's in the sales line out there to adopt this system, and you should too!