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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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!

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!

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!

Joycelyn Phang. MDRT Qualifier 2021. Prudential Singapore

HQ is a great platform / channel for publicity, especially for people like us who need to run their own business. I love the function that it can customize our own birthday cards and make our clients feel privileged as it's something personalised. On top of that, working with Joan is amazing because she is friendly, helpful and dedicated lady. She is always able to assist me on technical works as I’m not good at IT stuffs. Honestly speaking, I can’t live without HQ now, thank you Joan & HQ. I would highly recommend this platform for everyone, 10/10 must try!💯

Wenji. Financial Consultant. Prudential Singapore

A session with Joan reveals that she dedicated in her work in helping agents like myself service and retain clients in a more effective way. She's on-the-ball in helping us understand the system and also quick to answer questions that we may have. If you're in the financial services or sales line, do get to know Joan and check out how the HQ system can work for you!

Jasmine Wu. Executive Financial Consultant. Prudential Singapore

Joan is a passionate & helpful individual who cares about positioning users like myself well to clients, especially in terms of client acquisition and retention. She's also good at breaking down the steps on what we can do to make the best out of the platform and shares tips that work. She's fun & humorous too, which makes her great to be around with anytime!