| As we embrace the new year, it may help to remember that the turning of the year doesn’t call for grand plans or perfect routines. Instead, it invites calm, adaptability, and trust in small, consistent steps. The collection of articles gathered here speak about the value of steadiness over speed, flexibility over force, and provides a quiet assurance to just keep going—even without clarity. | | Most Resolutions Collapse by February. Here’s the System High Performers Use Instead If your resolutions fade fast, it’s not a discipline problem. This piece shows how high performers skip rigid goals and build simple weekly systems instead—focusing on identity, small habits, and structure to create change that actually sticks. | | Beyond the New Year: How to Turn Family Resolutions into Everyday Rituals Make family resolutions stick by setting small, realistic, shared activity goals, involving children in planning, focusing on behaviours not outcomes, building connection, and staying flexible—so routines become enjoyable habits rather than abandoned ambitions. | | Why humans are surprisingly bad at being happy | Laurie Santos | | Proudly Brought to You I seek to reach out to people who believe in safeguarding the interests of their loved ones. Let me know if I can be of help to someone you know or care about. We can make a difference to lives when it matters most. Cheers. | | Laura Hoi | | | | | | | | unsubscribe | You are receiving this email because you're my client, a friend or you've given permission to receive this email. If you'd rather not receive our emails, you can unsubscribe from our mailing list by clicking 'Unsubscribe' above. © Laura Hoi, All rights reserved. | | | | Dr Tan Eng Hoe & Mary We have known Laura for several years now. Recently, I reached out to her to get her opinion about some retirement plan options. She did not push us any products but instead patiently helped us to make a decision based on our needs at our current stage of life.
She was very patient in going through our all our existing policies that we have purchased through the years and offered very clear explanations.
We are very thankful for her advice and would strongly recommend her to anybody looking for a different perspective from a trusted financial consultant.
| | | | Chee Hok Yean. President Asia Pacific. HVS Laura has been my financial consultant since 2002. She has provided very customised and holistic financial planning advice for me, especially in the area of retirement planning.
I enjoy working with her because she makes sure she understands my situation and needs first before crafting a solution for me. Her explanations are clear and she provides options in different perspectives and is not pushy in her approach.
I am glad to have found somebody I can trust to help me manage my financial planning portfolio. | | | | Lilian Chang. NTUC Enterprise. I have known Laura as a software vendor in 2004 when I was working in an IT firm. Laura has a truthful personality, and we became good friends very quickly. We continued to keep in touch even when both of us left our jobs.
She became my financial consultant when she joined Prudential and helped me look into both my hubby and my portfolio to plan for my retirement. Kids were young then, and good financial planning was very important. With Laura's help, my family's investments and health protection plans were in good hands. Laura is helpful and goes the extra mile to explain and assess plans I have and helped me set milestones.
Over the years, Laura has become a family friend. My children are now grown ups and Laura has started guiding them with their financial planning patiently. To me, she is not just a FC, she is already a friend whom I trust with my financial planning.
Laura is a person whom you can go to and trust, as she has your interests in mind. | | | | Gerard Tong . Director, Epitrain Pte Ltd Adjunct Professor. SMU, NUS Let me start by saying I am not an easy person to deal with. I am impatient, opinionated and stubborn.
The fact that Laura has been servicing me since 2004, and is the only Financial Advisor whom I have bothered to speak more than 5 words to, speaks volumes of her approach, presentation and knowledge.
From the start, I made it clear that as a (now retired) financial market professional, I was not interested to hear about investment-linked policies, believing that I could do a better job that the fund managers. Laura kept that in mind, and respected that, occasionally making a passing recommendation on a fund she felt was really worth looking at, but immediately putting that aside as soon as I impatiently gave her a dismissive wave. Instead, she focused on building up a portfolio of policies which covered other critical areas, such as death, sickness, mortgage protection and such. Never over-selling, she would not push more coverage than was required to me.
Not the sort of insurance agent to close a deal, collect their commission and forget the client, Laura readily advised and assisted with claims, and consistently checked up on my situation in life, personal and financial to review my coverage, even advising me on my plans to scale back as my coverage requirements shrank with age.
Just this month, after identifying that I was losing interest in managing my own money, but still wanting superior returns, she sold me a bond fund policy, after years of watching my dismissive hand. It shows great professionalism, keeping mum about investment-linked policies all these years, but always keeping a look out for changes in my life state, and bringing it up again when it has become appropriate.
If you’re looking for a professional, competent, reliable Financial Advisor (in truth, we all NEED one, even if we have not realised it yet), who genuinely cares about you, then look no further.
| | | | Aik Teng, Sports Development Manager. Sport Singapore What sets Laura apart from other financial consultants is her genuine care and personal approach. She doesn’t begin with products — she starts by truly understanding my needs, goals, and spending habits. Her advice is always thoughtful and tailored, never transactional.
What makes Laura exceptional goes far beyond financial planning. She has walked with me through some of the most challenging moments in my life —one financial crisis, and 2 medical emergencies within the last 15+ years. Her quiet presence and strength gave me emotional grounding and practical support, especially when I was overwhelmed with uncertainty.
I’m incredibly grateful for Laura’s consistent care, deep expertise, and unwavering support. Even when overseas, she goes the extra mile — like the time she called a dentist friend from Chicago to help with a dental emergency I was panicking over!
If you’re looking for a financial consultant who truly cares, listens deeply, and stands by you beyond the numbers — I wholeheartedly recommend reaching out to Laura. You’ll be in very good hands. | | | | Yvonne Tan. Fitness Instructor I first got to know Laura in 2022 when she came to me to embark on her fitness journey.
As a Financial consultant, Laura is very sincere and has the ability to convey her recommendations in a very digestible, easy-to-understand format.
Through her review session with me, she was able to
1. Give me a Birds Eye view of my overall financial position.
2. Identify the gaps that I was unaware of
3. Consolidate a clear summary and develop a comprehensive action plan.
My experience with her has been enriching. She is knowledgeable and informative and most importantly, does not pressure me to make any decisions.
I would strongly recommend her to meet anyone who needs a competent financial consultant who puts your needs first and lets you make your decision without pressure. | | | | |