| We live in three distinct timeframes - the Past, the Present, and the Future. Many times, we tend to live and make decisions based on what gives us immediate gratification, and often to our detriment. Despite not knowing what tomorrow will bring, planning ahead removes uncertainty and provides clarity to our lives. In this issue, I have included articles that I hope will inspire you to take actions that your future self will thank you for. | | Planning Ahead Is the Key to Living With More Spontaneity Scheduling spontaneity doesn't lessen the joy of spontaneity; it enables it. You still have the freedom to do whatever strikes you in the moment - even more so because you know that's exactly what you intended to do. | | 10 Reasons To Start Christmas Planning Early With a bit of forethought, there's no reason it needs to be quite as nerve-wracking or frustrating as often the days leading up to the holidays are. So, in case you're not entirely convinced of the benefits that early preparedness brings, let's take a look at the 10 reasons to start Christmas planning early. | | What are the chances? We can't predict the future, but we can plan for it. But why does this even matter? Meet some ordinary people thinking about these things. | | 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. | | | | Humphrey Sew, Civil Servant Laura has been my financial consultant for some 15 years. What sets Laura apart from others is her ability to blend deep expertise with genuine care. From the beginning, she took the time to understand my unique circumstances and long-term goals β not just my numbers on paper. This allowed me to work with her as a strategic partner who manages my finances and guides me towards long-term financial independence while ensuring I have the right protection in place.
Laura provided clear, practical insights that helped me see the bigger picture β not just where I am today, but where I want to be in 10, 20, and 30 years. Her advice on building a solid financial foundation with the right safeguards has given me peace of mind regardless of the unknown future that pans out.
Throughout our time working together, she has been consistently responsive, thoughtful and thorough, not to mention attentive and open in listening to my concerns and recommending alternative options that Iβm more comfortable with.
I strongly recommend Laura to anyone looking for a financial consultant who truly goes above and beyond. | | | | 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 youβre 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.
| | | | Chun-Chau. Director of Business Development. Saab Laura has been our financial consultant more than 15 years, seeing us through the various stages of our lives and financial priorities.
I recalled that she advised me on my personal insurance at the infant stage of my career, to advising me on family protection when I started my family and having kids, to looking at building an education portfolio to support my kids' education and now, looking at building my retirement funds.
We are glad to have her watching over our entire financial and insurance portfolio including other products which are outside her portoflio. She is our "go-to" person for any financial matters including car and housing loans as well as home, car and travel insurance.
Besides providing financial advisories, what I really like most is her personalised support. I recalled my daughter was hospitalised years back, she visited her, brought her a soft toy, find out how she was doing and even helped us make claims from an insurance company outside her portoflio.
It has been an amazing journey with Laura. I would say that insurance and finance are very sensitive and personal matters. We need someone whom we can trust. We are glad that we have Laura as our trusted consultant, a closed friend of ours and a great auntie to my kids. | | | | Eugene & Cheryl Teng. Aunty Laura (we call her aunty because she has been helping us since we were kids) has been providing financial advice for our entire family for close to 20 years!
She has been very supportive of us and with changes to the economy, have helped us adapt our financial situation accordingly as well.
Thanks Aunty Laura for all your help, providing us with a headstart as compared to the other kids my age. Of course I have to thank my mum for investing in us, but due to Aunty Laura's help, my sister and I have been able to be covered comprehensively since we were young, which many kids in Singapore do not have the luxury to do so.
Onwards another 20 years!π
- Eugene Teng
ShopeeExpress
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Auntie Laura has been my mum's insurance agent since I was young and have seen me grew up from a child to an adult. I witness how she has help my mum handled her finances and also health insurances, to ensure that we are all well covered. Now that I have grown up, I have also entrust my financial and health insurance portfolio with Auntie Laura. She would provide relevant advises and coverage that I should get and would explain in detail each plan purposes. Her patient and bubbly character makes it easy to approach whenever I have queries for my plans and making the exchange a stress-free and comfortable setting. π
- Cheryl Teng, Trading Operator,
Total Energies | | | | |