| We have come to a very unique juncture in time, where we are transitioning into the 4th industrial revolution. This is a time where technology as we know it will start to escalate in its rate of change. Our lives and jobs will surely be impacted. But how? It is time to consider this and take stock of where we might stand now and three to five years later. | | Your Life is About to Change This may be the most important economic exposé you ever read. In 2008, I gave a speech in which I explained the concept of a secular bull market. Secular markets are typically driven by large-scale national and worldwide events and forces that are in place for many years. | | The Fourth Industrial Revolution: what it means, how to respond We stand on the brink of a technological revolution that will fundamentally alter the way we live, work, and relate to one another. In its scale, scope, and complexity, the transformation will be unlike anything humankind has experienced before. | | Atlas, The Next Generation | | 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 | | 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. | | | | 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. | | | | Jeremy Koh. Senior Manager. ASM I was first introduced to Laura by a close friend in 2021 when I shared with him that I needed some help on CPF planning for my retirement.
When I first met Laura, I was impressed with her level of professionalism. She took the time to really understand my financial situation, my goals and my needs before recommending what I should do with regards to my query on my CPF monies.
She is very clear and simple in her explanations and gave me a very clear overview and provided me with financial advice beyond what I had expected, and not just confined to retirement planning.
Laura is not pushy in her approach and is sincere, knowledgeable and experienced. I am glad to have her to help me manage my portfolio and strongly recommend anyone who needs professional and trusted advice to meet up with her. | | | | Rayn Ngong. Senior Vice President. GIC Laura was introduced to me in 2002, not long after I had just started working. Over the years, she has maintained close contact with me and has been regularly updating me and my family in our financial planning journey.
Of all the Financial Consultants I have met, Laura has been the most conscientious and comprehensive in her financial planning strategies. With her competent advice over the years, I have been able to comfortably plan for my family's protection as well as our wealth accumulation needs. At the same time, as Laura is a certified Estate Planner, she has also helped me in the area of legacy and estate planning.
Getting a trusted consultant who looks out for you is important. I am thankful that I have not just found a trusted financial consultant, but also a good friend who has seen me through the different stages of my life. | | | | Gabriel Borgon, Lead Commissioning and Qualification Engineer I’ve been with Laura for almost 10 years, and in that time she’s always taken care of my insurance needs with clarity and care. She explains everything in a way that makes it easy to understand and always keeps me updated when better options become available.
I first came to her through a friend’s recommendation, and I’ve been thankful ever since. One moment that really stood out was when part of a claim was initially rejected—Laura didn’t back down, pushed on my behalf, and got it covered. That kind of dedication gives me real peace of mind and shows the difference she makes. | | | | Sharon Lim, Senior Director. MINDEF Laura has been advising me for almost two decades, and I trust and value her deep expertise and wise counsel.
What really makes Laura stand out is her genuine care for her clients. She focuses on the client’s unique circumstances and needs, and customises her recommendations with her clients’ best interests in mind.
It’s been a privilege to have Laura advise me, and I would recommend her to anyone who needs good financial advice. | | | | Jennifer Chua I’ve been with Laura for more than a decade, and my experience with her has always been reassuring and positive. She is consistent, patient, and someone I know I can rely on whenever I need clarity or support.
What makes her different from other financial consultants is her sincerity and the way she explains things in a simple, transparent manner. She never rushes through discussions and always puts my needs first.
I chose Laura because I trust her. She has been steady throughout different stages of my life, and her advice has always been thoughtful and timely.
One memorable moment that stands out for me is how she supported me during a major life transition when I fell sick. Thanks to her encouragement to enhance my critical illness coverage earlier on, the policy came in at the right time—just a year later—when I needed it most. She checked in, guided me patiently through the process, and made everything so much easier during a very difficult period. | | | | |