Wong Choon Yuan (黄俊元)

Financial Services Manager, Senior Personal Wealth Manager

Wong Choon Yuan (黄俊元)

Financial Services Manager, Senior Personal Wealth Manager

Wealthy Mind and Healthy Body!

Hi there! This is Choon Yuan! Thank you for taking the time to look at my profile. Please allow me to share with you my background and my beliefs on how I can make a difference in helping you to reach your financial goals.

As a CFA Charterholder working in Investment Banking & Asset Management industry for 12 years, I strongly believed in the importance of holistic financial planning. During this period, I had taught hedge funds and portfolio management at NUS and SMU, followed by CFA revision courses at Kaplan as well. Because of what I had gone through, as a client myself, I had always wanted to work with a financial planner rather than a financial product seller. Therefore, it was a mental struggle for me when I first joined AIA, because the public impression of the insurance industry is product selling, meeting sales target, sales quota etc. And it took me some time to learn how to integrate my knowledge of financial products into the planning that I do for my clients.

My ideal appointment with my clients is no pressure on my end to sell you anything; and no pressure on your part to buy anything from me. Instead we spend our time together where you share with me on where you are now financially, where you want to get to next time, and how I can help you reach your financial goals. From a professional perspective, I can share with you the pros and cons of various solutions, be it property, stock investments, corporate bonds, structured notes, options trading, FX, REITs, ETFs, insurance, CPF, housing loan, tax savings or even legacy planning such as will writing. The focus is really about helping you address your evolving concerns over time because the financial planning journey is a marathon and not a sprint.

As a result, when we have such a relationship, whenever you come across any financial products, new insurance plans or investment opportunities, we can both have a very comfortable conversation and I will be able to provide the professional perspective on such money matters. To stay in this career for the long term, it is not more money that keeps me motivated. But it is this satisfaction that money cannot buy, when I know my advice has made a difference in helping you get a step closer to your financial goals. Ultimately, it helps to bring meaning & this motivates me to grow further in this career. I am truly blessed to have the support of my clients and some of them have graciously written the testimonials below so that I can help more people who values financial advice more than financial products. Thank you!

Yours Sincerely,
Wong Choon Yuan
Email: wongchoonyuan@aia.com.sg
Mobile: 87883149 (main)
Mobile: 97577076

Work
- SP-TrueGrit-Strategic Alliance, AIA Singapore
Credentials

Newsletters

Articles Worth Sharing

Newsletter Issue 93: Happy Travels

Embark on meaningful journeys with insights to plan memorable vacations, navigate budget travel, and uncover cultural treasures. Whether you’re crafting a family adventure or exploring last-minute deals, these ideas inspire travel that deepens connections, stretches savings, and invites discovery.

As families navigate the challenges of exam season, it's important to foster resilience, support growth, and nurture well-being. These insights explore how to create a balanced, supportive environment for children, helping them thrive academically, emotionally, and financially.

Persistence and perseverance are the cornerstones of personal growth. As we enter the final stretch of the year, these traits become even more essential. Discover ways to harness determination, build resilience, and stay committed to your goals. Even when the journey feels long and challenging, remember—you’re closer than you think. Let’s push through this last lap together.

Navigating the rising cost of living requires strategic planning. This issue provides tips on budgeting, skill development to increase income, and utilising resources to manage money. I hope these strategies help empower you to stretch your money further and maintain financial stability.

Prioritizing our health and immunity is essential, especially with summer holidays and travel on the horizon amid the recent surge in COVID-19 cases. Here are some practical tips, nutritious recipes, and expert advice to keep you safe and ensure healthy and enjoyable summer vacations for you and your loved ones!

As we approach the time of year when scorching temperatures send us seeking refuge indoors, this issue offers essential tips and strategies for managing the heat. Arm yourself with knowledge and discover ways to stay cool, hydrated, and healthy amidst the sweltering heat, ensuring you thrive in your daily life!

Life is a multifaceted journey of growth and transformation. From overcoming setbacks to embracing professional and personal development, this issue contains wisdom on self-forgiveness, career and financial success, and the limitless power of lifelong learning. The process of growth may not always be easy, but it will be worth it. I hope this enriches your life.

Amidst rising costs, aging and retirement planning is becoming a growing concern for many. Yet, more than just ensuring financial readiness, one who is planning to retire also needs to be psychologically prepared for the shifts in lifestyle, routine and everything that comes along with it. In this issue, let's explore expert tips on staying healthy, mentally sharp and financially secure, so we can age gracefully in our golden years.

As we embrace 2024, discover essential insights for a prosperous journey ahead. Explore key financial strategies and economic trends aligning with the Dragon Year's promise of prosperity. Immerse in the cultural vibrancy of the Lunar New Year celebrations. I hope this issue with its blend of wisdom and practical advice equips you to navigate the opportunities and challenges ahead with confidence. Together, let's ride the Dragon!

In this issue, here are some insights on mindful reflection, effective goal-setting, and strategic reviews. I hope this helps you equip yourself for a thriving year ahead with impactful resolutions and fresh perspectives. Let's embark on this journey of growth and renewal together.

Embrace the spirit of the holiday season in this month's issue, where cherished traditions meet thoughtful innovation. From smart savings and healthy feasts to meaningful gifts and cozy stays, our collection of articles offers a reflective journey through holiday warmth. Savour every moment with our handpicked tips and recipes, and let's celebrate the joy and generosity that define this wondrous time of year.

As inflationary pressures continue, affecting both individuals and businesses, it is vital to equip ourselves with effective strategies to navigate this environment. This issue provides pragmatic insights and ideas, guiding us to not only weather these economic challenges but also thrive in the midst of them. I hope this brings us greater financial resilience and empowerment.

In celebration of Children's Day, here is a friendly collection of articles brimming with insights! I hope these writings can guide us in embedding valuable skills, boosting financial literacy, and laying down a roadmap to raising resilient, balanced children. May we empower the upcoming generations, helping them blossom into well-rounded and holistic individuals. Let's cherish the joy of nurturing our future

Making decisions on property is not trivial, as they often have effects on our quality of life in ways that are not just material but also financial and emotional. Regardless of our experience levels in making decisions on our properties and homes, it helps to have an appreciation of what resources are involved, and how we can be resourceful about them. I hope you find the materials in this issue useful.

In today's rapidly ageing society, advance care planning and long-term care planning are emerging as critical considerations for ensuring a comfortable and secure future. As we journey together through the intricate aspects of planning for what lies ahead, it's never too early to make such vital decisions. It's your future; plan it well.

In the delicate balance between awe and envy lies an opportunity for growth. Awe opens our eyes to the beauty and possibilities around us, while envy stirs our desires for improvement. By using awe as a wellspring of inspiration and envy as a catalyst for positive change, we get to harness these emotions to fuel our ambitions, cultivate empathy, and create a brighter future for ourselves and others in various aspects of our lives.

As artificial intelligence (AI) and chatbots like ChatGPT become ever more prevalent, AI’s potential to transform our lives and economy cannot be understated. With the increasing adoption of these technologies, they will not only transform the ways we use or consume information, but they are also poised to play a pivotal role in just about every aspect of our lives, including work, finance, and parenting. In this issue, we explore the nuances of AI and the possibilities it brings to our world.

Whether we are mothers ourselves or simply have someone in our lives who has played a motherly role to us, chances are, our lives have been influenced in profound ways by motherhood. Let's take a moment in this issue to honour, value, and draw lessons from the incredible wisdom of women and mothers who have impacted our worlds.

Necessity is the mother of invention. Throughout history, humans have demonstrated the ability to innovate, solve problems, and create solutions in the midst of crises, resulting in some of humanity's greatest inventions. All it took was resourcefulness, action, and persistence. Through this issue, I hope to provide insights into how we can live life constructively and creatively, regardless of the challenges that we may face today.

As we get back into the groove of work, our most important arsenals have to be our health and brains. After all, these are essential in allowing us to lead a functional and meaningful life. To do that, we need to take care not to fall ill and ensure that we upkeep our physical, mental, and social well-being. Let us explore in this issue the various ways that help us protect and strengthen our overall health.

For many, the festive season is a time of food, celebrations, social interaction, and hype. Coupled with the continuous demands of work and life, such periods can sometimes leave us feeling drained, and some of us may even struggle to get a breather. In this issue, I have put together resources on how we can possibly wind down and benefit from more intentional quiet and less noise.

As the world enters a recession, the upcoming year can pose a challenge for many due to increasing economic uncertainty, and the natural fears surrounding it. In this issue, we look at some trends and possible actions that can help us become more emotionally and financially resilient to not just ride out the challenges, but rise above them. I hope this gives us hope.

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.

Many of us lead busy and stressful lives. Even when we may be caught up meeting deadlines, sprinting towards our next goals, or looking after our families, we cannot neglect taking appropriate breaks for our well-being. While it may feel counter-intuitive to do so, sometimes the best thing is simply to step away from the four concrete walls to go for a walk outdoors. It refreshes the mind, body and soul, and is beneficial for our health and creativity. So let's lace up our trainers and walk our stresses away.

In an environment of rising inflation and uncertainties in global geo-political climate, almost no one is spared from the economic consequences of the day. It is therefore more important than ever to be intentional and mindful in how we manage our finances in our daily living. Here, I have put together some resources which you can tap on to help you gain a better insight on how you can be more savvy with your money.

Every one is different, and differences in opinions, interests, backgrounds and personalities tend to come with conflicts. Whether is it our co-workers, friends, family members or even our partners, disputes are not only common, but they're natural and sometimes inevitable. The question is, while such conflicts arise, how do we navigate them? Do we attempt to work through issues amicably with others, or do we allow our egos and emotions to rear its ugly head? Today, we look at practical tips on how we can manage ourselves and relationships in more mature ways.

As humans, the pursuit of change and progress is something that is innate to every one of us. Like it or not, there will always be things in life that we hope could be a little different, a little better in the way that daily situations & events turn out. It could be in the way we think, speak, or the way we handle everything from our finances to our relationships with others. We seek to become better -- and we should. As we strive to continuously exceed our potential, we rise above all previous versions of ourselves and grow stronger. In this issue, we look at some ways in which we can embrace a better self and an even better future.

In life, there are days and moments where everything we do does not feel enough, or face situations that are beyond our control. A common response to such instances is to doubt ourselves and our abilities, and that is a very normal and human thing to do. But the effect of self-doubt can cut both ways: It can either spur us to achieve our goals and thereby boost our confidence levels, or cause us to feel entirely powerless and paralysed. Fortunately, whether we allow it to work for or against us is mostly up to us. In this issue, we will explore the ways in which we can harness self-doubt to build confidence -- one step at a time.

Statistically, most people live till an average age of 80 years. Although this number varies across cultures and nations, we cannot deny that life is still all too fleetingly short. 80 years a lifetime translates to 80 summers and 80 winters - to love, laugh, live, and make the most of our time on this earth. Far too often, when faced with our mortality, we look back at our lives and think of all the things that could have been different. Regret may sometimes be inevitable, but it is still possible to live an unlimited life with the limited time that we have. In this issue, we look at some of the ways we can do so.

For the past years, given the pandemic and restrictions, many of us were forced to re-evaluate how to plan and book trips for holidays, or consider whether we should even be planning for any travel at all. Now, as borders are opening up, we have reached a stage where many of us are ready to start traveling again and make vacation plans once more. The catch, though, is that traveling will likely continue to be complicated as new variants emerge. How then do we plan for travel? In this issue, we explore this matter in more depth.

Life can be unpredictable with obstacles, making it sometimes difficult to stay afloat. Whether it is the loss of a loved one, stress from work, or financial woes, everyone faces challenges and does at some point, struggle with remaining optimistic or hopeful. Nonetheless, it is still important to maintain positivity to keep us going; by finding the good in the bad, and being the light in the darkness. For this issue, let us explore on what being positive means & how we can harness it in ways that truly benefit our lives.

As humans, we have an innate need for connection and approval from others. Often, we make an effort to gain validation and this is natural. Yet, in our world today, this need for others’ approval becomes magnified; as many of us are constantly plugged in on social media, we tend to get caught up in the pursuit of “likes”, “shares”, “follows” & engagement. These can have implications on our mental well-being and happiness. Through this issue, I hope that we can be more aware of the impacts & risks associated with excessive use of social media, and what we can do about it so that we can live out our best lives.

It is a season of feasting, socialising and spending time with our family and friends. Amidst the bustle of festive preparations and joviality, let us not forget to take care of our well-being even as we celebrate this time of wealth, health and happiness. Stay safe, savvy and prosper!

By this time, we would have endured quite a long period of the COVID-19 pandemic and many things have changed. Collectively, we have adapted to new ways of living, working and socializing. While there is no telling of when this pandemic will truly “end”, one thing’s for sure: Life goes on. The best we can do is to continue to look towards the future and live out the best we can. As we head into a new year, here are some predictions and trends we can look forward to.

In times of uncertainty, it’s easy to get overwhelmed. With the COVID-19 outbreak, we are faced with the challenge of adapting life around the virus and navigating intense market volatility. This leaves many of us feeling anxious and even disempowered.

Confucius, the Chinese philosopher, left us with these words to contemplate: The man who asks a question is a fool for a minute: the man who does not ask is a fool for life. As the year winds down, it is time to reflect on some popular and widely - accepted beliefs and misconceptions that we may hold that do not serve us in achieving our goals and desires. Today, we look at debunking some of these misconceptions to expand our thinking and explore new perspectives and horizons.

In meeting the demands of work and every day life, many of us can feel compelled to do all things at once, and may become overwhelmed or less effective as a result. To counter this, it is worth taking a moment to adjust our pace; to give ourselves the space to practice taking one step at a time in the ways we perform our tasks and how we manage our minds & emotions.

As human beings, we are a culmination of our environment, decisions, behaviours and habits. It is worth giving thought to how we live our lives; taking a step back to reflect on some of our own less-than-ideal tendencies and ponder about how we can mitigate or improve upon them. Here are some resources that I hope can help us foster habits and patterns that can create an upward cycle for ourselves over time.

In a world where more of us are increasingly working remotely, the issues of exhaustion, burnout and digital fatigue have become more pronounced in recent times. The implications on mental health and quality of life are real. Here are insights and resources that I hope can help us better understand the nature of the burnout that we may experiencing. More importantly, we can learn to manage, uplift ourselves and also the people around us.

Leadership is the act of guiding a team or individual to achieve a goal through direction and motivation -- and there is a leader in all of us. This issue contains insightful resources and pointers that touch on the various under-talked about but important aspects of leadership. I hope this inspires us to not just exercise good leadership in our daily lives as individuals and organisations, but more importantly, help us get through and thrive even in difficult times.

As our personal lives get increasingly intertwined with our work in this season, it becomes more important than ever to find ways to devote our energies to become more effective & productive as individuals. Here, I'd love to share with you on some resources and powerful ideas on how we can not only become more productive, but also make our work & daily life more meaningful in the process.

What does it mean to lead a good life? The meaning of a good life, or life for that matter, is subjective. But there are some evergreen truths and wisdoms that we can all live by that help us gain the most out of life even through obstacles and challenges. In this issue, I have put together for you a series of insights, tips & advice by some of the best thinkers throughout history on how to live out a good life. I hope these resonate with you.

Dignity is the state or quality of being worthy of honour or respect by virtue of being human, and every person has an intrinsic need to feel valued and needed. Yet, in our world, there is often a gap between the ideals and realities of how dignity is accorded to individuals across age, gender, social statuses and financial positions. In this issue, I'd like to bring attention to the topic of dignity, and the ways which we can protect & honour the dignity of others and ourselves.

Women have long played a huge part in our society and economy. When it comes to uplifting women, the work extends beyond just international women's day or month. In fact, it requires continuous effort from not just leaders, but also every day folks like us to recognise and appreciate the great potential of women in our lives. In this issue, I'd like to share insights on how we can be enablers of women's progress while staying aware of the realities and struggles they may face. I hope this helps us in empowering the women and girls in our midst.

When was the last time you received kindness from somebody? When was the last time you extended an act of kindness to someone else, and to what end? As it turns out, there can be tremendous merits and outcomes in paying forward a kindness received with a good deed to somebody else, especially when done out of gratitude. The concept of "Paying It Forward" is nothing new, but in our world, I believe we could do with more compassion and selflessness as it brings out the best in us.

As we begin a fresh year, it is a good idea to not just evaluate ourselves based on the previous year on how we have been managing our lives, but also to find out ways to become more productive as we move along. In this issue, I'd like to share with you some powerful ideas on productivity and how we can make the best of our resources, time, energy and capabilities. Let's do this!

In the words of Poet Ali in his TED Talk, "Every language we learn is a portal by which we can access another language"; the more we know, the more we can speak. To round off the year, I'd like us to take a moment to learn new concepts, stories and ways of seeking and connecting, which will empower us to adapt to the needs of others & ourselves in the way we relate, love, heal, and see possibilities. I hope this inspires you.

In a year where many of us are affected and perhaps feel powerless over our incomes amidst a pandemic, it is a good time to take stock of our financial health and confront our feelings about them & the way with deal with them. Whether we are young, middle-aged or senior, here are some important principles & practical tips on money management that we can fall back on which can go a long way into helping us optimise our finances and become financially wiser.

All of us would have people around us that we learn from in our lives. And people whom we in turn teach and need to be accountable to at some point - as students, working adults or parents. The better we are at relating and leading others into growth, the better we become as individuals. In this issue, I hope we can draw some lessons and wisdom from these materials that can help us cultivate values and cultures that we want in our lives and lift us up.

As humans, we often like to think we're right, even when we can be wrong at times. Many of us have the unconscious tendency to seek information that support our existing beliefs & disregard or undermine those that do not match ours. But doing so without awareness or questioning can have adverse effects in the way we think, make decisions & live our lives. Today, I'd like to share with you some potential consequences of confirmation bias & what we can do about them.

The world as we know it has changed for good on pretty much every level - from our lifestyles, to habits, to incomes and economy. As we navigate our way and find our place in trying times, it is important to stay grounded and keep the faith as we focus on seeing and creating opportunities, solutions & meaning. While there are no quick fixes in times like these, there's still a space for us to find ways to improve and cope better in our lives. I'd like to share them with you in this issue. Let's keep our heads up in choosing to persist in hope & good thoughts, and I believe we will emerge stronger than before.

As they dedicate their love and lives to their households and make constant sacrifices for their family’s & children’s well-being, mothers never retire. For all these, moms deserve more thoughts besides during Mother’s Day. But should mothers also think about planning their own retirement — financially speaking? In this issue, as we give tributes to all mothers, we would also like to give thoughts to a mother’s financial freedom. Mothers deserve a worry-free retirement as well.

Albert Einstein said, "Compound interest is the eighth wonder of the world. He who understands it earns it. He who doesn't, pays it."

Today's phone in our pocket has 100,000 times the power of the computer that landed man on the moon 50 years ago. Our world is evolving at breakneck speed today. The World Economic Forum projected that more new jobs will be created compared to the ones lost. Uncertainty remains about what these new jobs would be. But the time to change our approach to learning new skills has come. The time is now. The 4th Industrial Revolution has begun.

There are many new things to deal with at this time while we are being isolated from life-as-usual. A new lifestyle, a new future and something that can be quite subtle - a new kind of burnout. It should do us well to be aware about this so we can learn to disengage when we need to. I wish you and your loved ones good health and may you continue to stay safe!

Amidst a pandemic, the profound impact & discomfort of loss or the prospect of loss is felt almost universally. We may find ourselves and even those we care about feeling anxious & restless, which makes it challenging as we find ways to adjust not just physically, but also mentally & emotionally. At this time, emotional support for one another becomes ever more essential. Here, I'd love to share with you insights that can help us have a deeper understanding on the complex emotions that we may be dealing with, & the ways in which we can provide meaningful social support in our daily interactions through being present & holding space for others.

What the eyes cannot see is bringing countries to their knees as we write. The full impact of Covid19 is still unknown. It has ushered in a new reality for the World. Our lives will never be the same again. And Covid19 won't be the last. While we #fightasone, let's see how we can prepare ourselves and our children for this new future - together. Here are some good reads that I believe can help us rethink this new future and its possibilities. If you find these resources useful, please forward them to those you care about, especially at a time such as this. Cheers!

Here's wishing you and yours a very fruitful 2020, and the best is yet to come! Another year, and what better way to start it with a collection of thoughts that might turn out to touch your life for the better? I hope you could find something useful and share along with those you care about too. Cheers for a blessed 2020!

When the going gets rough, it can at times be easy to lose sight of what we set out to attain in our lives, be it in our personal endeavours, work or finances. The process of going & pushing through such situations may not be most comfortable, but persevering and talking about how to handle them is necessary. These are perspectives I found useful and inspiring. I hope this gives you hope.

In many ways, relationships are key to our well-being, as trusting, fulfilling relationships lay the foundation for our emotional health and security. But to work through relationships and trust matters aren't always linear or clean - they can be messy and raw. Here are some articles that I found incredibly valuable that enrich us in our personal and professional lives.

Change is hard. To force change is harder. They usually don't last. Perspectives however, are easier to accept. They change our minds and maybe that's what we need more than change itself. I hope you enjoy these articles.

These are some rather transformative articles that could help you and those you care about. So please be free to share them. I hope you find them beneficial. If you like them, do drop me a note and I'll be very glad to know I've added value and touched someone.

The lack of sleep being linked to chronic illnesses like diabetes and heart disease isn't a happy story. Certainly not for those of us who are more conscious about building happiness in life. Please share this newsletter issue with those you care about. We can impact lives together!

The Bucket List - chances are that you may not have made one. It is an interesting journey that we can take together. It's also a lot easier taking a peep at some of the most inspiring bucket lists that we have put together to share with you. Let's start one and live it out!

Since our taste buds are not working like black and white TVs. We know it's meant for some tasty good food. Yummy! Let's stay healthy, and also up our knowledge about making some nice interesting food. Here are some really good resources curated for you.

There's a man in Singapore, that every time he concludes a business deal, he would go buy a plant and plant it somewhere. It's a simple way of giving back. He was also able to disengage and be with himself while doing something meaningful, albeit how simple it was. In this issue are some more examples of such life's lesson that we can benefit from. All we need, is to just take some time, slow down and breathe in the fresh air.

There are just too many things that we know to be good for us, but have not yet become a part of us. Applying wise financial habits may be one of them. Here are some to learn about by seeing them from the eyes of a very successful woman - Oprah Winfrey. Change requires conscious efforts. I hope some of these thoughts will begin to be a blessing in your life. Cheers.

In case you missed the news, besides the big 3 - US, Russia & China, tiny Singapore would be the next to send a human into Space using a helium Stratospheric balloon capable of lifting an SUV. This is a 5 years arduous journey filled with many inspiring stories. A Visionary who saw the possibilities, followed by 150 applicants to be Singapore's first Astronaut, and finally an extraordinary individual to make the trip, laying his life on the line. Yet his project isn't about Space. It's about creating a better mental model for Singaporeans - that with the heart, mind and grit, we can do great things. Enjoy this historic moment.

Or rather, this issue is about learning the secrets of being interesting. Even calling it a secret is a little too much. In today's world of overwhelming information overload, it's about paying attention to certain things that some people do to make themselves more interesting than others. We can all do better in life with a little dose of this knowledge. So let's dig in!

In this issue, I'd like to do something different. All of the highlights are very interesting videos from TED talks about the way we think. The videos are between 15 to 30 minutes, but they are well worth your time I promise. Hope these resources will help create marginal changes in your life every so often. Let's be enlightened together!

Research seems to point to the fact that those who engages in deeper conversations with others are happier people. This is what I call a happy finding. It levels with what makes us human. We speak, we listen, we feel, we learn, we take and we give. And deeper conversations allow us to lift each other up.

In the last issue, we discussed how robots will change our lives in the future. It has become increasingly important for us to keep our minds on the ball, stay sharp and stay progressive. If half the jobs in 2020 are yet to be known to us, how can we prepare ourselves and our children today? To face a fast changing future, we need to first understand it. We need to try and take a peek into this future and start to embrace change.

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.

From a parent to a child, between friends and professionally in the workplace - there's something special about the role of story telling. And we've a lot to learn from the world's great story tellers. Some of the best are comedians, public speakers and politicians. But there's more. I hope the following articles will help you get started in this interesting journey of learning and exploration.

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?

The future seems to come at us at a faster pace than before. It brings along with it many questions. Will automation take over our jobs? What new jobs will be created? And which existing ones will be obsolete? How can we survive? Yet some things don't change. Understanding the things that will change and those that won't can help us carve out a better future.

Most of us find it hard to change even when we know we need to. If only it's as easy as a walk in the park. But once in a while, a certain change of perspective is all it takes. Hopefully, today can be one of those time for you. We can gain some insights and wisdom from these articles that are worth sharing.

Do we need to get better at time management? Or do we need to instead think about Time itself? More specifically, what it means to us - with the very limited time that we have. The answer would be different for each of us. But I'm rather certain that taking time to ponder about Time itself can be a fruitful thing to do.

The World Health Organization's latest report says diabetes has quadrupled in the past 34 years. It's certainly something that we should care about. Not just for us, but also our loved ones. Here's a starter to help us understand and prevent this disease better.

Health is important, so is a good life and great food! One of the great thing about being in Singapore is that there's always new food places to explore. In this issue, I'd like to bring you to a couple really good yummy places - wrapped up with a hilarious video you don't wanna miss.

Singapore is growing as a cultural center. But why is Art important? And how can Art, in its many forms make our lives better? Deep within all of us, there's a need for expression and appreciation. There's certainly more for us to explore and learn about Art. Do not miss the video below. Oh how beautiful this is ~ a celebration of art and life!

It is always quite refreshing to discover new things about our health. In this case, Vitamin C is one of those surprises. Do watch the video below till the end ~ it could be a life saver. But please seek your doctor's opinion as well.

The more we read, the more we can share. And sharing is caring. Here are a few interesting articles I'd like to share with you in this issue of my newsletter. Remember to pass it along to those whom you care about too.

It isn't the bucket either. One good news is that more people are now surviving cancer. The other good news is that life expectancy has increased from 75 to more than age 80. But hold that thought for a moment - it's only good news if one is financially prepared to survive such a critical challenge.

We may have thought that creativity is a realm belonging to a selected few. But is it? In this issue, we explore together some interesting stories that may strike a chord of inspiration for you. You can be creative too.

Testimonials & Referral Notes

Meet Choon Yuan and Alex for holistic financial planning

Hi Everyone,

We are glad to meet Choon Yuan and Alex for planning our finances. After listening to us and understanding what we need, they shared with us the pros and cons of various recommendations. They were never pushy nor hard selling us to buy products so we are glad that they are our trusted financial advisors. We will definitely recommend them to our friends in Singapore.

Yours truly,
Joel and Annie

Sharing on holistic planning & maternity insurance for young families with Jeremiah & Choon Yuan

Hi Everyone,

We are happy to share our experience with Jeremiah Li, my financial advisor. I must say, I am thoroughly impressed with his knowledge, expertise and customer service.

We are also assured by his level of care and dedication demonstrated in helping us purchase the right hospitalization and accident insurance plans. His expertise in this area is unparalleled, and he provided us with options and explained the nuances of each plan with great clarity and finesse.

Without hesitation, we would wholeheartedly recommend Jeremiah and Choon Yuan to anyone seeking top-tier financial advice and services. Their professionalism and exceptional service are beyond compare.

Yours truly,
Bernard Goh and Eileen Ng

Meet Kelly and Choon Yuan on advice for medical insurance

Hi Everyone,

I am glad to be contacted by Kelly and Choon Yuan on importance of medical insurance as healthcare costs in Singapore can be very expensive.

They shared with me the importance of total insurance planning, emphasizing importance of comprehensive hospital cover, accident cover and critical illness cover too.

Both of them are friendly and not pushy so I will not hesitate to recommend them to my friends and relatives, thank you everyone!

Yours truly,
Susan Chia

Meet Miki and Choon Yuan who plan for our family

Hi Everyone,

We are happy to have the opportunity to meet Miki and Choon Yuan when they took over AIA policies for our family. Miki and Choon Yuan ensured we have a good idea of our family coverage and did up insurance nomination for our policies too.

As part of holistic planning, Miki and Choon Yuan highlighted protection gaps and recommended solutions to grow our money too. In view of changing economic environment, they also recommended fund switch to improve performance of our existing investment plans with AIA and Great Eastern too.

We happened to love our food too, Miki and Choon Yuan also enjoyed the yummy wagashi made by me and they also shared CNY goodies and pastries with us too.

We trust Miki and Choon Yuan to put our needs as the top priority in planning for our family and we are happy to recommend them to our family and friends.

Yours truly,
Mr Lee Jit Heng & Elaine

Meet Chao Yong (Alex) and Choon Yuan for creating passive income stream

Hi Everyone,

I am Chao Yong (Alex)'s Aunt and I am glad that he and Choon Yuan share with me on how to create passive income streams through dividend. As a retiree, it is crucial that I manage my finances well so as to enjoy a happy retirement. I will be more than happy to recommend both of them to my friends who also share same concerns in retirement planning, thank you!

Yours truly,
Ms Evelyn Chan

Meet Choon Yuan and Kelly for holistic planning

Hi Everyone,

I am very happy to be contacted by Choon Yuan and Kelly as medical cost in Singapore is so high and I am looking for affordable insurance coverage. Instead of launching into sales pitch about which plan is best for me, Choon Yuan and Kelly focused on learning more about my background first, what insurance I used to have in the past. It is only after they have a clear understanding of my situation, then they recommend plans that suit my life stage and also my budget. I am so glad that I meet them and will not hesitate to refer them to my family and friends, thank you!

Yours truly,
Ms
Jessinta Joseph

Meet Choon Yuan on will writing, LPA and estate planning

Hi Everyone,

I knew Choon Yuan when we were classmates at SMU studying the Masters in Applied Finance. I am glad that Choon Yuan shares with me information on will writing, LPA and various aspects of estate planning. I will strongly recommend Choon Yuan to my friends and colleagues who need financial planning advice.

Yours truly,
Lai Seong

Meet Miki and Choon Yuan for insurance planning & retirement planning

Hi Everyone,

I am happy to meet Miki and Choon Yuan as my previous agent has left AIA. Both of them help me with my medical claims and also help me reduce the premium that I need to pay as I am nearing retirement age. I will strongly recommend them to my friends and colleagues for their friendly service, thanks!

Yours truly,
Mr Ong

Meet Choon Yuan to start your journey to financial freedom early!

Hi Everyone,

I am happy to be referred to Choon Yuan for financial planning advice by my relative. Choon Yuan shared with me the various factors to consider for a young person in her 20s. It is always better and wiser to embark on your journey to financial freedom early in your career and I am glad to meet Choon Yuan. I will be happy to recommend Choon Yuan to my friends and colleagues, thanks!

Yours truly,
Alicia

Meet Choon Yuan for retirement planning and passive income

Hi Everyone,

I met Choon Yuan through my sister and I am glad to work with him on my retirement planning. Choon Yuan shared with me how CPF helps singaporean with their retirement and also how to make my money works harder for me by creating passive dividend income stream. I am more than happy to recommend Choon Yuan to my friends who are in the same age group and who all have concerns about their own retirement. Thank you!

Yours truly,
Louise

Meet Choon Yuan & Jeremiah on medical insurance

Hi Everyone,

We are very glad to be contacted by Choon Yuan & Jeremiah as we just had a baby. They shared with us changes on hospital plan due to cancer drug list. They also shared many examples on medical claims and the importance of hospital plans, personal accident and critical illness plans. Overall the session with them are informative and they do not hard sell but spent time to listen to us.

We will not hesitate to refer them to our friends and colleagues, thank you!

Yours truly,
Tricia & Felix

Meet Choon Yuan & Jeremiah on holistic insurance planning

Hi Everyone,

I am very glad to be contacted by Jeremiah and Choon Yuan. I find Singapore healthcare cost to be very high and the insurance claim process to be complex. So I was glad when Jeremiah and Choon Yuan took the time to explain to me how the claims process work and the importance of insurance for my family too! Session with them are full of information and they are very professional too.

I will definitely refer my family and friends to them, thank you!

Yours truly,
Rajee Muhammad

很高兴遇到 Choon Yuan and Jeremiah

Hi 大家好,

我非常高兴 Choon Yuan and Jeremiah 与我联络。刚好我有一些 AIA保单, 可以请教这两位理财顾问。他们跟我分享, 意外保险可以保障年长人士, 万一不小心跌倒, 还是遇到意外, 就可以从意外保单索取赔偿。我非常感恩，也非常高兴遇到他们两位。如果我有朋友一定介绍给他们。谢谢！

Yours Sincerely,
Mdm Lee Yuen Hoe

Meet Miki and Choon Yuan to learn more about planning for your retirement & insurance

Hi Everyone,

When my previous agent left AIA for another company, I felt loss. It was a blessing in disguise as Miki and Choon Yuan contacted me, telling me that they are the consultants who will be taking over servicing of my AIA policies. Since then, both of them have me updating me on changes in integrated shield plans and also CPF to help me retire more comfortably.

We always have a lot to talk about and I am very happy to recommend Miki and Choon Yuan to my friends and colleagues.

Yours truly,
Cat Chua Tsui Ying

Meet Choon Yuan, my trusted financial advisor

Hi Everyone,

I am glad to be served by Choon Yuan, who not only helps with my company insurance claims and also advises my family on my personal insurance too! Choon Yuan is very patient and professional and he always takes the time to listen to me. I would not hesitate to recommend Choon Yuan to all my friends and colleagues. Thank you!

Yours Sincerely,
Mohammad Tariq Javed

Meet Choon Yuan and Eileen for planning and service

Hi Everyone,

We contacted AIA Call centre because we want to find out about our AIA policies that we bought many years ago. We are happy to be served by Choon Yuan and Eileen, they went through our policies details, enhance our medical coverage and was able to address our questions, we are very happy with their service!

Therefore, we will recommend Choon Yuan and Eileen to our family and friends, thank you!

Yours truly,
Mr Omar and Mdm Nurlela

Meet Choon Yuan & Jeremiah on retirement planning

Hi Everyone,

I am glad to be contacted by Choon Yuan and Jeremiah on planning for my retirement. Besides sharing on how to grow my money and build up passive income, they
also shared with me the importance of holistic coverage .

I am impressed by their level of service and will recommend my family and friends to them, thank you!

Yours truly ,
Mohamad Afiz Bin Jumaen

Meet Choon Yuan & Jeremiah on retirement planning

Hi Everyone,

I am glad to be contacted by Choon Yuan and Jeremiah on planning for my retirement. Besides sharing on how to grow my money and build up passive income, they also shared with me the importance of personal accident plan which is relevant to my current job.

I am impressed by their level of service and will recommend my family and friends to them, thank you!

Yours truly,
Samuel Lim Jo Wei

相信俊元 (Choon Yuan)，帮我投资，让我的退休有保障。

Hi 大家好,

我非常感谢俊元 (Choon Yuan)，帮我管理我的投资，他会打电话跟我联络，让我了解我在AIA 的投资有没有赚钱。

如果你在投资方面需要帮忙，请跟俊元联络。谢谢大家!

Yours truly,
Lim Siew Loong

Meet Choon Yuan who plans holistically for my family

Hi Everyone,

I worked with Choon Yuan in Barclays and I am glad that he now advises me on planning holistically for my family. This ranges from retirement planning, medical coverage and tax savings through SRS. Choon Yuan will update me on the latest industry changes, such as the effect of MOH Cancer Drug List and how IP plans will no longer offer as-charged coverage for outpatient cancer treatment.

I will be more than happy to recommend my family and my friends to Choon Yuan for financial advice, thank you!

Yours truly,
William

Meet Choon Yuan and Kelly for holistic financial planning

Hi Everyone,

We met up with Choon Yuan and Kelly after being referred by my cousin. Both of them focused on our dreams and financial goals as a family, instead of purely recommending plans across.

Choon Yuan is able to showcase a full suite of solutions, and often explaining in detail how each solution will bring me to my goal.

We also highly appreciated that they are both well prepared, and able to provide data to backup their recommendations. Also, they are always willing and quick to respond to our questions and doubts.

Lastly, we were pleasantly pleased by receiving hard copy versions of our policy summaries and overview of quotations. This is hard to come by especially in this society where most have gone online.

By the way, Kelly is great with kids! We had no qualms leaving our daughter Kai Ling with her while we concentrated on the session with Choon Yuan.

We are happy to refer them to our family and friends!

Yours truly,
Michael & Kerry

Choon Yuan & Jeremiah 让我们对保险有更深一层的了解

Hi 大家好,

我和我先生是通过JOYRE TCM SPA 认识Choon Yuan and Jeremiah. 我们觉得他们不同的一点是, 他们让我了解如何拿到意外保险的赔偿。除此之外, 他们也与其他保险工作人员不一样, 他们很关心我先生的健康状况, 想办法帮我先生获得更完善的医疗保障。他们也不会强迫我们买什么保单，给我们留下一个非常好的印象。

我们对他们的服务很满意，他们非常乐意助人。我也会很乐意介绍我的朋友和同事给他们，谢谢大家。

Yours Sincerely,
Mr Koh and Mdm Ang

Meet Choon Yuan on advice in wealth management

Hi Everyone,

I was contacted by Choon Yuan during the AIA Singtel Retirement planning campaign.

For my retirement planning, Choon Yuan took the time to understand what policies I already had in my portfolio, he took the effort to listen to my needs and priorities before recommending solutions that will make my money work hard to beat inflation.

Choon Yuan provides a personal touch to his clients. I would like to personally thank him for his professionalism and I will definitely be recommending him to my friends and colleagues in the future.

Regards,
Godberg Tan

Meet Choon Yuan for holistic planning

Hi Everyone,

I got to know Choon Yuan because we were ex-colleagues. What differentiates Choon Yuan from other financial advisers is he believes strongly in providing holistic financial planning for his clients. So it is never about a single product pitch. Choon Yuan takes the time to understand my situation and gives me a good overview of my overall insurance portfolio.

I am glad Choon Yuan is my financial adviser and I would be happy to recommend him to my family and friends.

Regards,
Karen Er

Meet Choon Yuan for financial advice

Hi Everyone,

I was referred to Choon Yuan by my ex-colleague and good friend. We shared a lot of common areas as PMET in our corporate career. Choon Yuan understands the struggle and concern of a local PMET, such as job security and not having enough to retire.

Choon Yuan is an active listener, and I am impressed with his 'Serve, not Sell' approach. I am happy with Choon Yuan's service, helping me with my nomination and I will not hesitate to recommend him to my friends, thank you!

Yours truly,
Philip Lee

Meet Choon Yuan for advice and prompt service

Hi Everyone,

I got to know Choon Yuan through the AIA Singtel customer promotion. Choon Yuan updated on my family's plans with AIA and he was prompt and helpful.

Every session with Choon Yuan has been very informative. I am glad Choon Yuan is my financial adviser and we are more than happy to recommend him to our family and friends.

Yours truly,
Judy Ang

Meet Jeremiah and Choon Yuan on advice for critical illness cover

Hi Everyone,

I have been existing client of Choon Yuan for years. Due to restriction on hospital shield plan in covering off-label cancer treatment, I am glad to have Jeremiah and Choon Yuan advise my family on enhancing critical illness cover. I will not hesitate to recommend Choon Yuan & Jeremiah to my friends and colleagues for financial advice. Thank you!

Yours truly,
Edmund Heng

Meet Kelly and Choon Yuan on advice for long-term care insurance

Hi Everyone,

I am glad to be contacted by Kelly and Choon Yuan on enhancing my long-term care insurance which is fully funded by my medisave.

Both of them also shared with me on how to grow my money in view of rising inflation. I also appreciate their gesture of having cakes for me.

I will look them up in future if I have any further queries on how to make my money work harder for me.

Yours truly,
YT Lim

Meet Choon Yuan for holistic planning

Hi Everyone,

I got to know Choon Yuan through the AIA Singtel customer promotion. But we lost touch for a while and only reconnected a year later. Subsequently, I introduced my husband, Wilson, to Choon Yuan. We are both glad that Choon Yuan took the time to understand our needs and financial goals and explained to us how to plan holistically. Every session with Choon Yuan has been very informative.

Choon Yuan also used the goalsmapper software to help us visualize our evolving needs as we start our family. We are glad Choon Yuan is our financial adviser and we are more than happy to recommend him to our family and friends.

Yours truly,
Jenny and Wilson

Meet Hui Wen & Choon Yuan on advice for critical illness cover

Hi Everyone,

I am glad to be contacted by Hui Wen and Choon Yuan on enhancing critical illness coverage in view of changes to hospitalization shield plan.

I had an very informative session with both of them and it was a nice chat in McDonald’s. I will look them up in future if I have any further queries.

Yours truly,
Mr Thiagu

Meet Kelly and Choon Yuan on advice for long-term care insurance

Hi Everyone,

We are both glad to be contacted by Kelly and Choon Yuan on enhancing our long-term care insurance which is fully funded by our medisave.

Both of them are nice and not pushy and we actually forgot about their cakes for us but Choon Yuan took the effort to rush over to hand us the cakes. We will look them up in future if we have any further queries.

Yours truly,
Jay & Cheryl

Meet Choon Yuan and Shawn for updates on hospital coverage

Hi Everyone,

I have been working with Choon Yuan and Shawn on my personal financial planning for more than 2 years. They made the effort to update me regularly on my portfolio and also followed me to check out my latest boxing club too! I am really happy with their service and will readily recommend them to my friends and colleagues who value financial advisors who have a heart for their clients.

Cheers,
Shafi'ie

Meet Choon Yuan and Miki on total insurance planning

Hi Everyone,

I am glad to be contacted by Miki and Choon Yuan on CareShield Life. After realizing that I have already enhanced my CareShield Life, Miki and Choon Yuan did not hard sell me and ask me to buy something that I already have.

They shared with me the importance of total insurance planning, emphasizing importance of comprehensive hospital cover, accident cover and critical illness cover too. In addition, Miki also shared with me how to eat a healthy diet, stay away from curry rice and encourage me to take supplements like fish oil and calcium to lead a healthy lifestyle.

Both of them are super friendly and I will not hesitate to recommend them to my friends and relatives, thank you everyone!

Yours truly,
Steven Ngo

Meet Choon Yuan who is a knowledgeable and reliable financial advisor

Hi Everyone,

I get to know Choon Yuan through my good friend, Dr Thiyagu, who recommended me because Choon Yuan is a knowledgeable and reliable financial advisor.

Choon Yuan shared with me holistic planning to ensure that I enjoy both bills protection in terms of hospital cover and personal accident cover and also income protection in terms of critical illness cover.

I am very happy with Choon Yuan’s service and financial advice and I will not hesitate to recommend him to my friends and colleagues who are looking to enhance their insurance coverage. Thank you everyone!

Yours truly,
Mr Udhaya

Meet Choon Yuan for a chat on planning your finances

Hi Everyone,

I got to know Choon Yuan when he contacted me because of the Singtel – AIA partnership. At that time, I was a fresh graduate and Choon Yuan shared with me concepts of holistic planning and how to budget so that I have adequate coverage and also make my money work hard for me.

Choon Yuan was not pushy and he did not try to hard sell me any products and he said when I am ready to take on the plans he recommended, I can let him know. He also followed up with me on regular basis, sometimes catching up over coffee and highlighted that my parents should have basic coverage as well.

If you are looking for someone who plans by placing your interests first before theirs, I strongly recommend that you meet Choon Yuan for a chat, thank you!

Warmest Regards,
Brandon Kang

Meet Choon Yuan for family financial planning

Hi Everyone,

I am referred to Choon Yuan by my good friend who said I can trust Choon Yuan to plan for my family because he puts my interests first.

As a parent with young children, I worked with Choon Yuan to ensure that my family has adequate cover for hospitalization, personal accident and critical illnesses. Choon Yuan explained to me in layman terms, allowing me to understand easily. He also tried to stretch my dollar so that I can get the best bang for the buck.

Depending on my work schedule, we meet up over zoom or face to face. During one of the appointments, Choon Yuan asked me for my permission to bring along his associate, Jeremiah, to be a silent observer in how a client appointment would be like. I am happy for Choon Yuan that he has aspirations to move up as a manager, coaching junior consultants and I will not hesitate to recommend Choon Yuan to my friends and colleagues for financial advice. Thank you!

Warmest Regards,
Mr Narayanam Janakiram (Ram)

Meet Choon Yuan for insurance related queries

Hi Everyone,

Choon Yuan and I were classmates back in NUS Chemical Engineering days since 1998! Later we even became colleagues at Deutsche Bank. Choon Yuan has always come across as somebody who is very adaptable and he has managed to switch career from Oil Industry to Banking Industry and now AIA! Choon Yuan impresses with his warm and sincere personality, and a passion to strive for excellence in everything he does.

While working with Choon Yuan on financial planning, I am amazed at how Choon Yuan leveraged on his past experience to explain to me complex insurance concepts in layman terms. So if you have any insurance related queries or queries on retirement planning, do not hesitate to approach Choon Yuan for advice. He’s someone who offers not just the technical expertise, but sincerity to optimize your protection and financial management. I am more than happy to recommend Choon Yuan to my colleagues and friends. Thank you!

Yours truly,
Christina

Meet Choon Yuan and Miki for financial planning for whole family

Hi Hi Everyone,

We got to know Choon Yuan and Miki through the Lolly’s Secret storytelling event at Kiztopia. We are both glad that Choon Yuan and Miki took the time to understand our needs and financial goals and explained to us how to plan holistically for both wealth protection and wealth accumulation.

They are very friendly and warm and we shared our coffee with them while they bought durians for us, it was a lot of fun! We also recommended our favorite Indian massage to Miki! We are glad that Choon Yuan and Miki are our financial advisers and we are more than happy to recommend them to our colleagues and friends.

Yours truly,
Ramanathan Rajamarthandan & Selvapriya Ponnu

Choon Yuan gives me the confidence that he will service my policies well

Hi Everyone,

I was approached by Choon Yuan when my existing adviser left AIA. Choon Yuan was prompt in his response when I made some policy service requests, and he helped to address the requests in ways that worked the best for me. Choon Yuan also explained to me in clear and concise manner. Choon Yuan gives me the confidence that he will service my policies well and I have no hesitation to recommend him to any of my friends and colleagues for financial advice. With his experience in the industry and professional knowledge, I trust that he will be able to provide the most reliable advice. Thank you!

Yours truly,
Benjamin Huang

Meet Choon Yuan & Shawn for holistic financial advice

Hi Everyone,

I got to know Choon Yuan and Shawn because their agency (Strategic Alliance) was the provider of employee benefits for my company. Due to the nature of my job, I have been looking to enhance my personal accident coverage so it was timely that Choon Yuan and Shawn contacted me. They shared with me the importance of accident cover and the experience interacting with these 2 gentlemen had been pleasant and they were not pushy and there was no hard selling. They try to understand and addressed my needs and they were experienced consultants who have been serving employees of my company since 2019. They also shared with me the importance of will writing too.

I will not hesitate to recommend my colleagues and friends to Choon Yuan and Shawn if they need any financial advice, thank you!

Yours truly,
Wah Meng

Meet Choon Yuan and Miki for holistic planning

Hi Everyone,

I got to know Miki and Choon Yuan when I called AIA enquiring about critical illness cover. I was pleasantly surprised that instead of 1 adviser, I get to be served by 2! Moreover, Miki and Choon Yuan did not hard sell me the latest critical illness plan. Instead, they took the time to understand my needs and explain to me the importance of planning holistically instead of focusing on just one type of plan.

Since young, I am a beneficiary of insurance and understands the importance of adequate coverage. I am glad that Miki and Choon Yuan are my financial advisers and I am more than happy to recommend them to my family and friends.

Yours truly,
Fadhil Tugiman

Meet Choon Yuan on systematic approach on investment

Hi Everyone,

We were approached by Choon Yuan when our existing adviser left AIA. We just had a baby and was thinking of planning for our daughter’s education. Moreover as COVID-19 experience has shown us, we found retirement may sometimes be forced unto us when economy is not doing well. So we checked with Choon Yuan on how to better plan for our retirement when job security is a concern.

We are glad that Choon Yuan presented the pros and cons of various retirement solutions and allow us to make informed decision on what type of solution best suits our budget and family situation.

Because Choon Yuan had prior experience in financial markets while working for many years in banking industry, we felt assured by his regular updates on investment and his track record in investing as well.

We would like to personally thank Choon Yuan for his professionalism and we will definitely be recommending him to our friends in the future.

Yours truly,
Julie and Kah Leong

I was referred to Choon Yuan by my good friend

Hi Everyone,

I was referred to Choon Yuan by my good friend. Choon Yuan made use of the goalsmapper tool in planning for my investment and my retirement. With goalsmapper, I was able to quantify what was my retirement shortfall and worked together with Choon Yuan to map out a feasible plan to ensure I stayed on track for my financial goals. I particularly liked the various scenario analysis in Goalsmapper.

Besides Goalsmapper, Choon Yuan also shared with me other topics such as financial markets, estate planning, dollar cost averaging as a tried and tested way to keep my emotions at bay and profit from a volatile market.

I am happy to recommend Choon Yuan to anyone who values holistic planning and using Goalsmapper for financial planning.

Yours truly,
Claire

Meet Choon Yuan who plans for our family

Hi Everyone,

Since our previous agent left AIA, we had the opportunity to meet Choon Yuan when he took over the policies for our family. He ensured we have a good idea of our family coverage. Choon Yuan helped to follow up on outstanding claims and also shared on how to make our money work harder than leaving it in the bank.

Choon Yuan also drafted an insurance summary for us so that we can better manage premium payments to avoid lapsing our various AIA policies.

Choon Yuan is also a foodie and he loves to share his family’s baking with us, such as snow skin mooncakes and pineapple tarts during festive seasons.

I find Choon Yuan to be prompt in his follow-up and would not hesitate to recommend him to my family and friends.

Yours truly,
Kennieth and Sharon

Meet Choon Yuan, there was never any pressure to buy a product simply to close a sale.

Hi Everyone,

My previous agent left AIA and I am glad that Choon Yuan took over the policies for my family. Choon Yuan met up with me and my wife to ensure we have a good idea of our family coverage. There was never any pressure to buy a product simply to close a sale. Hence, I truly believe that he will put my needs as the top priority.

Recently, my son had to go for ACL surgery, Choon Yuan tried his best to help with medical related queries and has the patience to explain in details. He also shared on how I can make my SRS money work harder for me.

I find Choon Yuan to be prompt in his follow-up and would not hesitate to recommend him.

Yours truly,
Lian Yu Meng

Meet Choon Yuan for investing advice

Hi Everyone,

I am glad that Choon Yuan contacted me and shared with me on the tried and tested way to grow and invest my hard-earned money through dollar cost averaging. Choon Yuan also helped me understand the power of compounding and staying invested for the long term. I am glad to learn that by starting young and early, I will have accumulated a sizable amount for my retirement.

In addition, Choon Yuan also took the time to find out from me what coverage I had and my needs and priorities before proposing any solution.

I would like to personally thank Choon Yuan for his professionalism and I will definitely be recommending them to my friends and colleagues in the future.

Yours truly,
John Ho

Meet Choon Yuan who goes the extra mile for me

Hi Everyone,

Choon-Yuan Wong is my agent for my life insurance policy. He has been extremely courteous and helpful in his services. He is not only an agent but also good financial planner and he is very professional in his work and had provided very valuable advises for my financial planning. He is always ready to help and went the extra mile to fully understand my financial situation before providing the most appropriate solutions. He is definitely more than just a financial planner and an agent, he is a good friend as well. Thanks a lot, Choon-Yuan Wong.

Yours truly,
Vinay Kumar Suryadevara

Meet Miki and Choon Yuan on total insurance and holistic planning

Hi Everyone,

I am glad that Miki and Choon Yuan contacted me and shared on the importance of total insurance and holistic planning.

I may not know much about the details of insurance so I have many questions for both of them. Interestingly, I find their explanation to be clear and concise and they shared with me many claims’ examples. They really took the time & effort to listen to my needs and priorities and I would like to personally thank them for their professionalism and I will definitely be recommending them to my friends and colleagues in the future.

Yours truly,
Mr Louis David, IT Professional

Meet Choon Yuan & John for retirement planning

Hi Everyone,

I would like to leave a testimonial for Choon Yuan & John for helping me with my retirement planning. I have my AIA policy for many years and I will be retiring in a few years' time. So it was timely when Choon Yuan & John approach me to share on various options so that I need not pay premium for life especially when I stopped working; and have the flexibility to topping up or withdrawing from my policy when the needs arise.

I find the explanation provided by Choon Yuan & John to be clear and concise. They really took the time & effort to listen to my needs and priorities and I would like to personally thank them for their professionalism and I will definitely be recommending them to my friends and colleagues in the future.

Yours truly,
Mdm Rosnayati

Meet Wong who goes the extra miles

Hi Everyone,

My financial advisor Wong from AIA.
He go extra miles, even the staff from KKH was amazed 👏 Thank you so much Wong Choon Yuan. 感恩感谢帮助我的人和我爱❤的家人。进入人生的另一个的旅程。人生打不到的不到翁。

Sincerely,
Iris Neo

Meet Choon Yuan who is sincere and passionate about helping others

Hi Everybody,

I got to know Choon Yuan as he is the financial consultant representing AIA which provides employee benefits for the company I am working in. Before I knew him, I had thoughts of doing investments to grow my money, but for years, never took the first step. Choon Yuan took time to share with me how I could do so and answered my many questions and doubts about investing. He was polite and patient, guiding me through the process until I felt confident to do my first investment.

Because of my personal experience working with him, I was comfortable to seek his advice when planning for my parents' medical coverage. My family and I have benefitted from his service. It was also from one of the consultations that he helped my parents recall they had bought an integrated shield plan which they forgot about. As a sincere adviser passionate about helping others, Choon Yuan will be someone I would recommend to my family and friends.

Sincerely,
Sherry Hung (Ms)

I would strongly and whole-heartedly recommend Mr. Wong to anyone, who could be reading this testimonial.

Hi Everyone,

My wife and I were looking to upgrade our insurance policies and we were introduced to Mr. Wong Choon Yuan from AIA Insurance.

During our first and second meetings with him, Mr. Wong demonstrated his professionalism in his fields of works with lots of patience. He explained to my wife in mandarin, as she is not well verse in English. Naturally, in the end, we bought the policies from him.

On one occasion, I encounter some issues with my other insurance agent when I called him to make enquiries. As such, I called Mr. Wong to ask him about the insurance policy which I bought from another insurance company. As expected, he was very friendly and patient and gave me some useful advice even though the policy is not from AIA.

I would strongly and whole-heartedly recommend him to anyone, who could be reading this testimonial.

Yours truly,
Hung Kin Kwong

I appreciate Choon Yuan's attention to detail and professionalism

Hi Everybody,

Choon Yuan and I were colleagues back in Deutsche Bank. My original agent from AIA had left long ago and I wanted a review of all my policies so I asked Choon Yuan to take over as my consultant.

To help me grow my money, Choon Yuan took the time to listen to my needs and priorities before providing several options that would be best for me. I have recently invested in a fund with no lock in period and a better return than bank deposit rates and beats inflation too.

I appreciate his attention to detail and professionalism and will definitely be recommending him to my friends and colleagues in the future.

Yours truly,
Kong Hong May

Meet my financial advisor who helps in my retirement planning

Hi Everybody,

Before working with Choon Yuan, I did not have a financial advisor who aggregates all my plans to tell me how each of my plans complement one another. Fortunately, I was contacted by Choon Yuan during the AIA Singtel Retirement planning campaign.

For my retirement planning, Choon Yuan took the time to understand what policies I already had in my portfolio, he took the effort to listen to my needs and priorities before recommending solutions that are both affordable and cost efficient. He also provided a projection of my CPF lump sum pay out at age 55 and CPF life monthly pay out at age 65.

Choon Yuan provides a personal touch to his clients. We are good friends and shared common interests in Yuzu Citron Chiffon Cake and appreciate a nice cup of coffee! I would like to personally thank him for his professionalism and I will definitely be recommending him to my friends and colleagues in the future.

Yours truly,
Margaret Zhu

Meet Choon Yuan who plans for my family

Hi Everyone,

I would like to leave a testimonial for Choon Yuan, my financial advisor. Before working with Choon Yuan, I did not have a dedicated financial advisor servicing me. Fortunately, I was contacted by Choon Yuan during the AIA Singtel Step Challenge campaign. To be honest, I am sceptical in the beginning but I was also re-assured by Choon Yuan’s website that contains the testimonials written by his clients.

Choon Yuan took the time to understand what policies I already had in my portfolio, he took the effort to listen to my needs and priorities before recommending solutions that are both affordable and cost efficient. He also regularly updates me with newspaper articles on financial planning, including changes in medical insurance and developments in the financial markets. I am glad that he handled my daughter’s accident claim promptly and filed an appeal to get the claim approved eventually. Although my wife's application was rejected, Choon Yuan made an effort to appeal. AIA countered-offer with an exclusion but Choon Yuan recommended us to try submitting again after getting a fresh medical report. Choon Yuan has been following up with my wife and I believe he will continue to follow up. His approaches demonstrated he is not a pushy advisor.

Choon Yuan provides a personal touch to his clients. We are friends and shared common interests in keeping fit and staying healthy. I would like to personally thank him for his professionalism and I will definitely be recommending him to my friends and colleagues in the future.

Yours truly,
Jason Lee

Meet John and Choon Yuan for sound financial advice!

Hi Everyone,

We are both glad to meet up with John and Choon Yuan. It has been a while since we have bought AIA policies but we thought it is high time to take a holistic look at what we have bought and to re-assess if these policies are still relevant to us.

We both like how John and Choon Yuan understand our needs and listen to our dreams and aspirations for our retirement. Both of them provide a personal touch. Before working on growing our money, Choon Yuan drew up our insurance summary on 1 page. They focused on making sure our medical coverage is sufficient first. Next, Choon Yuan drew up a spreadsheet to help us analyze the charges of investment linked plans from another company. This allows us to independently assess pros and cons of the various plans, without getting confused by all the sales and marketing features. As a result, we are more certain of what we are paying for. If you value clarity and advisers who are trustworthy, feel free to speak to John and Choon Yuan today, thank you!

Warmest Regards,
William and Serene

Meet Choon Yuan for holistic approach to wealth accumulation

Hi Everyone,

I am glad to be contacted by Choon Yuan. Instead of trying to hard sell me another policy when we first met, Choon Yuan strived to understand my needs and priorities first. He shared with me tips on how to grow my money in a systematic manner and numerous newspaper articles on what are the recommended approaches to grow my wealth and plan for retirement. Choon Yuan uses a spreadsheet to project my monthly pay-out for CPF Life and shared with me the effect of inflation on my retirement fund. I am very happy with his service and I would gladly recommend Choon Yuan to my friends and colleagues.

Regards,
Liow Chong Wei

Meet Choon Yuan on how to plan for protection in cost efficient manner!

Hi Everyone,

I am glad to be contacted by Choon Yuan. Instead of trying to hard sell me another policy when we first met, Choon Yuan asked me to look through his personal website to get to know him better first. Choon Yuan strived to understand my needs and priorities first and he also shared with me the importance of having a comprehensive medical coverage when I am still young and healthy. The solutions were affordable and cost efficient for someone like me who has just started working. I even recommended my brother to Choon Yuan too! I am very happy with his service and I would gladly recommend Choon Yuan to my friends and colleagues.

Regards,
Charmaine Wong Kai Lin

Meet Joan and Choon Yuan for systematic approach to retirement planning

Hi Everybody,

I had experienced several changes of servicing agents as they never stayed long in this industry. Therefore, I was glad that my family policies were finally taken over by Joan and Choon Yuan. When I worked with Joan and Choon Yuan, they seek to understand my concerns first as a retiree and shared with me the importance of how a hospital rider and personal accident plan can enhance my medical coverage. They also helped me with reconstruction of my existing portfolio so that I get to withdraw my money for retirement and lock in the profits of my investments. They also mapped out a timeline of when my various saving plans would mature, providing certainty of my retirement income stream. If you are not sure whether you have comprehensive medical coverage or unsure about having enough for retirement, why not speak to Joan and Choon Yuan for a better understanding. Thank you!

Yours truly,
Jonathan Siew Hing Yun

Meet Choon Yuan who plans for my family holistically using Goalsmapper

Hi Everyone,

It was a breeze working with Choon Yuan on my family’s financial planning. Choon Yuan worked together with my wife and I on drawing up a summary of our insurance coverage. This allowed us to have a clear idea of what we have and what we are paying for. Choon Yuan helped us restructure our portfolio so it is more aligned to our needs and our current life stage.

In terms of retirement planning and investments, Choon Yuan also used the Goalsmapper software to help us project what our passive income and coverage will be when we retire so that we can identify any protection gaps and retirement shortfall in advance.

Choon Yuan also helped in arranging for medical check-up to allow me to get coverage in private hospitalization and early critical illnesses. Choon Yuan is different from other financial advisers as he partners us in making decisions in our planning rather than trying to sell us products. I am very satisfied with his after-sales service and would gladly recommend Choon Yuan to my relatives and friends.

Yours truly,
Sean Lim, Sales Director

Meet Choon Yuan & Jorene to grow your money and advice on adequate critical illness coverage

Hi Everybody,

I got to know Jorene and Choon Yuan because their agency (Strategic Alliance) was provider of Employee Benefits for my company. Besides sharing on the importance of having adequate coverage for critical illnesses, they have been following up with me regularly and updating me on the latest changes in medical coverage.

In addition, with banks cutting interest rates on savings account, Jorene and Choon Yuan have also updated me on the various ways to help my money grow faster than leaving it in the bank.

I am very satisfied with their service and I will not hesitate to recommend them to my friends and colleagues, thank you!

Yours truly,
Abby Koay

Meet Choon Yuan for prompt service and investment advice

Hi Everyone,

I got to know Choon Yuan because his agency (Strategic Alliance) was provider of Employee Benefits for my company. Strategic Alliance had been engaging my company in various webinars such as Cancer Awareness and Office Ergonomics. I had been working in Singapore for a number of years but I had not really got a chance to review my coverage until I worked with Choon Yuan. He explained to me and my wife, Rohini, on how to integrate our corporate insurance with personal insurance so that we don’t overpay for insurance and my family is also adequately protected from any unexpected events. Besides insurance, Choon Yuan also shared with us on how to invest profitably through dollar cost averaging. In terms of service, I am glad that Choon Yuan always follow up with me and he regularly shares with me newspaper articles on investment and financial planning in general. We are more than happy to recommend Choon Yuan to our friends and colleagues, you will have no regrets!

Yours truly,
Raj and Rohini

Meet Choon Yuan for professional advice on hospitalization coverage

Hi Everyone,

I am glad to be contacted by Choon Yuan because I had lost contact with my previous AIA agent. Choon Yuan took over as my servicing agent and explained to me what I could do with my various AIA policies. Taking a holistic approach, Choon Yuan also explained how my other policies work even though they are not AIA policies. As I am concerned about the expensive medical bills in Singapore, Choon Yuan assured me by going through with me various claims examples for the integrated shield plan funded by our CPF Medisave account. Most of the time, we kept paying for our insurance but we forgot what we were paying for. Therefore, it is important to have a review to refresh our memory. I am happy with Choon Yuan’s service and I would not hesitate to recommend my friends and colleagues to Choon Yuan, thank you!

Yours truly,
Ms Jenny Sutanto

Meet Choon Yuan and Jorene who were very prompt with my claims

Hi Everyone,

I am glad to be contacted by Jorene and Choon Yuan. Instead of trying to sell me another policy when we first met, they took time to understand about my background and needs first. Jorene and Choon Yuan focused on sharing with me what I can do with my existing insurance policies and they were very prompt and responsive in helping me settle my insurance claims. They also recommended doctors to me so that I could receive the best possible medical care with my hospital insurance. Whenever I had questions on how to claim, they would advise and guide me on how to file a proper claim so that I do not have to worry at all. I truly believed that all insurance agents should service their clients properly, just like the way how Choon Yuan and Jorene had been helping me. I am very happy with their service and I would gladly recommend them to my friends and colleagues.

Yours truly,
Mr Yan Thiam Hock

Meet Joel and Choon Yuan for Wills, LPA and independent audit of your insurance portfolio

Hi Everyone,

I got to know Joel and Choon Yuan because their agency (Strategic Alliance) was provider of Employee Benefits for my company. During our first meeting, Joel and Choon Yuan shared with me the importance of Will writing and LPA. Due to my past work experience, I have witnessed many care givers struggling without Wills and LPA. After a thorough review of my existing policies, Joel and Choon Yuan highlighted key areas of concern which I was previously unaware of. They shared with me the pros and cons of various approaches to resolve my policy issues, this allowed me to make an informed decision. They were very prompt in answering my queries and they also recommended cost effective solutions to enhance my coverage in hospitalization and personal accident. My daughter and I were very glad to have met up with Joel and Choon Yuan. I am firm believer in reviewing my policies regularly as things may change without my knowledge so we should not take things for granted. We would not hesitate to recommend them to my friends and family. Thank you!

Yours truly,
Mr Milton and Miss Eckshar

Meet Choon Yuan who is a strong advocate of holistic financial planning

Hi Everyone,

Before I started working with Choon Yuan on financial planning, I had another agent who was sales driven and recommended me plans that I could not afford in the long run. But Choon Yuan is different. Choon Yuan was very patient and he took time to understand what policies I had, and drew up an insurance summary on a spreadsheet. Besides learning about what I have now, Choon Yuan also find out about where I want to go and recommend me cost efficient solutions to help me reach my financial goals. Choon Yuan always ensured I do not overspend on insurance. His recommendation focused on achieving more coverage with less premium. To get higher and guaranteed return, Choon Yuan also recommended that I keep my money in CPF instead of investing my CPF money in single premium investment linked plans. I find Choon Yuan to be a strong advocate in adopting a holistic and systematic approach in financial planning. I had also benefitted from Choon Yuan’s help on how to apply for critical illness plans with pre-existing condition. I am very happy with Choon Yuan’s service and I shall not hesitate to recommend him to my friends and colleagues.

Regards,
Mark Chen Gerong, WeWorks

Meet Choon Yuan & Shawn as they are my financial GPS

Hi Everyone,

I got to know Shawn and Choon Yuan because their agency (Strategic Alliance) was provider of Employee Benefits for my company. Because of my personal experience and also because of my work experience, I am strongly aware of the importance of insurance, LPA, Advance Care Planning and AMD. Therefore, I was really glad to meet up with Shawn and Choon Yuan over zoom meeting, as I can find out from them on how to plan for my own personal finance. They are very willing to share, there is a lot of clarity in their advice and they are sort of like a financial GPS that will guide me on my financial planning journey. They did up a one-page insurance summary report to provide clarity on my coverage. In addition, they also did up a cpf report that projected how much I can withdraw from my cpf at 55 and showed me how my monthly CPF Life payout can complement my retirement income. These 2 reports really give me a clearer idea of how I should take charge of my finances. So if you have any questions about financial planning, feel free to reach out to Shawn and Choon Yuan to see how they can make a difference in your financial planning decisions. Thank you!

Yours truly ,
Miss Vijay, Social Worker

Choon Yuan and I used the Goalsmapper tool to map out various scenarios for my retirement planning

Hi Everyone,

Just like most of you, I tend to be wary whenever insurance agents approach me at shopping malls or cold-call me. Unsurprisingly, I was equally sceptical when Choon Yuan first contacted me out of the blue. Thankfully, he was not pushy, and merely left me a whatsapp message with a link to his website.

After perusing the testimonials on his Wall of Trust, the key characteristics which resonated with me were his "strong after sales service" as well as his emphasis on "holistic financial planning". I have sadly encountered more than a few agents who are sales driven, and who neglect you once the sale is done. I thus kept an open mind and met Choon Yuan for a chat. Choon Yuan came across as someone earnest and well versed in investments due to his banking background.

Choon Yuan consolidated my multiple insurance policies in a spreadsheet and shared how my policies could complement each other in my portfolio. Next, Choon Yuan and I used the Goalsmapper tool to map out various scenarios for my retirement planning. These scenarios allowed me to make an informed decision. An individually tailored financial analysis report was generated for me at the end of our Goalsmapper session. There was never any pressure from Choon Yuan to purchase additional policies from him to beef up my portfolio...he instead went through the various options recommended by Goalsmapper and left it to my discretion.

I am impressed by Choon Yuan's work ethic as he has demonstrated professionalism and helpfulness. So much so, that I am now adding my own testimonial to his website.

Choon Yuan's commitment to "after sales service" has cemented my trust in him. I shall be recommending him to my family and friends in the future.

Yours truly,
Dr Glenn Tan

Meet Shawn and Choon Yuan for holistic insurance planning

Hi Everyone,

I got to know Shawn and Choon Yuan as their agency (Strategic Alliance) is the provider for Employee Benefits for my company. Feeling that it was also timely for me to review my personal insurance coverage, I contacted both of them to help me explore and understand the options available. Due to concerns on the ongoing COVID-19 situation, we conducted our meeting via Zoom. This was really convenient as I could discuss with them from the comfort of my home.
Shawn and Choon Yuan shared with me their approach, which they call the Journey of Health Framework™. Through this, they provided an explanation on how the insurance products function in relation to the timeline of events (e.g, pre-hospitalisation, diagnosis, hospitalisation) as well as how these products address the different needs (e.g, Critical Illness, Personal Accident). What I found helpful was that they were also able to contextualise these information to my situation. Though I had the initial impression of having some understanding of these products myself, they were able to share with me a more detailed and nuanced knowledge of the practical aspects to consider. These aspects may seem minor and are often overlooked but are actually important in ensuring you get the proper coverage. Their sharing has provided me with a more holistic view on how to plan for my health insurance coverage.
Throughout the interaction, Shawn and Choon Yuan were mindful to allow me to make my decisions comfortably. I felt assured that they had my interest at heart and not because of a desire to blindly close off as many product sales as possible. I am sure you would find the same assurance, too.

Cheers,
Shafi'ie

Happy to recommend Choon Yuan for his good service

Hi Everyone,

Choon Yuan was recommended by my sister, we are very happy for his service.Recently my mum had an accident and was admitted to hospital. Throughout the accident he was very concerned and guided me on what to do. My mum was accompanied by Choon Yuan for her follow-up appointment and he helped her with her claim too. Choon Yuan also advised her on the importance of Lasting Power of Attorney (LPA). I just want to say a big thank you to Choon Yuan and I would gladly recommend him to my family and friends.

Yours truly,
Mdm Lim’s family

Meet Jorene and Choon Yuan on investment opportunities

Hi Everyone,

I got to know Jorene and Choon Yuan because their agency (Strategic Alliance) was provider of Employee Benefits for my company. They have been updating me regularly on the latest industry changes such as pre-authorization in integrated shield plans, which will give me peace of mind of my hospital claims and avoid bill shock. They also shared with me the investment opportunities during financial market downturn caused by the COVID 19 pandemic. I am very happy with their service and I have no doubts in recommending them, you will have no regrets!

Yours truly,
Alec Ting Moi Lung

Thank you Jorene and Choon Yuan for regular updates

Hi Everybody,

I got to know Jorene and Choon Yuan because their agency (Strategic Alliance) was provider of Employee Benefits for my company. They put my interest first when planning for me, taking note of my interest to travel and see the world. Unlike most financial advisers, they have been in touch with me regularly and they have updated me on the latest industry changes such as pre-authorisation in integrated shield plans and impact on claims due to changes in critical illness definitions. I value such regular updates and I would not hesitate to recommend them to my friends and family.

Yours truly,
Ngo Hway Hou

Meet Jorene and Choon Yuan for good service and sound advice

Hi Everyone,

We are glad to be contacted by Jorene and Choon Yuan. They come to our house and spent time to find out why insurance is important to us. They also spent effort to find out about our family and our plans for retirement. After understanding the why, they recommended solution that meet our needs in a cost-effective way. This is important to us because insurance premium keeps increasing with age so we are happy to have a long-term solution that is affordable. We are
very happy to have Jorene and Choon Yuan as our financial advisers and will be more than willing to recommend them to anyone who appreciates financial advisers who provide good service and sound advice.

Yours truly,
Captain Raj and Mdm Shoba

俊元帮我解决 AIA Vitality 的问题。

Hi 大家好,

我是通过我的company insurance认识俊元的。他帮我从company insurance拿到赔偿。他非常乐意助人，帮了我很多忙。尤其是在AIA vitality的问题方面，他都处理得很妥当。我对他的服务非常满意。我也会很乐意介绍我的朋友和同事给俊元。谢谢大家!

Yours truly,
Miss Corrine See Xiao Yao

Thank you Choon Yuan on helping with my home insurance claim

Hi Everyone,

I would like to personally thank Choon Yuan for his excellent service and prompt assistance in helping with my home insurance claim. The unfortunate incident happened just a few days before Chinese New Year, and my existing agent was no longer in the business. Choon Yuan took over and followed up closely on my claim. There was a slight expected minor delay along the way due to the festive period. I was thankful and glad that my claim was expedited and I got my cheque from AIA without much delay. Thank you!

Yours truly,
Mdm Tan Toh Heah

Meet Choon Yuan who puts my needs before his needs as a financial planner

Hi Everyone,

It took me a while to clear time for Choon Yuan, but he was ever accommodating and supportive regardless of how late the change of plans came about. Eventually when we met, he was a myth buster. There was no hard selling to get plans from him, nor was the session with him heavy on information to confuse me or tire me out. The amazing part was, he was very engaging and patient. I did not even realize that I had spent 1.5hrs with him doing some financial planning for my retirement. I am a conservative person and did not let on a lot about myself immediately. As I let him know more about my personal life and my financial situations, he became more understanding and supportive. He was a person who genuinely listened with his heart than with his head. He put my needs in the plan as a priority before his needs as an insurance agent / Financial Planner. Knowing you have to put your client first, and actually doing it, are 2 very different things. His demeanor has shown his genuine want to help others for their sake makes him stand out from the lot. Wong Choon Yuan, I enjoyed my time with you. Your sharing and proposed strategies with me have been really valuable and helpful. Thank you. Till we meet again, Good Luck!

Yours truly,
Mr Vijayan Balakrishnan

Meet Choon Yuan for holistic financial planning and queries on AIA vitality

Hi Everyone,

I am glad to be contacted by Choon Yuan who did not try to hard sell me the latest insurance plans on the very first time we met. As I just started work, Choon Yuan suggested that we take things slow and focus on understanding my concerns first. Choon Yuan worked with me to make me realise how sufficient coverage can be achieved with less than 10% of my salary. He also assisted me with my queries on Vitality when I needed it. I am happy with Choon Yuan’s service and have no qualms in recommending him to my friends, thank you!

Yours truly,
Lim Zhi Ying

Meet Joan and Choon Yuan for better understanding of medical coverage

Hi Everyone,

I was referred to Choon Yuan by my sister. When I worked with Joan and Choon Yuan, they seek to understand my concerns first and shared with me the importance of how early critical illness plans can provide income replacement if I cannot work due to major illness. Choon Yuan designed a solution that met my budget and provides comprehensive coverage with multiple claims against critical illness. Medical costs in Singapore is high and rising every year and I have seen how my parents have benefited from insurance when they were hospitalised. If you are not sure whether you have sufficient medical coverage or worried about overpaying for medical insurance, why not speak to Joan and Choon Yuan for a better understanding. Thank you!

Yours truly,
Katherine Chua Whay Peng

Meet John & Choon Yuan for holistic planning

Hi my dear friends,

Before working with John and Choon Yuan, my meetings with insurance agents tend to focus a lot on products. After working with John and Choon Yuan, the session made me realise whether my existing coverage is enough to protect my children. They spend time to understand my key concerns and my needs first, and clarify all my questions patiently, so I grasp a full understanding. They shared with me how I should budget to meet competing needs in housing, growing my money and wealth protection. They also shared on the importance of wills, lasting power of attorney (LPA), advance medical directive (AMD) and nominations for insurance & CPF. John and Choon Yuan really adopted a holistic approach to financial planning and that gave me a peace of mind. Since I have benefited from such holistic planning, I hope you can benefit from having a chat with them too.

Yours truly,
Sophia Woh Hui Yee

Meet Choon Yuan who advises on my family's coverage

Hi Everyone,

Choon Yuan was recommended by my colleague for his helpfulness and good service. As a foreigner in Singapore, I am glad Choon Yuan explains to me in simple terms how medical insurance works in Singapore. Choon Yuan focuses on what my family needs and designed a package that meets my financial needs. I will be more than happy to recommend Choon Yuan to my friends and colleagues.

Yours truly,
Subramani Thiyagu (PhD)

Rest assured that there is no hard selling with John & Choon Yuan

Hi Everybody,

John and Choon Yuan were recommended to me by my good friend for their sincere service. I don’t like insurance agents who try to hard sell me or push products. John and Choon Yuan are very different, I find them to be very professional. They worked well together as a team. They really spent time to explain complex insurance terms to me and allow me to understand how I should plan for myself.

They made use of the Goalsmapper application to help me visualise how my finances will be in the long term. By working with John and Choon Yuan, I understand how my goals will impact my retirement fund in different scenarios. I have benefitted from the whole experience and I would not hesitate to recommend my colleagues and friends to John and Choon Yuan.

Yours truly,
Derek Cheah Xuan Fun

我选择Jorene 和Choon Yuan的原因是他们两个人可以一起为我服务

Hi 大家好,

其实我认识好几个保险经济。而我选择Jorene 和Choon Yuan的原因是他们两个人可以一起为我服务。如果Choon Yuan不在新加坡的话,我还可以联络到Jorene。这样我会觉得安心而且有双重保障。所以我选择他们。

除此之外，我也要谢谢他们的用心分享。我总觉得保险非常复杂，有很多东西我也不了解。但是他们会用简单的例子跟我解释。我也会很乐意介绍我的朋友和同事给Jorene 和 Choon Yuan。谢谢大家!

Regards,
Mr Kui Cerk Hwa

Meet Choon Yuan to find out how to plan for your retirement systematically

Hi my friends,

Choon Yuan and I were course mates at a Reits course because we both shared the same interest in generating passive income from Reits. Choon Yuan shared with me on the buying strategy to build a Reits portfolio with margin account. This is because the return on the Reits is higher than the cost of borrowing, which in turn increases my entire portfolio return.

After working for many years, a lot of Singaporeans worried about not having enough money when they retire. By planning for your retirement earlier, your investments have a longer time for the power of compounding to exponentially increase the value of your investments. I am very happy to recommend Choon Yuan to my friends and colleagues who are keen to find out on how to plan for their retirement in a systematic way.

Yours truly,
Collin Low Soon Pan

Meet Choon Yuan to plan for the long term & not just buy plans only

Hi Everyone,

Before meeting Choon Yuan, we have met many agents from different insurance companies. They will tell us what plans we should buy and spend bulk of the time talking about their plans.

Choon Yuan is different. He spent time to talk to us first, to understand our needs and priorities. He asked about our existing plans and explained to us in layman terms what our plans cover. Next, he shared with us how to plan so as to protect our wealth and still set aside budget for growing our money.

More importantly, Choon Yuan showed us how he helped his clients claim. Choon Yuan shared that he meets his clients for claims, servicing of policies and not just to sell plans only. We are very happy with Choon Yuan's service and will gladly recommend him to our friends and colleagues.

Yours truly,
Shijun and Geraldine

Recommending Choon Yuan to my friends & colleagues!

Hi Everybody,

I got to know Choon Yuan because his agency (Strategic Alliance) was provider of Employee Benefits for my company. As a foreigner with employment pass and looking to apply for PR in Singapore, Choon Yuan shared with me the importance of hospitalization and personal accident coverage and how I should lock in my insurability when I am healthy and young. I am so satisfied with Choon Yuan’s service that I have recommended my colleague to him as well. I will definitely be recommending Choon Yuan to my friends and colleagues for his reliability and sincerity.

Your truly,
Dr Priya, PhD

Meet Choon Yuan and Jorene for their professional and prompt service

Hi Everyone,

I was referred to Choon Yuan by my good friend. I was looking for hospitalisation plan that not only covers my family in Singapore but also India as my family spends almost 1.5 months in India per year. Choon Yuan explained the features to me in layman terms. He further reassured me that my family will be served by 2 financial advisers instead of 1 and introduced Jorene to me. What differentiates Choon Yuan and Jorene from other financial advisers is the level of after-sales service that they offer. There was a time when my daughter was down with high fever and swelling at cheek and Choon Yuan helped to recommend doctor and booked appointment for us. Such prompt follow up service really set my mind at peace. Choon Yuan and Jorene provided a holistic view on how to integrate my insurance policies in India with those in Singapore so that I provide sufficient protection for my family. I will definitely be recommending them to my friends and colleagues in the future.

Yours truly,
Mr Narayana Rao, Senior IT Manager

Why write wills? Failing to plan is planning to fail

Hi All,

I get to know Choon Yuan as his team (AIA Strategic Alliance) works with us on providing Will writing talks and service to their corporate clients. I strongly believe that writing Wills is an important yet neglected part of financial planning. Some of us are not aware of the adverse consequences of not having a valid Will when we pass on whereas the rest of us are simply procrastinating. We provide professional Will writing service, helping people to draft their Wills in a matter of days. To some of us, it makes a lot of difference between having a valid Will written and without one. A valid Will helps to prevent potential complication, confusion and conflict. Let's get it done as soon as possible!

Yours truly,
Patrick Chang, Founder of SimplyWills

Meet Choon Yuan for his prompt follow up and good service!

Hi Everyone,

I got to know Choon Yuan because his agency (Strategic Alliance) was provider of Employee Benefits for my company. Before Choon Yuan and I first started working together, my experiences with other financial advisers were not good as they do not stay long in the business and they do not follow up with you after you buy the plans from them. Choon Yuan is very different, he is very helpful and prompt in his follow up. He shared with me the importance of coverage in hospitalisation and personal accident. Choon Yuan also helped me in my hospital claim due to food poisoning and I will gladly recommend Choon Yuan to all my friends and colleagues for his sincere and prompt follow up.

Yours truly,
Iris Neo

Meet John and Choon Yuan for sound advice and AIA Vitality rewards!

Hi Everyone,

Before I became a father, I bought my first AIA insurance from John when I was in my 20s. Now my son, Clement, is already a young adult and I am very glad to be advised by John and Choon Yuan on a suitable and affordable plan for Clement. I am very happy with their service and prompt follow-up. I led a healthy lifestyle and exercise regularly and I take full advantage of the reward benefits of the AIA vitality program. In fact, Choon Yuan is part of my AIA vitality team that rewards me with $10 voucher every week! Therefore, I am more than happy to recommend John and Choon Yuan to anyone who values good financial advice and wants to get more out of the AIA vitality program!

Yours truly,
Jack Chong

Meet a dependable financial adviser

Hi Everyone,

Before working with Choon Yuan, I used to have the impression that medical coverage provided by my company is sufficient. And I used to find the topic of insurance to be complicated and confusing. Choon Yuan highlighted that it is wise to lock in my insurability when I am young and healthy. As our health deteriorates as we aged, we may not be insurable when we stop working and lose medical coverage from our company. I am very glad that Choon Yuan put himself in my shoes and designed a well-rounded portfolio that is affordable too. Choon Yuan explains insurance to me in layman terms, allowing me to make decisions quickly in my financial planning. I have no qualms in recommending Choon Yuan to anyone who appreciates a dependable financial adviser.

Yours truly,
Manessa Mungroo

Meet Choon Yuan who lends me a listening ear

Hi Everybody,

I am glad to be contacted by Choon Yuan. He comes to my house and explain to me the type of insurance that I have bought in layman terms. At the end, he also provides me a summary that simplifies all my insurance policies on just one page. Choon Yuan is very helpful, understanding and lends me a listening ear. Choon Yuan also shared with me importance of personal accident plan as an affordable way to cover against unexpected events. I am happy to have Choon Yuan as my financial adviser and will be more than willing to recommend him to anyone who appreciates a sincere and trustworthy financial adviser.

Yours truly,
Johnny Low

Meet Jorene and Choon Yuan who understand needs of families with young children

Hi Everyone,

When our son is born, we were contacted by Jorene and Choon Yuan, they shared with us on the importance of covering our children with hospitalization and personal accident plans. They understand our needs and concerns of parents with young children and we are assured by their medical concierge service which will help us find the best doctors in Singapore and to book appointments for us. They also shared with us examples of how fast they help their clients’ children claim for hospital and personal accident plans.

We would like to personally thank them both for their excellent service and prompt follow up, and we will definitely be recommending them to friends and colleagues in the future.

Regards,
Ratnesh & Himani

俊元是一位親力親为的理财顾问

Hi 大家好,

認识俊元也不过是今年的事。他对所有客户一般上的好服务我就不提了。
值得一提的是我前些时候身体不适，从需要看医生到动小手术，俊元不只代我安排一切，最可贵的是他親力親为，陪我到診所，与医務人員为我安排一切，之后又不厌其烦的向我解说程序。让我安心的去接受治疗。理赔手续也不用我操心，他都为我一手包办。

Regards,
吴太太

Meet Jorene and Choon Yuan on financial planning for pre-retirees

Hi Everyone,

Before working with Jorene and Choon Yuan, I did not have a dedicated financial adviser servicing me. Fortunately, I was contacted by Jorene and Choon Yuan, they updated me on the changes in hospitalization plans and they helped me upgrade my hospital plan so that I will have more comprehensive cover and peace of mind. As a pre-retiree, Jorene and Choon Yuan also advised me on how to optimize my cpf savings so as to grow more of my cpf money at 4% guaranteed. They also understand my needs as a pre-retiree and they recommended solutions that are low risk and meet my liquidity needs.

I would like to personally thank them both for their excellent service and assistance, and I will definitely be recommending them to friends and colleagues in the future.

Yours truly,
Bee Leng

Meet a financial adviser who recommends doctors for a second opinion

Hi Everyone,

In the past, I used to make my own selection of products when it comes to insurance and financial planning in general. After working with Choon Yuan, he was able to provide invaluable inputs as he adopts a holistic approach to insurance and financial planning, including tips on how I should manage my CPF and SRS monies. There was even once when Choon Yuan recommended doctors for a second opinion. My wife and I worked with Choon Yuan on solutions that suit our needs for critical illness protection and SRS retirement planning. I will be more than willing to recommend Choon Yuan to anyone who values a financial adviser that is prompt in following up, and shares the same belief that financial planning is about making wise decisions rather than accumulating products.

Yours truly,
Marcus Fong, Risk Manager

CHOON YUAN IS A FINANCIAL ADVISER WITH GOOD AFTER-SALE SERVICE

Hi Everyone,

I got to know Choon Yuan because his agency (Strategic Alliance) was provider of Employee Benefits for my company. I just want to say thank you when Choon Yuan helped me with my personal accident claims. Choon Yuan came to collect the claims from me personally and always ensure I get my money back within a month. I will be more than happy to recommend Choon Yuan to anyone who values good after-sale service from his financial adviser.

Yours truly,
Vick Quah

Meet a financial adviser whom you can trust

Hi Everyone,

I got to know Choon Yuan because his agency (Strategic Alliance) was provider of Employee Benefits for my company. I find Choon Yuan to be friendly and helpful and I would strongly recommend him to anyone who enjoys working with a financial adviser whom they can trust. Good job and keep up the good work!

Yours truly,
Patrick Cheng

I was referred to Choon Yuan by my good friend

Hi Everyone,

I was referred to Choon Yuan by my good friend. Before working with Choon Yuan, I always find insurance agents to be pushing products. Choon Yuan is different from others as he takes a holistic approach to first understand my key concerns first before recommending solutions that suit my needs. Choon Yuan did up a summary for my coverage so that I know what I am covered for and what I am paying for.

As a business owner, my income may not be as regular as an employee so I prefer solutions that only require me to save for a few years but cover me for life. As a self-employed, I do not contribute much to CPF so I am glad Choon Yuan recommended me a solution for my retirement that only requires me to save for 5 years but pays out lifetime passive income when I retire. I am happy to recommend Choon Yuan to anyone who values holistic planning.

Yours truly,
Clayton Lee, Business Owner

Do give Choon Yuan a call for financial planning for people in 20s

Hi Everyone,

I got to know Choon Yuan as he handles Employee Benefits in the company that I worked in. I am in my 20s and before meeting Choon Yuan, I do not have a clear idea of how to approach financial planning in a systematic manner. Choon Yuan worked patiently with me on setting up an emergency fund before looking into wealth protection and wealth accumulation. Choon Yuan also recommended doctors to me via medical concierge service. I also learnt a fair bit through the CPF retirement talk given by Choon Yuan at my company. If you are someone in your 20s and you are keen to find out more about financial planning and CPF in general, feel free to give Choon Yuan a call.

Yours truly,
Jeb Yeo, Ecologist

Meet a financial planner who has a personal touch

Hi Everyone,

I got to know Choon Yuan because his agency (Strategic Alliance) was provider of Employee Benefits for my company. I just want to say thank you when Choon Yuan helped me with my claim. Due to technical problem, I could not submit my claim electronically so Choon Yuan came to collect the claim from me personally. Besides that, Choon Yuan also advised me to add rider to my integrated shield plan as this will allow me to claim for day surgery. I will be more than happy to recommend Choon Yuan to anyone who values personal touch from his financial planner.

Yours truly,
Nizam

Impressed with Choon Yuan’s good service and I recommend him to my friend!

Hi Everyone,

I met Choon Yuan during one of my company event. Choon Yuan shared with me the importance of getting comprehensive hospital coverage for an overseas professional working in Singapore. He also shared with me how the medical concierge service can help me by recommending suitable doctors and appointment booking. I am so impressed with Choon Yuan’s service that I even recommend my good friend to him as well. I would not hesitate to recommend Choon Yuan to anyone who shared similar background as me, working professionals with young children and family living in Singapore.

Yours truly,
Pavan K

After-sales care for best medical coverage

Hi Everyone,

Upon arriving in Singapore we started looking at our medical coverage options and made contact with numerous medical providers. Fortunately we were contacted by Choon Yuan and Jorene from AIA and are so pleased that we were. For us, what differentiates AIA from their competitors is the level of after-sales care that they offer. Our hospital plan includes 24 hour dedicated access to Choon Yuan and Jorene plus a medical concierge service to help us find the best doctors in Singapore and to book appointments for us.

We found Choon Yuan and Jorene to be extremely professional and helpful, and we are confident that with AIA we have chosen the best medical coverage to suit our needs. We would like to personally thank them both for their excellent service and assistance, and we will definitely be recommending them to friends and colleagues in the future.

Your truly,
Lance and Angela

Partnering on this journey towards financial security, independence and abundance

Hi Everybody,

Before working with Choon Yuan, I had my fair share of bad experience working with financial consultants. After working with Choon Yuan, I really enjoyed the whole financial planning experience. The whole experience is no longer a one-way transaction but a two-way communication process of first uncovering my needs and meeting those needs in the most cost-effective manner. Choon Yuan follows up promptly and shares with me on holistic financial planning, covering areas such as maximising CPF savings, SRS, hospitalisation and critical illness coverage, retirement planning, dollar cost averaging with ETFs and even REITS investment. Our dialogue is never restricted to insurance products only but covers the greater universe of financial planning, focusing on making wise decisions rather than product accumulation, and touching on various asset classes. Such holistic approach is probably due to Choon Yuan’s background and experience in banking, asset management and finance.

For example, I first approached Choon Yuan for a solution to protect me against critical illnesses. Maintaining the same budget, Choon Yuan proposed a critical illnesses solution that not only protects me but my wife too. Choon Yuan really helped me stretch my dollars.

I would whole-heartedly recommend Choon Yuan to anyone who wants an unbiased insight in planning for a better financial future for themselves and their loved ones.

Yours truly,
Max Ee, Principal Consultant of SCMi Group LLP

Total insurance planning for young children

Hi Everyone,

When my son is born, Choon Yuan worked together with me on designing a comprehensive solution that addresses my son’s coverage in hospitalisation, personal accidents, early stage critical illnesses and savings plan for university fund. I see the value of the total insurance approach taken by Choon Yuan in his analysis, making sure all my son’s needs are covered.

I would highly recommend Choon Yuan to people who just have newborn baby or people who are interested to find out more about planning for their young children.

Yours truly,
Mr Tan, Banking Professional

Meet someone who understands my financial needs

Hi Everyone,

After understanding my needs, Choon Yuan worked with me on selecting a suitable early critical illness solution for myself. Choon Yuan shared with me the pros and cons of various solutions on early critical illness protection, allowing me to make an informed decision. Every meet-up with Choon Yuan was not always about buying another insurance plan as Choon Yuan believes that financial planning is about making wise decisions in the long run. In fact, Choon Yuan will sometimes share with me home-made cookies and mooncakes made by his mum & children! Choon Yuan also come across as someone who enjoys growing through learning.

I would be more than happy to recommend Choon Yuan to anyone for an open dialogue on financial planning, it is all about understanding your needs and taking the first step to a better financial future.

Warmest Regards,
Melissa Tan, Treasury Manager at a Singapore listed multi-business company

Met a helpful and sincere financial consultant

Hi Everyone,

I got to know Choon Yuan because his agency (Strategic Alliance) was provider of Employee Benefits for my company. Before Choon Yuan and I first started working together, my experience with other financial advisers tends to focus on product selling and there was not much after sales service. Choon Yuan is very helpful and patient in guiding my family in getting proper coverage in hospitalization, personal accident and critical illness. More importantly, he guides us on how to best use our existing policies and he follows up with us promptly. Besides, he is very responsive to queries that I have.

I would be more than happy to recommend Choon Yuan to anyone for his sincere and prompt follow up.

Yours truly,
Jasmine Lim , Social Worker

Met a reliable and trust-worthy adviser

Hi Everyone,

Before meeting up with Choon Yuan for a financial health review, I was sceptical about the quality of financial advice provided by insurance agents at roadshows. But after meeting Choon Yuan, I am extremely impressed by his vast knowledge in investment. I shared the same belief as Choon Yuan that if he looks after the financial well-being of his clients in the long run, his clients will be appreciative and recommend new clients to him.

Given Choon Yuan’s years of experience in banking and investment, I have no qualms in recommending Choon Yuan to anyone for top quality advice in the areas of wealth protection, investment and retirement planning.

Yours truly,
Dr Tan Chuan Sien , Dental Surgeon

俊元让我觉得满安心

Hi 大家好,

对于保险的规划有疑问时，俊元会搜索相关且详细的资料为我解说。如果对于保险的费用或者怎么缴费不是很了解，俊元会热心地帮助我。另外，俊元也会安排固定的会面时间，保持一定的联系，这让我觉得满安心。

Regards,
吴老师

Systematic and holistic approach to retirement planning

Hi Everyone,

Before Choon Yuan and I first started working together, my experience with other financial advisers tends to focus on the financial products. After working with Choon Yuan, it made me realize that the real financial planning process should focus on helping me make better financial decisions. First, Choon Yuan focused a lot on understanding what are my needs and priorities in retirement planning are. Next, he made used of his proprietary retirement cashflow tool to project and simulate what my retirement cashflow will be like when I am 65. Through this systematic process, it made me reset my priorities for retirement planning. Some of the actions I need to take are not related to buying any financial products and I have really benefited from such holistic planning.

In addition, I am also very happy with the after sales service provided by Choon Yuan which I do not get from other financial advisers. For example, Choon Yuan drew up a summary of all my insurance policies, providing me with clarity on what I am paying for.

I would not hesitate to recommend Choon Yuan to anyone for his systematic and holistic approach to retirement planning.

Yours truly,
Leon Jow, Business Development Director at a Singapore listed telco services company

Clarifying on insurance & financial planning

Hi Everybody,

I got to know Farhanah and Choon Yuan because their agency (Strategic Alliance) was provider of Employee Benefits for my company.

Farhanah and Choon Yuan has cleared the misconception I had regarding insurance policies and coverage. They diligently shared with me the various plans that are in line with my financial needs and aspirations. Using layman terms, they patiently explained on the coverage, citing real-life examples that they had come across with, so that I could weigh the odds.

Do get in touch with Farhanah and Choon Yuan as your financial advisers. They are always willing to lend a helping hand and provide a wider perspective on matters at hand.

Yours truly,
Ina

Our friendly and extremely accessible advisers

Hi Parents with young children,

We got to know Jorene and Choon Yuan because their agency (Strategic Alliance) was provider of Employee Benefits for my company. They were prompt in handling my son’s claim and they were always there to listen to us and be our friend. Jorene and Choon Yuan always explain to us in layman terms on what are the limitations of our insurance coverage and how to make the best use of it.

They put themselves in our shoes and recommend solutions that not only suit our budget but suit our needs and priorities of a family with young children too.

At the same time they make themselves extremely accessible to us so that we never feel that they are far away when we need support in case of emergency or medical needs.

If you are looking for financial advisers who are friendly and always willing to lend a listening ear, you will want to contact Jorene and Choon Yuan.

Yours truly,
Ethan Goh & Jayne Won

Our Family Financial Adviser

Hi Everyone,

Before our family started working together with Choon Yuan, we always find insurance to be confusing and difficult to understand. After working with Choon Yuan, we have a clear idea of what we have, how we can use it and what various insurance policies can do for us.

Choon Yuan made us realise that financial planning is not about accumulating financial products but about making sound financial decisions to reach our own goals in a well-planned and systematic manner.

Choon Yuan always follows up promptly with our requests and recommends solutions that are not only cost-effective but suit our needs and priorities of a family with young children.

If you are looking for someone who is trustworthy and reliable, feel free to contact Choon Yuan.

Yours truly,
Terence Tan & Renee Yap

SRS & Retirement Planning

Hi Everybody,

Choon Yuan advises me on how to make the most out of my SRS contribution, achieving twin benefits of reducing my taxable income and plan for my retirement at the same time. When it comes to retirement planning, Choon Yuan is very detailed and comprehensive in his analysis. This is due to his many years of experience in banking. I would not hesitate to recommend Choon Yuan to anyone who is keen on retirement planning and wealth accumulation.

Yours truly,
Edmund Heng, Senior Vice President, Operational Risk at HSBC

CPF Retirement Cashflow Analysis

Hi All Singaporeans & PR,

If you have always been wondering how much CPF savings you can withdraw from age 55, check out this video from CPF Board.

After watching, if you would like to find out more about planning for your retirement, I am more than happy to help!

By leveraging on a tool to project your retirement cash flow when you stopped working, I will work with you on how various retirement options (eg. SRS) can complement your CPF Life monthly payout and help you reach your retirement goals. After all, it is all up to you to choose to enjoy retirement or retire from enjoyment.

Feel free to contact me at 97577076 for a non-obligatory discussion.

Yours Sincerely,
Wong Choon Yuan

Healthcare or Nightmare?

Hi All,

Jack Ma of the Alibaba Group, once said that buying insurance cannot change your life but it prevents your lifestyle from being changed. An illness can wipe out an entire family's savings that they have saved for decades. You will not turn bankrupt because of buying insurance but you will cause your loved ones to turn bankrupt if you don't.

Check out this video entitled healthcare or nightmare by Dr. Arut Siva

Regards,
Wong Choon Yuan

Employee benefits & personal financial adviser

Hi Everyone,

Choon Yuan is my trusted financial adviser who look after my company's employee benefits and my personal financial planning.

In terms of the whole employee benefits experience, Choon Yuan always follows up with the claims for my employees promptly, making sure there is no delay. Choon Yuan even helps to recommend doctors to them. In addition, Choon Yuan also advises my employees on how their personal plans can complement my company's employee benefits, thereby achieving the best outcome.

As for my personal financial planning, Choon Yuan advises me on my retirement planning and wealth protection plan, always making sure it is cost-efficient.

If you are looking for a trustworthy and reliable financial adviser, feel free to contact Choon Yuan.

Best Regards,
Derek Yap, Owner and Lead Arborist of Camphora Pte Ltd

购买危重疾病保单的考量

Hi 大家好,

这篇2018的早报文章为消费者分析购买危重疾病（Critical Illness）保单的考量。非常值得一读。

新加坡寿险协会针对保障缺口的一项调查发现，新加坡人在危重疾病方面的保障严重不足，受雇人士平均只有6万元的危重疾病保障。

万一不幸病重失去工作能力，所得的赔偿只够家人承担约20％的生活开销。

文章全文 ”https://www.zaobao.com.sg/zfinance/news/story20180819-884293”

谢谢,
黄俊元, (AIA)友邦保险财务顾问

Keeping your family, career and business together

Hi Everyone,

I have known Choon Yuan for many years since secondary school and he has always come across as a friend who is honest, dependable and a lifelong learner.

Choon Yuan is always curious about how the financial markets and economy work and he is always passionate about sharing with me advice on how I should plan my finances as a business owner. If keeping your family, career and business together are important to you, why not have a chat with Choon Yuan to see how you can better secure your financial future? I wish Choon Yuan all the best in his career as a financial adviser!

Yours truly,
Marcus Tan, Founder and CEO of Cloakapps

FPAS Financial Planner Awards 2019

Hi All,

I am deeply humbled and honored to be a finalist for the FPAS Financial Planner Awards 2019. The award aims to recognize financial planners in Singapore for their financial planning excellence in their respective sectors namely Banking, Insurance and Financial Advisory (FA).

My main reason for participating in this competition is to challenge myself to see how I measure against the rest of the industry as a financial planner.

As part of the competition, I am required to provide a comprehensive financial plan for my 53-year old client who just got retrenched. I helped to address his retirement needs, analyse and recommend his risk management adequacy when he decide to set up his business at 53.

I strongly believe the award will raise the public's awareness of importance in having an early start in financial planning. The award aim to raise the professional standards in the financial planning industry through holistic and impartial planning, thereby improving the trust between clients and financial advisers.

With rising life expectancy and ageing population in Singapore, there is no better time for the award to bring home the message that financial planning excellence is essential for creating a better financial future for everyone.

Warmest Regards,
Wong Choon Yuan

My Hedge Funds Research

Hi Everyone,

I was very blessed and grateful for the opportunity to co-author a research paper in the Journal of Wealth Management that investigated the performance of Funds of Hedge Funds.

This research showed that very few of the funds provide downside protection and upside capture at the same time. Investments in risky asset class like hedge funds are complicated and the devil is in the details.

I am more than happy to share more with you on better managing your investments to help you reach your financial goals.

Yours Sincerely,
Wong Choon Yuan

DISCLAIMER

This is not an official AIA web profile. The views and opinions expressed in this publication are those of the author and do not reflect the official policy or position of AIA Singapore Private Limited (Company Registration No. 201106386R) (AIA), any other agency, organisation, employer or company. Assumptions made in the analysis are not reflective of the position of AIA other than the author.

Wong Choon Yuan (黄俊元)

Financial Services Manager, Senior Personal Wealth Manager

Wong Choon Yuan (黄俊元)

Financial Services Manager, Senior Personal Wealth Manager

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