Janelle Chong Hui Pin

Senior Financial Services Consultant

Janelle Chong Hui Pin

Senior Financial Services Consultant

From a Nutritionist to a Financial Services Consultant, love to share her knowledge on Total Wealth Management to help people to realise the importancy to achieve optimal health in both human capital and finance. Believe that Gratitude is the key to experience happiness and Perseverance is the key to success. Determine to impact people life positively through proper financial planning.

"MAKE A DIFFERENCE, IMPACT LIVES"

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- AIA Singapore Private Limited
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Articles Worth Sharing

Newsletter Issue 94: Cultivating a Grateful Heart

As the year winds down, it’s the perfect time to reflect on the many reasons to be grateful in our lives. From uplifting mental health to strengthening connections, gratitude helps us end the year with purpose and warmth. Discover simple practices and insights to embrace appreciation and nurture meaningful moments this season.

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 someone interesting

Hi Everyone,

Janelle is sincere, thoughtful and extremely helpful. She displays a personal touch by first understanding and analysing my financial situation before recommending the best suitable product.

I was highly impressed by Janelle’s knowledge of the products. She is clear and precise on the products recommended. She is approachable and open in sharing information about the products and market. Janelle also updates me on the latest products and promotion that I might be interested in.

I would be more than happy to recommend Janelle to anyone for her dedicated services.

Regards,
Baocheng, Marketing Executive

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Hi Everyone,

Janelle is able to understand my needs based on my current financial portfolio. She has shared some strategies with me on how can I enhance my portfolio after analysing my current policies and financial condition. I would recommend her service to my family and friends.

Regards,
Quek Tat Seng, Accountant

Meet someone interesting

Hi Everyone,

This is to appreciate Janelle Chong (Hui Pin) whom I've known for many years. She is a conscientious hard working person who are always cheerful. She is careful and meticulous with details and always willing to help. She's calm and composed when challenged in awkward situations as she always prepared with a solution. I will not hesitate to recommend her as a trustworthy person whom we can rely on anytime. She will be an ideal Financial Services Consultant if you will believe me. Sincere regards to Hui Pin.

Regards,
Gideon Cheong, Club Growth Director

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Hi Everyone,

I'm satisfy and impress with the professional financial service provided by Charles and Janelle. They are friendly, patient and able to explain the financial tools clearly. They understand my concern and address my needs that align with my financial goals. I would recommend their service to my friends because I want them to be able to enjoy the fruitful experience that I have.

Regards,
Sathish, Finance Manager

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Hi Everyone ,

After meeting with Janelle and Nicholas, I now have a much clearer understanding of my current portfolio planning. They provided a comprehensive summary of my policies and thoroughly explained the benefits and coverage I have. Overall, my experience with them has been both pleasant and insightful.

Regards,
Daniel, Student

Meet someone responsible and professional

Hi Everyone ,

Working with Janelle has been an incredible empowering experience. She is able to express herself clearly and break down complex financial concepts into easily understandable terms, ensuring that I’m not only informed but also confident in my financial decisions. Her responsible and professional approach to financial planning has given me peace of mind.

Regards,
Tian Yuan, Civil Engineer

Meet someone patient & trustworthy

Hi Everyone,

Janelle is a patient, non-pushy, and trustworthy Financial Services Consultant. She took the time to truly understand my unique needs and concerns about financial planning. During the consultation, she shared with me the benefits and limitations of each solution, and how it would make a difference to my existing portfolio planning. She guided me through decisions without rushing, fostering clarity, and made sure that I made well-informed decisions.

Regards,
Samuel Chia, Pharmacist

Meet someone passionate about her work

Hi Everyone ,

Janelle is a dedicated Financial Services Consultant who is passionate about delivering quality work and cares for her clients. She reached out to me proactively to arrange the appointment based on my schedule. During the consultation, she would do risk profile analysis and make sure I made well-informed investment decisions that aligned with my goals and risk tolerance. I feel assured during the financial planning process.

Regards,
Chloe, Gymnastics Coach

Meet someone experienced & professional

Hi Everyone ,

Janelle is an experienced Financial Services Consultant. Her professionalism, clear explanation, and unwavering dedication to guide young adults like me through critical illness planning are unparalleled. She transformed a complex and daunting process into something manageable and comprehensive. If you’re young adult seeking guidance for financial planning, I wholeheartedly endorse her services.

Regards,
Wei Song

Meet someone professional

Hi Everyone ,

Janelle is a trusted Financial Services Consultant known for her unwavering commitment, persistency, and consistency. She will proactively reach out to me to share the latest update about health insurance and financial planning. Contact Janelle to experience the profound impact of her dedication on your financial planning journey.

Regards,
Herman

Meet someone professional in financial planning

Hi Everyone ,

As someone who values clear communication and personalised financial advice, I used to feel overwhelmed by the thought of addressing my family’s financial needs.

Thankfully, I connected with remarkable financial services consultant, Janelle. She’s been follow up with me to arrange appointments consistently, and addressed my financial concerns with appropriate solutions. Her fluency in Mandarin not only put me at ease but also allowed for detailed discussion.

Regards,
Ken Tan, Software Engineer

Meet someone attentive & sincere

Hi Everyone,

I wholeheartedly commend our Janelle for her exceptional attentiveness and sincerity. Her genuine care for our needs made us feel valued and heard throughout the entire process. It was refreshing to work with someone who prioritizes our interests over sales, creating a trustworthy and stress-free experience. Highly recommended!

Regards,
Edwin Kiew

Meet someone who cares for you

Hi Everyone ,

Janelle spent time to understand my portfolio and situation. She listened to my concerns and needs before making any recommendations. She always has my best interest at heart, and designed the solution based on my needs. I feel assured with her services and recommendations.

Regards,
Wei Quan, Laboratory Analyst

Meet someone who listens to your needs

Hi Everyone ,

Janelle understood my work schedule and arranged the appointment according to my schedule. During the consultation, she listened to what I wanted and recommended the right solutions to my portfolio. I am pleased with the overall experience.

Regards,
Bee Keng, Accountant

Meet someone kind and patient

Hi Everyone,

Janelle is a kind and patient Financial Services Consultant. She is not aggressive or pushy in terms of recommendations. And she’s able to provide alternative solutions that suit my needs and portfolio.

Regards,
Sunny Chen, Executive Officer

Meet someone approachable and knowledgeable

Hi Everyone ,

Janelle is an approachable and knowledgeable Financial Services Consultant. She will understand my stage of life and look into my portfolio planning accordingly. She always has my best interests in mind and ensures that the solution meets my financial needs and objectives.

Regards,
Louise Loi

Meet someone friendly and professional

Hi Everyone ,

Janelle was recommended by a friend of mine. She is friendly and professional with her approach. During the consultation, she listened to my needs and presented the solution in simple and understandable manner. I’d recommend her to family and friends.

Regards,
Denyce, Optometrist

Meet someone patient & accountable

Hi Everyone ,

Janelle is a patient and accountable Financial Services Consultant. She’s attentive with my enquiries and provides good after-sales services. And she is prompt with follow up when it comes to appointment arrangements.

Janelle 是一位有耐心且负责任的金融服务顾问。她很用心的回复我的疑问，并提供良好的售后服务。在预约安排方面，她会及时跟进。

Regards,
Jaz, Supervisor

Meet someone patient, understanding, and meticulous with details

Hi Everyone,

I am comfortable speaking to Janelle about financial planning. She is patient, understanding, and meticulous with details. I would recommend her to my family and friends.

Regards,
Aik Thiah, Supervisor

Meet someone friendly and knowledgeable

Hi Everyone ,

Janelle is a friendly and knowledgeable Financial Services Consultant. She provides timely updates and designs the solution based on my needs and financial status. I will recommend her to my family and friends.

Regards,
Michelle Teoh

Meet someone friendly

Hi Everyone ,

Janelle is a friendly Financial Services Consultant, who is good at building relationships. She has confidence in the work and services she provides to support my financial planning. Most importantly, she always puts my priorities first and ensures that the solution proposed helps me achieve my financial goals.

Regards,
Wei Feng, Data Science Engineer

Meet someone patience and understanding

Hi Everyone ,

I appreciate Janelle's patience and understanding throughout the consultation process. She’s meticulous and offers useful recommendations. Through a pleasant series of discussions, she customised solutions based on my family's needs. As such, I would recommend her.

Regards,
Shawn Seah, Deputy Director

Meet someone knowledgeable & friendly

Hi Everyone,

Janelle is a knowledgeable and friendly Financial Services Consultant. She went through the financial health check session professionally and addressed my concerns patiently. I'd definitely recommend her to my friends and colleagues who would like to find out more about wealth accumulation strategies.

Regards,
Hong Kai, Engineer

Meet someone professional & knowledgeable

Hi Everyone,

I am pleased with Janelle's professionalism and expertise. She listened to my concerns and enquiries for investment planning attentively and addressed them accordingly. She analysed the features and benefits of each solution and whether it could meet my expectation and risk profile.

Regards,
Sravan, IT Security Analyst

Meet someone approachable & friendly

Hi Everyone,

I have met a number of Financial Services Consultants, yet Janelle is the one I would like to stay connected with. She's approachable and friendly, it's comfortable to discuss financial planning matters with her. I'd recommend her to my family and friends.

Regards,
Kester, Engineer

Meet someone willing to listen

Hi Everyone,

Janelle's willing to listen and understand my financial concern. She's able to advise and point out my financial gap during financial health check session. Most importantly, she'd recommend the appropriate financial solution that was suitable for my profile and could meet my financial needs.

Regards,
Joycelyn Tan, Manager

Meet someone trustworthy & reliable

Hi Everyone,

Janelle (Hui Pin) is a friend of mine who I have known for 8 years. She is someone trustworthy and reliable who I can trust with. I'm satisfy with her advise and service as she is able to recommend the product that fits well to my budget and portfolio.

Regards,
Michelle Shim, Admin Officer

Meet someone sincere

Hi Everyone,

Janelle's a sincere Financial Services Consultant. She had been constantly following up with me, to update me the relevant financial information. During the financial planning consultation, she listened to my needs and answered all my enquiries. I felt assured to engage her services.

Regards,
Xuejing, Engineer

Meet someone persistent and demonstrate professionalism

Hi Everyone,

I liked how Janelle being persistent in her approach and follow-up to arrange the meeting with me. She had demonstrated professionalism during the financial planning process. She listened and understood my needs, and came out with solution to address my concern. I'd recommend her to my family and friends.

Regards,
Pong, Account Manager

Meet someone friendly, approachable and experienced

Janelle's very friendly, approachable and experienced in her area of expertise. She listened to my needs and customised the retirement planning based on what I want. Definitely will recommend her to my family and friends.

Jasmine, Application Analyst

Meet someone patient

Hi Everyone,

Janelle was very patient throughout the consultation. She had explained the financial information and product features in a clear, thorough and understandable manner. She used layman term rather than jargon, and presented the solutions based on my needs. I will recommend Janelle to my family and friends.

Regards,
Sabrina Lau, Designer

Meet someone excellent in service attitude

Hi Everyone,

慧宾的服务态度很好，人又亲切。她很有耐心的把保险规划事项解释清楚。我会介绍她的服务给家人与朋友。

Janelle is excellent in her service attitude, she is kind and friendly. She patiently explained the insurance planning clearly. I will introduce her service to family and friends.

Regards,
Peng Ping

Meet someone easy to communicate and understand your needs

Hi Everyone,

I get to know about Janelle through referral. She's easy to communicate, able to understand my needs and concerns. I'd refer her services my friends and family.

Regards,
Farrhan

Meet someone friendly & understand your fanancial needs

Hi Everyone,

Janelle is a good listener. She's friendly, meticulous and truly understands our financial needs. During the consultation, she had walked us through the financial planning process and provided all the necessary information to assist us to make a well-informed decision.

Regards,
Irene Hii, Manager

Meet someone friendly & approachable

Hi Everyone,

Janelle's a friendly and approachable Financial Services Consultant. She's professional and knowledgeable in her area of field and I felt very comfortable throughout the consultation process.

Regards,
Wong Yan Yan, Senior Manager

Meet someone who is an active listener & good with communication

Hi Everyone,

Janelle is an active listener who is good with communication. She's able to explain well during the consultation. On top of that, she's also very consistent with her approach and follow up.

Regards,
Swapnil, Assistant Director

Meet someone professional & knowledgeable

Hi Everyone,

Janelle's a professional and knowledgeable Financial Services Consultant, who is helpful and prompted with follow up. She had recommended the appropriate solution to fulfilled my financial needs. Most importantly, she would explain the financial products fully and clearly.

Regards,
Ann Kee, Accountant

Meet someone truly analyse and understand your needs

Hi Everyone,

As a first time insurance purchaser, Janelle has truly analysed and understand my needs. She has very strong knowledge and knows her products well. It was a great experience on my first purchase.

Regards,
Dunstan, Quantity Surveyor

Meet someone who is excellent in financial services & consultation

Hi Everyone,

Janelle had provided an excellent financial services and consultation. She could understand my needs and proposed the solutions that matching my needs exactly.

Regards,
Pandey Saurabh, IT Security Analyst

Meet someone friendly

Hi Everyone,

Janelle's a friendly Financial Services Consultant. She would understand my financial objective and needs first before giving any suggestions/ advices. During the consultation, she had provided me an overview on my existing portfolio, risk exposed and what could be improved.

Regards,
Dylan Lai, Director

Meet someone friendly & knowledgeable

Hi Everyone,

Janelle's a friendly Financial Services Consultant. She's knowledgeable in her area of field. She would understand my needs and share the informative financial updates and information with me proactively.

Regards,
Yan Hua, IT Analyst

Meet someone good at communication

Hi Everyone,

Janelle is a good communicator. She explained insurance products clearly, able to suggest and customize a solution based on my needs. A plus point about her services is punctuality and preparedness for the meeting, I am happy and satisfied with the overall experience.

Regards,
Rey, IT Analyst

Meet someone patient

Hi Everyone,

Hi Everyone,
Janelle was very patient throughout the financial planning process. She kept in touch and followed up with me patiently. She helped to analyse my current financial portfolio and explained to me what I had missed out. I'm satisfied with her consultation and services provided.

Regards,
Vincent, IT Engineer

Meet someone friendly

Hi Everyone,

Janelle's a friendly Financial Services Consultant. She proactively provided me the information relevant to my financial portfolio to address my concerns/needs. Most importantly she explained well on how can I do better in financial portfolio planning.

Regards,
Thi Diep My, Engineer

Meet someone clear with her explanation on retirement planning

Hi Everyone,

Janelle's very clear with her explanation on my retirement planning. She helped me to visualise by calculating how much do I need for a comfortable retirement life. With that, I have more confidence to take proper actions to move towards my desired retirement goal.

Regards,
Nick, Senior Design Engineer

Meet someone good with communication

Hi Everyone,

Janelle was referred by my boyfriend. She's good with communication. She would understand my needs and address my enquiries patiently.

Regards,
Hilary, Compliance Officer

Meet someone good at financial health check

Hi Everyone,

The overall financial health check session was very good. I could understand and visualise the financial planning journey clearly via the boat story. Would recommend Janelle's services to my friends.

Regards,
Cong Nyugen Thanh, Software Engineer

Meet someone professional

Hi Everyone,

我是通过朋友介绍下认识慧宾的。慧宾很专业的根据我的需求来进行规划。我很放心的把自己的portfolio交给她管理。

I got to know about Janelle through my friend. Janelle designed the financial planning professionally based on my needs. I felt assured to let her to manage my portfolio.

Regards,
Chin Poh, Manager

Meet someone persevering

Hi Everyone,

Janelle was persevering, yet not pressurising with her approach. She's approachable and professional in providing the right information for my financial planning, while not being overwhelming with it.

Regards,
Bernard, Engineer

Meet someone who is expertise in retirement planning

Hi Everyone,

Janelle's an active listener who listened and understood my needs. She's expertise in providing the solution that best fit into my portfolio for retirement planning.

Regards,
Salvador, Sales Manager

Meet someone professional and patient

Hi Everyone,

慧宾是我好朋友的顾问, 我是通过好朋友介绍下认识她的。我很欣赏慧宾的专业与耐心，她很仔细的讲解保险规划内容。以前我对保险规划只是一知半解，听了她的讲解后已经了解与明白如何进行规划。

Janelle is my good friend's Financial Services Consultant, I know her through referral. What I like about Janelle is she's very professional, patient and she explained the insurance planning clearly. Previously I was not clear about insurance planning. Now I'm fully aware and understand how it works after meeting her for consultation.

Regards,
Angela, Finance Executive

Meet someone very responsive and put your needs first

Hi Everyone,

Janelle's very responsive Financial Services Consultant. She'd respond to my enquiries swiftly. While designing the financial portfolio, she'd understand my needs first and explain the policy details patiently.

Regards,
Ing Ming, Engineer

Meet someone friendly & easy-going

Hi Everyone,

Janelle is a very friendly and easy- going Financial Services Consultant. She'd follow up with me on my needs of coverage and keep me update with financial information.

Regards,
Tom Low, Engineer

Meet someone meticulous and patient

Hi Everyone,

Janelle is very meticulous in analysing client's financial situation and advises accordingly the relevant plans that can help the client manage his/her finances better. She is very patient in explaining the plan details.

Regards,
Jian An, Marketing Manager

Meet someone amazing, kind and helpful

Hi Everyone,

Janelle is amazing! She's a kind and helpful Financial Services Consultant. She's very approachable and knowledgeable with her products. Most importantly, she's not pushy and able to deliver the whole financial/insurance planning in a simple and straightforward manner.

Regards,
Eric and Susan

Meet someone reliable and responsive

Hi Everyone,

Janelle's a reliable Financial Services Consultant who we trust with. She's very responsive with our enquiries and put us as her priority when we need her assistance. Most importantly, she will make time for us when we need her. We will recommend her services to our friends who are working in Singapore.

Regards,
Enrique & Macarena

Meet someone who is service-oriented

Hi Everyone,

Janelle is a service-oriented Financial Services Consultant. She is equipped with good financial product knowledge and prompt with follow-up. Most importantly, she understands my needs and able to advise appropriate actions need to be taken for my retirement planning.

Regards,
Lawrence Tan

Meet someone very patient and friendly

Hi Everyone,

Janelle is very patient and friendly. I felt very comfortable throughout the discussion. She explained everything in detailed and clearly, and would provide professional advice. She would understand my needs first then recommending suitable solution that could fit into my current portfolio.

Regards,
Suh Jeng, Chemist

Meet someone provides proper consultation

Janelle did the consultation properly. She would provide the recommendations based on my needs and concerns. Her way of consultation made me feel comfortable with assurance.

Jeffrey, Draughtsman

Meet someone nice

Hi Everyone,

Janelle is a nice lady. She presented the solution in an understanding way after identifying my needs. I felt relax and comfortable throughout the financial planning consultation.

Regards,
Kavitha

Meet someone friendly, sincere and will seek to connect

Hi Everyone,

Janelle is a good listener! She is friendly, sincere and will seek to connect to establish a relationship rather than just selling products. She doesn't hard sell and provide good service to her clients.

Regards,
Alvina, Teacher

Meet someone professional, kind and resourceful

Hi Everyone,

As a fresh graduate, I feel it is important to know how to plan your financial and savings well from the start. Thus, I felt fortunate to meet up with Janelle to understand and know about financial planning. She is very professional and kind and resourceful in her work. She shared with me on how to plan my personal financial portfolio by showing me the timeline with life goals. I could fully understand the entire process and what can be done to ensure the financial stability at different life stages. Thanks Janelle!

Regards,
Rae

Meet someone who is easy to communicate

Hi Everyone,

Janelle is someone who is easy to communicate to. She explained our needs and concerns in details. Will recommend her services to my family members and friends.

Regards,
Zulhilmi & Nelly

Meet someone provides holistic financial planning

Hi Everyone,

Janelle provides holistic financial planning. During the consultation, she would understand my background and requirements first before suggesting or recommending. I felt respectful and comfortable throughout the consultation process.

Regards,
Fugen, Event Planner

Meet someone patient and professional

Hi Everyone,

I felt very comfortable with the overall experience and consultation process. Janelle answered all my business related enquiries about investment and funds patiently. She was able to provide satisfactory and comprehensive answer with the questions posted.

Regards,
David, Designer (Consulting)

Meet someone provides personalised consultation

Hi Everyone,

Janelle is persistent with what she is doing. I like her way of doing consultation which is personalised and catered to my needs. We have established a good relationship after meeting for a few times.

Regards,
Arnold, Software Engineer

Meet someone good in listening

Hi Everyone,

Janelle is a good listener. She was able to understand my needs, made appropriate recommendations, and prompt with follow-up as well. That's differentiated her from other Financial Services Consultants who I've met before.

Regards,
Farihin, Project Manager

Meet someone friendly and professional

Hi Everyone,

Janelle has given me a great start on how to start financial planning at a young age and how it would benefit me at different stages of life.

Regards,
Maityili, Student

Meet someone who is an active listener

Hi Everyone,

Janelle is an active listener. She was able to pick up subtle points that I talked about in my conversation with her & made the appropriate recommendations that met my needs. She is prompt with her follow-up too. I would most certainly recommend her service.

Regards,
Hayati, Senior Director

Meet someone friendly

Hi Everyone,

Janelle is very friendly. She has explained all the benefits of the financial tools and informed me the drawbacks as well. Thank you!

Regards,
Sankar, Engineer

Meet someone genuine, friendly and prompt with updates

Hi Everyone,

Janelle is genuine, friendly and prompt with updates and follow up. She's very resourceful and provided detailed information for me to make a well-informed decision for saving/investment planning. I would recommend her to my friends and family.

Regards,
Dileep, Manager

Meet someone explains things well and in details

Hi Everyone,

Janelle explained everything well and in details. She proposed a few proposals based on my financial portfolio and needs, and that's very helpful for me to make well-informed decision. I would recommend her services to my friends who may need it.

Regards,
Arun Singh, Manager

服务态度非常好，很有效率

Hi 各位朋友们,

慧宾的个人服务态度非常好，很有效率。当她知道我意外受伤时，对我关怀备至，时不时都会收到她的慰问，给她100% 。意外保险真的很好，没想到运动闪到腰, 看中医都可以索赔，非常满意这个保障与服务!

Regards,
Siew Lian, Admin Officer

Meet someone good in listening

Hi Everyone,

Janelle is a good listener. She will listen and understand my perspective before giving me any advice or recommendations. She is generous in sharing her knowledge and experience as well. She always engages me with a cheerful conversation that make me feel very comfortable.

Regards,
Sean Ong, Manager

Meet someone who is able to listen and understand your needs

Hi Everyone,

She is able to listen and understand client's situation, providing advice per specific needs. I would recommend her services to those who need it.

Regards,
Shoureen Shah, Head of Procurement

Meet someone attentive & passionate with her job

Hi Everyone,

Janelle is attentive and passionate with her job. She is humble and answer all my questions carefully. It is easy to get in touch with her, and she is responsive with all the queries in short period of time. Good after-sales services.

Regards,
Owen, Designer

Meet someone friendly

Hi Everyone,

Hui Pin (Janelle) is very good with customer interpersonal communication skill. She is friendly and understands customer needs. Awesome! Keep it up!

Regards,
Kelvin Tan, Amway Business Owner

Meet someone humble

Hi Everyone,

Hui Pin (Janelle) is a humble lady. She will understand the needs first before proposing solutions that best fit into the requirements.

Regards,
Sachin, Project Manager

Meet someone who is patient, consistent and meticulous

Hi Everyone,

Janelle has been patient enough to explain the various policies and its benefits. She is consistent and meticulous in the various illustrations of investment/saving plans. She keeps communicating and manages the timing of all appointments well in advance. Thank you!

Regards,
Thomas, Software Engineer

Meet someone extremely helpful

Hi Everyone,

Janelle's extremely helpful in arranging all the appointments for myself and my fiancee, helping secure the best benefits and insurance we need to start our next chapter together. Thank you for your patience and support!

Regards,
Mark Azzopardi, Manager

Meet someone passionate and caring

Hi Everyone,

Janelle's passionate with helping people in financial planning. She is caring and serve people with all her heart. People are more open-minded to discuss the financial goals and issues with her. I would recommend her services to my family and friends.

Regards,
Stephen, Life Managing Director

Meet someone friendly & patient

Hi Everyone,

She's very friendly and patient to advise on all my concerns and enquiries. She had provided complete and professional services, information to address my needs and concerns. She also assisted me to review my financial status, to ensure the plan proposed could meet my needs and budget. Thank you, Hui Pin (Janelle)!

Regards,
Wen Wen, Treasury

Meet someone professional

Hi Everyone,

Very professional! I had a very pleasant experience with Hui Pin (Janelle). She's patient, friendly and professional. She did her best to understand my needs, explained every single details to ensure I was well-informed. She's willing to share her knowledge and experience in financial planning, which was very helpful. Most importantly, she would ensure I got the most out of every dollar I put in. Thanks much, Pin!

Regards,
Isabella Teo, PA of Business Director

Meet someone patient and genuine

Hi Everyone,

Both Janelle and Angela were patient in understanding my needs before diving into offering the range of products and services available under AIA.

What I really appreciated was that both of them were genuine and not pushy at all. Through their assessment I got a better understanding of what was my current financial situation and what products will best cater to it.

I would be more than happy to recommend Janelle and Angela to my family and friends.

Regards,
Yvonne, Project Manager

Meet someone interesting

Hi Everyone,

Janelle is friendly and able to match the right product based on my needs. She proactively helped me to find and gather relevant information which was very helpful to my decision making process. I would recommend her service to my friends and family.

Regards,
Yang Ming, Engineer

Meet someone interesting

Hi Everyone,

My wife and I are very happy with Janelle's professional financial planning services. She is knowledgeable and able to design the plan based on our needs and financial condition. We are very satisfied with the overall experience and definitely will refer family and friends who need her services.

我和妻子对Janelle的专业理财规划服务非常满意。她知识渊博，能够根据我们的需求和财务状况设计计划。我们对整体体验非常满意，肯定会推荐需要她服务的家人和朋友。

Regards,
Mr & Mrs Yeoh

Meet someone professional

Hi Everyone,

Janelle and Charles have displayed great professionalism to fully understand my needs, carefully designed the financial product to address my main concern. They have given me insightful input on how I can use the financial tools to enhance my financial portfolio. After knowing my needs, they came out with 3-4 proposals for me to choose from. To facilitate the decision-making process, they sent me relevant information and brochures to ensure I had all the required information to make well-informed decision. I am satisfied with the overall experience and would recommend their service to my friends.

Regards,
Raja Vamsi Adiraju, Director

Meet someone interesting

Hi Everyone,

Janelle is a very responsible person. She knows that financial services is a career that can help and impact many people live positively. She always knows what her goals are and is very serious about it. I will not hesitate to recommend my friends who need her financial planning services.

Regards,
Eve, Trainer

Meet someone interesting

Hi Everyone,

Janelle is a responsible, patient and cordial Financial Services Consultant. She always patiently understands the needs of the customer and assists them to choose the right financial tools based on their financial portfolio. I am very happy to recommend her to someone I know.

Regards,
En En

Meet someone interesting

Hi Everyone,

Janelle is an honest lady who always stay truthful to people. She is friendly, hardworking and passionate with what she is doing. I'd love to recommend my family and friends who may need her financial services.

Regards,
Thian, Customer Service

Meet someone interesting

Hi Everyone,

I have known Janelle for years, she is someone trustworthy. I like her honesty that differentiates her from other consultants. I would recommend her to my family and friends who looking for financial services and advices.

Regards,
Jimmy, Inventory Section Leader

Meet someone interesting

Hi Everyone,

I have known Janelle since year 2011. She is a friendly, approachable and patient lady. I like the way how she communicates, it always makes me feel comfortable. I would recommend her to my friends and family members who need her financial planning services and advices.

Regards,
Ricky, Product Return Services Assistant

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.

Janelle Chong Hui Pin

Senior Financial Services Consultant

Janelle Chong Hui Pin

Senior Financial Services Consultant

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