Grace

Prudential Financial Consultant

Grace

Prudential Financial Consultant

I had the privilege to start my career at an investment bank, where I was grateful to have learned the importance of quality service and work ethics. With a long term desire to be part of a service business and be in pursuit of financial knowledge, I decided to join the financial planning industry in 2018.

I believe in consistently putting my 100% to understand the goals of every individual I meet, and to work together to provide a solution personalised for each client. My primary goal - to be a trustworthy Financial Consultant to all my clients and to ensure a comfortable financial future for them based on their needs and with my experience in managing ~400 clients.

I am here to assist you in making your financial goals a reality. Happy to chat anytime about your goals!

Among her accolades:
Top 20 Financial Consultants (President's Club) 2022-2023
Top 3 Executive Financial Consultants 2023
Top 30 Financial Consultants 2019 - 2021
Top of the Table (TOT) 2022 - 2023
Court of the Table (COT) 2020 - 2021
Million Dollar Round Table (MDRT) 2019

Grace Tong
representing Prudential Assurance Company Singapore (Pte) Ltd
Reg. No. 199002477Z
Email: gracetongjy@pruadviser.com.sg
Approval code: 157/06Mar23

www.prudential.com.sg/FC-info

Work
- Prudential Assurance Company Singapore (Pte) Ltd
Credentials

Newsletters

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

Worked with Grace in her previous job and she always had a friendly demeanour, which makes it easy to share my concerns. Through proper understanding, she assists to recommend and does not push products.

She has been very helpful with my policies, assisting me thoroughly in areas I had queries about with the company. She also reaches out actively to ensure I am updated on my policies, which is a welcomed change from my previous consultants. Highly committed to her work, I would recommend Grace to anyone who needs advice planned in their best interests.

Gerrard (Investment Bank Ops Senior Leader)

A dedicated Financial Consultant

Grace has shown a commitment to excellence and clearly putting her clients in first place. She follows up on the queries promptly and offers useful solutions. No hard selling but always a constructive open discussion with her. Her dedication has been evident based on my dealings with her. Well done Grace!

Patrick (Audit Partner)

Warm, hardworking and professional

A warm, hardworking and professional advisor, I got to know Grace through a loved one. Grace takes the time to get to know her clients and puts in the effort to help us safeguard our interests. I especially appreciate her patience in helping me familiarize myself with the material aspects of insurance, and her ability to provide succinct pieces of advice that are helpful and to the point. Thanks Grace!

Therese (Lawyer)

Responsible and trustworthy

Responsible, reliable and trustworthy, Grace embodies the traits of a great Financial Consultant. She is not only warm and jovial as a person but also precise and accurate when it comes down to business. She conducts herself professionally and displays great patience when dwelling deep to understand my present financial situation and future plans for myself personally and my family as a whole. With her help through our discussions, she has helped me plan for my future with great detail and care to ensure that I meet all my financial goals and have sufficient protection for my family throughout my journey. She is a sincere and true friend and I appreciate all her help and support.

Adrien (Private Banker)

Upon my first encounter with Grace, I was immediately struck by her approachable and amiable nature. She took great care to explain the fundamentals of financial planning and the nuances of various policies with remarkable patience. Prior to suggesting any relevant products, she took considerable effort to comprehend my present circumstances, needs, goals, and future plans. Engaging her as my financial consultant has been an absolutely rewarding decision, and I have no cause for regret.

Kah Yee (Engineer)

I have known Grace for a long time as a fellow aerialist, and never once has she bothered me to purchase anything from her. From time to time, I would pop up out of the blue and ask her random questions on a particular insurance-related topic, and she has always given me her time and answered my questions (even as a non-client).

Today, we spoke about purchasing a Personal Accident plan for myself. Actually, I was pretty much prepared to simply purchase this myself on Prudential’s website and indicate her as the advisor serving me. I was surprised that Grace wanted to bring me through this personally given that it is a fairly straightforward policy (and therefore a “lower value” one for her in terms of earnings). Our conversation ended up being more than 1 hour! I appreciate the detail and care which Grace put into her presentation of the policy options, and the efficiency in which the purchase was effected (I barely had to do anything, it was great). She took a position as to what was and was not suitable or recommended, and explained it very well. I left feeling that I had made a considered purchase and did not feel pressured or overwhelmed at any point in the process.

Another point of note for those considering Grace to act as your financial advisor: she’s been in the field for a while and is a consistent top performer at Pru, which means that she is probably less likely to quit the company/field and leave you hanging!

Shu Yu (Lawyer)

Hi ,

Grace is warm, friendly, sincere and professional. I really appreciate how she always took the effort to listen to and understand my thoughts and concerns. She was also helpful and happy to answer any queries I had, and always placed my interests first when making recommendations. You can tell she is passionate, hardworking, and ready to go the extra mile where needed. I am really glad to have met Grace and would be happy to recommend her to others.

,
Lucas (Lawyer)

Hi ,

Grace has been very thoughtful, always here for us whenever we need help. She is very approachable and you can trust her with our needs, and giving us advices that suit us the best. Beyond that, she goes the extra mile to check in with us. Appreciate that!

,
Jia Hui (Business Owner) & Ke Xin (Marketing)

Grace was referred to me by a loved one just as I was looking to review my insurance policies, consolidate them and solidify my coverage. From the get go, she was amicable, knowledgeable and discerning which really helped when it came down to discussing my financial needs and the sort of products that would benefit me. At no point did I feel the pressure of hard-selling that is commonplace when it comes to financial products, and I felt that Grace listened to my concerns, took them into consideration and was genuine in her approach.

In addition, due to previous medical conditions, my insurance journey was a bit more complex than simply signing the necessary documents but Grace was patient and persistent in assisting me in whatever ways she could to make the whole process smooth. Truly appreciated her efforts.

I would definitely recommend her as your financial adviser.

Vignes (Doctor)

I am speechless right now. I have lots to say but I am really grateful & thankful meeting with Grace. She helped me when I was going through a difficult page in my life (Surgery & Radiotherapy) No words Grace! Continue to be a blessing.

Meriam (Administrative Manager)

I really appreciate every step you take to secure our financial planning. It makes us feel like we are in good hands for our future. We feel safe and informed too. The knowledge that you have and the sincerity you put into your job reflects in our planning. Thank you for being so motivated and honest. It helps us stay on track.

Janani (Investment Bank Ops) and Srikanth (Engineer)

Grace was very approachable and accommodating. She tries to understand my needs and builds good relation before any recommendations. She was also very proactive in keeping me updated and addresses my concerns whenever I’m in doubt. Thanks for having me covered!

Oaken (Auditor)

Grace was referred to me through my trusted network. From the get go, she listened to my requirements and offered sound advice in a sincere manner. Targeted questions enabled Grace to ascertain my situation where she articulated not only her depth of product knowledge but also translate the complexities for ease of understanding. Her attentiveness to details picked up along the way facilitated the answers to my questions - delivering a pleasant and comfortable conversation throughout. Thank you!

Chris Wan (Oil & Gas Manager)

Really grateful to Grace for giving me a clearer picture of insurance and catering to my needs! Highly recommended to anyone who wants to be more efficient in their financial planning.

Frank (Trader)

I first know Grace as a financial consultant when I was approached by her years back and I am extremely glad I stopped to listen. Since then, she has turned into a friend and more importantly, an excellent financial consultant.

Highly responsive, responsible and patient, she takes the time to ensure that you have understood fully the policy before purchasing and has been quick to respond to any subsequent queries I have.

I feel safe and assured with her as my financial consultant.

Jonathan (Accountant)

As someone in my late-20s, I've always felt that managing financials has a steep learning curve - I have little to no formal training, and it has become a constant worry for me that my money is just not going where it should.

For this reason, I'm really glad I met Grace. She helped me map out my short and long term financial goals, and explained how I could optimize my insurance coverage to best fulfill my needs. With her pleasant demeanor, crystal-clear presentation style, zero hard-sell and most importantly a comprehensive mastery of financial and product knowledge, Grace has aided me in understanding not just insurance but my overall financial situation better.

Some might find it daunting to meet FAs - but for Grace, I'd definitely say give it a shot. It's not easy to find someone so customer-centric and committed to creating value.

Vince Yip (Product Specialist)

Helpful and knowledgeable

Grace was incredibly helpful and knowledgeable and explained all of the terms very clearly and I look forward to working together in the future. Thank you for all of your help.

Alex (Project Manager)

Patient and Precise

She had an approachable vibe in the beginning which made it easy for me to verbalise my worries. She worked within my budget since I was just starting out in my insurance journey. She didn’t hardsell other products by Prudential even when she could. She helped to simplify the jargons I didn’t understand. Thank you for your help!

Charlene (Healthcare)

Meticulous, responsible and passionate

My impression of Grace is an enthusiastic person with a cheerful personality. She is also very meticulous, responsible and passionate in her job.

As an agent, Grace displayed great knowledge in her role and had provided me with comprehensive plans that cater to my need. Thanks to her, my knowledge in insurance policies has expanded drastically and she is definitely a person I could look up to upon doubts.

Beside policies, Grace is also open and keen to casual chats which breaks the ice between her and the clients. I had a nice time chatting with her which made the whole process really pleasant.

Overall, Grace has balances well as a professional and a friend to her clients. I believe my financial plan will be no doubts in good hands to her.

Ronald (Engineer)

Clear and provides insightful perspectives

Hi All,

Grace was introduced to me by my sister, and very approachable during our discussion and made me feel comfortable talking to her and asking her about any queries that I had. She was very clear in her explanations and offered a new perspective on the policies that were being recommended. Glad to have met up with her (though virtually)!

Regards,
Janice (Healthcare)

Personable, well-spoken and professional

Grace was incredibly friendly, personable, well-spoken and professional. She evidently takes her job very seriously and I could trust that she knew everything there was to know about each policy in Prudential. Her multiple accolades are a testament to her hardworking and amiable nature. Grace’s ability to simplify technical jargon is quite remarkable.

Shan Yi (Film Producer)

Genuine and understanding

Had a session with Grace through my friend’s recommendation and it was a really nice and beneficial one. She was genuine and make the effort to understand my lifestyle to better review my plans. Best of all, there were no hard selling. She gave me really good advices that was useful and insightful. Thank you grace! :)

Chris (Pre-school teacher)

She always has my best interests

I have always deprioritised insurance and insurance to me was a “good to have” but not a “must have”. I did not have a good impression of Financial Consultants and felt that they were often trying to push products which would give them the highest commission.

Grace gave me a completely opposite experience. Through her patient guidance, I understood how essential insurance was in hedging risk. Grace took the time to understand my life priorities and analysed what would be the most suitable products for me. I know that she always has my best interests at heart and I can trust her completely with my financial portfolio.

I would recommend Grace to anyone looking for a capable, understanding and above all, trustworthy Financial Consultant.

HJ (Stat Board Analyst)

And so the journey begins!

Grace, as I know her, is an extremely talented and driven individual, someone that I want to see do well in her endeavors. What I find truly stands out about her, is her approach from the clients perspective coupled with the implicit product research that went on behind the scenes, topped up with a very ’Grace-like’ client-centric service that will exceed your expectations. Imagine that and you will know, these are oftentimes inherent attributes in people.

Obviously it’s natural to be skeptical about anything that you are sold on the streets, but the short conversation we had had already set her apart from the others. It turned out pretty quickly that I was the fortunate one in this meeting. For starters, Grace made sure we started off on the right foot by getting to know her client and having her client to know her better, which is that ideal two-way approach for a long term relationship you would want to have with your financial consultant. The quality of product recommendations that she makes thereafter, bundled with the research that she has done and cost benefit analysis based on your profile, would be the conclusion of your research had you been extremely diligent, only that it’s a version that is so much better.

In the fragmented industry of structured retail products the most important factors to be considered would be: the trust in the provider and the product research & analysis. However, that would still be insufficient if without the strong financial knowledge as the foundation. The lack thereof is usually what deters people from these products, which depending on circumstances are actually beneficial not only to them but also to the people around them and their lifestyles. Grace’s various stints in the financial industry and her analytical approach have been instrumental to providing the conclusive bulletproof recommendations that so require as clients. As proof of being a cut above the competition, the majority of her existing clientele are from the financial industry. Personally for me, it comes as no surprise that these financially sophisticated individuals would choose to work with her on their own financial planning.

I hope that you will find this testimony to be a conclusive experience for you and that you will also soon share your experiences with others in the near future.

Bryan (Asset Manager)

Grace invests her time to cultivate a personal relationship, beyond understanding my financial needs. In spite of her accomplishments in this area, she continues to seek feedback for growth! Keep up the great work, Grace!

Cherlyn (Investment Bank Ops)

Helpful and Responsible

Grace is a very helpful and responsible Financial Consultant to have. The insurances introduced by her are catered to your needs based on your financial capabilities.

I am someone who doesn’t understand much about what sort of protection I need for myself but thankfully, I have Grace here to explain and simplify it for me.

She is also very meticulous and will go an extra mile to bring the greatest satisfaction to her clients.

I am glad that my friend introduced me to Grace and I’m sure whoever has her as their Financial Consultant will feel the same way and will be well protected too.

Jin Yong (Investment Banking Operations)

Pleasant and individualized experience

Having to understand ones own future security needs can be a daunting task.
Some may even procrastinate in making quintessential decision on the right insurance policies when facing an array of options.

My wife and I were glad to have taken that big step with the help of Grace.
She had shared with us information that can be so overwhelming in such simplicity and comprehensive manner.

A great thank you to Grace for the pleasant and individualised experience.

Franklin (Physio Business), Eri (Fund HR)

Patient and Understanding

Grace is a very helpful consultant who is always ready to understand your needs and see things from your perspective.

I met her on my way home and her smile stopped me from my rushed steps.

Throughout our interaction, she explained things clearly with a combination of visual picturing and verbal illustration.

She is always patient, regarding your questions and constantly checks if you are following or not.

Thanks for her help!

Rebecca (Corporate Banker)

Trustworthy, Informative, and Meticulous

If I were to describe Grace as my Financial Consultant in 3 three words, it be trustworthy , informative and meticulous.

During our financial planning session, Grace provided informative insights pertaining to the different plans with credible statistics and highlight the pros and cons very thoroughly! In addition, Grace was also very patient with my questions and gives me different perspectives of understanding that I couldn’t had visualised by myself. I felt really assured and put my trust in Grace as I know she is someone that will have the best interests for her client! I will highly recommend her anytime to my friends who does not have coverage! :)

Mei Yee (Investment Bank Operations)

Experienced and good listener

Got to first know Grace from her previous role prior to join Prudential. At the previous firm, Grace was highly productive and very well regarded in the firm.

Grace made her transition into a new field look effortless. Her analysis and recommendations seemed to be from an experienced planner. She makes sure to listen and was ready to make adjustments where needed.

Thanks for reaching out Grace!

Leon (Investment Bank Operations)

Patient and responsive, my planning is in good hands

Hello!

Thanks to Grace's patience, I gained many valuable insights with regards to my financial planning and how to safeguard myself with the different plans that can be customised (to a certain extent) based on my life priorities.

Grace is very responsive to all my queries and requests, never expressing any unhappiness even when I changed my mind about certain plans. What's even more valuable is that she went above and beyond to highlight to me the impact /risk to my decision. I feel very comfortable to share my concerns with Grace and also leave my insurance planning in her good hands :)

With thanks,

Qian Qi (Investment Bank HR)

Friendly and professional consultant

Hi All,

When I met Grace, I was a uni fresh graduate and in the midst of paying my study loan. Therefore, I was in a tight financial budget. Fortunately, Grace helped me to evaluate my financial position and recommend me a insurance package which does not a burn a hole in my pocket. She analyzed my needs and cash flow meticulously, enabling me to purchase an insurance policy which is affordable and covers my basic needs.

Grace is a friendly, smart, professional and charismatic consultant. We had an amazing conversation about financial planning and insurance policies. She patiently explain the insurance plan and made sure that I understand all the details of insurance. I strongly recommend her as your financial consultant👍. Good job Grace!

Regards,
Chin En (Engineer)

A sincere and true friend!

Hi All,

I have known Grace for around 4 years. She treat friends with sincerity and is always willing to step in and help if need be. She simplifies complicated concepts and information and cater the best products to suit my need. Besides that, she addresses issues I have by letting me ask questions and understanding the worries I had. Really glad to have a patient financial advisor serving me.

Regards,
Wei Heng (Engineer)

SINCERE, PROFESSIONAL AND DRIVEN

I just want to commend Grace for her exceptional service in planning for my financial needs. As I’ve signed up quite a number of policies over the years, she took her time to understand all my policies and work out the area that require more attention, and plan accordingly to make sure I’m not missing out any area. Grace is very prompt in answering my questions and concerns and she posse’s excellent knowledge in her products to recommend the correct one that suits my need. I rarely take the time to write feedback such as this but when someone goes above and beyond to help a customer, she deserves the recognition. Thank you once again to Grace for the exceptional service and professionalism she provided me, appreciate that.

Kent Ong (Design Associate)

100% sincerity

Trust is hard to come by these days. I already had existing policies, but when I met Grace, I also met someone who embodied pure hustle and dedication in providing genuine value-add as a financial consultant. Grace was very patient and took great care to first understand more about me as an individual before even offering to review my existing coverage and make recommendations that were relevant to my personal goals. Zero hard sell and 100% sincerity is why I would choose to work with her at the end of the day.

Joshua (E-commerce)

Trustworthy and honest financial consultant!

Financial planning and buying insurance has always been very intimidating to me, because it was difficult to find a Financial Consultant that was trustworthy.

With Grace, I could confide my concerns in her and she would offer sound advice. I didn't have to worry as I knew that she has my interests at heart. She has made this usually troublesome process a painless one, and a big thank you to Grace for all your hard work on my case! Would definitely recommend her if you are looking for an honest and trustworthy Financial Consultant.

Mandy (Marketing Executive)

Thoughtful and pleasant to work with

Grace has provided me with very sound advice on financial planning and insurance needs. She understood my needs well, especially for retirement planning and children’s education planning.
I was convinced to beef up my balance of portfolio to balance between investments and retirement. She is thoughtful and pleasant to engage in meaningful planning scenarios. Highly recommended.

Lim (Oil & Gas Manager)

Trustworthy, kind and professional

My impression of financial consultants has always been one of wary and mistrust due to the nature of the industry. However, upon meeting Grace I found this to be very different. She has taught me the importance of financial planning especially with regards to protection.

I appreciate the fact that she does not force me to buy plans which i do not need and respects my decisions as well.

Trustworthy, kind, professional and most importantly honest, Grace has impressed me with her service. Good job!

Gerald (Sales Executive)

Warm, genuine, and reliable

Before meeting Grace, insurance seemed pointless and irrelevant to me, but after a few sessions, i'm now cognizant of the importance and applicability of insurance in my work life.

As i start on my new journey in the working world, it's nice to have someone to consult and to show me how i can protect myself financially.

She also taught me how to properly protect myself in the right areas, and not mindlessly place my assets in areas that doesn't need it.

She also has a warm and genuine personality which sets her apart from the other Financial Consultants that i have come across before.

I strongly recommend Grace as a Financial Consultant if you appreciate someone that shows genuine concern and gives reliable and accurate advice.

Jotham (Sales Executive)

Glad to have met her

I used to think that I’m pretty well covered when it comes to financial planning so getting a second opinion was not something that I am keen but Grace was able to show me where I can better protect myself with her invaluable insights.

Upon meeting her I thought I can actually trust her to enhance my portfolio and indeed I am very happy that I went ahead with Grace. On top of that, she even followed up with a self-made summary for me which comes in handy when I need that information!

Coupled with her jovial personality, these traits make her stand out from the numerous conversation I had with other financial consultants.

I am glad to have met Grace and have upmost confidence that my financial well-being will be well looked after.

Bryan (Senior Accountant)

Great product knowledge

Grace has been extremely sincere in our first coincidence together, and through our meetings she has shown good understanding of the plans she recommended that was customised to my needs.

Not only that, she was helpful with my existing policies despite them being from other companies. I would recommend Grace to anyone who would like a holistic financial planning experience.

Benny (Oil & Gas Business Development)

Understanding and patient, assured to have her as my Financial Consultant

Hi all,

I had always been adamant about buying policies as I found it difficult to trust others with my finances but it’s different with Grace! She took time to share her knowledge with me and to clarify the many doubts I had. She is also very patient in listening to my concerns and expectations, before recommending me products that are catered to my needs. Her passion in her work shows in the effort she puts into understanding her clients, and with her, I can’t feel more assured. Really thankful to have Grace with me through this journey :))

And yes thank you so much grace!

Regards,
Dawn (Teacher)

A different experience

I was reluctant to meet with another financial advisor, worried that it might be similar to my past experiences.

However, Grace has been very patient in listening to me, explaining my existing policies and helping me to optimise my plans to make the best of every cent I paid.

She is dedicated to her job, customer-centric and she ensures that I understood and only buy what I need.

Joon

Customer first service

Grace provides the kind of service that has the customer first in mind . She is trustworthy and provides excellent service which made dealing with insurance simple and effortless. She was able to understand and address my concerns, made recommendation that no other Financial Consultant did. I would definitely recommend her to anyone.

Kean Wai (Game Producer)

10/10 experience!

Grace was patient in explaining and breaking down all the financial terms for easier understanding and that really helped for someone who was just starting out in financial planning etc. She was helpful, knowledgeable and recommended plans based on your current wants and future needs. It was a rather fuss-free and easy experience working together. 10/10 highly recommend.

Mag (Product Designer)

Grace is someone who goes straight to the point and doesn't beat around the bush. I feel that she's doesn't push unnecessary products that are not essential or something that you are not interested in. Give her a chance as i believe you won't regret it.

Andrew (Auditor)

Genuinely caring

Hi friends,

Grace is truly a great person with great character. She is very trustworthy, genuinely caring, and professional.

Grace has my best interests in mind. She really took time to listen and understand my background and my plans for my future before making recommendations and exploring my options with me. I am so grateful for her thoroughness and time spent with me to make sure I have the best plan for my needs.

She has made the whole 'first-time-getting-insurance' process relatively easy and painless. This is a process I normally dread but she made it quite enjoyable. I would recommend Grace to any of my friends or family.

Regards,
Monica (Nurse)

Cheery and incredibly helpful

Hi friends,

Grace has been a joy to work with. She took my financial situation into account and provided solutions that were within my means. She was detailed in explaining the different policies to me and made the whole process painless. During our meetings she has always been cheery and incredibly helpful. I highly recommend speaking with her to get a sense of her character!

Regards,
Aaron (Advertising)

Grace

Prudential Financial Consultant

Grace

Prudential Financial Consultant

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