Benjamin Koh Jia Hao

Premier Financial Services Consultant

Benjamin Koh Jia Hao

Premier Financial Services Consultant

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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

COMFORTABLE family-friendly FINANCIAL PLANNING

Hi Everyone Out There,

Benjamin is a very dedicated and experienced agent who does his job really well and always does not mind going the extra mile to make sure our policies and well-being are well taken care off.

He is very meticulous when planning for our family’s policies and will always keep us updated frequently along the way. He ensures that we are well insured and is in good hands.

Benjamin is not pushy in sales, and will only recommend whatever that caters best for our family and children’s needs which makes us very comfortable throughout this financial planning journey with him. To add on, Benjamin is also very knowledgeable and familiar with his products which is a huge bonus for us as it makes me and my wife feel extra assured with his recommendations.

His responsiveness and dedication to his job makes us have zero doubts that he will always be just a phone call away if we need any further assistance too. Hence, we are really grateful to have him as our existing agent and will not hesitate to look for him again if we need to purchase more policies in the near future.

Regards,
Yunhe (Pilot)

Helpful, PAtient & responsible claims experience

Hi Everyone Out There,

I can only summarise Benjamin in 3 words: Helpful, patient & responsible.

Helpful: Despite not being the agent that sold us the plan (he took over the policies as our previous agent was not doing a good job), and having to take over with many backlogs, Benjamin went the extra mile to ensure all our pending claims and doubts are addressed. He's been a great help even outside of financial planning; I was having trouble figuring out how to pay my electricity bills online as well as requiring to clarify certain medical check-ups SMS, Benjamin was there to guide me step by step even though it is not within the scope of a financial advisor.

Patient: Benjamin went on to explain and update me on my existing portfolio. He was very professional and gave me a very detailed yet neutral updates. I had many questions especially when it has been sometime since I was updated on my portfolio. This is especially true in terms of a policy that I've gotten recently that does not seem to fit my objective. Benjamin patiently explained to me the advantage & disadvantage of the policy. I am very thankful for his timely advise as I've gotten this policy under the wrong impression and Benjamin was able to guide me through it and break down information to easily understandable pieces.

Responsible: After having to experience a very bad encounter with my previous advisor (not picking up calls, not submitting claims for me). I made it a point that the next financial advisor I get must uphold a high sense of responsibility as I do not want the same situation to repeat itself. Though I did not voice this requirement out, Benjamin has been very proactive, responsive and even despite there being hiccups in the claims process (AIA require a more detailed breakdown on my bill), he never failed to update us or return our call when required. I am very assured with him taking over mine & my family's entire portfolio.

Thank you for servicing me!

Regards,
Chiang Teck Fung (Retiree)

Family & Retirement Planning

Hi Everyone Out There,

My wife & I initially engaged Ben’s service to help our youngest to be covered for a Personal Accident Plan. Despite being new in this line of work, his enthusiasm and pro-activeness propels him to look for answers whenever he faces an obstacle. One example that illustrates the point above would be during the explanation of recommendations, not only did Ben explained in detail what the Personal Accident policy entails and covers, he went above and beyond to resolve our long-term concern on an existing plan that we gotten for our two kids about 20 years ago (we just casually asked!). Honestly, we did not have any expectations that our questions will be answered as we had a few agents over the years to help investigate it; none was able to provide a satisfactory answer to our question.

On the other hand, Ben was able to provide us with a clear picture of what transpired during the policy phase and how it became its present stage. He was very forthcoming of his opinions and honest with his advice. From that experience, we felt assured and allowed Ben to help with our kids Protection Planning as well as our own Retirement Planning. Despite being new in this industry,

I would strongly urge you to hear Ben out and I can reassure you that the way he plans and structures his recommendations will be for you & your family’s best interest!

Regards,
William (Engineer) & Jane (Engineer)

Annual Financial Review

Hi Everyone Out There,

Financial planning with Ben has always been a fun and interactive talk. He has put into various concerns and plans that you have voiced out into considerations of your current financial status and advise you accordingly. He will not make the session into a situation whereby he hardsell you additional policies.

I would recommend him to be a friend that you can speak about your concerns and he would recommend policies that would help you resolve those concerns.

Regards,
Guo Ren (Senior Executive Assistant)

Friendly & Helpful Financial Planning

Hi Everyone out there ,

I met Ida and Ben as they were taking over my previous agent's portfolio. They are very friendly and showed full understanding of my portfolio. They were also able to share helpful recommendations that are applicable to me based on my budget.

I enjoyed my sessions with them and would definitely recommend them to friends who need insurance/financial advice.

Regards,
Zi Xuan (Project Manager)

Meet someone interesting

Hi Everyone out there,

I’m a student with no prior knowledge about finance or investments at all, thus I was a bit unsure or “paiseh” before consulting Ben.

But to my surprise, he was super enthusiastic about answering my questions (no matter how minor) and was very VERY patient with me to help me understand even the basics of investments and insurances. I’m very grateful for the advice he gave me!

Regards,
Seth (Student)

Dedicated & Trustworthy financial advisor

Hi Everyone out there,

I have been working with Benjamin for the past few years, and I can say without hesitation that he is one of the best agents I have ever had the pleasure of working with.

Benjamin is always available to answer any questions I may have and is incredibly knowledgeable. He takes the time to understand my unique needs and provides me with personalised recommendations while ensuring that I have the coverage I need.

What sets Benjamin apart is his commitment to customer service. He is patient, attentive, and always goes above and beyond to make sure I am satisfied with the service I receive. He has a friendly and approachable demeanor, which makes him easy to work with and builds a strong sense of trust.

In addition to his excellent customer service, Benjamin is also proactive in keeping me informed about any changes that may affect my coverage. He takes the time to explain complex insurance terms in simple language, making it easy for me to understand.

Overall , I highly recommend Benjamin to anyone looking for a knowledgeable, dedicated, and trustworthy financial advisor.

Regards,
Xizi (Product Manager)

Patient & Knowledgeable

Hi Everyone Out There,

Benjamin is a very patient and knowledgeable consultant. He is able to relate and cater to my needs.

Although my policies were not bought through him, he made efforts to meet and understand what transpired between me and my previous consultant's advice and advised accordingly. He made me feel like I'm talking to a friend unlike others!

Regards,
Jordon (IT Engineer)

Responsible & Helpful

Hi Everyone Out There,

Benjamin is a responsible and helpful agent, who does his job very well. He makes sure that we get the plans best suited for our family and when we needed his assistance, he was fast to reply and to take care of matters, so we didn’t have to worry about paperwork or payment.

He makes sure to follow up on us and sees that everything is alright. He is very patient to explain policies again and clarify any questions when we are unsure. We feel well taken care of with him as our agent.

Regards,
Chan Family (Scientist+ IT Engineer)

Expert & Professional Financial Planning

Hi Everyone Out There,

Benjamin is incredibly knowledgeable about the insurance industry and has a keen eye for detail. He always takes time to thoroughly explain my policy coverage and answer any question that I may have.

His expertise and professionalism have given me the peace of mind that I am properly insured. He truly cares about his client, and I never felt rushed or pressured when working with Benjamin.

Thank you, Ben, for your outstanding service and dedication to your clients!

Regards,
Carlson (Optician)

Comfortable Financial planning

Hi Everyone Out There,

I bought the AIA hospital plan from Benjamin. I've known him back during our NS days. He is a down-to-earth person whom I feel comfortable entrusting the insurance planning to.

Ben takes the time to patiently explain the policy coverage and does not hard-sell products that are not required based on my needs and abilities at the moment.

Recommend.

Regards,
Joel (Product Manager)

above & beyond financial planning

Hi Everyone Out There,

I recently got a new insurance policy with Ben and I couldn't be happier with the service I received. From the very beginning, Ben was helpful, knowledgeable, and patient as he walked me through my options and helped me find the coverage that was right for me.

Not only was getting insurance policies seamless and stress-free, but Ben was also there to help me every step of the way, answering my questions and addressing any concerns I had.

He truly cares about his clients and goes above and beyond to ensure that they are fully protected. I would highly recommend Ben to anyone in need of insurance.

Regards,
Tharinda (Engineer)

Heartfelt financial planning

Hi Everyone Out There,

I am writing this testimonial to recommend Ben as a financial advisor. I got to know Ben through my previous job, and he has been a good friend who is patient and sincere.

Initially, I have no idea what good financial planning is, until I met Ben. He went the extra mile to provide details and explanation for the various policies available. He helps me to analyze my current financial status so that the best plan can be recommended. It is really nice to work with a financial adviser who always put the needs and preferences of his clients first.

Thank you so much for being an incredible advisor and listener! From helping me to put things into perspective to preparing me for great things in the future.

I have no doubt in recommending Ben to any of my friends and family.

Regards,
Wan Wei (Research Engineer)

Claims Experience

Hi Everyone Out There,

Ben was such a good help to us, when we went through the whole claims process. It took him a few weeks, what took another agent months to do. So happy we changed agent and got Ben.

Would highly recommend his services to others!

Regards,
Kristina (CEO)

Wholistic Financial planning

Hi Everyone Out There,

I am so thankful for the connection with Benjamin through my daughter. Ben is an amazing insurance advisor with great character, sincere, friendly, very professional, great listener, patience and trustworthy. Rare to find in the insurance industry comparing to those young people I have met.

Ben has been an excellent help to consolidate and review all my existing policies even though these were not purchased through him. That really helps to refresh my memories and give me an overall view of what I have. Ben is extremely prompt and efficient in assisting me with my insurance policies and any questions that I asked, and he always follow through. Thanks for his enthusiasm! Excellent customer service!

What I really like about Ben, he doesn’t hard sell, he listens, and he advise according to customer’s needs and recommends only relevant products that is in the customer’s best interest. Without any hesitation, I took Ben’s advice on SRS investment. The process was easy and smooth.

Ben is very professional and knowledgeable but most importantly very patience and kind, wonderful experience with Ben. He is always available to answer any questions and has wonderful personality.

If you are looking for insurance advisor, look no further!

Regards,
Amy Chiu (Analyst)

honest and upfront financial planning

Hi Everyone Out There,

I've known Benji for a few years and recently I seek his advice on some of my existing policies and investments.

He went above and beyond what I could've ever expected to help me get all my doubts and questions answered. He is very thorough with his work, and is honest and upfront about things.

I believe, that's the true sign of a trusted advisor for anyone!

Regards,
Rahul (Software Engineer)

Patient, Sincere & professional financial planning

Hi Everyone Out There,

We were referred to Ben when my policies lapsed. He was really honest and detailed when explaining my current policies and the gaps in my portfolio. Ben also shared what would be be a better fit according to my current financial situation.

He is extremely patient, sincere and answers our queries efficiently and professionally with empathy.

Regards,
Geraldine (Administrative Executive)

Patient, helpful, detail-oriented financial planning

Hi Everyone Out There,

Benjamin is patient, helpful, detail-oriented and considerate all the time.

Before I met him, I was afraid & really scared of those hard selling and misleading sales person. However, meeting Ben changed that perception because he will place understanding your needs and wants first, before proposing any solutions.

Financial planning and advised given was useful. Ben updates me regularly on my policy as well as follow-ups when required.

Last but not least, he is a very responsible person who treats his client seriously, considers their situation and is caring. No joke, he will nag at you when you make nonsense decisions (Hahahahah…)

Regards,
Yukey Teng (Assistant Manager)

Annual Review

Hi Everyone Out There,

Ben has been servicing my hospital plan for more than a year so far and has been very patient in explaining to me the queries I had regarding the various plans that I am considering getting.

It has been a pleasant 1 year engaging Ben to help me with my financial/insurance planning and would definitely recommend him to others who are also looking for suitable financial/insurance products.

Regards,
Jin Xing (Executive)

Well-Informed & sound Financial advise

Hi Everyone Out There,

Benjamin is a humble and sincere agent; Well-informed in his trade & giving sound advise without being pushy.

That is a big plus point in dealing with an insurance agent. Aside from that, Benjamin is always ready to lend a listening ear and is a patient guy.

Will strongly recommend him to other friends and associates. Keep up the good work!

Regards,
Cheng Hock (Procurement Engineer)

Comfortable and assured financial planning

Hi Everyone Out There,

When I first got to know that Ben had joined AIA, I wanted him to take over my existing policies that my parents had bought for me since he was someone I’ve knew and his brother was a long standing member in the insurance industry in any case that Ben decides to leave the industry, I will still have someone to look after my policies.

As soon as Ben took over my policies, I was impressed with his professionalism and the depth of knowledge that he had over his products. He studied my financial situation carefully and made recommendations that were well within my capabilities with great coverage and there was no hard selling involved. In addition, his proactiveness to check in monthly created the personal touch that he has for his customers which is commendable as well.

I feel comfortable and assured to have Ben as my agent as I do not have to worry about over-purchasing any policies and he is open to discussions whenever I have concerns.

Great job Ben! Keep up the good work!
Definitely recommending this dude if you ever need financial advice!

Regards,
Denise (Program Engineer)

Seamless & Stress-Free Financial Planning

Hi Everyone Out There,

As someone who was unsure about the health insurance process as a young working adult, Ben made the whole process very seamless and easy. He was extremely patient in answering all my doubts and queries. All my discussions with him were very thorough and he is a very thoughtful person who made sure that I'm comfortable with my choices without being pushy!

After engaging with multiple agents to understand the right plan for me, I decided to engage with Ben's services as he met my needs aptly. His approach was very clear and concise, and most importantly he did not try to throw multiple choices that would cloud my opinions.

I absolutely recommend him as he is a great agent and truly stands out amongst many others with his stress-free and calm approach towards discussions and understanding clients' needs!

Regards,
Shruti (Data Specialist)

阳光灿烂的 Financial Planning

Hi Everyone Out There,

阳光灿烂的Ben!

诚恳，耐心及充满阳光的保险代理人,Ben. 从我买保险至今，见过也换过好多位保险代理人，他们都没有完全解决我对于保险内容的问题。

Ben 却能给我满意的答案，也给了我无数宝贵意见。Ben给人的第一个印象是满面笑容，充满阳光，说话的语气也饱含信心与诚恳。我是个爱发问也爱打破砂锅问到底的人，可是，Ben能耐心地聆听我的问题，然后会尝试以图片，文字以及种种不同的方式分析利与弊，直到我理解和满意为止。

借此机会，我诚意推荐Ben 作为您的保险代理人，相信您将得到尽善尽美服务并认同我的推荐。谢谢。

Regards,
Eileen (Pre-School Teacher)

Patient Holistic Financial planning

Hi Everyone Out There,

I’ve been wanting to get an insurance plan for a very long time and contacted AIA for it. I got a very quick response from Benjamin and since I did not know anything about insurance nor savings much, he helped me by explaining it very patiently.

Benjamin is very patient and explains the policies clearly based on your needs. He keeps me updated about everything and so far it has been fun working with him!

Regards,
Rabiya (Pre-School Teacher)

CLEAR & ASSURED FINANCIAL PLANNING

Hi Everyone Out There,

I initially got to know Benjamin through a mutual friend. I found him very nice and approachable through our interactions. Fast forward a few months, I reached out to Ben to share more with me on AIA hospitalisation policy as I was planning to get a hospital plan in Singapore and was looking at the various provider.

After comparison with another agent, I have decided to engage Ben’s service as his sharing was very clear and ensured I know what coverage I am getting. Ben went the extra mile to help explain my Malaysia's policies that I bought without knowing what I gotten then. His clear explanation as well as patience in ensuring I understood the policies provided me with the confidence and assurance I needed.

I definitely recommend you to meet Ben and give him an opportunity to hear him out. It might be more beneficial than you think!

Thanks for the best support Ben, to many more good conversations ahead!

Regards,
Jovin (Sales Engineer)

Genuineness Financial Planning

Hi Everyone Out There,

Previously, I usually just researched and picked one insurance I thought was most reasonable. I don't trust people for financial planning.

Ben's appearance broke this darkness and brought light. He is patient and responsible. We had about three sessions to talk about my insurance plans. I was new in Singapore, and he resolved every concern and question I had and walked me through the plans for me in great detail.

Instead of rushing into any recommendations, he spent time to understand my needs and my current situation. It is easy to make a recommendation based on experience, but it is precious for an agent to research and come up with the most suitable one for the client.

He is friendly and nice. He created a safe and comfortable environment for us to discuss. I liked some small chats with him, and I could sense that he also cared about my mental health by recommending the trails in Singapore as a friend.

If you would like a person who helps you with financial planning, my suggestion? BEN.

Regards,
Shenglin (Research Associate)

Financial Planning with a peace of mind

Hi Everyone Out There,

Benjamin and Liliani are very friendly and knowledgeable in their field of work. They recommended the insurance policy that best suited my needs in my current stage of life.

From Liliani's sharing of Insurance, I better understood the importance of protecting my wealth and well-being from the potential risks that could happen to me.

From the sessions with them, I am assured now to be free to do the things I want, and have a peace of mind without having to worry about any unexpected bad events happening to me and my family financially.

Regards,
Huiting (Manager)

INFORMATIVE CONVERSATIONAL FINANCIAL PLANNING

Hi Everyone Out There,

It’s easy to engage the services of an Insurance Agent, but in my experience, a responsible agent is hard to come by.

Benjamin is a god-sent after my previous agent went MIA. He is meticulous and paid close attention to my financial needs. There is no hard selling and I particularly appreciate the clear way in which he communicates policy details.

Every discussion we’ve had was stress free. Every conversation feels like an informative conversation with an old friend. If you’re looking for financial planning advice, look no further.

Regards,
Michelle (Assistant Professor)

Annual Review

Hi Everyone Out There,

Benjamin is someone I've known since my secondary school days & I can say that he is definitely passionate in helping others with financial planning.

He ensures that we meet up at least once a year to update me on all the relevant policy changes & review my financial priorities. True to what others have feedback about him, he is patient, concise & knowledgeable in his explanation.

Needless to say, I enjoy my annual review with Benjamin as it is always an informative session on my finances while catching up with an old friend.

Regards,
Ebenezer Chan (Doctor-In-Training)

Open & Genuine Family Planning

Hi Everyone Out There,

Ben has been very approachable, proactive and clear in bringing information across.

From addressing my queries on critical illness to expressing my concern on legacy planning, Ben shared openly and genuinely with the emphasis on mine and my family well-being.

Regards,
Chee Hin (Engineer)

Responsive & Helpful Financial Advisor

Hi Everyone Out There,

Ben is very helpful with my queries and responds to them promptly! He is eager to help & clear any confusions that I have.

I also liked that he checks in regularly with me to ensure my financial needs are met or they have been updated; which are good qualities of someone to work with!

Updates: I pro-actively approached Ben to be my financial advisor.

Regards,
Irene (Executive)

No regrets financial planning

Hi Everyone Out There,

Ben is a very helpful and patient financial advisor. To begin with, the entire session is extremely insightful; It was full of reflection of one's own future financial planning.

Ben did a great job in raising awareness and sharing of knowledge in terms of insurance, protection & financial planning for me. While at the same time acknowledging the suitability of different financial strategy for each individual.

Overall, it is a stress-free & valuable session to all. No regrets.

Regards,
You Liang (Software Engineer)

Open & friendly financial planning

Hi Everyone Out There,

Ben is a good friend and former classmate from University. Even back in Uni, he has always been helpful to me and our common group of friends.

Upon recommendation by one of our common friends about his services, I decided to give it a go. On our first meeting, he discussed with me what my priorities were with regards to protection and budget, and in the second meeting he was able to recommend to me some suitable plans that was close to the constraints I had placed upon him.

While I may not be implementing the recommended proposals just yet - for my own reasons; I was impressed by the level of clarity provided whilst explaining the conditions of the plans. Ben is also quite open and friendly to discuss/talk to.

Highly recommend to at least meet him once and hear him out. All the best Ben.

Regards,
Samuel (Test Engineer)

PATIENT & PROFESSIONAL FINANCIAL PLANNING

Hi Everyone Out There,

Ben has been a good friend as well as a financial consultant for us. Back in University, we worked together for school projects and his good personality helped us build strong teamwork.

Since then, I have good trust and friendship with him. When it came to financial advice & personal protection coverage, he has been very patient and professional in addressing our questions as well as advising the most suitable product.

Ben is definitely the go-to person if you need any financial planning!

Regards,
Wan Yi (Engineer) & Mei Yi (Engineer)

Beneficial Financial Planning

Hi Everyone Out There,

When I first graduated from University, I was trying to find out ways to manage my finances better as well as being uncertain about what insurance was about.

Ben was able to provide a clear overview as well as suitable recommendations that met my needs. I felt it is very beneficial for a young professional like myself.

Regards,
Jiang Feng (IT Consultant)

Key insights towards financial planning

Hi Everyone Out There,

I've known Ben for about 6 years and we're good friends. Before advising me on my uptake of policy, he made sure to discuss with me my financial situation and proposed a policy that is suitable based on my current situation and budget.

Also, he made it a point to explain the importance & differences of the plans with me. The details and information he has provided has really been insightful & helpful towards my financial planning.

I'm very satisfied with the sessions I've had with Ben so far.

Regards,
Naomi (Piano Teacher)

Excellent service in financial planning

Hi Everyone Out There,

Having known Ben for many years, I can confidently say that Ben is a very thoughtful and trustworthy person. Knowing my financial background, he makes extra effort to explain the contents of the product which enables me to make sound decision with my investment.

Thanks for providing an excellent service in helping me with my financial planning. Would highly recommend to friends and family.

Regards,
Zhendong (Auditor)

Bright, Cheerful & resourceful Financial Planning

Hi Everyone Out There,

Bright, cheerful and resourceful is some of the traits that makes Ben easy to be around with. Despite joining this industry for a short time, his pro-activeness has motivated him to go the extra mile understanding his client's need, short term and long term objectives.

The continuous effort in asking for feedbacks, following up with clients and always seeking of ways to improve himself enabled him to go straight to the point with clear explanations.

Ben also does his best to make every session enjoyable for you! Give him a shot and he will make your dollar count.

Regards,
Tianfu (Executive)

Patient & Helpful financial advisor

Hi Everyone Out There,

I managed to catch up with Ben recently, who was a friend I made in University. Just like he was then, he was extremely patient and helpful in understanding my current policies and needs.

Based on those, he managed to table up a few recommendations to further enhance the effectiveness of my policies and what are some things I should take note of when signing up for new policies.

I would strongly recommend Ben to anyone who is looking to take up new policies or looking to kickstart on their finance portfolio, mainly because he does not hard sell policies, but rather he seeks to understand what one's needs and wants are before offering his recommendations. Way to go Ben!

Regards,
Deeban (QA Analyst)

Sincere & Cheerful Consultant

Hi Everyone Out There,

Ben is a sincere and cheerful consultant who goes the extra mile to understand your financial needs and goals.

He demonstrated professionalism and patience throughout our course of interaction and ensured that my doubts and questions are always addressed promptly. His thoughtfully crafted presentations were very helpful and provided me with a fresh perspective on financial planning.

Apart from being good at what he does as a financial advisor, Ben is also a friend who's always willing to lend a listening ear. I highly recommend him if you're looking to get started on your financial planning journey.

Regards,
Letitia (Content Writer)

Awesome Advisor on Protection Planning

Hi Everyone Out There,

Ben has been an awesome advisor! For the entire recommendation process, he goes through everything in a clear and systematic way. Running pass every detail to ensure that you are well-informed about your policies.

Ben puts in the effort to understand my situation - from my financial goals to my views on health protection - without imposing his own beliefs and judgement. I'm genuinely satisfied with how the plans recommended truly fits my bill. 10/10 would recommend!

Regards,
Eng Kiat (Consultant)

Wholistic Financial Planning

Hi Everyone Out There,

Benjamin Koh has been an excellent advisor for wholistic evaluation on finance. Going through various aspects to ensure what his clients are missing and also their main goals in life.

He isn’t afraid to provide a different view to help his clients grow in their wealth but also in ensuring their healthcare remuneration are in check as well.

He is bright in nature which in turn, makes it pleasant to approach him when in doubt and learning from his advice - knowing he has done his research as well.

Regards,
Ben Chew (Research Assistant)

COMFORTABLE & CLEAR FINANCIAL PLANNING

Hi Everyone Out There,

Personally, I’ve not had very pleasant experiences with financial advisors; I felt that most of them never really understood my needs nor sought to meet them.

However, after my first sit-down with Ben, he managed to completely change my perspective and, in turn, made me realize why his role is so important. He was very patient and clear with his explanations and put in obvious efforts to make the process very comfortable for me. I am happy to have my policies under Ben and would recommend anyone to seek Ben out. He won’t fail you.

Regards,
Sherro (Director)

Friendly & Resourceful Financial Advisor

Hi Everyone Out There,

Benjamin is a very friendly and resourceful advisor. He explained a lot on why it is important to have financial planning and what I can expect in the near future.

He patiently answered my questions and ensures I can fully understand the needs and rationale behind the concepts. I really enjoyed the session to talk to him.

Regards,
Jing Wen (Student)

Geniuine Financial Planning

Hi Everyone Out There,

Despite having previously worked in the financial industry, as well as its advisory arm, I can confidently say that Ben is one of the best advisors I've ever had the honor of coming across. His aptitude is nothing short of excellent, but the area in which he really shines is his unique genuinity that is (though commonly sought to be replicated) often difficult to find.

Ben has gone out of his way to advise and service me on numerous fronts, from suggesting and providing comprehensive coverage packages to helping research and even referring relevant professionals with regards to other financial matters that may fall outside your traditional advisor's purview. It seems to matter not what exactly you're looking for in an advisor; I'm pretty sure Ben has it all.

Regards,
Abel (Editor)

Safe & Comfortable Environment Financial Planning

Hi Everyone Out There,

With a pleasant personality, Ben creates a safe and comfortable environment to discuss the sometimes sensitive or personal issues that come with insurance and financial planning.

I also appreciate the patience and time Ben gives when explaining policies and clarifying doubts. A responsible person at heart, I trust Ben to take good care of all his clients. Start early and seek him out today!

Regards,
Fei Ting (Manager)

Detailed & Succinct Financial Planning

Hi Everyone Out There,

I’ve known Ben for 10 years, and all this time I’ve always been impressed with his ability to make something complex really easy to understand.

His explanations of the various policies allow me to clearly understand what I have and what I am lacking in my coverage. His analysis is detailed and succinct, and his recommendations are always suited to my current and future financial situation.

I thoroughly enjoy every session with him as not only does he not hard-sell, he carries himself professionally and with a pleasant smile throughout :) I would highly recommend him to everyone. Keep up the great work Ben!

Regards,
Adli (Consultant)

Trusting Financial Planning

Hi Everyone Out There,

Ben and I have been friends for more than 10 years. When he told me he wanted to pursue a career in financial consulting, I knew that I can trust him with my financial future.

He was meticulous and detailed about the policies - which I felt was necessary for my financial stability & understanding. At the same time, he patiently updates the portfolio summary every time to depict a clear picture of the pros & cons of each individual policies. Ben was determined in ensuring that I am familiar with the policies before moving on.

I would highly recommend Ben as your financial advisor should you be looking for one!

To Ben, keep up the good work buddy (son)!

Regards,
Roy Lance (Engineer)

The 'What' & 'Whys' of Financial Planning

Hi Everyone Out There,

Benji came to me with a refreshing perspective on financial planning. I like how he explains the 'What' & 'Whys' (this is important) instead of going straight to set financial goals and sell the products.

I also liked and enjoyed my sessions with Benji because there is no hard-selling, and that made me really comfortable in all the meetings.

To you who is looking for just a listening ear, you should hear Benji out :D And good luck with your financial journey with Benji! ;)

Regards,
Zhaomin (Engineer)

Patient financial planning

Hi Everyone Out There,

Ben approached me on several occasions and went through with me about my current coverage and what could be improved on. After listening, I realized that I might need additional hospital coverage as I do not have any rider in place due to the plan being passed down by my parents.

Upon looking up the recommendation plan proposed, I found that it satisfy my needs better and hence decided to take it up.

Ben has been very patient and gave me time to think it through. Would definitely recommend to my friends!

Regards,
Jin Xing (Executive)

Cheerful & Careful Planning

Hi Everyone Out There,

We have been friends since NS. Ben has always been friendly & cheerful since knowing him. He approached me to meetup and to discuss about financial goals & protection goals as well. The explanations provided were clear and precise. There was careful planning and recommendations provided. You can rest assured that there is no hard-selling so you can put your faith in him.

I would definitely encourage you to have a meet-up with him first to have your first impression about him! :>

Regards,
Guo Ren (Executive)

Methodical Financial Planning

Hi Everyone Out There,

Ben approached me for a review of my existing policies as he was just starting out as a consultant. He was very methodical & enthusiastic with setting my financial goals & preferences with me.

While reviewing my policies & making recommendations, he provided very useful details to help me decide. I am very satisfied with the few sessions of consultations we have had so far.

Regards,
Jun Eng (Engineer)

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.

Benjamin Koh Jia Hao

Premier Financial Services Consultant

Benjamin Koh Jia Hao

Premier Financial Services Consultant

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Newsletter Issue 61: Being Savvy This Festive Season

Newsletter Issue 60: Looking Towards 2022

Newsletter Issue 59: 6 Essential Money Moves To Make In Uncertain Times

Newsletter Issue 58: Misconceptions that hold us back

Newsletter Issue 57: One Thing At A Time

Newsletter Issue 56: Habits & Decisions That Compound

Newsletter Issue 55: Managing Burnout

Newsletter Issue 54: On Leadership

Newsletter Issue 53: Productivity, Personal Effectiveness & Meaning

Newsletter Issue 52: Living A Good Life

Newsletter Issue 51: Dignity and Why It Matters

Newsletter Issue 50: Empowering Women In Our Midst

Newsletter Issue 49: The Gift of Paying It Forward

Newsletter Issue 48: Done is Better Than Perfect

Newsletter Issue 47: Of Languages, Love and Possibilities

Newsletter Issue 46: Guiding Principles and Tips on Taking Charge of Finances in Our Lives

Newsletter Issue 45: On Teaching, Learning & Growth

Newsletter Issue 44: The Ability to Rethink & Reassess Our Minds

Newsletter Issue 43 : Staying Grounded in Things that Serve Us

Newsletter Issue 42 : Moms Never Retire?

Newsletter Issue 41: This is the 8th Wonder of the world - Einstein

Newsletter Issue 40 : Mastering the Skill of Learning New Skills Fast

Newsletter Issue 39 : What is hurting Employees and Employers

Newsletter Issue 38 : Holding Space in Difficult Times

Newsletter Issue 37 : Covid19 - No turning back from a new future and reality

Newsletter Issue 36 : Make these 6 decisions

Newsletter Issue 35 : When the going gets Rough

Newsletter Issue 34 : Trust, Relationships and Emotional Security

Newsletter Issue 33 : These are simply worth sharing with you

Newsletter Issue 31 : The Power of Tiny Gains

Newsletter Issue 30 : How the World forgot to sleep

Newsletter Issue 29 : Don't leave life without it

Newsletter Issue 28 : 8 Ridiculously Good Recipes That Only Take 15 Minutes

Newsletter Issue 27 : Life's most Powerful Lessons

Newsletter Issue 26 : 3 Financial Wisdom from a woman with 3B Net Worth

Newsletter Issue 25 : Come 15th May, Singaporeans have One more thing to be proud of

Newsletter Issue 24: The Interesting secret

Newsletter Issue 23: The way we Think

Newsletter Issue 22: Why Happiness is linked to Deep Talk

Newsletter Issue 21: Half of the jobs in 2020 are not yet known

Newsletter Issue 20: Your Life is About to Change