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Clashes of Interests Between You and Your Financial Adviser

In my opinion, there are a few major clashes of interests between the you, the client, and your financial adviser who is making a living out of his job. 

It is only by identifying and reducing these clashes of interests can there be a mutually beneficial relationship between an adviser and a client.

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Dear 16-Year-Old Me (Melanoma Awareness Video)

Melanoma is a malignant tumor of melanocytes (cells that produce melanin which is responsible for the colour of skin). It is less common than other skin cancers but is much more dangerous and causes majority of deaths related to skin cancer.

From the video: “I want you to be aware… That melanoma is a young person’s disease.”

Can I Survive?

My client asked me a question which have always been on my mind since I considered leaving the rather lucrative career I had selling insurance as a tied agent – “Can you survive?”

Efforts to provide my clients the best at my own expense can often go unrecognised, so I am glad that he asked if I could earn a comfortable living after showing him how he can maximise cost-effectiveness in his financial portfolio. I appreciate the concern.

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Being Well Insured Means Little if Your Family Isn’t

It’s rare to meet a well-insured Singaporean (given that statistics have shown that the average citizen is severely under-insured), and by extension even more difficult to find a family that is well insured.

For the few well-insured ones: Being well insured alone does not insure against potential financial ruin if financially dependent family members are not insured properly.

In a typical family, all it takes is one uninsured (or under-insured) person and a single unfortunate incident to put the entire family’s finances underwater. Yet, it is common for a family’s decision-makers to overlook or decidedly ignore insurance coverage for the entire family, if they even decide on getting insurance at all.

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