Leow Kian Siong

Logical Rational Financial Planning

Leow Kian Siong

Logical Rational Financial Planning

Kian Siong is a Certified Financial Planner (CFPCM) accredited with the Financial Planning Association of Singapore (FPAS) and an accredited Associate Estate Planning Practitioner (AEPP®).

Specializing in Client Portfolio Analysis and Review, many clients have come to him for his expertise on helping his clients to save money on their insurance premiums, making their monies more efficient for them.

Prior to joining PIAS, He has been a Senior Personal Banker as well as a Relationship manager with both local and overseas banks in Singapore, with many years of experience serving local as well as international clients

Work
- Apex Wealth Management - PIAS
Credentials

Newsletters

Articles Worth Sharing

Newsletter Issue 93: Happy Travels

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

We live in three distinct timeframes - the Past, the Present, and the Future. Many times, we tend to live and make decisions based on what gives us immediate gratification, and often to our detriment. Despite not knowing what tomorrow will bring, planning ahead removes uncertainty and provides clarity to our lives. In this issue, I have included articles that I hope will inspire you to take actions that your future self will thank you for.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

We have come to a very unique juncture in time, where we are transitioning into the 4th industrial revolution. This is a time where technology as we know it will start to escalate in its rate of change. Our lives and jobs will surely be impacted. But how? It is time to consider this and take stock of where we might stand now and three to five years later.

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

It's been a while since the subject of Retirement was discussed. In this issue's video, it's quite interesting to see how children have different ideas about Retirement. I'm sure all of us have our ideas as well. Yet life can mercilessly erode these dreams. But not if we are really serious about them. So how serious is your retirement dream?

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

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

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

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

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

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

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

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

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

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

Testimonials & Referral Notes

He Had My Interest At Heart

I have known Kian Siong since he was a junior banker in a local bank and indeed he has grown and flourish into a responsible and professional advisor that he is today!

During his advise, he took the time to go through all my objectives and even helped me to prioritise and show me the blind spots that I would not have seen.

He is a wonderful advisor. Thumbs up!

Geen, Customer Service Expert

Understanding my needs before anything else

I would like to express my sincerest appreciation to Kian Siong for his professionalism and his working methods. It suits me perfectly. Before any advise, he will take the extra effort to make sure that he understood your needs fully, before giving his advise. He also makes sure that he sticks to the budget allocated and also tries his best to ensure that the solution given is able to meet or even exceed my expectations.

Kudos to Kian Siong! Wonderful time working with him

Jacky, Engineer

Looking forward to a long lasting working relationship together!

I have known Kian Siong since 2018. He started with helping me with my car insurance and over time, i have found him to be trustworthy, and knowledgeable in his recommendations.

Today, I have looked for him to take care of my Personal Accident Needs. He was the only one that replied to my queries. He was also patient in explaining all the details to me to ensure I am well informed before i make my decision.

Thank you for the good work!

Mr Kwa

My new advisor

I got to know Kian Siong as the new advisor taking over my portfolio after my previous advisor left. During our meeting, he took time and effort to explain what I currently have to ensure I understand and also demonstrated that he is able to help me make my insurance dollars more efficient by saving money on my premiums.

Thank you Kian Siong

Ms Oh

Great to have someone trustable for over 10 years!

I met Kian Siong when he was a personal banker some 10 years ago, and ever since then, he has always been trustworthy and always adding value to my financial planning as well as my family. It is always great to have someone you trust grow with you, and I would gladly recommend Kian Siong to be the guy to accompany your financial planning for the years ahead!

Ms Lee

Family

Going through the different stages of life together. Experiencing the happy times and the not so happy times together. Watching me grow up and in turn, me watching their children grow up to be the filial kids that they are today. I guess this is what family is all about.

Today, I have the honour and the privilege to help my cousin plan for her family, ensuring that when the inevitable happens, there will be proper instructions on who gets what and how its going to be done.

Really grateful to be able to showcase my experience and expertise to my family members and most importantly, using my experience and expertise to apply to their unique family situation gives me invaluable satisfaction to my career.

Edmund & Lena

Made sure we were clear before proceeding

Kian Siong made sure that we knew our committments as well as made sure our portfolios are able to future proof our future endeavours too. He made complex concepts easy to understand and did not find it a hassle to explain it to us when we were slightly confused about the various policies.

Thank you Kian Siong

Robin and Ann

Goes the extra mile

I wish to express my gratitude to Kian Siong for going the extra mile just to meet me to help me with my personal particulars update ever since my previous agent left her job. Really thankful as I am not the best in IT and sometimes find it difficult to do all these stuff. Really thankful for your effort!

If anybody needs help with financial planning, Kian Siong is the one to go to. He is professional, and knowledgeable.

Thank you!

Benedict Low

I entrust my portofolio to him

I met Kian Siong 4 years ago at our company's Lunch & Learn Seminar. Since then, he has always been a trusted professional, that is able to keep to his promises of close follow ups and prompt to answer my enquiries. When I am finally ready to commit to my current portfolio, he is always there to provide clarity and also confidence that what I have gotten is best suited to my needs.

Thank you for your patience and professionalism when handling my portfolio.

Thank you Kian Siong!

Fendy

Importance of having an expert

We met Kian Siong to get our protection portfolio checked out as one of our dearest relative was down with a chronic illness. This made us more aware that we need to get ourselves protected so as not to adversely affect our children in the future.

But what made Kian Siong stand out is the wide range of service he provides, and also the depth of knowledge he has. We even spoke about refinancing our home loan so that we can free up more cash to do the things we love!

Appreciate your efforts Kian Siong!

Ms Juliana

Meet someone interesting

Kian Siong has his way of delivering his message across in a simple to understand, yet capturing all the essential pointers so that I am able to make an informed decision when executing on my protection portfolio.

Thank you Kian Siong!

Ms Nai

Deep impressions

I've first met Kian Siong 3 years ago and it was a very interesting experience for both myself and him as well. We talked about my protection plans at the back of an alley where my vehicle was parked and I even had to rush off halfway to make a delivery before resuming the session with him! However, Kian Siong being the professional and the patient guy that he is, waited for me to come back to complete the session and I really felt at ease when dealing with him.

Fast forward to our catch up today. It's very different. Sitting down in a cafe, having coffee and tea whilst we chatted and reminisce our prior meeting experience was fun, and nostalgic!

For anyone that's looking for a capable and trustworthy financial planner, Kian Siong is the man to look for. Cheers!

Dean

Knowledgeable and Well Rounded Advisor

We were referred to Kian Siong's services through my brother as they have been friends a long time and my brother has trusted him with both his personal and corporate portfolios. Having a single point of contact really brings about convenience whenever we need help when it comes to corporate insurance, or even personal financial advice.

2 thumbs up for his services and his sincerity when it comes to dealings with us. Highly recommended!

Mr and Mrs Teoh

Hi-Tech Financial Planning

Kian Siong uses a hi-tech approach when it comes to our finanical planning. Using his finanical planning system, we are able to visualise what will happen based on various scenarios that might happen such as purchasing a 2nd property or even us falling ill. By comparing solutions across different providers, we are able to maximise our financial planning dollars and ensure that the solutions provided to us are the most suitable, and catered to our budget.

Thank you Kian Siong!

Erwin & Cristal

Trustworthy and Reliable

If you are looking for a professional advisor to plan and execute your finanical plan for you, I will recommend Kian Siong to be the one to do it. He takes time and effort to explain each aspect of the financial plan in detail and ensure that all is understood and clear before implementing it. Thumbs up for the effort. Thanks!

Kelly

I saved 10% on my annual premiums!

Thankful to Kian Siong, who helped me review my existing portfolio after my previous advisor left, and realised that I am able to save 10% on my annual premiums whilst at the same time keeping my coverage intact. Really kudos to him for helping everyday people like us save money on our insurance premiums at such a tough time, especially during a pandemic.

Highly recommended! Thanks Kian Siong!

Arti, AVP

Impressed By His Professionalism

My past experiences with financial planners were not the most ideal. But not Kian Siong. He has impressed me with his Professionalism and respect for me and my time. He also took extra time to answer my queries and ensure that I am clear before implementing any solutions for me. I would definitely recommend his services to anybody who needs it! Thanks Kian Siong!

Ng Yew Nam

Professional yet affable

My previous advisor left and I am introduced to Kian Siong who did my review for me. He conducted himself professionally and was very friendly and patient throughout the session. I am really impressed by his knowledge and also patience when answering all my queries! Thanks Kian Siong

Mr Wong

Patient, Knowledgeable and always Client First

We met Kian Siong back in 2018 for a simple PA plan for my daughter and subsequently signed more policies through him as we were comfortable with his advice and the plans recommended.

He is patient and knowledgeable and always responds immediately when I have questions and is quick to act when claims need to be filed. I also appreciate that he provides timely updates on the status of any outstanding matters and is not pushy when meeting with us.

Thank you for everything!

Desmond & Natalie

Personalised solutions specifically for me

Kian Siong is an advisor that is very well versed at his profession. After finding out my concerns, he tailors a customised solution specifically for me. Really glad that Kian Siong is my advisor of choice! Highly Recommended!

Alice Puah

Professional Services

Kian Siong has been my Financial Consultant since year 2017, and he has helped in charting and advised all my financial health and needs, as well as my entire family needs too. Kian Siong has been providing us financial updates regularly throughout these years and we truly treasured his professional services. We would strongly recommend anyone to seek Kian Siong's financial consultation service and advice.

Seah Meng Seng

Good service and knowledgeable!

We've known Kian Siong for the last few years and he has always been prompt and efficient when handling our claims and enquiries. He is also very approachable and non pushy and we are very comfortable when dealing with him. Good job and keep it up!

Windie and Lynn

Friendly and approachable

Kian Siong is a friendly and approachable person. As a financial consultant, he is knowledgeable and professional. A patient person, Kian Siong will take the extra effort to answer all our queries. He also offers advice and provides insights that are useful, which help us understand our needs better. He is also very effective in his work and we managed to sort out a few crucial policies in a short amount of time. Thank you, Kian Siong! We look forward to building a meaningful relationship and portfolio with him.

Muhammad Zulkiflee & Family

Meet someone interesting

I was referred to Kian Siong by my good friend. He is professional in conducting his dealings with me and does his best to answer my queries. Thanks!

Tanto

Definitely worthy of my recommendation

I have known Kian Siong for quite some time now, and he have always been very approachable and honest in his daily life, thus this greatly shows in the work he have done for me.

He is very efficient in his work and takes it very seriously, he will take the extra time and effort to notify me on all the updates of the plans and and constantly keep himself updated on the best plans available and to match this best combination for me.

He will take the time to understand my requirements and capabilities and plan for me what is best for best.

I have complete trust in him and will totally recommend anyone that needs insurance with no second doubt in his way and you should too.

Thank you for always being so prompt to answer all the silly questions I may have that I would have never dared to ask someone else.

Stephanie

Logical, Rational Financial planning

We met through our common friend, who is too shy to be on camera. My experience with Kian Siong is that he is a very patient and professional person. And always uses logical and rational financial planning strategies to ensure I am well covered and suitably invested.

Kudos to your effort! Thanks!

Elvin

Splendid effort!

I know Kian Siong through my very good friend which I have known for years. My experience with Kian Siong is that he is a very detailed person and always made sure that I fully understand what my commitments were before recommending any solutions to me.

Thank you for your effort and hard work making sure that I am adequately covered and all ready for life's challenges in the foreseeable future!

Michelle Tay

Rest Assured with KS

I have known Kian Siong back during our time in a Local Bank and one thing I know for sure is that he always, ALWAYS put his client's best interest before his. This is why I have also entrusted my planning to him so that I can concentrate on my own career knowing that I am rest assured when it comes to him. Great work!

Jun Wei

Highly Recommended Advisor

I met Kian Siong at our company's Lunch & Learn Seminar where it was a complimentary seminar held as a form of welfare for our staffs.

From the get go, he is nothing but professional, and clear and concise when he is making his recommendations to me. A very worthy recommendation indeed! Thanks KS for taking care of my portfolio!

P J

I can never thank you enough

I am very lucky and blessed to be able to meet Kian Siong during one of the Sunday evenings in 2018. This was when we took some hospitalisation protection and long term care protection plans from him. It wasn't much, but Kian Siong assured us that it was one of the most essential protection that we should have.

Fast forward to 31st December 2018, I fainted whilst on a family outing and it was then I was diagnosed with Cancer. Dark days fell upon the family as we are all worried about both my health, as well as the costs involved.

This was when Kian Siong mentioned that he will be able to help me claim from our insurance plans that was bought from him.

Till date, more than $50,000 has been claimed and my family and I would like to express our appreciation and gratitude to him for all the hard work he has put in to ensure timely claims. Coming over to my place almost every other month as I needed much rest is never an easy task.

Thank you so much to all that you have done Kian Siong.

Mdm Fazilah

Cashback helped me out during Covid!

Being young and living for the moment, saving money wasn't my priorities at all, in fact, to spend more, I just need to earn more, right?

Wrong.

I know Kian Siong through my sister and it was during one of the meetings where he suggested and strongly recommended that I take up a savings plan to start my savings journey as well as to instil discipline in my money saving habits. We started small. But it was tough.

Fast forward 2 years later, and the pandemic struck, income hasn't been at the best. That's when I received news from the insurer that I was eligible to encash a portion of my savings which was made available for me to withdraw, and this withdrawal has made it possible for me to tide through one of the toughest times that being a young man like myself, has ever encountered!

I would really want to express my appreciation to Kian Siong and his professional service to make these all possible! Thank you!

Marcus

Efficient and Knowledgeable!

Kian Siong is the most efficient and knowledgable financial planner I have ever came across and dealt with . His efficiency and accountability is top notch . His best traits are that you will feel comfortable asking questions and relying on him for your claims and insurance plans . He honestly has your best interest in heart !

I Will definitely recommend him to anyone who is looking for a closely oriented relationship and friendly financial service consultant

Aacus Ee, Sportsman

Two Thumbs Up!

We know Kian Siong from my Sister-in-law, and the experience with him as our advisor has been exceptional thus far. We can always count on him for his professional opinion and advise whenever we have any queries that requires his input. Very nice and accommodating and never a hard sell. Thumbs up for him!

Muhaimin & Sharifah Zahirah

Very Good Financial Planner

With me be a risk taker, Kian Siong is always able to provide sound and timeless advice towards my financial planning journey. He has constantly been actively engaging me and been able to notice blind spots with my portfolios. I find him highly relatable to my current sandwiched generation and able to recommend financial products and methods for me to attain my financial goals.

Winshern Ho

Meet someone interesting

Kian Siong puts in effort in his technical analysis and comparison of the plans available ensuring that we are getting the best suited solution for our needs. His professional advise is down to earth and logical, and he makes sure that we fully understood the solution before implementing it. Thanks for the great service!

James & Gee Kit

Changed My Perspective

I was clueless about my existing investments and how my policies work. Kian Siong took the extra time and effort to go through each of the policies that I have and realigned my objectives so that I have a clearer picture of what was ahead for me. Turns out starting to plan for retirement is as simple as speaking with him!

Mark Mah, Team Lead

Exceeds My Expectations!

My previous agent left and there was nobody to attend to my policies, until I met Kian Siong. It is clearly visible his effort that he puts in for each and every of his client.

He even went the extra mile to meet up with me just so I can be clear about my entitlement from my insurance plans!

I am most looking forward to our annual reviews and catch up with you! Thanks Kian Siong!

Hanita, Educator

Meet someone interesting

Kian Siong is a very patient and conscientious advisor that made sure we understood the recommendations fully before we make our decisions.

He made sure that all aspects of our application are well taken care of and the entire application process of the recommendations was smooth like butter under his care.

Thumbs up and keep up the good work! Will definitely recommend you to my friends and family!

Jones and Nicole

One of the best advisor that I have met!

I would like to express my sincere thanks to Mr Leow Kian Siong for assisting and advising me on the different policy. He make it comfortable for me to open up my budget and recommend me the appropriate insurance to consider.

WIthout being persistent, i could make my own decision and he did not show any unhappiness when I did not take up those that he recommended.

With previous agents, I had to do my follow ups. However, with Mr Kian Siong, he gave me a prompt updates .

Mr Kian Siong, takes his time to explain the benefits of the insurance line by line and did not rush through it. He ensures that I have a good understanding for what I am paying for.

I have recomend Mr Kian Siong to my sibling and in laws and I will not hesitate to recommend my friends too to him!

Siti Nursuhaila

Wonderful Work!

Kian Siong made a good first impression when he started out by not talking about his work, but making sure that I had dinner before business talk began. Injecting humour and wit while explaining the plans that he had drawn out for me, Kian Siong was precise and clearly experienced with his work. Throughout our entire session I had never felt that it was heavy or boring. He is a very patient man answering to all my doubts and questions. He made very sure I understood what I was signing up for. At the end of the meeting, not only was I educated on the importance of the plans, I also knew that he was a reliable person that I can turn to for answer my questions whenever. Thanks Kian Siong

Goh Wee Kiat, Graphics Designer

Leow Kian Siong

Logical Rational Financial Planning

Leow Kian Siong

Logical Rational Financial Planning

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