J— signed up for his first policy with me in 1996.
A pharmacist by profession, he and his wife have raised four children together—children I’ve had the pleasure of watching grow up over the years. From time to time, I assist him with planning and managing his financial goals, including medical and life coverage for his family, education funds for his kids, and even budgeting for their annual holiday trips.
As the family's main breadwinner, J— also has strong income protection and a well-structured retirement plan in place.
One day, J— came to me for financial advice regarding his plan to buy a double-storey semi-detached house. He was worried about whether he had saved enough for his two youngest children to pursue their tertiary education overseas.
After reviewing his financial planning together, I said:
Me: "Go ahead and buy the property you love. You deserve it!"
J—: "I never realized that all these years, you were helping with so many aspects of my financial planning—for me and my family."
Me: "Remember all the times I walked you through the plans and you agreed to proceed? Do you really recall what I explained to you back then?"
J—: "I understood it at the time, but I tend to forget over the years. But the most important thing is—I trust what you've done for me and my family."
It was only 20 years later that J— truly saw the full picture of the financial planning we had done together. His eldest daughter is now a doctor, his second daughter a pharmacist, and his third and fourth children are currently in university—funded by the education plan we put in place 18 years ago.
Now, as he approaches retirement, J— has peace of mind. He and his family are well-covered medically, and he has ample savings in his retirement fund to enjoy the next chapter of life to the fullest. Their journey continues with confidence, stability, and the rewards of years of careful planning.