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. | How to Be Happy in a Recession Recession begets misery, which makes for more economic bad times. You naturally make the pattern worse by following your loss-aversion instincts. Although you probably can’t break the global economy out of this feedback loop, you can break yourself out of it. Start with the following three practices. | Here are 8 ways to bulletproof your finances ahead of a likely recession in 2023 5 personal finance experts here give tips on how to protect your finances. Their recommendations include building up an emergency fund, trimming your regular spending and up-skilling | How to Stay Optimistic During Hard Times | Proudly Brought to You I seek to reach out to people who believe in safeguarding the interests of their loved ones. Let me know if I can be of help to someone you know or care about. We can make a difference to lives when it matters most. Cheers. | Jerry Toh | | | | unsubscribe | You are receiving this email because you're my client, a friend or you've given permission to receive this email. If you'd rather not receive our emails, you can unsubscribe from our mailing list by clicking 'Unsubscribe' above. © Jerry Toh, All rights reserved. | | | Ms Marlene Tan (MOE Educator) Planning for your family and future is important, and I couldn’t be more grateful to have worked with Jerry as my financial advisor. Finding someone I felt truly comfortable with was a challenge, but knowing Jerry from our time as colleagues, I knew he wasn’t the typical hard-sales type. And I was right—Jerry is everything you’d hope for in a financial advisor: sincere, patient, efficient, and genuinely invested in your best interests.
What sets Jerry apart is his willingness to listen. He takes the time to understand your needs, current profile, and existing policies before offering advice. There’s never any pressure—just thoughtful guidance based on what’s best for you, not what benefits him. His approach is long-term; he doesn’t just focus on immediate solutions but carefully plans for your future as well.
Beyond his sincerity, Jerry is also incredibly efficient. He ensures that everything is handled smoothly and promptly, making the entire process seamless and hassle-free. He puts in the hard work to find the best options, explains them clearly, and follows through with every detail—so you never feel lost or overwhelmed.
Through both his words and actions, it’s clear that Jerry works with integrity. He puts in the effort to ensure you make informed decisions, always considering what truly benefits you. If you’re looking for a financial advisor who prioritizes your well-being, offers sound advice, and gets things done efficiently, Jerry is the one to trust. | | | Hon Van (Accountant, Penta-Chem Services) We first knew Jerry and his team from 2018, they are not only our insurance advisor but also became our friends.
When we have any questions or need any help from them, they will respond to us very quickly, answering all our queries. At the first meetup, my husband and I trust him because of his expertise, his patience and his friendly nature. When any friend ask me about any insurance agent, I am very confident to introduce them to Jerry and his team.
Thank you Jerry and your team for everything. :) | | | Pearl Lim (AIA MDRT qualifer) I became a mother in 2012 and i made many new mummy friends through Facebook. At that time i was looking for an insurance agent to get some plans for my newborn.
That was when I was introduced to Jerry in 2013 by one of the mummies, Irene.
I got some plans for my son, followed by myself and my other family members as we feel that Jerry is a very knowledgeable and responsible person.
Even though he is very busy with work, he would definitely meet in person to process claims or give financial advice.
At that time, I was a relationship manager handing corporate accounts in a bank. He asked if I was interested to become a financial planner and join him in his mission to save more lives and help people in financial planning. I rejected him straight away as I have insecurities about financial stability as a self employed.
It was after the birth of my second child that I started having problems striking a balance between family and work. Subsequently, I left my job at the bank and joined his team in early 2017.
Since then, I never looked back... even though my first 2 years were tough. I am enjoying my job now!
Jerry continues to handle some of my insurance plans, hence, he is now my planner, my friend, my mentor and also my boss. He gives me a lot of freedom in the way I run my business and he will review my performance regularly and update me on my progress for various campaigns and awards and motivate me to achieve more.
Because of his constant support in this career, I am thankful that I was able to achieve MDRT this year despite the pandemic situation. | | | Nady Yang (SUSS undergraduate) It was a fruitful session with Jerry! It was eyeopening as it was my first time meeting a financial advisor and I didn’t know what to expect. But he patiently shared and educated me all the plans and the possible financial paths and decisions I can make now for the future.
Jerry also made the policies' jargons easy to absorb and I think I now have a clearer view of the steps I should take to reach my goals.
Overall, I look forward to learning more from him. Jerry, you again for taking out your time for this session 😆 | | | Hong Yang (Year 6 AIA FSC) Ever since I joined Jerry back then in Oct 2017, he has always been a role model that I looked up to in all aspect. Other than being a leader and a father of 3 girls, he is in the Product Committee & ALMA. On top of all these, he is also a producer in AIA. Despite having to handle so many things, he never once turned down his mentees and FSCs that approached him for help. Instead of spoon-feeding his consultants with direct answer, he would guide the consultants by giving them “homework” to do then learn from it. With all the stuffs that he is currently taking on, I am really in awe with his time management, self discipline and mental strength. To me, Jerry defines “Extraordinary”.
“The difference between Ordinary & Extraordinary is that little extra.” | | | Francis Tan CEO & Co-Founder Garden Picks Food Manufacturing LLP Jerry have been my go to Financial Advisor for both my business and personal insurance related matters for the last 9 years. Throughout this time, his knowledge and wisdom have helped me and my company build a secure safety net so I can focus on my business and family life with a peace of mind. His team efficiency and service is commendable and I would recommend him to anyone without hesitation.
Keep up the good work!
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