Joycelyn Phang

Prudential Executive Financial Consultant

Joycelyn Phang

Prudential Executive Financial Consultant

“商以信为本，人以诚为先”

My enthusiasm and passion for wealth management has led me to join this industry, which allows me to help people enhance their financial portfolio and achieve their financial goals by sheltering individuals and families against financial losses, while maximizing their insurance investment growth potential.

I firmly believe that Financial Planning has to be a holistic, long-term, and continual process, where reviews are imperative in ensuring the relevance and effectiveness of the portfolio that one helps.

I began a special community of my own - #JOYforlife🌈 and I strive to give in my all for this family. The meaning behind #JOYforlife🌈 is that I aim to provide the best solution to client’s financial planning needs, and bring them a peace of mind which lead to joy for life. Besides, me, Joycelyn wants to serve my clients forever, for life! I would like to be a trustworthy and inspiring source for everyone like you!

https://www.prudential.com.sg/FC-info

Company approval code: 332/14May22

Work
- Joycelyn Phang Representing Prudential Assurance Company Singapore (Pte) Ltd Reg. No. 199002477Z
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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

Professional, friendly and approachable

I am happy to share my insurance journey with Joycelyn. From the beginning, she has shown a high level of responsiveness and dedication. Anytime I had a question or concern, she was quick to respond, providing clear and detailed answers, no matter the time of day.

In addition to her professionalism, Joycelyn is genuinely friendly and approachable. She makes me feel valued and confident in my decisions. It’s evident that she cares about helping her clients find the best possible solutions.

I am satisfied with the level of service Joycelyn provides, and I highly recommend her to anyone looking for an insurance agent who is dedicated, flexible, and a pleasure to work with.

Pey Jiann, Auditor & Kang Ying, Teacher

Friendly and responsible 💜

Glad to know Joycelyn from my colleagues. Well preparation everytime we met, in summarizes my current financial plan and insurance plan for my future. Joycelyn is very professional and make sure every details of the plan and policies is clear and understood. Not like traditional cognition, but giving appropriate revisions in choosing suitable health insurance.
Will definitely recommend her to my friends who is tend to purchase any health insurance to keep their life secured!

Eileen Ong, Admin

Meet someone friendly and professional

Joycelyn is a very professional and friendly Individual that presents her thoughts on insurance well. She's not hesitant to answer any doubts and is willing to explain any misunderstood concepts.

Andrew, Engineer

Professional & knowledgeable, glad to have her!

I was referred to Joycelyn by a friend as I had the intention to review my insurance policies and the premiums I was paying. Joycelyn was attentive to understanding my concerns; and suggested appropriate revisions to my policies. The summary overview she compiled has helped me to have a better knowledge of my insurance coverage. I am glad to have her help me reassess my policies and needs for a more holistic approach to my coverage.

Geraldine, HR personnel

💯的理财顾问就是要介绍给大家

我认识Joycelyn 有好几年了，一直以来她无条件地为我们一家大小服务，我本人就是欣赏她一流的服务精神，办事很有责任感，每当遇到困难时找Joycelyn 就对了她都会一一为你们解答，所以就介绍了她给我身边的亲戚朋友，也希望她能够为她们解决困难及展现出她一流的服务态度，好料就是要介绍给大家。

Set Fun, Operator

人很friendly & 很专业！

一开始看到 Jocyelyn 的 social media 写着可以存新币，就立刻信息了 Joycelyn 要了解情况

面对面谈论东西的时候很清楚仔细。会提前通知坏的结果，不通过的结果会是如何之类的问题，都会说明白让对方了解清楚。

人很friendly！在我们的谈话中感觉像是自己好久不见的朋友那样相处&聊天！同时也很专业的讲解，让我理解知道我需要的资料。

很开心认识你！🥰 多了一位好友了！😊 等我进 SG，你有时间就一起再吃个饭吧！😉
等你回来 JB 在约！😊

Kelly, Admin

PROFESSIONAL,TRUSTWORTHY & KNOWLEDGEABLE FINANCIAL CONSULTANT

Recommended by my good friend, finally I have found the right one after so many years and decided to choose her for my financial consultant.💯

Joycelyn is a great person with great character. I would say the whole process she is so professional and explained all the things in detailed. I feel more confident in my financial planning after meeting her.👍

Shirley, Sales executive

Joycelyn是很专业的Financial consultant

最近通过朋友介绍认识Joycelyn，也刚好近期想了解一下关于投资的plan，所以就约了面谈。Joycelyn针对我的需求给予我这方面相关的建议，也解释的很全面。她具备专业的保险知识以及良好的业务能力，是个很不错的Financial consultant。

Angel, Customer Service Executive

真心推荐 Prudential Singapore 的 Joycelyn Phang 🤍

前几年就有找过Joycelyn了解过储蓄保单,当时却没有意识到储蓄的重要性。近期就看到朋友再次分享就约了Joycelyn再面谈了解多一次。

她会依照我的讲述分享适合的保险方案给我，很仔细的去分析与解释所有的问题。整个过程是很舒心的聊天，不会因为要强推而把保单说到有多好这样。买保险要选对人！选错人，买再好的保险却不明白自己买的是什么就等于浪费钱了哦。

真心推荐 Prudential Singapore 的 Joycelyn Phang 🤍

Christine, Customer service executive

I feel more confident in my financial planning after meeting her!

I was referred by my mother and aunt to Joycelyn for financial planning. Joycelyn is a very nice lady and dedicated financial professional who understands the needs of her clients very well. She has comprehensive knowledge in financial planning and gives excellent support and comprehensive advice to me. I feel more confident in my financial planning after meeting her. I will definitely recommend her to anyone who is interested in financial planning!

Zhan Meng, Retail Associate

很负责任很专业

一年前刚生了孩子在做月子时由我老姐介绍Joycelyn给我认识，一方面其实是我姐姐强烈非常推荐sg这储蓄保单，再加上我是想为女儿给她未来做个保障，那时就通过zoom meeting和Joycelyn签下合约，直到最近再看到保单完全忘记当时的内容而联系Joycelyn，她立刻安排及配合我工作休息时间来找我和我面谈解释给我听，对于我疑惑的问题Joycelyn都解释得非常详细…Joycelyn笑容甜美！她非常专业！👍🏻👍🏻👍🏻

Ai Xin, Sales assistant

专业 & 有耐心的理财顾问

我是通过我同事认识Joycelyn 的，她的专业知识和耐心讲解给我很好的印象，不管你什么时候有需要联系，她都可以第一时间回复，这让我很安心。不像我之前其他保险经纪，交了钱就联系不到人了，或者拖拖拉拉没有一个满意的回复。还有让我很钦佩的是每到我过生日和大假日Joycelyn 都会寄问候的贺卡👍🏼让人感到很温馨，很有安全感❣️有Joycelyn 这样的保险经纪是我的荣幸也很放心，如果有需要买保险的朋友我会迫不及待的推荐Joycelyn 😊. 谢谢我同事让我认识Joycelyn !

Jess, Hairstylist

Joycelyn is an outstanding insurance agent whom is very sincere, an attentive listener with extensive product knowledge.

Joycelyn is an outstanding insurance agent whom is very sincere, an attentive listener with extensive product knowledge. Conversations with Joycelyn feels like catching up with an old friend. Her charismatic approach adds warmth to the whole experience even though i only met her for the first time!

Joycelyn goes above and beyond to understand and value your needs, introducing insurance options that are not only comprehensive but also perfectly suited to your individual requirements. Working with her has been a pleasure, and I highly recommend her expertise and personable approach 😊

Eleen, Optician

5 stars trusted financial consultant

Trusted Agent 5 star 100% recomended..

As Malaysian who work in Singapore i believe is really important to get the insurance policy to protect my saving that come from hard work and long hours job.

I’m so lucky to meet Joycelyn as my agent.She so polite and soft spoken. She 100% explain to me about my insurance policy and answer all of my question. I will definitely recommend Joycelyn to anyone who looking for trusted insurance agent.😄

Fahmi, shop assistant

Meet someone friendly, professional & helpful

Joycelyn is friendly, professional and helpful insurance agent. She answered all of my questions and helped me to review my previous insurance in Malaysia as I'm new to Singapore. She did let me know more about my financial plans and things I should do to secure my money. I learned a lot from her and our conversation is just like talking to a friend which makes me feel comfortable. Thank you Joycelyn and it's a pleasure to know you.

Xue Rou, Veterinarian

Trustworthy and reliable consultant

How time flies it's already been a year since I got my insurance from Joycelyn. What I like about her is that when I have any inquiries regarding my insurance she immediately answers them. She also updates me if there are any upcoming events. If you are the type of person who wants updates and info regarding your insurance she is definitely that person you can rely on. Thank you again Joycelyn and more power to you.

Hazel, Nurse

有问必答，理赔效率快，为人老实

两年前在机缘巧合下认识的Joycelyn，那时候的她会为我们分析几种适合我们的保险方案也会从我们的经济条件而为出发点，因为我们夫妻俩不属于会马上当下做决定的那种，她也会让我们回去了慢慢考虑，不会让我们觉得很push / 很hard sell。而且后来我太太期间有受伤需要claim保险， Joycelyn的效率也非常高，不会那种不回信 / 爱理不理那种，这是我对她的第一印象。

两年后由于我们结婚了，所以想了解更多关于别的保险方案再次和她约了个时间出来她一如既往地很耐心为我们讲解一切。当下虽然我们有在考虑但后来还是直接签单了，因为在她身上我看得出她对这份工作的热爱和真诚，而且有问必答 & 说话老实且自信。最重要当然还是在她处理我太太claim保单时候的效率。

其实除了她我也还认识其他的prudential Agent，但我最终还是选择Joycelyn，因为我们信任她的为人和专业👍

Jia Ming, Hairstylist & Mei Yin, Manicurist

Professional & knowledgeable financial consultant

I got to know Joycelyn from one of my uni friends. She is very professional and knowledgable in financial planning. Besides, she is helpful into explaining the details of policy. I will definitely recommend her to my friends of any of my friends interested. 5 stars🌟

Terry Soo, Engineer

谢谢Joycelyn让我们对保险恢复信心

很高兴 Joycelyn 让我们重新认识保险，因为之前有过不好经历，让我们对保险失去信心，Joycelyn 的耐心解说，我们听了很明白。Joycelyn 的热情，让我们感到很舒心。Joycelyn 的表态，让我们拥有双赢的立场。👍🏻👍🏻

Choon Hern, Chef & Mei Yen, F&B manager

Sincerely grateful for the outstanding service by Joycelyn

We wanted to express our sincere gratitude for the outstanding service and support she had provided throughout our interactions.

Her patience, extensive knowledge, and willingness to go above and beyond in explaining the intricacies of insurance policies have been immensely valuable to us. Her guidance has not only been helpful but also instrumental in helping us make informed decisions about our insurance needs.

We truly appreciate Joycelyn dedication to ensuring we understand the various options available, and her willingness to address all our concerns with clarity and professionalism is commendable.

Thank you Joycelyn once again for her exceptional assistance. ❤️

Wei Yi, Quality control executive & Siew Yi, Lab technician

Meet someone friendly and knowledgeable

Nice to meet with Joycelyn!
She is very friendly and knowledgeable. She cearly explain to me about the insurance policies and how to plan my financial. It is really helpful for me in understanding more about the insurance and my financial planning. She also give me the suggestion and help me to adjust my insurance and financial planning to make sure these planning are suitable and comfortable for me.
Thank you so much!

Jazz, Assistant Microbiologist

细心，亲切，交谈过程好像朋友聊天一样

Joycelyn很细心的去帮忙规划，会根据情况去分析适合的保险。过程中不会有强硬推荐，反而还很仔细的解释所有的提问。除此之外，也可以很清楚的知道自己购买的保险是如何进行的，还帮忙处理了其他保险的问题。Joycelyn人非常的随和以及亲切交谈过程好像和朋友聊天一样😊

Eunji, Hairstylist

Love her top-notch customer service

Thank you for your wonderful services. We really had an amazing experience with Joycelyn! She is truly helpful, patient, and sincere to her customer especially to the first time buyer like us.

Her customer service was top-notch, not only addressing to our concerns, but also giving us extra miles with her excellent after sales services. We would definitely recommend to anyone who is in need of her fantastic services!

Junnic, Engineer & Cheryl, Architect

Happy to meet Joycelyn for financial planning

I'm grateful for meeting Joycelyn through my sister's recommendation. It's wonderful that she's helping me plan suitable insurance and providing recommendations to save and protect my health, especially for coverage not included in my Malaysia insurance plan. She also creates easy-to-understand spreadsheets to help me with my plan. 真的很开心可以认识一位新朋友👍🥰

Shin Hwee, Marketing Executive

Being thoughtful & helpful is what makes us feel stress free & easy going

Recommended by a friend of mine, I get to know Joycelyn. She has helped me and boyfriend to really understand in detail about insurance and the importance of income management through savings. It was indeed an eye opener for us as we knew too little about these things for our own good.

She also takes her time explain to us very well, making sure we understood everything we need to know. It felt nice that she was also able to give us a flexible time to meet due to our work schedule and willing meet us where it is more convenient for us. Being thoughtful and helpful is what makes us feel stress free and easy going. Would highly recommend Joycelyn to our friends and family.

Hui Shi & Troy, Chef

I feel more secured and confident in investing for my future with her!

I would like to express my gratitude to Joycelyn for being a very competent, professional and dedicated person to her clients. She is very well versed in various insurance plans and is able to cater to her clients accordingly. She is very experienced and knows what is the best for different clients, especially for foreigners who are working in Singapore.

I appreciate her for being instrumental towards my financial and insurance needs, as she carefully explains the details thoroughly. I have gained better insights in financial and future planning, thanks to her. She does not rush people into decision and responses promptly to text messages especially when I have doubts. I feel more secured and confident in investing for my future with her. It is a pleasure to have met her!

Sharmaine, Nurse

满分10分我会给100分！💯

我通过我姐姐介绍认识Joycelyn的,第一次见面感觉特别亲切很容易相处。
Joycelyn 的服务态度特别好每次问东西都是秒回而且都解释得很清楚。真的很庆幸可以认识那么棒的Joycelyn和担任我的保险代理人。身边有朋友需要买保险我肯定推荐Joycelyn!
满分10分我会打100分！

Yihern, Chef

很好谈很nice

你第一次印象给我很好谈，很nice 的一个人，其实在新加坡，我很抗拒别人介绍保险。但是这次在无意中通过朋友介绍您给我，让我详细了解我自己要购买的保险有什么保障。还有帮我分析让我知道，以我的经济能力可以买到怎样的保险。不会强制推荐。

Connie, Accountant

回复快，解释清晰，态度好，不强硬，很推荐。

“第一印象是真的不错”，精神，声音不会太小，然后整个解说流程也算蛮清晰，能够听明白清楚，成为新加坡永久居民后也刚好需要买一份保单，在朋友的介绍下选择了她。她的跟进服务和回复问题也是挺快的，这是我在以往经验里面觉得挺难得的，非常推荐她。最重要的是交谈的过程舒服，会根据我们所需要的和我们现在的情况作出分析，推出符合我们情况的方案。整体来说就是回复快，解释清晰，态度好，不强硬，很推荐。

Kah Heng, Engineer

Happy to meet this intellectual financial advisor

Appreciate for having to meet beautiful Joycelyn as an intellectual financial advisor. She did give me very goof explanation to my future plan as well as the important of having medical insurance.

Joycelyn with great personality and having good patient being very honest and treats to her clients.

Thank you for your time and makes everything clear-cut and details to me!

Charice, Music Teacher

Friendly, Cheerful & Professional

We know Joycelyn through our cousin. I am happy that I met her and have her as my agent. I like the way that how she communicate with her client and treats us as her friends. She is very friendly, cheerful and professional financial consultant! She is patient and makes everything clear and detailed with our insurance and financial planning. Thank you Joycelyn! Will definitely recommend her to my friends! ❤️

Wendy, Art Teacher & Chii Siang, Chef

pleasant, informative and intellectual advisor

I am very thankful for having to meet Joycelyn, aside from being very beautiful, a very pleasant, informative and intellectual advisor. She helped me understand better the concept of preparing for the uncertain future.

She had explained well in details everything I needed to know and gave me various options. She also went out of her way to give us a hassle free first time experience as foreigners here in Singapore.

God bless you and may you be a blessing to more people!
She is highly recommended by my friends and me.

Yuri, June & Jie Ann, Nurse

耐心专业的理财顾问

Joycelyn是一位很耐心和专业去的理财顾问，她会分析我自身的经济能力及条件建议最适合我的保险计划。
她很细心去解答我所有的保险疑问，整个过程很舒服也不会让你觉得不好意思去提问！

有想要了解保险知识这方面的朋友不妨可以寻找Joyce了解更多。我相信她能很专业的为你提供这方面的协助。

Jam Ng, Civil engineer

absolutely LOVE the awesome customer service!

Finally! I found a financial consultant who is prompt, knowledgeable, efficient, and very friendly. 😊

Joycelyn is a great person with great character. She is very trustworthy and provides excellent service. Joycelyn has made the process of dealing with insurance easy and painless. This is a process I normally dread but she made it easy. Thank you for all of your help! I absolutely LOVE the awesome customer service you always give me! I appreciate you being my agent!

Thanks for everything, Joycelyn! ✨

Chaliz, Nurse

Meet someone who is a lifesaver

Today I met someone who is a lifesaver. Indeed for life by give a great investment in medical insurance.

I am a foreigner who literally have no idea about what is insurances and anything about a safer platform to save my money as a backup when i need it for my future.

Joycelyn is a senior consultant who helped me in identifying the proper and safe platform to save my money for my future medical expenses, she patiently listened to me and explained to me in detail about the the benefits and the purpose of about the insurance and why i need it the most prior she was so polite and humble.

Thank you soo much Joycelyn ✨

Browlin, Nurse

交谈轻松自然不会hard sell

Joycelyn的讲解仔细让我在短时间内了解保险/储蓄的价值她会根据个人情况分析并建议适合自己的保障交谈轻松自然重点是不会hard sell！

Elaine, Admin

Meet someone friendly and dedicated

A good and very friendly financial consultant who gives me clear explanation about insurance and savings, she was very detailed and she knows her job well. She is willing to hear my concerns and clarifications and I’m really thankful for that.

I’m very glad to meet such dedicated woman like you, Miss Joycelyn.

Mitzi, Nurse

细心阳光的理财顾问

通过表妹的介绍，让我认识到一位很细心很阳光的小姐姐 Joycelyn，她会介绍并分析我真正需要的产品，让我更好选择最适合自己的保障，重点一点不硬销！

Ally, Blogger

热情阳光和蔼不hard sell

很开心在新加坡想要买保险时，遇到的是一个健谈又不会hard sell的agent。Joycelyn给人的感觉就是一位热情，阳光，和蔼的人。

因为我本身对保险、保单这些不是很了解，只知道一定要买一个来给自己一个保障。所以当遇到她就一直问问题，她也很有耐心跟我解释和解答我的所有奇奇怪怪的问题，例如我断了手、又被发现得了癌症，会得到怎样的赔偿呀，又或者车祸发生后能不能同时拿到意外险和住院险等等问题。除此之外，她也有帮我做财务规划，以保证我老了之后会有一定的养老金养老。

最后谢谢Joycelyn的时间和专业态度，让我对保险有一定的了解和我的生活有了一定的保障。

Chung Hiang, Engineer

Grateful to have Joycelyn as my financial consultant

It is really grateful that Joycelyn is my financial consultant. 😊 She did a well briefing on insurance and also help to analyse on my existing policy which I don't even know what I had insured. She also helped me with some financial planning by evaluating my financial status.

She is super friendly and professional, if any of my friends interested to buy insurance, I will definitely recommend her👍

Hui Xin, Accountant

以人为本，不hard sell

很开心透过朋友介绍保险找到了你Joycelyn，你很细心还有耐心的分析保险给我，也以人为本，不会hard sell，谢谢你 💕

Rebecca, Accountant

通过Instagram联络Joycelyn了解理财

刚来新加坡想要认识关于新加坡的储蓄保险又怕找到不负责任的agent，之后在Instagram看到关于Joycelyn 关于理财的方面就直接约出来了介绍给我关于保险的内容

重点是了解自己保单的过就好像朋友之间聊天这样，也不会hard sales，聊完了当天也非常快的整理保单的内容让我更加了解我自己购买的保险有什么保障

谢谢Joycelyn的耐心讲解让我得到一份很好的保障 ❤️❤️

Zhi Qian, Dealer

Very good consultant for introverts / busy working adults

Joycelyn is a very good consultant for introverts or busy working adults, as sessions with her are in a casual way with professionally skilled explanation. She is well prepared, able to give honest and detail answers whenever I have doubts.

I like the way she presents and answer doubts with mindmap and points, which makes the product clearer and promotes effective communication.

Thank you Joycelyn!

Chin Wei, Engineer

Friendly and professional

Joycelyn is a super friendly and professional financial consultant. As a fresh graduate without experience in financial planning, she helped me to analyse my current situation. She gave me advice and explained the available options I have. She also prepared a plan that best suits my needs.

Highly recommend it for people who are looking for a financial agent! =)

Yu Lun, Engineer

很高兴能与一个漂亮又有责任心的她成为朋友

我刚来新加坡时，也接触过一个某个保险agent，但他真的很不负责任，签单后就玩消失，事实上基本都忘了这个人的名字，而我最怕的事是，在你需要agent帮你的时候，却找不到人。

会认识Joycelyn是因为我朋友阿康介绍，与Joycelyn见面后更加了解medisave对我的保障。她是很有耐心，也能很清晰分析保单问题的人，也很细心，很负责任，所以我儿子的保险是和Joycelyn购买，而我自己也做了一个小小的储蓄。

很高兴认识Joycelyn，她会主动加我FB，走进我朋友圈，对我来说保险也是生活的一部分。Joycelyn出国时都会发信息通知我，很高兴能与一个漂亮又有责任心的她成为朋友。

Nancs, Sales Executive

Joycelyn是个温柔细心的agent

来了新加坡一年后，通过我男朋友的介绍认识了Joycelyn。一开始买保险对我来说是个只想但没采取行动的事。但Joycelyn是个温柔细心的女生，整体接触下来遇到不明白的她都会耐心解答。通过她的分析我更知道保险的重要性还有自己理财方面缺少什么。感谢她给予的帮助还有了解我的需求，身边有兴趣的朋友我会推荐Joycelyn 。

Shi Bei, Music teacher

Passionate, Sincere & Knowledgeable

“What is covered under this plan I gotten myself N months (or years) ago?”
“Does my insurance covers overseas medical expenses?”
“In what terms are Malaysia’s insurance policy different from Singapore’s insurance policy”

If you’ve ever wondered any of the questions listed above, you should meet Joycelyn. Joycelyn is knowledgeable in financial planning. Detailed, clear cut and straight to the point explanations or illustrations are what she provides other than financial plans that are tailored to your needs or financial goals after analysing what (previous) plans that you have gotten / your portfolio.

Despite her burning passion (that you can really feel), she is not pushy, and she give sincere recommendations on growing your portfolio. So meeting sessions are stress free guaranteed.

Jermaine, Software Analyst

Joycelyn did a really great job on my financial planning

I have known Joycelyn since secondary school in Malaysia. After coming to Singapore to work, I choose Joycelyn to be my financial consultant as I know she has been working as financial consultant for many years.

She did a really great job on the financial planing. She evaluated my financial status and manages it accordingly to ensure that I’ll be living in a worry-free life.

I would definitely recommend her to my friends if I have any friends who keen to know more about holistic financial planning.

Wei Sheng, Engineer

Meet someone friendly and helpful

Glad to have Joycelyn as financial planner. She is very friendly and helpful on every single question and requests asked. She also making sure that her message and explanation in a very details way with lots of what-if scenario. No hesitation to ask her about all doubts I have.

Lastly, thanks Joycelyn for being my financial agent. Surely will recommend her to my friends. Thanks Joycelyn!!!

Ching Feng, Engineer

非常感谢朋友把 Joycelyn 介绍给我

非常感谢朋友把 Joycelyn 介绍给我关于保险的内容她真的讲解到太仔细了❤️

重点是了解自己保单的过程也不会很闷，就好像朋友之间聊天这样，聊完了当天也非常快的整理保单的内容让我更加了解我自己购买的保险有什么保障

尽管是事后有什么不明白的问题信息询问她她都非常有耐心的讲解给我解决我的问题或者给我一些方案。谢谢Joycelyn的耐心讲解让我得到一份很好的保障 ❤️❤️

Wei Wei, Bubble tea barista

Friendly and professional

Joycelyn is a friendly and professional financial consultant. She has well prepared with hardcopy documentations and softskill knowledge on what I don't know and what I need to know as a newbie in financial planning and a foreigner in Singapore.

Very friendly and at the same time professional. She helped me analyzed my existing policies in Malaysia and gave me options that best suits my financial target. Recommend for people who is looking for a nice financial agent.

Tiffany, Engineer

Meet someone helpful and friendly

Nice talk to Joycelyn. She is very kind and friendly. Always ensure that I am clear with what she was explaining to me. Although I had a lot of questions, she was willing to answer them without any hesitation.

Thanks Joycelyn for being my financial agent. Highly recommended to other who is looking for a helpful financial agent.

Wennie Sia, Consultant Engineer

5 Stars Services

Pleasure to have Joycelyn as my agent by receiving an outstanding services, prompt reply and excellent explanation with my needs from head to toe. Introducing friends to her with no regret and even received great feedback 👍

All the best to her 💪

Vincent Tin, Sales Executive

Friendly, professional & not pushy

Joycelyn has been really professional and friendly as a financial consultant! Even though I had no experience in financial planning, she was able to explain the available options in a way that was easy to comprehend.

She also helped me understand my existing policies better and prepared a plan that best suits my current needs and goals without being pushy. Definitely recommend her as your financial consultant! :)

Le Ying, Data Analyst

熱心的姊姊

因為朋友的介紹所以認識的joycelyn，很熱心的姊姊，因為沒有自己去了解過保險所以很多東西都不是很清楚，在joycelyn的細心解說下了解到了很多以前不明白的東西，如果滿分是十分的話那必須給十分，有機會我也會把她介紹給更多的朋友🫡💪

Jun Jie, Chef

Eye-opening financial planning experience

Joycelyn was recommended to me by a friend. She is enjoyable to talk to and very understanding. It was a very eye-opening experience for me to understand more about insurance and financial planning as she is a very knowledgeable and professional financial consultant. I highly recommend her, especially to those who are new or interested to know more about financial planning, insurance, etc...

Peter, Engineer

Joycelyn is experienced and passionate about her job

If you are looking for a financial/insurance agent who is experienced and passionate about their job? I would recommend Joycelyn to you.

She is helpful and sincere during the discussion. Even though I had been asking numerous questions, she will always respond to me patiently.

Eventually, I chose her to be my agent, do not panic if you do not understand how insurance work because Joycelyn is always there for you. 🙂 ( I do not know why she like this icon so much but ya I did it on purpose :):):) )

Jason Chai, Application Engineer

Joycelyn is friendly and professional

Joycelyn is a very friendly and professional financial consultant. She got a great personality. She has a lovely serene face and looks charming. She will explain everything financial knowledge to clear our doubts. I will recommend Joycelyn to all my colleague and friends!

Shun Wei, Field Engineer

We always have a stress free discussion

Joycelyn was recommend by my close friend. She is a friendly person, we always have a stress free discussion.

She is professional, she will introduce a policy which aligned to your needs. She is able to explain the terms and benefits of the insurance policy well.

Wei Zi, Auditor

有耐心和友善的理财顾问

Joycelyn是一位很有耐心和很友善的高级理财顾问在遇见 Joycelyn 之前的我原本不清楚自己买的是什么保险只是每个月给保费但是 Joycelyn 很有耐心的一一向我解释我的保险保什么 & 帮我做了review分析我的财务管理👍🏻我会把她推荐给身边有需要了解理财规划的朋友们💯

Jia Wei, Field Engineer

Professional & knowledgeable

Joycelyn is very professional and ensures all arrangements, plans and policies are tailored to suit your individual needs and requirements. Knowledgeable in many aspects, she is friendly and patient in answering your concerns and enquiries. She listens and deep dives into your situation, before offering various solutions and recommendations for you based on your preferences!

Kaho, Graphic designer

5 stars for Joy!

Joy is extremely friendly, patience and super detail about my current policies. She insures several properties of mine and the service is great.

Joy review my current policies and advised me on what needs to be improvised in order to protect myself as well as my wealth in the future. I am very happy that individuals like her go above and beyond to help their clients, and really feel that her hard work should not go unrecognised!

I was very confused about my previous policies until Joy explain to me in detail after measuring all the risks and any potential event that could happen.

I'm so glad to have Joy as a professional financial consultant. And she loves to eat vegetables.

A 5 stars for Joy !

Jing Xiang, Customer Svs Supervisor

Joycelyn is friendly and professional

A great thanks to Joycelyn who spending lots of time to fight for best suited plan for me. She is very friendly and professional throughout the conversation. Explaining every single details which have made me more clear about the insurance plans in Singapore. Besides, she takes considerate customer's demand and concerns very well. I have gained lots of knowledge and idea after getting know her.

Highly recommended to everyone ! Don't hesitate & do let her know your situations and concerns. She will definitely help you out :)

Chin Kai, Design Engineer

Joycelyn is knowledgeable & approachable

Joycelyn was recommended by my ex-colleague, who said that she is very trustable with insurance-related matters!

I met her once I got my Singapore PR, she shared to me all the technical knowledge of CPF compulsory insurances and how does CPF works which I benefited a lot from her sharing especially I am a new PR and no idea about all these.

She is very friendly and knowledgeable. She did a policy review for my Malaysia insurance and I found she knows Malaysia insurance very well too, not only Singapore. She patiently explained to me everything even though I forgot on the next day, she still reply me promptly.

Thank you Joycelyn!

Jescleen, Accountant

很高兴可以认识 Joycelyn🌈

通过朋友介绍认识到了Joycelyn，我很高兴也很谢谢可以认识到她. Joycelyn非常有耐心的帮我更深入了解保险的内容,并且有什么问题不明白都会解释到非常清楚.

相信保险的重要性大家都知道,要了解更多有关理财和保险的可以找Joycelyn❤️

Joanne, IT Engineer

Meet someone friendly and engaging

I knew Joycelyn from Instagram. She is really friendly and engaging. She explained to me about the different types of insurance in detail. She also answered all my queries and was really helpful. She also gave recommendations that was suitable for me.

Will definitely recommend her!!

Yun Xin, Accountant cum HR

Definitely would recommend her to our friends!

Joycelyn was initially recommended by our friend, and we were not planning to get any insurance plans during that time.

However, Joycelyn was very friendly and professional at the same time during our first meet-up! We were overwhelmed and decided to have her as our agent!

She explained everything thoroughly throughout the meetings to clear our doubts~ Definitely would recommend her to our friends! Thank you so much!

Marcus & Valerie, Engineer

3 “SUPER” from Joycelyn

Joycelyn is SUPER friendly, SUPER energetic and SUPER professional ! She is willing to explain, share her experience and respond to all your doubts. I dont know much about the financial plan before but I am clear now throughout the meeting.

Thank you Joycelyn for your advice and helping me to find out the financial plan that best suit my needs.

Highly recommend to everyone !!! 💪😃

Chin Hou, Engineer

I WOULD RECOMMEND HER TO ANYONE WITHOUT HESITATION

Joycelyn has been an absolute pleasure to work with. She was really attentive in first understanding my financial situation before providing the best strategy / plan for me in my present stage of life.

She was also very thorough in explaining the benefits of each plan in layman's terms and making sure that her recommendations were something that I genuinely wanted. I would recommend her to anyone without hesitation!

Zhao Wei, Operator

有丰富经验知识 & 有耐心的理财顾问

通过朋友介绍认识到Joycelyn，是个专业和耐心的顾问。Joycelyn会分享保险的知识和细心的解答我的所有疑问，让我了解所有保额和保障项目。她会先帮我做一个分析了解我的债务，能力，需求，再给我建议，推荐我最适合的保险。很棒很健谈的顾问，谢谢你Joycelyn!👍🏻

Chea Yee, Shipping coordinator

Joycelyn的态度真的和别的agent不一样👍🏻

Joycelyn 是我男朋友的agent 当我男朋友知道我想了解保险过后就把我介绍给joycelyn

我本身有去外面了解保险但是joycelyn的态度真的和别的agent 不一样她很健谈也很愿意和我们分享东西～

她对保险也很熟悉有任何问题她都能马上回复并给予准确性的答案。她会根据我们的条件搭配一个适合我们的配套 joycelyn 很细心和耐心对待每一个顾客👍🏻

Li Yen, Manager

买保险，要选对人👍🏻

在茫茫人海中，自己在面子书寻找到了Joycelyn.

我选择Joycelyn做我的理财顾问，因为她足够经验，有问必答，不hard sell，尽全力帮助. 她能给我多项保险配套，再仔细解释和建议适合我的配套. 最重要，她的售后服务更佳，会向你follow up，还有惊喜送到家呢！

买保险，要选对人；选错人，买再好再贵的保险的却不明白自己买了什么就是等于浪费钱！真心推荐Joycelyn给各位！人美心地美😋

Rosemary, Nurse

积极又耐心的保险小姐姐

通过亲戚的介绍认识joycelyn，给我感觉是个很积极又不失耐心的人，虽说是工作需要但除了重点她也会了解我们日常生活和工作从而和我们分析关于保险最好的选择，这对一些不太了解保险的人是个很好的学习体验👍

Chee Kiong, Chef

像个朋友一样仔细聆听的理财顾问

通过朋友的介绍认识到Joycelyn, 她真的是个很有耐心而且很热心的Agent. 她会仔细聆听我们的需求还有很详细的解释每个部分，让我们更加深入的了解保险知识以及理财计划.

她也像个朋友，很愿意聆听和分享，很健谈☺️ 而且她也很有责任感，在短期内帮忙拟定个理财计划还有保险配套给我，让我觉得很放心👍

Yu Wei, Shipping Coordinator

Meet someone professional & dedicated

Joycelyn has been very professional in sharing her financial knowledge to someone who is not familiar with financial planning.

I like that there is a lot of active discussions between us, rather than one-sided conversations, to come up with the best solution to my financial needs.

Her dedication to the job can be seen when I had some last-minute changes in mind with the insurance policy, which lead us discussing late at night.

For anyone who is seeking for financial advice, I would recommend Joycelyn as your financial consultant.

Jared, Data Scientist

很有责任心又不hard sell的理财顾问

自己本身是一个不懂理财的人也想找个有这方面知识的人可以帮助我一年多前在一次和顾客闲聊的过程中她向我提起了Joycelyn 我也在联系了Joycelyn不久后约了她面谈

她很细心的给我讲解了每一个细节了解我的需要后为我准备了很周详的储蓄保单到目前为止我们见了3次她知道我是个超级健忘的人也不怕麻烦的在每一次见面都会向我讲解一次我所购买的保单内容很开心遇到那么有责任心又不hard sell 的agent 👍🏻

Amerline, Sales assistant

Friendly, approachable & not pushy

I was introduced to Joycelyn by a close friend of mine. Joycelyn’s dedication and devotion to value-add to her clients is one of the many determining factors why I trust her with my financial plans.

Although she is quite young, she has a deep understanding on finances and have sufficient experience to help any kind of clients. I would definitely refer her to anyone who wishes to get some financial advice.

Chee Hong, Technician

Flexible to arrange physical / virtual meeting according to our preference, with no hard-selling at all

Joycelyn has been very professional in providing us financial insights and insurance plans. She is always able to attend to our queries and come out with the best customized plan that suits our needs.

Her illustration and explanation of products are so comprehensive to a point that we feel the future of us and our families are in safe hands.

Flexible to arrange physical or virtual meeting according to our preference, with no hard-selling at all. A highly recommended financial consultant to everyone out there!

Chun Kit, Engineer & Sin Yen, Engineer

Patient and professional

Joycelyn who is someone we know from my sister. She is a good advisor for our financial planning. She is always well prepared and well informed of the insurance products. She was patient with us on explaining and exploring various packages to meet our needs. Thank you!

If you are looking for a reliable financial partner, Joycelyn will be the right choice!

Evelyn, Technician & Angie, Lab Analyst

Dedicated and knowledgeable financial consultant

Joycelyn is very dedicated and knowledgeable financial consultant. She will understand your priority and come out with the plan that best aligned with your financial needs, nevertheless she will respect your final decision.

She was able to explain in a clear and precise manner so that I can have a better understanding about insurance. Definitely recommended her as your financial consultant.

Sek Kai, Field service engineer

A passionate and kind hearted financial consultant

Joycelyn...as beautiful and joyful person as her name, knowing her just by Instagram, compare to other agents she is the one who reply me very efficient. When I text her back than I’m still at malaysia but she still reply me and very polite person. Once I’m in SG I look for her again she is the best in response very fast, efficient and the best part joycelyn is not hard selling...as most of my friend share that experience that normally insurance agent is hard selling but I don’t see in her..

She went through with me my financial planning as well as suggested me suitable package that fits my needs very simple explanation without using a lot of jargons or insurance terms that make me easy to make decision. I don’t see she doing this just for her job / incentive / reach monthly target but can feel she doing this by her heart and passion... Knowing that I’m not Singaporean / PR yet and have no much knowledge in insurance she never use that as a ticket to abused my trust on her.

Thanks joyce… I pray that god will grant you a healthy life❤

Yamina, Restaurant manager

办事效率快 & 超级负责任

在朋友的介绍下认识了Joycelyn，刚好想给自己买个保险，我们就约了出来谈细节和介绍，分析了不同保险计划的利与弊还有差别！整个过程听起来很容易明白简易，也搞清楚了哪个配套适合自己的！

过程不到一个月的时间，所有的资料都效率的搞好了！Joycelyn还会时刻跟进我的计划过程，超级负责任的还很让我很放心哦！有机会的话也会想要把Joycelyn 介绍给也想买保险的朋友们鸭:))

Charlene, Student

Friendly and Professional Financial consultant

A big thank you for all your effort and dedication to my PRU policy application. I really appreciate the friendliness, professionalism and patience which have made me feel very comfortable from the beginning til the end.

Thanks again to you for all of your advice during every meeting. Fighting!!!

Zih Long, Sales Engineer

GOOD LISTENING EAR, UNDERSTANDS MY FINANCIAL NEEDS

I knew Joycelyn through my uni friend who also applied for a plan with her as well. She managed to explain well the details of the plan I chose, giving me the confidence and trust for her to plan well for me.

Joycelyn has very good listening ear, she was able to understand my needs and being on the same page with me for my plan, understanding what I want and also giving suggestions in my financial planning journey. Also since we are able to communicate well about any other things other than just the plan which makes it more interesting for each meeting.

If you get a chance to meet Joycelyn, you will get to meet a very friendly and detailed financial consultant that will accommodate to your requirements and handle your plan well as a very stress-free working partnership. 👍🏻

Min Kyee, Logistics Executive

She is a responsible financial consultant

We know Joycelyn through our mutual friend. She is very patient and professional.

Her explanations were very clear and answered all our enquiries with her knowledge and experience.

Highly recommend her as your financial consultant!👍🏻

Jackson, Software Engineer & Mei Kee, Accountant

Thank you, Joycelyn!

Joycelyn is a very committed and earnest financial consultant that is driven to provide the most appropriate insurance plans to suit our needs.

She provides detailed but clear explanations to our queries and questions when we have them.

Thank you, Joycelyn!

Ivan, IT Analyst & Ivy, Graphic designer

She does a fantastic job for my financial portfolio

I knew Joycelyn through my friends. She is a very patient and helpful insurance agent.

She's been great about getting to understand my financial portfolio and she always responded in detail to all my questions and concerns. She does a fantastic job finding me the best flexible deals that specifically suit my needs and budget.

In short, Joycelyn is really responsive, attentive to our needs and professional! Highly recommended!

Zen Yung, Engineer

She is definitely a person who cares for the customers

Joycelyn is the most helpful insurance agent I have ever dealt with. She is honest, patient and up front with everything.

Definitely a person who cares for the customer and helps you to keep your money in a safer way.

Highly recommend her as your insurance agent ☺️

Yan Yi, Paralegal

Responsible financial consultant

I know Joycelyn through my uni friend. She is able to guide me like a friend, the explanations were clear and she’s always able to show me a clear direction on the financial planning roadmap.

If you work with Joycelyn, you can expect to have a responsible financial consultant. Highly recommend 10/10.

Calsen Lee, Project Engineer

She always goes the extra mile for her clients

Joycelyn was recommended by my childhood friend. She has assisted me with financial planning to ensure that I can achieve my desired financial goals within a given time.

Really enjoyed working with Joycelyn as she’s always very responsible, approachable and always goes the extra mile for her clients.

She always assists me with my claims whenever needed. I will surely recommend Joycelyn to anyone who needs financial planning as she is trustworthy and able to give you a proper assistance, especially in times of need.

Jocelyn Lor, Accountant

Joycelyn’s service is top notch👍🏻💯

I have known Joycelyn through my friend. I chose Joycelyn as my financial consultant because she is a trustworthy person and that trust is built over time.

One of the things I've seen in Joycelyn is that she always puts her clients' interests first, making sure they're well covered, and she's such a generous person!

Joycelyn's service is top notch. If you are to meet Joycelyn, you can expect a holistic and detailed planning and a friend that will look after your needs.

Shi Sheng, Supplier

Highly recommend her for any insurance and financial solutions💯

Joycelyn’s been awesome in finding me affordable plan that meet all my insurance needs.

Always a pleasure to deal with her as her service and knowledge are top-notch regarding the policies, coverage and rates and she’s also responsive to any of my inquiries.

Will highly recommend her for any insurance and financial solutions!

Chun Yong, Engineer

谢谢Joycelyn的耐心让我更了解保险

一直都有听到朋友说我的保险很贵，自己也是金鱼脑、买了什么保险保些什么也不记得…直到我通过副业的领导认识了Joycelyn…她了解了我的状况过后推荐我适合的保单…

另外有不明白的东西她都会很细心的解释让我听…不喜欢长篇大论的我她也简单清晰的list出我买的保险是什么…有朋友想要了解保险，一定会推荐给Joycelyn…

Katherine Heah, sales assistant

Friendly & helpful FC

I know Joycelyn through friends. Joycelyn is a friendly FC. At first, I don’t have any knowledge about Insurance. Joycelyn explained to me patiently. After she understand my objectives and needs, she advise me the plan that can fulfil all my expectations about insurance.

Overall, Joycelyn is a very helpful Financial Consultant. Looking forward to entrust her with more potential policies in the future.

Jun Wei, Purchaser

A Patience, Friendly and Pretty Financial Planner

机缘巧合下认识了巧萱。她是一位非常有耐心和细心的理财顾问。通过和她见面，让我了解现有保单的优缺点，并根据对我个人的需求，指定了一份更合适以及有保障的保险。谢谢你一直耐心重复的解释每个保险选项，确保我更明白保险方案，让我在整个了解过程很舒服，不会觉得强行推销😊

Yee Seng, Software Engineer

Joycelyn的服务有100分我都要打101分👍🏻

很高兴遇回Joycelyn❤️ 她是我的小学同学，10多年没见。一转眼我们都长大了。

我一家三口在新加坡一直想要找个信任的保险agent去handle我们一家三口的保险，可是一直找不到合适的。

直到有一天我想起了joycelyn也是做保险的，便去询问她有关于保险的details。她也很细心跟我安排时间，让我跟我先生可以一起听她介绍。经过她的细心解释，我跟我先生当下马上就买了我们一家三口的保险。她也很仔细帮我check了我malaysia的保险，让我知道清楚差别。

关于她的细心与耐心，是我很赞赏的。
再来她的工作效率真的很快，是我最喜欢的效率💯 我喜欢所有东西都很仔细很清楚。所以保单一批准后，joycelyn也很快速整理出一份仔细就清楚的文件给我。这个服务有100分我都要打101分👍🏻

Steve, Director & Miko, Wellness consultant

Joycelyn是我遇见过最好的FC！

Joycelyn不单单只是一位尽责的 financial consultant 还是个很好的朋友。大家别误会！我不是因为她是我的朋友才夸赞她！我们是因为保险才变成朋友的！

她和一些 insurance agent 不一样，她并不会为了业绩而卖保险。她真的会用心地花精力去为我们定制适合我们的plan，然后再来和我们讨论等等。

顺带一提，她是我遇见最好的agent ，有责任心，有耐心好说话，最最最重要的是不会让人有压迫感！我真心地建议大家，不管你有没有想过要购买保险或者已经有保险了，其实你们都可以和她见上一面，听听她给的建议就当做增加知识了解保险！当然如果你也和我一样觉得她的建议是值得的，你们也要支持她哦！

最后这件事很重要所以我再说一遍，Joycelyn 真的很Nice！！！

Kendra, Project Executive

Feel comfortable during our discussion

Just to share n let u know that Joycelyn is someone who is very patient and thorough in her explanation. l feel comfortable in asking her all the questions repeatedly. l’m glad to have her as my insurance agent.

Pat, Director

让从不相信保险的我变成更加保险了

之前的缘分现在才因为保险更加熟了 ❤️ 喜欢她的服务态度也很耐心之前因为遇到卖保险的员工态度不好让我差一点不再相信保险了🤣但是在一个机缘巧合下和 Joycelyn约了出来再次明白保险让我更加相信保险了也很放心的交给她处理❤️ 有什么不明白的都会一直再帮我解释让我更加清楚 🥰 谢谢你的服务让我觉得很舒服❤️

Franny, Health consultant

Hope you guys start a good financial planning with Joycelyn

Joycelyn是一位值得信赖的保险顾问。她的细心与耐心地对我现有的保单进行总结分析，并且与我像朋友的情切地讨论与了解我对于未来的规划。她有效的给予我现有保单总结的优点与缺点。从而让我更深入的了解我现有保单的内容详情与保障细节。如果想要了解更多理财，保险规划等资讯，我个人极力推荐Joycelyn为每个有兴趣了财务和保险规划的你们与她交流讨论，并为你们角度和目标整理与制定一份以你的保障方案。
Everyone cannot change and improve your past, but you can improve your future. For me, the secret of success is planning to purpose. So, having a good protection, is good for your family and a person with you in the future. Hope you guys starting a good financial plan early as possible as you can.

Ya Xing, Auditor

感恩有 Joycelyn

机缘巧合的安排之下让我们认识了Joycelyn Phang, 她是个很有耐心和亲切感，当我们有疑问和难处问题她都会解释的很清楚，不会敷衍了事，要解决的事情都会帮我们处理好，保险都做的很细心和主动的完成我们的事情，很感谢你所有的帮助和解释。希望接下来的日子你能为我们一家大小的服务。谢谢你，感恩有你。

Lai family

Friendly, non-judgemental and good listener🙏🏻

As a foreigner who work in this land , we must protect ourself as much as we can , because we are here to earn for a living and "save" a tonnes for the sake of our family. Thats why a protection for us is very much needed

When it comes to this , ofcourse you need a right person in a right field to give advice , dont anyhow ask random people or you might become like me , hahahah ..

I knew Joycelyn from my colleague , and the first met thru zoom meeting was aweful for her because need to wait for me 1hour plus but she keep calm and wait ! I'm sorry about that yaa .🙏🏻

Long story to short, she corrected all my misunderstanding and answer all the questions with evidence and her knowledge , dont be shy and afraid to ask , she's very friendly and wont judge you .

Throughout the meeting , i just knew quite many of my friends already become her client so no worries about her credibilities !

Overall , it was a pleasant sharing , and again just ask as many question as you want until you satisfy , she wont dissapoint you ! 😉😉

Effendi, Operator

谢谢Joycelyn让我的财务规划更为完善！

我是通过朋友的介绍认识Joycelyn的，很高兴可以认识这位很棒的理财顾问。她非常仔细地分析了我的我现有的保单情况，也给我制定了一份保单总结。她与我分析了我现在的财务规划存在着哪些风险，并且根据我的要求及能力推荐了最适合我的保单。同时，也推荐我有哪些银行的储蓄户口能得到更多的利息。
谢谢Joycelyn耐心和细心的分析及分享，让我的财务规划更为完善。我也会将她推荐给对财务规划有需求的朋友们！！！

Qian Ling, Accountant

因为她的耐心解惑，让我能够正确的如何去规划我的理财道路。

我一直都想了解新加坡的保险，但不知该找谁了解。
直到通过我姐姐认识了巧萱。她很有耐心的让我了解了保险的重要性并会根据我的自身需求和能力来为我量身定制保单。
因为她的耐心解惑，让我能够正确的如何去规划我的理财道路。
非常高兴能够认识巧萱😆😆

Irish, Production line leader

She is the most helpful Insurance Agent I have ever dealt with

Joycelyn is the most helpful insurance agent I have ever dealt with. She is honest ,patient and up front with everything. She actively look for the best rates and coverage annually and are always looking out for the customer. If she can’t offer you a better deal than the company you are with she will tell you. She is also patient & answering all my questions.Definitely a person who cares for the customer. I’ve make a right choice.
Keep it up Joycelyn.
Wish you 蒸蒸日上，步步高升。

Teck Guan, Security & York Lun, Operator

Joycelyn是个优秀的理财顾问

Joycelyn 是个很优秀的理财顾问，她非常的有热心帮忙处理保险的每个问题，也很有耐心的解释每个疑问，不管什么时间找她，都能找到她，非常的有效率和责任感。人也很亲切!!!

谢谢Joycelyn细心和耐心的解释让我们知道理财的重要性，从我们什么都不会到她慢慢的解释让我们清楚明白。如果我身边有人想了解Financial Planning 的我一定会大力推荐 *Joycelyn* 美女！💕

Veron & Jennifer, Beautician

She is not only just provide "good" services, but also provide "memorable" services.

I was referred to Joycelyn by her mother. When we first met, she answered all my questions and explained my misunderstanding of insurance.

An excellent financial consultant can always meet the needs of customers. She doesn't always talk, but she listens to your "story". One thing I like is she doesn’t hard sales and anyhow sell my a product, she did a holistic financial planning and get a plan that suits me.

She is a great financial consultant and I will recommend it to everyone. She is not only just provide "good" services, but also provide "memorable" services. Thanks, Joycelyn

Jason, Technician

Meet someone that is very different from the past few consultants that we had

We needed to find a consultant as our previous consultant left the firm. We knew Jocelyn from a mutual friend and I’ve noticed that she is very passionate in what she does and she puts in a lot of effort for her clients, so we decided to contact her to pass our policies to her.

When we met Jocelyn, she has very nicely prepared our policies summary as well as provided us comments on how else we can further improve our policies. She is very attentive to our needs and provided us with very detailed explanation.

She is someone that is very different from the past few consultants that we had and we are really glad to have our policies in her hands. :)

Alusyos, Engineer & Jonelle, Graphic designer

Friendly, optimism and confident.

I first met Joycelyn through a gathering with my buddies, before she become financial consultant. We kept in touch until I getting stable with my current job and Joycelyn joined finance industry after her graduation.

When I considering getting myself an insurance plan, I approached to Joycelyn because I found her trustable from the initial point.

I told her my objective, expectation on the insurance package. Long story short, I can feel Joycelyn's passionate, honesty and integrity while doing introduction of her package to me and we chose one which is believed to be the most suitable to my situation.

Insurance is a long-term plan, it's all about company's reliability, overall professional and financial consultant's attitude. I think I've found it.

Guang Zhi, accountant

She is a friendly and cheerful FC☺️

Jocelyn is a friendly and cheerful financial consultant and is able to explain my insurance policy clearly and concisely.

She always look forward to meeting her clients with her cheerful smile. If I have any question(s) to ask about my policy ,she is willing and able to answer all of my question as soon as possible.

She would also go the extra mile to make the policy understandable by creating documents for me to have idea about the policy.

I am happy to entrust her with my policy and I look forward in the entrusting her with potential policies in the future💯

Cha Min, Student

Just meet up with her and you will understand what I mean ;)

I met Joycelyn thru my friend and I always heard from my friend that her as someone that is extremely transparent and straightforward. I have been curious about savings plans and had close to no knowledge regarding this topic. So I made an appointment with her, and throughout the meeting there was zero judgement on my lack of knowledge / low budget and I felt very at ease I wasn't pressured at any one time and I love the fact that she was concise in her explanations and made sure I didn't rush into my decisions.

Vennie, Sales executive

Why I choose Joycelyn

First of all, I want to say thank you Joycelyn with her helping hand. I knew nothing about my finances and insurance before I meet up with Joycelyn. She helped me realize the importance of getting insurance and explained them in an easy- to - understand way for me.

Through our conversation, she also helped me think about my milestone and what I want to achieve in my personal like and career. I had more planning and make a more conscious investment in my future and health with her help.

I believe Joycelyn is a very helpful, understanding, honest and sincerely enthusiastic about understand all aspects of my life and giving me the best plan. I helping others. She did her best really appreciate what she did for me and being my financial consultant! I recommend my family members and friends for her also because of her good attitude.

One important thing I had to speak out here. She really helped me and give me advise when I received my PR IPA end of last month. She can give me a best idea plan immediately once she knows my current situation. I felt touching with her and I also share out the plan information for my friend who PR IPA approved same time with me. We still decided to purchase Integrated Shield Plan from Joycelyn after we getting our Medishieldlife letter.

It's been a privilege to able to do life planning with this independent & passionate lady.

Carmen, Human Resource Personnel

Definitely recommend Joycelyn as your consultant!

I’ve known Joycelyn since we were in university. I decided to choose her as my consultant because she only recommends policies based on our needs. She was very motivated when making suggestions, which was my gratitude and made her feel relieved.

I would definitely recommend Joycelyn as your consultant, whether it is for your financial needs or to give you peace of mind.

Sam, Banker

Explanation was concise and clear

Joycelyn's explanation was concise and clear, but it also clearly stated my choice, so I can make an informed decision. When I expressed concern about the budget, she waited patiently and gave me plenty of time to consider the plan before implementing it. Reliable, fast and helpful. 10/10 would be recommended.

Wei Jie, Chef

Meet someone genuine and sincere

Joycelyn 她会根据你自身的要求和需求来为你量身定做你的配套。Joycelyn会把保单的细节解释到一清二楚让顾客知道；当你遇到什么事情或者不明白的，他也会第一时间给予你解释。她是个把细节做到极致的人，非常幸运的能认识到这么优秀的一位的朋友。

Joycelyn is someone who is very genuine and sincere when it comes to arranging a simple appointment just to see what she can do for her clients without even making them feel like she wants hard sell something. She recommends plans which is the most suitable with your budget and directions for the future which she takes considerable amount of time to map out.

Alison Zhi Wen, Sales executive

专业&分析清晰

感谢我的同事把巧萱介绍给我，因为这是我第一次遇过那么好的理财顾问。巧萱帮我分析了我之前买过的保单，就算不是和她同间公司的她也会帮我打理！服务也一级棒！👍🏻 也很喜欢她做给我的中文版保单总结，让我在一张纸上就能看到和明白我所有的保单重点！这点非常喜欢！😊

Jess张杰, Hairstylist

细心又专业

Hi 朋友们,

我是通过我哥哥才认识巧萱的，她是我哥哥的理财顾问。她是一位很有耐心的理财顾问，会仔细去规划每一个理财过程，也很有耐心的回答了我的问题。大家如果想要了解保险，储蓄保险或者投资都可以找她，她会依据你的财务状况和能力去定制理财规划给你，非常推荐这位理财顾问👍🏻

谢谢,
Kam Nam, Chef厨师

She is a honest, upright and a person full of integrity!

I have known Joycelyn as a personal friend for about 5 years. Since we were studying diploma in Kaplan, she has been honest, upright, and a person full of integrity.

Due to these important qualities, I choose her to be my financial consultant. She is able to plan for me on medical, saving and life insurance in details. So far, she is the best financial consultant I have ever met.

Also, I have benefited from her consistent services and up-to-date reports. I can see that she has a lot of passion for financial planning.

As such, I am confident that she will be able to provide a high standard of services beyond my expectations. I really hope that more people will benefit from her excellent follow up services, expert knowledge and extra-ordinary attitude.

To conclude, I can really trust her to manage my investments and will only look for her when I had problems regarding financial planning.

Jin Ting, Developer

Professional & down to earth lady!

I met Joycelyn thru a referral. She is a very pleasant and down to earth young lady. Despite our busy schedules, she made sure we meet to dicuss things. She made me realize how important having a health insurance and a life plan. These are essentials for the unforeseen emergencies that lies ahead. I'm really grateful for her kindness, patience and dedication to help other people. Thank you!

William, Hairstylist

谢谢 #JOYforlife🌈

我是得知我原本的FC离开后才从我同事William 口中认识Joycelyn的，然后和Joycelyn约出来见面。当时的我想购买新加坡的人寿保险而Joycelyn并没有马上很pushy的卖我保险，而是为我做了一次详细的policy review和update关于我existing portfolio后才介绍怎样的保险适合我，也详细解释了马来西亚和新加坡的保险之间有什么区别。和Joycelyn相处起来很舒服，也不会hardsell，很高兴能认识这么一位棒的FC😊

Sally, Hairstylist

10/10 满分😍💯

谢谢我的好朋友介绍 Joycelyn 给我认识 Joycelyn 是一个很细心很耐心的女生她让我意识到Financial planning的重要性给了我很好的建议让一个不懂得规划金钱的我开始学会怎样分配自己的支出 service也棒棒的谢谢你❤️

Xue Ling, Beautician

很nice的一位FC

我是通过我的一个朋友志文的介绍才认识 Joycelyn 的, 当初想要了解新加坡的保险但没有认识的朋友做理财顾问, 后来和 Joycelyn见过面后觉得她人很nice 我问的问题她都会一一回答很有效率的赶快回复. 大致上都很好 , 讲解明白, 很有耐心, 漂亮 👍🏻😊

Kah Yee, Clerk

Interesting and professional FC

We were referred to Joycelyn by our friend. She has always been punctual with her appointments with us. She takes into considerations of our profiles and drafts out the best financial plans for us, while being extremely patient to explain the policies to us in a detailed manner. She listens well to our requirements or queries, and never forces a policy on us. Conscientious and honesty were always the most crucial qualities that we look out for in an agent and we felt that Jocelyn had them. Otherwise, we would not have signed any policies from her.

Fiona & Terence

Thank you #JOYforlife🌈

Joycelyn is someone who is professional and very efficient in insurance policies, she did great in showcasing policies to suit my needs and offered valuable insights and recommendations. What I came to realize how important insurance is and Joycelyn made our transaction pleasant and smoothly, Thank you #JOYforlife🌈

Jaslyn, Estate Operator

She is the one I chose! ;)

Insurance is a product that many turn the other way when approached and yet knowing that it's something that we can't live without. That's because we are afraid that the financial consultant we trust our lives with will not be there for us when we need them the most.

With Joycelyn, you will never have to worry as she puts her heart and soul when it comes to protecting your life and I am glad to have her as my trusting financial consultant. She took the time to understand what I want, to hear my concerns and plan the best combination of insurance that will suit my lifestyle and financial needs.

I have met many financial consultants and she is the one I chose.

Noel, Nurse

Meet my awesome FC!

The financial planning by Joycelyn was great! She is professional and reliable, will definitely recommend Joycelyn as your insurance financial consultant.

I like the way Joycelyn explains the policies, it’s easy to understand and she’s full of patient with all my doubts. I’d strongly recommend Joycelyn for solid financial consulting!

Yue Kian, Barista

Sweet and professional!

I wish to express my customer satisfaction with Joycelyn. She is extremely prompt and very good at her profession.

Any time I raised a question or concern with my insurance policies, she works on my concerns immediately and we are able to resolve any difficulties that have arise.

It’s clear that Joycelyn work very hard to find the best value policies, even in spite of the fact my time is constrained. She was extremely patient and informative. She did a completed research of the policies on hand and in a very timely manner.

Cai Zi, Administrative

好评 💯

我是被我一个朋友介绍的，Joycelyn她的解释很好，也很有耐心，让我明白了财务规划真正的重要性。我会把她推荐给那些正在寻找财务顾问的人。👍🏻

Yao Zu, Technician

认识 Joycelyn 很开心！

JOYCELYN是个很有责任心和耐心的理财顾问，让从我一个什么都不明白不懂，直到一点一点解释让我明白，也让我明白储蓄对年轻人的重要性，所以要了解任何FINANCIAL PLANNING的TOPIC都很推荐她！10/10！

Jack Tan, Operator

Joycelyn Phang

Prudential Executive Financial Consultant

Joycelyn Phang

Prudential Executive Financial Consultant

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交谈轻松自然不会hard sell

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