Zul's Clientele Journal

29/07/2024

One of the memories.

28/07/2024

Mendaki ✨

Always refreshing to exchange perspectives of the future.

Hope to see you guys on the next!

16/11/2021

One of the Reasons Why I Push Forward 📌

Storytime!

My mentor once told me, “passive referrals is a sign you’re doing a good job for your clients”.

None can be further from the truth! Today, A client of mine recently texted me that she recommended me to her friend who recently had a bad experience with her advisor, as she felt that she was pushed into signing something she wasn’t comfortable with, & felt that the relationship was transactional. Many at times in the Financial Services industry, we are bound to face black sheeps who taint the career in a bad light.

In this career that I’m in, it’s not all about selling but also too…

📝Establish great relationships
📝Provide clarity of one’s personal finances
📝Slowly progress one’s finances towards financial independence and freedom
📝Help work out one’s financial goals such as house renovation, retirement, education etc.

I truly believe that with true intentions to serve with a good heart, good things will happen eventually, & that I’ll meet with people who I’m meant to work with! :)

Genuinely excited to help her sort her finances out!

18/07/2021

Hope everyone’s having a good Sunday!

Just wanted to share a story I’ve read a couple of days back which I feel may serve as a good reminder for all of us - never take our health for granted, no matter how healthy we are or basing on our family history.

Being in this line for quite some time, I’ve seen stories of healthy adults who have been struck with illnesses/ accidents that they never thought happened to them. Which serves the need of a life/ critical illness policy, to help us tide through difficult times to focus on recovery instead of being in financial stress due to the sudden loss of income.

This article shed more light on the real life cases of people struggling to find jobs after being struck with illnesses due to the fact that the employers feel its too much of a health risk to take them in - a sad truth which says a lot about the working environment in SG.

A perspective I can share is - the people who were hospitalised didn’t know that they would end up there. Hence, the best we could do is to prepare/protect ourselves in case such things happen, especially when it could impact our finances drastically (eg: loss of job due to an illness/ disability)

With that, I hope that it serves to strengthen the importance of an income replacement (life/term) which helps to protect you financially in terms of need when such things happen. Feel free to share this with your loved ones.

Should you need more information about the idea of protecting your wealth, feel free to message me. No obligations, just hoping to spread more awareness about it :) I hope to create some content if there’s interest!

Have a great weekend!

In this instalment of Jobseekers’ Diaries, Mr Mohamad Rafie Abdullah, 51, recounts having to take on temporary jobs after becoming unemployed in 2019. He was later dealt several health blows, including a stroke. Then Covid-19 hit, which meant an arduous job search — but he refused to give up.

24/03/2021

I’ve always admired the grit in this guy. Khidhir’s a long time friend of mine who recently connecting with me in regards with financial planning & investments!

Open-minded & curious to learn more, we had a great chat about the ways we could manage our money considering SG’s getting more expensive as time goes by.As I’ve always prioritised delivering more than I should, I go on to organise his overall portfolio & update his shortfalls customised to his current Lifestage.

Now a happy client of mine with the service rendered, I’ll continue to provide the best I could!

Appreciate the trust in me brother! :)

PS: if anyone’s curious of how on better wealth management, drop me a DM for a free copy of my e-book explaining just that!

Take care & stay healthy everyone!

18/03/2021

https://blog.seedly.sg/ultimate-personal-finance-guide-to-investing-singapore

For those who are interested, here's an extremely powerful guide on the start of growing your wealth! As investing can be exciting for most, it can be daunting if there's certain key pointers to take note of :) Interested about investing but not sure how?

Feel free to have a chat & DM me! :)

Understanding the low-risk to high-risk investment options and how to go about investing!

09/01/2021

A good read for Property Investors/ Young couples planning for their BTO! :)

For those wondering where property prices are headed, here are 5 reasons why they are projected to rise in 2021.

22/11/2020

Though it's been a stressful period of our lives when the COVID-19 situation happened, I'm glad to have the opportunity to touch lives during these tough times;

Re-organising the cashflow & making sure that my clients are financially well-looked after!

It's not all about the policies, but also to extend a helping hand & advise them how to manage their money better, making sure that their financial situation remains stable during these tough times!

I'm Happy to be Touching Lives As I Go Along!

01/06/2020

A businessowner of My Study Lab - Tuition at The Midtown Hougang, Fathur has been a very driven individual throughout all of his life.

However, he feels the need to be realistic as well. As his business is his primary source of income, he fears for the unknown, should anything happen to it.

Fortunately, with the trust we've built through the years in contact, I helped him to review his portfolio to make sure that everything's in tact..

As trust is paramount in this industry, I am truly blessed for his trust in me. Here's a video of what he has to say about my consultancy service! :)