Name : Joyce S. Y. Tan
Age : 63
Occupation : Art Therapist and Social Worker
Jonathan Chan has been my financial planner/advisor for more than 20 years. I had various life and endowment policies before, and yet Jonathan managed to persuade me that he would do better than the other insurance agents. He demonstrated this by pulling together all my various insurance policies, to map out the coverage and gaps. He started focusing on Retirement Planning when I was in my 40’s, when I was at the peak of my career.
His main philosophy is, enjoy your work, invest in savings and insurance plans that give you sustainable mid-term and long-term returns along the way; spend your surpluses on whatever is meaningful and enjoyable; keep a healthy lifestyle. He also helped me manage my CPF to repay an HDB loan. When I was 51 years, I was able, with Jonathan’s support and advice, to give up my regular work, to take up a full- time course in the USA, in a related field. The desire to do this was not so much to enhance my career prospects, but more so for personal and professional interest and development.
I did not worry very much about giving up a stable job and fairly successful career. I knew I would be able to pick up again, albeit with a leaner and variable earned income, supplemented by a new stream of passive income from investment of a portion of my CPF. Jonathan was there to advise me on medical insurance coverage that I would need as a freelance art therapist, and ways of planning for eventual retirement. However, I am still happy to continue working, doing what I enjoy very much, even if the remuneration is much less than before I left full-time work.
Jonathan adopts a holistic approach in retirement planning. He tries his best to understand my situation in life, my priorities and long-term financial requirements. He is very resourceful in providing the support and advice I need to make sometimes very difficult decisions. At 63 years now, I am still looking forward to the choices I have ahead, to do the things that are important to me; to be gracious, generous and hospitable with what I have, and to live life to the full.
Name : Mr Ang Leong Han
Age : 65
Occupation : Counsellor
I first bought a 10 or 15 years term of CPF saving account from Jonathan about 20 years ago, which has since matured. Throughout these years, he keeps in touch with me and occasionally introduced new insurance schemes and funds but never pushed for a deal. Since then, I developed a very good impression of Jonathan who is gentle, patient and not pushy.
I started buying funds/insurance products again from Jonathan about 5 years ago. With his professional knowhow, he helped me realise the importance of using my current savings to generate money so that I can enjoy retirement with minimal financial worries. He is a specialist in this area: he studied our financial portfolio and suggested which medical/insurance and financial area that we need to enhance.
He also helped us restructure our investment/saving to generate more money for our retirement. After buying the products, Jonathan also helps us to monitor the progress of the of the funds – if there is a need to, he would advise us to make some changes.
Thank you, Jonathan! With your help and guidance, now my wife and I can spend our retirement at ease, without the worry of touching our Principle savings.
Name : Dalvinder Kaur
Age : 56
Occupation : Teacher
Jonathan has been my financial advisor for the last four years. The advice and feedback he gave me after going through my financial portfolio has changed the way I look at investments and made me realise how important planning for the future is.
I now feel more secure and am deeply grateful to him for being so thorough and for working together with me to plan ahead. Now Jonathan has become more of a friend and any time I need financial advice, Jonathan is ever ready to help. He is very knowledgeable about his work and puts his heart and soul into what he does.
His clients’ interests come first and he always ensures that whatever he recommendations he make, they are done to help the client look forward to a better future. Thank you, Jonathan for all that you have done for me and my family.
I am very grateful to you because now, I feel more carefree knowing my investments are doing well and my retirement years are taken care of.
Name : Mr C H Siak
Age : 46
Occupation : Engineer
I was drawn to Jonathon’s retirement seminar 2 years ago. He advocates creating income stream with dividends which caught my attention.
Though I have been saving consistently and staying in simple lifestyle all these years, I do not have a clear vision on how my financial status could be sustainable to lead a comfortable retirement.
Jonathon has helped me build a viable and structured retirement plan comprises of insurances and low risk investment trusts based on my current assets. When he saw that I have been saving more than what have planned, he even asked me to spend more and enjoy my life.
He is also approachable, and I would highly recommend him to anyone who need professional retirement advices.
Name : Mr Ñeoh Hock Aun
Age : 46
Occupation : Senior Project Manager
I have known Jonathon for a couple years and he was my former neighbour. As we got to know each other better, naturally he introduced me to financial planning. Prior to this I had no idea on anything related to financial planning and gave me an introduction on how to better plan my finances with the end goal in mind.
I was very comfortable with the way he helped me plan my finances, very mindful of my risk appetite and my financial circumstances. To this day, I am still using his services and I can be rest assured my future is being taken care of.
Name : Ms Catherine Cheu
Age : 62
Occupation : Admin Executive
It was during my casual chat with ex-colleague that Jonathan’s name had popped up. I didn’t know him then. My children were young and I needed a professional financial advisor badly to plan for my family. It was way back in the late 90’s. How time flies and am reaching my retirement age. I benefit tremendously from his product knowledge and bought suitable plans for my family.
I continue to invest my hard-earned money with full trust and faith in Jonathan’s planning to see me through my retirement without worries.
Name : Mdm Ong Pheng Yen
Age : 70
Occupation : Deputy Director (Retired)
I knew Jonathan through an introduction and have found him to be a very committed and reliable financial advisor and planner for the last fifteen years. Through his sound advice and his patience in explaining the various investment and retirement products, I have gained much from him in planning for my retirement.
He is always ready to listen to my queries on current happenings in the arena of insurance policies on health matters. His up to date knowledge of these policies and advice have enabled me to make informed decisions on policy take-ups.
In this current retirement phase of my life, my retirement and health plans through Jonathan’s sound advice have helped me to live comfortably in my retirement years.
Name : Andy Chen
Age : 46
Occupation : Assistant Director, Corporate Communications
I have been using Jonathan’s services for about 20 years now, since I overheard him patiently taking a client’s call at the most inconvenient of times during reservist training. I thought: this had to be a man committed to his job.
And I was right. Jonathan’s service is prompt and top-notch, and he makes me feel he’s giving me his fullest attention despite me buying policies of small amounts.
Name : Mr Han
Age : 64
Occupation : Harbour Pilot
Sorry Jonathan, I am only able to provide partial testimonial because it is still early, and it is just over a good year now. I need more time. Thanks for introducing me the Dividend Portfolio, the performance have been good and consistence. We are happy for the high service level given by you.
As for the insurance part of it, I am happy with the retirement products recommended by you and especially the accidental plan for me and my wife to protect ourselves. Thanks again.
When I feel more confidence over time I will add more to the Dividend Portfolio and maybe by then my testimonial would be more helpful to you and your team.
Name : Colin
Age : 48
Occupation : Civil Servant
I came to know Jonathan by chance, not even through a friend’s recommendation. Jonathan was patient and provided lots of advisories for my decision. I started with a small portfolio in share trading before slowly gaining confidence in Jonathan.
Over time, I’ve widened my financial planning portfolio with Jonathan, expanding into retirement planning. I have faith in Jonathan taking good care of his customers and he never sounded forceful for you to buy onto something as long as you’re not convinced.
Thanks to Jonathan and Wan Cheng for taking care of my finance and well-being with a long-term view. Will definitely recommend to whoever is keen on sorting out his/her financial planning.