Vivian Yong

Senior Premier Financial Consultant / MDRT Qualifier

Vivian Yong

Senior Premier Financial Consultant / MDRT Qualifier

🌟 Hello! I'm Vivian Yong, a Senior Premier Financial Service Consultant at AIA Singapore. Over the past 5 years, I've dedicated myself to managing clients' portfolios with a focus on family protection, wealth accumulation, and preservation.

🔍 My belief is simple: life experiences shape our personalities and perspectives. As the eldest child of a single mom, responsible for my two younger siblings, I learned early on the value of money and planning ahead.

🌱 These experiences underscored for me the importance of financial planning. I'm passionate about sharing this knowledge to empower my clients and friends, aiming to make a positive impact on their lives.

💼 Beyond financial expertise, I cherish the genuine connections I build. Forging better, stronger relationships with clients and friends allows us to journey through life together. Let's navigate the financial landscape and life's milestones hand in hand.

Work
- AIA Singapore Private Limited
Credentials

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

Si Hui, Interior Designer

Hi Everyone,

I was looking to have some financial planning and healthcare coverage for myself and was recommended by my friend who has been working with Vivian for a couple of years. The consultation process was smooth and easy to understand to ensure my needs and demands were met. I also appreciate that she provides me updates and extra details to make a sound decision for myself.

Regards,
Si Hui, Interior designer

Patricia, Nursing student

Hi Everyone,

I can tell that Vivian is very passionate in what she does and committed to help clients meet their needs and goals. During our meetings she always listens intently and demonstrates her professionalism and integrity. It’s a pleasure to work with her as her positive attitude always brings joy to the conversations and allow us to end of the meeting on a good note, while addressing my needs and wants.

Regards,
Patricia, Nursing Student

Tommy, Videographer

Hi Everyone,

I like her straightforward approach to focus on my needs and wants and not recommend plans that I do not need at my current stage of life. She’s detail oriented and patient with me providing me guidance throughout the entire process. She also managed to make me feel comfortable and confident to entrust her with my life and plannings moving ahead.

Regards,
Tommy, Videographer

Hui Ling, Pharmacist

Hi Everyone,

I got to know Vivian when I was back from abroad and was looking into my healthcare and financial planning. Throughout these couple of years, she’s been patience and honest about the plannings and explanation to ensure I’m aware of the changes and plans in place for me. She is very open-minded and spends extra time to share her knowledge before any recommendations or products. I enjoy working with her as I can feel her sincerity and non-pushy approach giving me time to decide on any plannings before we proceed further.

Regards,
Hui ling, Pharmacist

Georgina, Real Estate Consultant

Hi Everyone,

Met Vivian through our mutual friend and enjoyed working with her, the entire experience was very different. Even though we are friends, she displayed professionalism when it comes to her work and imparted her financial planning knowledge when advising us. She also ensures we have a proper understanding of our portfolio and planning as she emphasised on the important of long term partnership of working closely together through the different seasons in life.

Regards,,
Georgina, Real Estate Consultant

Kian Wee, Director

Hi Everyone,

I have had the pleasure of working with Vivian Yong for my company’s workers' insurance, and I can confidently say that she provides exceptional service. Vivian is incredibly responsive and always willing to go the extra mile to ensure all of our needs are met. What truly sets her apart is her proactive approach—she constantly researches ongoing promotions and advises us on the best options available, which has been invaluable for our company. I highly recommend Vivian for anyone seeking a knowledgeable, dedicated, and customer-focused insurance agent.

Regards,
Kian Wee, Director

Kevin Gueugnon, General manager

Hi Everyone,

I have met Vivian through my friend while I was looking for different options regarding my insurance and investments. Vivian has been an amazing consultant since over 2 years I have known her and always proposed the most adapted products for my needs. She is a wonderful being, very kind and always responsive, at any time of the day. She needs to rest abit though sometimes. lol. I highly recommend Vivian, she will do everything on her power to make sure her clients have what they are looking for! Thank you for your help and being awesome!!

Regards,
Kevin Gueugnon, General Manager

Shawn & Winney

Hi Everyone,

I met Vivian through my friend and colleague and heard that she used to work at the same company as me. She was highly recommended to me, and after meeting with her I find her friendly and kindhearted. She explained the planning with me and my wife in great details with stories and examples to assist us in the family planning journey. I like that she’s very informative, clear and efficient as well. Would definitely recommend her services to any friends or family who need help in financial and family planning.

Regards,
Shawn & Winney

Benjamin, Director

Hi Everyone,

I highly recommend Vivian as a personal insurance and financial advisor. She has great knowledge and matches the right financial and insurance products with my requirements and needs. She is very trustworthy and efficient.

Regards,
Benjamin, Director

Kingston, Software Developer

Hi Everyone,

I have known Vivian through my family and she has been proactively handling my insurance plans since. She is a committed consultant who provides clear advice and appropriate plans.

Drawing from her experience, she shared and highlighted the relevant coverage and suitable approach for my financial security. Her assistance was not just transactional as she consistently sought a holistic understanding of my goals.
I wholeheartedly recommend Vivian to anyone seeking a dedicated financial service consultant.

Regards,
Kingston, Software Developer

Cassandra koh-Seelos, business owner

Hi Everyone,

Working alongside Vivian as a fellow team member at AIA for 2 years, I have seen how the amount of hard work and heart work she had put in for both her clients and personal growth. With similar mentorship and values, her level of maturity and levelheadedness are uncommon amongst her peers, and I soon found her to be an inspiration. When I decided to leave the industry due to personal reasons, but still a huge advocate of financial health, wealth and sustainability, I knew that Vivian would be a great (business) partner and would take great care of my clients and family, as she genuinely has their interest at heart.

Today, my company is in a direct partnership with AIA and with Vivian as my trusty AIA partner, I can wholeheartedly vouch for her competence, service and that she will always put her clients’ wellbeing as priority. A great girl with a great head, on a great heart!

Regards,
Cassandra Koh-Seelos Business owner, Luxury Travel

Lynn, Captain

Hi Everyone,

I’ve knew Vivian about a year back when I participate in an online campaign. Met her through zoom and managed to keep in touch and when I wanted to look into doing some savings she managed to help me in the process. She is always very responsive to my questions and clear with her explanation and it really helps for my planning.

Regards,
Lynn, Captain

Raudha & Ahmed

Hi Everyone,

Met up with Vivian as I’ve some plans with AIA and know she’s been working there for awhile now. She helped us do some minor adjustments to our plans and update us on some of the changes too. Got to better understand and plan for the family and my child. And she also clearly explained to me more about Shariah funds which we were keen on knowing more about. She’s always friendly, committed and knowledgeable in her sharing.

Regards,
Raudha & Ahmed

Jacelyn, Account Executive

Hi Everyone,

I’ve know Vivian now for a couple of years and she’s always responsible and goes out of her way to help. She has also been servicing me and helping me do claims when my baby is sick and always shares with me if there’s any changes and update.

Regards,
Jacelyn, Account executive

Zhao Wei, Engineer

Hi Everyone,

I met Vivian through a mutual friend and got to know the importance of having proper insurance and financial coverage in Singapore. And understand the importance of doing up the nominations for the policies I have in place.

Regards,
Zhao Wei, Engineer

Ms Chuu, Engineer

Hi Everyone,

I know Vivian through my friend and understand the importance of insurance. Previously, I got into an accident and the bill was more than tens of thousand of dollars, I was very aware of how expensive it can get. Luckily at that time I had company insurance and was able to make a claim and have benefitted from it. So when she go through with me, I'm clear of what I want and need to make sure the plans is able to serve/provide me the ease and convenience I need. She explained everything clearly to help me to save and cover any health related concerns.

Regards,
Ms Chuu, Engineer

Yu Yu, Accountant

Hi Everyone,

I get to know Vivian when my family member strongly recommended for us to meet to find out more about healthcare and coverage. As she had helped them with the entire process making it easy to understand and digest the information provided. Am glad she is able to help me with my needs as well and get to help some of my friends too.

Regards,
Yu Yu, Accountant

Tiffany, Compliance Officer

Hi Everyone,

I’ve know Vivian since my teens and been more than a decade since we’ve known each other. We reconnected some time back and I’m glad that she help to shed light on some of my coverage and what are some of the gaps. It also helps to understand what a comprehensive portfolio would comprise of and would love to share her service with my closed ones.

Regards,
Tiffany, Compliance Officer

Aung, Engineer

Hi Everyone ,

Vivian help me understand and explain the importance of insurance and the benefits of having proper coverage. I’m satisfied with the help and service and would recommend her to my friends and family.

Regards,
Aung, Engineer

Kay, Quality Surveyor

Hi Everyone,

I met Vivian through a talk at my workplace and she helped me understand more about insurance and the different kind of plans. She is patient and clear with the explanations at the same time. Am satisfied with her help/services and will definitely have her help my family and friends with theirs as well.

Regards,
Kay, Quality Surveyor

Kam Mang, Ticketing Operator.

Hi Everyone,

I got to know Vivian through a mutual friend when I needed some help for one of the old policies I had with AIA. When I met with her she assisted to help me understand the old plan with updates and transit me to the new ones that could cover me in the event of any mishaps in health, like hospitalisation, accident and more. She help me ensure my nomination is properly done up in the event anything happens it could be provided for my dependant as well. She has a good attitude plus is always happy to help with my questions explaining in a clear and straightforward manner. Would recommend her services to my family and friends.

Regards,
Kam Mang, Ticketing Operator

Joey and KKH

Hi Everyone ,

We got to know Vivian through our friend whom is also her client and have gotten help from her on a lot of adulting topics. She provided an holistic overview on things like BTO, career and our policies and plannings she did for us. Would also like to prepare ourself for our future retirement plannings.

Regards,
Joey and KKH

Doris, Marketing Manager

Hi Everyone,

Known Vivian for a long time now and she have been professional and helpful to help with my needs. She provides me with information and guide for financial planning for me and my newborn. Would love to look into family planning more in the near future.

Regards,
Doris, Marketing Manager

Sue, Customer Service Consultant

Hi Everyone,

Vivian always ensures that she’s meticulous and detailed in her work and provides great advice. She always ensures we work together collaboratively as she will explain the recommended plannings with me. Appreciate that she makes sure I understand the full picture before doing anything.

Regards,
Sue, Customer Service Consultant

Juliana, Lecturer

Hi Everyone,

Vivian have been very helpful and useful in the process of finding out and planning for health coverages for myself and my family. Keen to explore areas in terms of financial planning more.

Regards,
Juliana, Lecturer

Haniz, Data Analyst Executive

Hi Everyone,

Vivian is always very clear and helpful with her explanations and recommendations and ensure that it is in the best interest of her clients that is suited to their financial situation. Would also love to explore policies or savings related to coverage for my child moving forward. Am satisfied with her service thus far and appreciate that she’s not pushy and always explains things to me in a clear manner.

Regards,
Haniz, Data Analyst Executive

Seng Ann, student

Hi Everyone,

I appreciate Vivian’s quality advise and insightful sharing of financial planning. And getting started on investment and planning with her early on have been helpful. She’s been very detailed and did an impeccable review for my financial planning.

Regards,
Seng Ann, Student

Nasri & Hani, DOP & Producer

Hi Everyone,

Vivian was always very clear and informative during our meetings and help us understand the objectives instantly. She ensures we do up our proper nominations for our policies to ensure all grounds are covered. I like that she is very straightforward and honest in her approach and always answer all our doubts.

Regards,
Nasri & Hani, DOP & Producer

Vivien, Project Manager

Hi Everyone,

I’ve known Vivian since secondary school and we reconnected recently. She went through my portfolio and coverages and help me to understand what are some of the benefits and coverage as well as the importance of insurance for future plannings. Will definitely recommend her to people close to me. She is a rare gem in the industry who is also dedicated and hardworking that pays attentions to my needs, wants, budgets and interests throughout the process.

Regards,
Vivien, Project Manager

Janice, Assistant Manager (HR)

Hi Everyone,

I got to know Vivian cause we used to work in the same company. I forgotten some policies I bought and one time I had the letter with me and she helped me look through it. From there she helped to look through and arrange my plannings and documents as well. Would love to get frequent updates on the investment & other policies that I have with her.

Regards,
Janice, Assistant Manager (HR)

Siti, Accounts Assistant

Hi Everyone,

I met Vivian through one of my colleague’s recommendation and I find that she is a very patient and sweet girl. She went through all the details of the holistic plannings she did up for me and my husband. It was a very fruitful meeting and we get some insightful knowledge through the process. She always provide me with all the info we need to know and I’m entrusting her to help my family to look through them as well.

Regards,
Siti, Accounts Assistant

Azriani, Customer Service

Hi Everyone,

We known each other for almost 10 years and occasionally do check in with each other. When I needed to look into something I remember Vivian being in AIA and consulted her help in the process. She promptly reply to my queries, help me for my planning and with my existing portfolios as well. It really helps that we know each other well and I know she have my best interest in mind too.

Regards,
Azriani, Customer Service

An Qi, IT personnel

Hi Everyone,

I know Vivian through a campaign I participated in and get to know more about investments and saving as well as planning ahead. As I just got married and got into a different phase of life, would love to find out more about suitable plans for young children and family planning. It was a pleasant experience meeting and talking to her.

Regards,
An Qi, IT personnel

Brigitte, PR consultant.

Hi Everyone,

As a fresh grad, Vivian was helpful in explaining the entire process of what an adequate insurance or financial plans will be best-suited for me. She also provide good advice on how to balance and cover different areas that would provide the ideal solution to my situations. She also went through the process of ensuring I’m able to easily access my policy contract and details, in the event I needed clarity.

Regards,
Brigitte, PR consultant

Alvis, Engineer.

Hi Everyone,

Got to know Vivian by chance and learnt about the different investment portfolio and strategies and how to move forward for planning for the future. And keen to explore more on investment and how to make them more profitable.

Regards,
Alvis, Engineer

Gerald Tey, Account executive

Hi Everyone,

Known Vivian through our mutual friends and was keen to explore on savings for my future. When I met up with her she was extremely patient in addressing my concerns and questions that I have along the way, providing detailed explanations and examples to provide me clarity for accident and investment plans that I was enquiring about. It was a great experience working with her…

Regards,
Gerald Tey, Account Executive

Hong Rui, Police Officer

Hi Everyone,

Vivian was very detail-oriented in clarify any queries and doubts that I have. I was also able to better understand the plans that I have implemented with her help. Would love to know more on how to save better for the future to make better financial decisions too.

Regards,
Hong Rui, Police Officer

Genevieve, Manager/Realtor

Hi Everyone,

I’ve known Vivian since our study days and she has always been someone very approachable. After knowing she is in Insurance, I decided to hear more from her on the term insurance plans . She was not only very willing to share all informative knowledge, but also very patient in giving me all the time needed to do my own comparisons. I strongly recommend her service to all!

Regards,
Genevieve, Manager/Realtor

Janelle , Consultant

Hi Everyone,

I find her friendly and approachable, being resourceful for any queries. Through the meetings with Vivian, I was able to find plans that was able to suit my lifestyle that cater to my finances and plans moving forward. I was also made aware that for some plans there is options and opportunity to make fund switches that might be more beneficial in the long run.

Regards,
Janelle, Consultant

Jonathan, Security Personnel

Hi Everyone,

Was kind of new to financial planning in general and was able to get clear and detailed explanation through the meeting with Vivian. She helps me with a better understanding to personal finance with regards to savings for the future or rainy days…

Regards,
Jonathan, Security Personnel

Marick Pan, Event Coordinator

Hi Everyone,

Through my interaction with Vivian, I have a better understanding of what critical illness, savings and investment planning is about. And glad to learn from her on how to accumulate or invest my money for my future. Happy to share with others about her service.

Regards,
Marick Pan, event Coordinator

Andrew, Cybersecurity analyst

Hi Everyone,

I find her sharing very relatable and useful, and was able to give clear explanations of the purchase for the respective policies and it’s benefits. Overall I find her very friendly, knowledgeable and resourceful whenever I need any information.

Regards,
Andrew, Cybersecurity analyst

Guo En, Security personnel

Hi Everyone,

I’ve know Vivian for more than 10 years and seen her professionalism and efficiency for her work. She follows up promptly for my claims and clearly explains my existing and coverage and what are some of the important things for financial planning moving ahead.

Regards,
Guo En, Security personnel

Qiu Lin, Nurse

Hi Everyone,

I’ve known Vivian through a stroke of luck and found her very down-to-earth and full of warmth. She is someone whom I can trust and rely on when it comes to health insurance planning, as she is informative and extremely patient. Will definitely recommend her to friends and family :-)

Regards,
Qiu Lin, Nurse

Jia En, Account executive

Hi Everyone ,

I got to know Vivian through participating in my Telco challenge and some coverage for myself. Through the meetings I get to understand the type of coverage and also different kind of insurance and savings plans. Moving forward, I’m keen into look into retirement or investments that may benefit my future and would love to recommend it to my friends and family...

Regards,
Jia En, Account executive

Elaine and Zi Hao

Hi Everyone,

I got to know Vivian through a Singtel challenge which I participated in. She was prompt in sharing the information and the plans. Always an insightful and informative session when I meet up with her.

Regards,
Elaine and Zi Hao

Kenneth, SOC officer

Hi Everyone,

Found out more of my existing policies and what it covers. Presentation was very easy to understand and explained in a very clear fashion. Would recommend her sharing to let people know the benefit of insurance. Some areas that I’m keen to venture into would be maybe investments .

Regards,
Kenneth, SOC officer

Sathish, Executive officer

Hi Everyone,

Vivian helped me understand about the different kind of plans and what it covers, from hospital to accident and critical illness related ones. Got into a minor accident and the plan she recommended has helped tremendously in the piling medical bills.

Regards,
Sathish, Executive officer

Crystal, HR executive

Hi Everyone,

Got to know Vivian through my boyfriend and we hit off really well. I have some plans previously and was uncertain of that it comprises of and she walked me through the details. The importance of knowing what your plans cover and someone you can trust is really helpful. Was having concerns about critical illness and accidents, which she managed to promptly address it too. She was professional while being patient and kind listening to any problems that I feel that I might potentially have to deal with..

Regards,
Crystal, HR Executive

Will, SCDF regular.

Hi Everyone,

Vivian helped me looked through some of my relevant policies and provided a good explanation/grasp of the coverages. The explanations were also very clear and concise that provided great clarity for me. Would recommend her service to my family and friends as she’s very reliable and patient in addressing any concerns.

Regards,
Will, SCDF regular

Zhi Ping, Retail Associate

Hi Everyone ,

Known Vivian a couple of years and worked together in retail sometime back. Needed some help to check up some of my old plans from AIA and was able to find out the details of the plan through her help. She also made some recommendation for my overall coverage which was very helpful. Would be Glad to look into more savings next and recommend her to my closed ones.

Regards,
Zhi Ping, Retail Associate

Glendon, Business Development Manager

Hi Everyone,

Met Vivian through mutual friends and was able to see that she provide excellent service to my friends for their financial planning. Was able to gain more insights in investments areas I was not familiar with too. She also shared about CPF investments and the limitations that might aid in the retirement planning process.

Regards,
Glendon, Business Development Manager

Sani, Project coordinator

Hi Everyone,

She have been a great help looking after my family policies plan and Ensure the family is well covered. Her sincerity can be felt through her actions, even when there’s some health complications in the process she was professional and made all the necessary arrangements. I would definitely want to recommend her to family and friends.

Regards,
Sani, Project Coordinator

Mdm Chia, Admin executive

Hi Everyone,

My whole family’s policies is under her care and she takes time to explain and give me a clearer picture of what I’m being covered for. She helped me restructure some of my older plans to Ensure my coverage is adequate as times have changed since.

Regards,
Mdm Chia, Admin executive

Geraldine, Beautician.

Hi Everyone,

I was interested to find out about savings plan and got to know Vivian through a recommendation of a mutual friend. She is very helpful and provide very insightful information to help speed up the decision-making process. She also shared what are some of the basic fundamental coverage everyone should be covered for regarding the different needs and gaps for health and life insurance.

Regards,
Geraldine, Beautician

Stella, Admin Executive.

Hi Everyone,

I got to know Vivian through my friends’ social gathering, we got along very well and she feels comfortable to be around with. My initial approach to financial planning was putting it off as Long as possible. But when I spoke to my family members majority of them have planned for it, encouraging me to do it too. So when Vivian reached out to me, I decide to find out more and her knowledge made a lot of sense, which made me decided to materialise my planning with her. Despite being friends, she display professionalism when it comes to work and provide the confidence for her clients.

Regards,
Stella, Admin Executive

Thong Thai, Software Engineer

Hi Everyone,

I found the meeting helpful for me as the first few plans I have under my portfolio were savings for the future. Vivian went through my existing portfolios to assess my situation before recommending plans to address to my needs. In turn, I was able to gather more knowledge for health related policies to secure myself in the event of any mishaps. Her sharing helped to counter the urgency to resolve the gaps that I might encounter in the near future.

Regards,
Thong Thai, Software Engineer

Luo Yun, Landscape Architect.

Hi Everyone ,

Personally I’ve known Vivian for more than a decade, She has always been a very honest and reliable person throughout the years I’ve known her.

Currently I’m residing and working overseas. After going through my overseas insurance coverage, she discover some gaps the overseas coverage does not cover and show me which policy is suitable for my current situation. She mentioned she could come up with something that compliment my existing ones and also within my budget.

She was very patient in explaining the different coverages overseas and in singapore to make sure I’m fully aware of the policy coverage. I like that she is very detailed and shows great understanding of all the different products.

She display professionalism in the way she deliver the services she provide as well. I would not hesitate to recommend her to anyone who is interested to learn more about the products and are looking for a trusted advisor.

Regards,
Luo Yun, Landscape Architecture

Pauline, Financial Analyst.

Hi Everyone,

I got recommended to meet Vivian through my sister. The sharing were insightful for me to compare the kind of products that is suited for my needs. I felt that the meeting was very personalised for me and transparency was communicated in the explanation of the plans I wish to acquire from her. Would be keen to look more into more saving and wealth accumulation advice.

Regards,
Pauline, Financial Analyst

Xiao Hwee, HR Executive

Hi Everyone,

I was able to understand more about my existing policies and get a clear explanation of my existing and gaps of my coverage. Vivian was very clear and precise and even went through the fine prints of my contracts and what to look out for before committing to a plan. She educated and highlighted important things to help me ensure my future plans I can take note of that to get the best value for money.

Regards,
Xiao Hwee, HR Executive

Sam Chua, Trust Adminstrator

Hi Everyone,

Vivian has been especially helpful in so many ways. I appreciate her analysis of my existing policies, her suggestions for changes that I may want to make to strengthen my coverage and her expertise in helping me choose the right products that are suitable for my needs. Vivian genuinely cares about her clients and their well-being. I highly recommend her to anyone who is in the market for insurance and investments!

Regards,
Sam Chua, Trust Adminstrator

Maureen, Accounting Associate.

Hi Everyone,

The meetup with Vivian was very personable and pleasant. She was very patient with what plans might be suitable for me and provide me with some options to consider before making a decision. She ask questions of my future goals to understand what I want to achieve before providing me a solution to my problems. The delivery of the explanation have been very meticulous as well. I feel that, she does not just do it as a job but rather she focus on each individual’s needs before she even highlight the gaps or recommend anything.

Regards,
Maureen, Accounting Associate

Qian Qian, Marketing Manager

Hi Everyone,

I was recommended to Vivian through my company’s director with regards to financial planning. Prior to working with her, she assisted my company for some of our corporate coverage and also my director’s personal planning and the experiences have always been very pleasant and positive. She promptly follow up and update us with regards to any changes or process to ensure we make the most well-informed decision. Over time I checked with her regarding coverage for critical illness and she provided options for me to consider. I actually enjoy the process when she walk me through without putting pressure while getting myself adequately covered.

Regards,
Qian Qian, Marketing Manager

Siti, Port Ops Supervisor

Hi Everyone,

Vivian was very prompt to address all the queries/questions I posted to her. She helped me revise through my existing policies and identify the gaps and recommended plans I should have. I would recommend my family and friends to her as I feel that she is very updated in terms of knowledge, thus providing the value add to her clients.

Regards,
Siti, Port Ops Supervisor

Cornelia, HR Executive

Hi Everyone,

Vivian was my secondary school classmate and it was amazing to have known her for so many years.

Once she had contacted me, I provided her all the information I knew about insurance or financial policies of mine. She has equipped herself with the financial knowledge and skills to carefully assess each case. I am always curious about investing and is a total dummy at it. She informed me about different plans and options, and does not just show/tell me about plans that have a “standard growth”. She went a step further to show me her own investments with AIA which made it even more credible.

I would highly recommend her to anyone who is looking for someone who is motivated and reliable financial advisor.

Regards,
Cornelia, HR executive

Wai Hoong, Software Engineer

Hi Everyone,

I find that Vivian was very informative and clear in her sharing. She also tries to give the best recommendations and advice or products to help us. The area that I would like to address next would be retirement and hope to find out more about it. I find that she is trustable, friendly and happy to help.

Regards,
Wai Hoong, Software Engineer

Wei Li, Management trainee

Hi Everyone,

I came to know Vivian through my parents. She provides very candid and relatable experiences/stories from her sharing at each meeting. She was also very well-prepared in her knowledge of financial planning to ensure that I am well-informed. Her friendliness makes the whole process comfortable and seamless, I would definitely recommend her to my family and friends.

Regards,
Wei Li, Management Trainee

Andy Yap, Regional Marketing Executive

Hi Everyone,

I find Vivian provides useful tips on the overall financial portfolio and goals in a clear and analytical standpoint. The analysis enable me to grasp a deeper understanding of the existing plans I have and identify the gaps accordingly. My priorities now is more of accumulation of wealth and it was addressed to my needs. Therefore would definitely recommend my close ones to meet up with her.

Regards,
Andy Yap, Regional Marketing Executive

Ronald Khoo, Principal Trainer/Educator

Hi Everyone,

I've known Vivian for years in her previous profession. She treats me more like a family member than a client.

Vivian advises me on investments and other financial related matters based on my needs rather than promoting products for her advantages. Her professionalism is displayed through her consistent updates of my investments portfolio, putting me at ease amid my busy life. It is a comfort to know that my investments are in good hands.

Vivian's expert knowledge makes planning, protecting and growing one's wealth easily accessible while her personable nature is refreshing. I trust she for her insights, knowledge and passion to provide her clients with the best wealth management services possible.

I sincerely appreciate her financial services and was encouraged by her presence. She makes me feel I can trust her with my financial matters. I am more than willing to recommend Vivian to anyone for her delicated service, and the company she is representing, AIA.

Regards,
Ronald Khoo, Principal Trainer/Educator

Manager

Hi Everyone,

Vivian helped me to understand my existing coverage, which my parents have bought for me since young clearly. I was also transitioning to a new phase in life, therefore i had to look through my portfolio again. She practice patience in addressing our issue and explain every minor detail that we need to be informed on. At the same time she also listens and address my needs providing the necessary solution to meet them. I feel that she’s very easy to work with and full of smiles all the time. I liked that her approach was sincere and more of addressing my solution rather then trying to push a sale which I appreciated.

Regards,
Wei Jun, Manager

Wai Hou, Admin Executive.

Hi Everyone,

I got recommended to know Vivian through a good friend of mine and find that she was very easy to get along with. I’ve some existing plans which she help to explain and gave me a clear picture of how it can help me. Throughout my meetings with her she always gives very genuine advice which is from impartial standpoint that makes her very relatable. I can also feel that she cares from her clients and have a kind heart of wanting to help too. And she should continue to keep up the good work!

Regards,
Wai Hou, Admin Executive

Kaylee, Manager

Hi Everyone,

Had a very insightful and meaningful meetings with Vivian and found out a lot more in terms of investments and insurance benefits. Very candid, relatable and real-life cases were shared that really help me get a better understanding and appreciation of the importance of insurance to transfer the risk to insurance company. In terms of investment, for someone without any background or knowledge like me I got a really good understanding of how to grow my money, diversify in terms of investment too. I also got to know more about the different portfolios, funds and how to look at some of the growth charts of individual funds. All in all very helpful and insightful meetings which resulted in meaningful learning on my end too.

Regards,
Kaylee, Manager

Nutthawut, Student

Hi Everyone,

I was able to get a clear understanding of the savings plan that I’ve gotten for myself and the explanation was very clear and precise. She also ensure that I was able to access my e-contracts and documents easily so I can refer to it when needed. Everything was very streamlined and easy on my end due to her help.

Regards,
Nutthawut, Student

Xiao Teck, student

Hi Everyone,

Vivian was very friendly and detail in terms of her explanation of the insurance plans that I signed up for. She did clear and concise comparison between the plan available in her company with the different plan from other company to ensure the coverage is the best for me. She even share with me how easy to access my documents on the app and how claims process can be done as well.

Regards,
Xiao Teck, Student

Roslinah, Finance Executive

Hi Everyone,

I had a clearer understanding of my policies and coverage. In addition, my retirement planning was very well-thought by Vivian structuring a suite of products to cater specifically to my needs. She promptly follows up on me and ensure a peace of mind of how my funds will be divided upon my demise very thorough and precise at every stage.

Regards,
Roslinah, Finance Executive

Shamah, Teacher

Hi Everyone,

The info shared about health insurance and how important and useful it will be in the future was very eye-opening for me. She went through every nook and cranny of information that I wouldn't otherwise will know of. She always shared about savings and how having a system will help especially for young adults entering the workforce. I appreciate her sincerity and understanding my needs meticulously.

Regards,
Shamah, Teacher

Jasmine, Retail Assistant

Hi Everyone,

Vivian was recommended to me by my nephew to take over and understand my existing policies which have been unattended years back when my agent left. She was very patient and clear in her explanation to me and my husband to let me understand my coverage and help me restructure to my current situation. Happy with her service and would recommend it to more people. Keep up the good work!

Regards,
Jasmine, Retail Assistant

Xue Fang, Executive Officer

Hi Everyone,

Vivian shared a lot of useful information that was able to cater to myself and my family’s needs. She was also very friendly and patient in explaining the details that addresses the enquiries I have about the coverage of the plans. Making sure it was holistic and comprehensive to meet the required needs.

Regards,
Xue Fang, Executive Officer

Harish, HR Executive

Hi Everyone ,

Vivian manages to highlight the importance of insurance, what it covers & the effect it will have in the long run. I would definitely recommend her to my friends and family as I feel that her sharing will definitely benefit people around me. Insurance definitely bring about a positive effect and she will work together with you to ensure adequate understanding is brought across. She is also knowledgeable, friendly and sincere in her sharing. Not to mention she’s a great listener and genuinely wants to help meet the need of her clients as much as possible. It was a joy hearing out her thoughts and the way she shared was very conversational and relatable. Overall she’s a great friend that I can trust to work with.

Regards,
Harish, HR Executive

Anita, teacher.

Hi Everyone,

Vivian is a wonderful agent. She took time to meet me on more than one occasion and she went through all the policies offered by AIA. She was thorough in her explanation and patient even as I took some time to process and make my decision to pick policies. She was not pushy with her dealings and she had a personal touch as she listened to my needs and concerns. Vivian was also very intentional in following up if I had any queries and she ensured that I was always well informed about my choices. She is trustable and a dependable friend.

Regards,
Anita

Eunice Yoo, UX Designer

Hi Everyone,

I want to commend Vivian for her exceptional service and knowledge. She educated me on things that are really important to consider as life is full of unexpected surprises. Her responses to my messages always came within 24 hours, more often than not even sooner. She has a personable demeanour regarding questions and concerns I have. She is also very practical. She recommended me with only the products that are relevant to my needs for the time being. Thank you for all of your help!

Regards,
Eunice Yoo, UX Designer

Teck Ming, Accountant

Hi Everyone,

Was able to get a greater understanding from the explanations for accident and life insurance plan. Have also managed to submit a claim with Vivian’s help for neck injury sustained while at the gym. The claim was processed quickly and was provided prompt updates by Vivian of the whole process. And would recommend her to friends and family as I feel that she's very friendly and comfortable around.

Regards,
Teck Ming, Accountant

Hi Everyone,

Knowing Vivian since secondary school, I was curious to see if the traits that were reliability and trustworthiness I remember her for would carry over to her new profession as a financial advisor. Based on the meetups we have had, these traits have been honed to a higher level along with a tinge of professionalism as shown during our conversations. I would therefore highly recommend Vivian to my peers for any financial advice they may require with the full knowing that they will be in the right hands.

Regards,
Joshua, Recruitment Executive

Alvin Tan, Director

Hi Everyone,

Proper and appropriate planning have been become one of the main concerns when we buy any insurance products. Often when we bought our plans in our early age there isn’t any reviews annually. So overtime the plans are no longer as relevant in today context.

So when Vivian approached for a summary and review i was happy to do it cause I can’t really remember what I bought over the years. After better understanding of my plans and weighing the options, I’m glad I managed to have comprehensive plans which fits my criteria and needs. She have also been very prompt in her pre and post sales service to her client to value add to her customers.

Another commendable thing is she even go beyond her scope of work when I’ve mentioned about refinancing of my mortgage and she even assisted to bridge that gap with her connections.

Regards,
Alvin Tan, Director

Carol Tan, Hr Executive

Hi Everyone,

Having seen Vivian through the years, she has grown from a little lady to the now matured and ambitious young woman who has set goals in her career and life that will see her grow fabulously in this industry. I used to go to her for courses for the workers in my company when she was in the training sector and has provided her the responsibility of my company's employees benefits when she joined AIA. And today she takes over my personal policies after my agent left me orphaned. A truly sincere and hardworking young woman who plans well for your financial needs and concerns. Give her time to learn even more in this industry and she will excel.

Regards,
Carol Tan, Hr Executive

Hwee Liang, SAF Engineer

Hi Everyone,

I appreciate Vivian’s sharing about the financial and insurance knowledge as I met her without any prior expectations and got to take away a lot out of it. It also provided me a comprehensive understanding of my policies as well as some of the popular and beneficial plans people usually take up too. I would definitely recommended her through word of mouth to my friends as I feel that is the most genuine and respectful approach to helping someone.

Regards,
Hwee Liang, SAF Engineer

Titus Tan, Account Manager

Hi Everyone,

As you aged, retirement planning become one of your priorities. Managed to catch up with Vivian whom had shared some of the savings plan with insurance coverage which her company has to offer. After weighing the options and detailed sharing, I’m glad I managed to secure a plan which fits my criteria and needs. Though she is still relatively new in this line, her dedication and sincerity in helping her client’s needs as priority is worth mentioning :)

Regards,
Titus Tan, Account Manager

Mai, UX Designer

Hi Everyone,

Hi all,

Vivian’s absolutely someone I trust - for all the years I’ve known her, she’s always been genuine and caring/loving enough to want the best for others. She’s never one to bring others down, so with that alongside her passion in everything she do, she is definitely not your typical insurance agent chasing commissions, hah!

With her solid knowledge for all her products, and especially, willingness to explain and answer one’s questions/doubts patiently, I’ll highly recommend her to anyone looking for a trusted and reliable financial advisor.

Regards,
Mai

Angie Chew, Hairdresser

Hi Everyone,

我对保险的事，一窍不通所以需要可靠和可信的人来帮我。上了年龄的一般都很贵所以当 Vivian 可以帮我买到在我的预算，让我很开心也很放心。也很常让我知道有更新。

Regards,
Angie Chew

Giselle Wong, Sales Executive

Hi Everyone,

I have known Vivian for years and she is always known as a very honest and reliable person.

She has possess great set of financing skills and knowledge in all her products. She is also very patient in understanding every individual requirements and cater to its own needs. She is also very efficient and detail orientated.

Because of her good judgement and proven work habits, I would highly recommend her to everyone who is looking for a trustable and reliable advisor.

Regards,
Giselle Wong

Kar Hao, Admin Executive

Hi Everyone,

I’m sort of having bad perception to some Insurance Agent due to their irresponsibility, however Vivian successfully describe what is her responsibility in providing good service, being understanding and recommendations that fulfill my needs in financial planning.

Vivian, glad to have you as my financial consultant, thanks to you and keep it up :)

Regards,
Kar Hao

Nasrul, Photographer

Hi Everyone,

My perception of insurance agents were that they all were out to earn other’s money initially. I was a skeptic at first about insurance or savings/investments, cause I’d rather spend it on things that can be felt, touched or used on a daily basis. A reason why I decided to hear Vivian out was that I was struggling to save cause there was no system that forces me to do so. But Vivian shared that savings/investment plan actually created a “forced savings” system for me cause I have to set aside the amount every month. All while getting me better returns for my money (better interest rates than banks haha). She even openly shared some of her own plans with me. Insurance was a by-product of the process of planning cause I want to make sure it does not eat into my savings down the road.

Regards,
Nasrul

Wei Siang, Personal Trainer

Hi Everyone ,

I’m very thankful that Vivian reached out to me and having her as my financial service advisor. As a freelance personal trainer, financial planning is never one of my strength. But through working with her and the advices and tips she provide I was able to get a more comprehensive knowledge in this area. She is also patient and meticulous in the planning process to make sure it is catered to me as an individual. Her thoughts were always in my best interest that provides me the assurance of making the right choice to work with her. And despite her busy schedule, her after sales follow up frequency were appropriate to make sure I’m well covered overall.

Regards,
Wei Siang

Wendy, Tuition Teacher

I am thankful to have got to hear from Vivian about the plan that I needed to get for my parents. I really like how personal and meticulous she is when explaining, without being pushy of the policy that she wants you to get, but rather having the best interests of her client's at heart. Her sharing helped me to understand the different plans and their individual benefits, giving me a comprehensive understanding of what I am about to purchase. She is someone I would recommend as a reliable and friendly agent.

Wendy

Evelyn Chye, finance officer

Hi Everyone,

I’ve known Vivian since I was 15 and she has always been a reliable and trustworthy Friend. I feel that her approach is genuine and sincere to help address her clients goals and needs. She put in a lot of effort to prepare the details and analyse our situations to better suit our Budget and concerns. She was also very patient to address all the questions to ensure we have adequate understanding of our plans.

Regards,
Evelyn Chye

Jarine Wong, Designer.

Hi Everyone,

Personally, I have known Vivian for more than a decade. I've always know her as a trusted and passionate individual. However, that aside, she displayed professionalism in the way she delivers the service she provides.

She is well versed with her product knowledge in every aspect. After explaining to her my needs and future plans, she is quick to understand and has helped me to analyse my requirements and provides suitable plans that works within my budget.

I entrust her fully with her recommendations and would not hesitate to recommend her to those who are interested to know more about the products.

Regards,
Jarine Wong

Avid Learner with a Sincere Approach

Hi Everyone,

I know Vivian as a very driven personality, but yet maintains humility to all things.

Vivian always has your needs and concerns in mind, first and foremost. You can count on her to be candid, and be forthcoming on her view of things.

Insurance is not an easy industry to thrive in. But Vivian’s motivations to do so are in the right place. It is never about the sale, but about what the products can do to ease somebody’s blind spots and looking at insurance for what it is meant for: to protect against unexpected events and having them the financial tools to restore order.

I wish Vivian well in her future endeavours and continue to render service to her clients with the correct attitude. Her motivation to do more for people extends to reading books, and enriching her life perspectives too as a result.

Regards,
Lee Keng Leong, Deputy Director of Agency of Integrated Care (Singapore)

DISCLAIMER

This is not an official AIA web profile. The views and opinions expressed in this publication are those of the author and do not reflect the official policy or position of AIA Singapore Private Limited (Company Registration No. 201106386R) (AIA), any other agency, organisation, employer or company. Assumptions made in the analysis are not reflective of the position of AIA other than the author.

Vivian Yong

Senior Premier Financial Consultant / MDRT Qualifier

Vivian Yong

Senior Premier Financial Consultant / MDRT Qualifier

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