FYP Group 2 Interview: Data Clustering by Brendaaa Ong

FYP Group 2 Interview: Data Clustering by Brendaaa Ong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h en-us 2020-05-08 06:32:22 UTC 2026-02-15 03:30:09 UTC hello@padlet.com Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559099029 I have started working as a financial adviser since 2016. It has been about 4 years.]]> 2020-05-08 06:33:33 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559099029 Steven (AIA): waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559100967 Over 10 years]]> 2020-05-08 06:35:16 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559100967 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559101353 I have been a financial planner for 10 years, going 11 years soon.]]> 2020-05-08 06:35:35 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559101353 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559101358 It ranges but it is mostly in the late 30s to 40s. However, some of them are also in the 50s and 20s age range.]]> 2020-05-08 06:35:36 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559101358 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559101784 30-50 Years Old.]]> 2020-05-08 06:36:01 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559101784 Tan Lien Ching: https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559103224 Started in August 2017 (about 3 years)]]> 2020-05-08 06:37:22 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559103224 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559103364 20 years old who decides to start doing their retirement planning with me are typically people who understand the benefits of setting aside money for a long term goal. These benefits include longer time horizon to compound their money.]]> 2020-05-08 06:37:28 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559103364 Steven (AIA) dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559103827 I would say 40? For mine. My clients grew so I would say 40,45,35 so 40 is the average. As early as mid 30 and mis 40. ]]> 2020-05-08 06:37:54 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559103827 Tan Lien Ching: https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559104063 Mid 30s - Early 40s (Young Parents)]]> 2020-05-08 06:38:04 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559104063 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559104825 He didn’t. However, he was part of a pilot group of prudential software. Prudential was trying to develop something similar to Goals Mapper, where you key in different events throughout the life of the customer and you can stimulate different events.]]> 2020-05-08 06:38:42 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559104825 Tan Lien Ching: https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559104917 Mid 40s - Early 50s]]> 2020-05-08 06:38:47 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559104917 Steven (AIA) dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559105184 No. I have not heard of any other software that is similar to advent connect.]]> 2020-05-08 06:39:01 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559105184 Tan Lien Ching: https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559105415 Not really but I had a glance of goalmapper but never really use it in-depth]]> 2020-05-08 06:39:10 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559105415 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559110415 Even if my proficiency is at a value of 1 I will still be able to do it.]]> 2020-05-08 06:42:59 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559110415 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559110627 On a scale of 1 to 10, my proficiency in excel is 5. ]]> 2020-05-08 06:43:09 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559110627 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559113234 I have not tried any software similar to Advent Connect.]]> 2020-05-08 06:45:19 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559113234 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559115619 I first attended the course in June 2019. ]]> 2020-05-08 06:47:05 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559115619 Tina Ang dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559115910 Started in 1991(19 years)

]]> 2020-05-08 06:47:22 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559115910 Tina Ang dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559116325 Starting to 45 years old - 60s

]]> 2020-05-08 06:47:40 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559116325 Tina Ang dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559116964 When working in the bank, I did a fair bit of excel.
When in this industry, I have a secretary that does it for me.

]]> 2020-05-08 06:48:13 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559116964 Steven (AIA) waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559117078 I attend his course last July.]]> 2020-05-08 06:48:17 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559117078 Tan Lien Ching melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559117110 I also use policyXchange ]]> 2020-05-08 06:48:19 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559117110 Tina Ang dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559118443 Signed up for the course last year.

]]> 2020-05-08 06:49:24 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559118443 Tan Lien Ching melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559119447 I first attended the course in 2018. I can't remember exactly when but is either mid or end of the year.]]> 2020-05-08 06:50:09 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559119447 Tan Lien Ching melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559121923 I learn the software again from my colleague in mid 2019]]> 2020-05-08 06:51:59 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559121923 Tan Lien Ching melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559122300 To me, it is quite big despite the fact that I know abit of CPF knowledge but through the course it makes me feel that there is many things that I do not know about CPF]]> 2020-05-08 06:52:17 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559122300 Steven (AIA) waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559122722 It depends on ones competency with it, excel, but the design excel itself has been quite user-friendly.]]> 2020-05-08 06:52:35 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559122722 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559123433 It was not hard for me to understand how to use Advent Connect's software as Albert has a course that teaches us how to use the software. ]]> 2020-05-08 06:53:11 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559123433 Tan Lien Ching melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559123488 In my opinion, those who know excel or have deep understanding of CPF will be easier to understand]]> 2020-05-08 06:53:14 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559123488 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559124623 I have been using the software since I have first attended the course by Advent Connect in 2018 because the software comes along with the course. However, I do not use it for every customer.]]> 2020-05-08 06:54:13 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559124623 Tan Lien Ching melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559125145 After the course, I gave up using the software as I did not know where and what to key in]]> 2020-05-08 06:54:39 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559125145 Tina Ang dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559125415 Not only informative, it is also applicable. It is real.

]]> 2020-05-08 06:54:52 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559125415 Tan Lien Ching melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559125930 I officially started using it in mid 2019 after asking my colleague, who recently went to the course and close many cases, to teach me]]> 2020-05-08 06:55:17 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559125930 Tina Ang dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559126017 Signed up for the course last year.

]]> 2020-05-08 06:55:22 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559126017 Tan Lien Ching melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559126375 Beginner level. I only know how to use the basic formula.]]> 2020-05-08 06:55:37 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559126375 Steven (AIA) waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559126582 Attended since last July and ever since then been using it.]]> 2020-05-08 06:55:46 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559126582 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559126681 I first attended the course in 2018.]]> 2020-05-08 06:55:50 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559126681 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559128275 I once tried to do a manual calculation and compared it with the data that the software has produced and the result was very very close.]]> 2020-05-08 06:57:06 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559128275 Tina Ang dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559128621 Use it on my laptop]]> 2020-05-08 06:57:23 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559128621 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559129748 June 2019]]> 2020-05-08 06:58:20 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559129748 Tina Ang dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559130230 Working in the bank before in this industry

]]> 2020-05-08 06:58:43 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559130230 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559134133 iPad.]]> 2020-05-08 07:01:41 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559134133 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559134586 Before joining the financial planning industry, I first studied in polytechnic for 5 years because I repeated year 1 sem 1 twice.]]> 2020-05-08 07:02:02 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559134586 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559135368 It wasn't difficult to pick it up.]]> 2020-05-08 07:02:41 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559135368 Steven (AIA) waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559137212

I believe if you attend the course and the tool presented is a new tool, and it clearly gives a better illustration, then I should make full use the course and the materials that is given to us and try to use it to see if works or not.

]]> 2020-05-08 07:04:13 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559137212 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559137614 I do use a financial calculator and it is app-based. ]]> 2020-05-08 07:04:35 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559137614 Tina Ang dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559140324 AIA tools (I-resource) are simple tools but not as detailed as Advent
The retirement tools are just information only, no comprehensive numbers. I can use both tools to complement each other

]]> 2020-05-08 07:06:52 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559140324 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559140691 R19 V7 , I'm not sure if this is the latest version but this is how I interpret it (2019 Version 7).]]> 2020-05-08 07:07:12 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559140691 Tina Ang dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559141644 Using the old version and have not updated yet.

]]> 2020-05-08 07:07:58 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559141644 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559142591 I recently bought the latest version of the Advent Connect's software (2020 Version 1). However, before this, I was using the 2018 version.]]> 2020-05-08 07:08:48 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559142591 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559143812 I usually use iPad together with traditional Pen and Paper.]]> 2020-05-08 07:09:49 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559143812 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559144764 I then came across financial planning and went on to join Great Eastern because I am able to control everything from time planning, when I work, how I work, etc.]]> 2020-05-08 07:10:31 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559144764 Tan Lien Ching melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559144884 This is because I saw my colleagues starting closing many sales after going for the course. And I find it stupid not using the software since I already have it]]> 2020-05-08 07:10:36 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559144884 Tina Ang dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559145369 I first tried it out at home to see how the number work. Couldn't comprehend the numbers. ]]> 2020-05-08 07:11:00 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559145369 Steven (AIA) waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559146038 For me would be ipad, because our AIA very own platform where we have own app, resources and our e-application is all in IPAD. ]]> 2020-05-08 07:11:30 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559146038 Tan Lien Ching melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559147318 Both Ipad and Laptop. But I use it on Ipad more frequently]]> 2020-05-08 07:12:31 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559147318 Tan Lien Ching melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559149394 The version that she attended the course in 2018 but I recently did ask Albert for the latest software]]> 2020-05-08 07:14:05 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559149394 Nicholas Cheang yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559149507 UPlan is another software made by Better Trade-Off (BTO). ]]> 2020-05-08 07:14:11 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559149507 Steven (AIA) waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559150243 I use AIA own proprietary software which have a i-resoruces, retirement calculator and those are individual time value of money kind of calculator, and it allows you to key in existing arrangement ]]> 2020-05-08 07:14:44 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559150243 Tan Lien Ching melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559150576 Very complicated. Does not know how does it work]]> 2020-05-08 07:14:59 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559150576 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559151225 The financial planning industry provides higher pay and more flexibility. However, it was a second choice because my original career plan of becoming a pilot did not work out for me.]]> 2020-05-08 07:15:27 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559151225 Tina Ang dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559152262 When working in the bank, i feel that someday i will be too old and expensive in the industry

]]> 2020-05-08 07:16:14 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559152262 Steven (AIA) waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559153013 The one from last July when I attended the course]]> 2020-05-08 07:16:48 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559153013 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559153129 Very good. ]]> 2020-05-08 07:16:54 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559153129 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559153786 There's this function in the Great Eastern software where a stress test can be conducted.]]> 2020-05-08 07:17:25 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559153786 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559155026 While I was in the army, I was thinking of which career to join and it was a choice between 3 different careers: Insurance, Car Sales, and Property. ]]> 2020-05-08 07:18:19 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559155026 Steven (AIA) waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559155754 I had a hard time at the beginning to understand the software. ]]> 2020-05-08 07:18:54 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559155754 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559156609 I have also heard of GoalsMapper. However, I have not seen how it works but I do know a little bit about it.]]> 2020-05-08 07:19:31 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559156609 Tina Ang dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559156660 When she present the case, she understand how the numbers are derived.]]> 2020-05-08 07:19:34 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559156660 Tina Ang dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559158340 To see how much I want to give my client for retirement. I have to play around with the numbers.

]]> 2020-05-08 07:20:49 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559158340 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559159045 There’s a lot of conditions that you need to understand, how it flows from account to account. The software is able to account for all of that. ]]> 2020-05-08 07:21:18 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559159045 Steven (AIA) waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559162088 By accident, I wanted to do sales, I saw my friends doing sales, selling equipment and I thought it was quite fun. I basically am a outgoing person, and I wanted to do sales, my current boss hook me up ]]> 2020-05-08 07:23:31 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559162088 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559164204 Generally, when we meet a client, the whole process will be done over a couple of meetings - normally 1 to 3, before a deal will be closed.]]> 2020-05-08 07:24:46 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559164204 Tina Ang dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559165097 I need to have all the 3 accounts information to put inside the spreadsheet and i also need to know whether is CPF used for housing. Before next presentation, know whether clients have any other savings policies and then put inside the “INPUT” Will not talk about how much cash they have in the bank. Let them see how long their CPF life can last
Let them see their own problemwhich means they will be more interested to purchase a policy and close a deal]]> 2020-05-08 07:25:22 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559165097 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559165504 It wasn't difficult to pick up at all.]]> 2020-05-08 07:25:40 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559165504 Steven (AIA) waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559166729 Familiar and easy to use.]]> 2020-05-08 07:26:33 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/559166729 Tan Lien Ching melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/561071047 The experience is good after knowing how to use. It makes me feels more professional in front of my clients.]]> 2020-05-09 06:30:07 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/561071047 Tan Lien Ching melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/561078923 This is because I can reap what I sow. Thus if the harder I work, the more money i earn. ]]> 2020-05-09 06:45:40 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/561078923 Tan Lien Ching melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/561081158 Make it into a software. This is because app is easier to use as compared to website]]> 2020-05-09 06:49:25 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/561081158 Tan Lien Ching melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/561083222 Getting information from clients.
Also, having very limited infographics that can be used to explain to customers]]> 2020-05-09 06:53:18 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/561083222 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/562569597 30 Years Old]]> 2020-05-10 12:13:40 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/562569597 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/562580052 Identifying what they really want. Because they can tell you all sorts of things but sometimes, what they tell you may not be what they really want or need.]]> 2020-05-10 12:21:52 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/562580052 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/562583332 It is even more straightforward than when I first started to use it.]]> 2020-05-10 12:24:12 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/562583332 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/562584310 I am able to better illustrate the shortfalls to the client better as well as their year-to-year financial needs.]]> 2020-05-10 12:24:55 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/562584310 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/562597400 There isn't a tedious process in the software now. There used to be a tediousness in the older version where the columns are too much and too messy but the newer version has removed it.]]> 2020-05-10 12:34:33 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/562597400 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/562601893 This software is too technical, too much number.]]> 2020-05-10 12:37:53 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/562601893 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/562605221 The most important information is what kind of retirement they would want to have.]]> 2020-05-10 12:40:10 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/562605221 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/562605977 So how I present it is that assuming that they want to live a simple lifestyle, they will need to tell us what kind of simple lifestyle they are looking for. They need to illustrate and give examples.]]> 2020-05-10 12:40:43 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/562605977 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/562606677 The life insurance portfolio is redundant to me.]]> 2020-05-10 12:41:17 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/562606677 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/562607131 It is decent, it is fine. No improvement needed.]]> 2020-05-10 12:41:36 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/562607131 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/562607950 Ideally, have both numerical and graphical data.]]> 2020-05-10 12:42:14 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/562607950 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/562608853 There are too many numbers. This is also a downside of the software. ]]> 2020-05-10 12:42:52 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/562608853 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/562609195 The main information that is required in the CPF is the SA and the MA. On top of that, we also need housing loans and the various deductions. Generally, these few are very easy to obtain. ]]> 2020-05-10 12:43:07 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/562609195 Tina Ang dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563069238 Most of the time I can close a deal with the software]]> 2020-05-10 17:17:28 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563069238 Tina Ang dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563076670 Right now nothing because I'm familiar with the software]]> 2020-05-10 17:21:33 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563076670 Tina Ang dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563077679 Too many columns

]]> 2020-05-10 17:22:08 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563077679 Tina Ang dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563078044 The 3 numbers, and their current investment and arrangement]]> 2020-05-10 17:22:23 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563078044 Tina Ang dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563079541 The graphs. Graphs more applicable to young people. For my age group we don’t really care about graph

]]> 2020-05-10 17:23:21 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563079541 Tina Ang dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563080514 For the time being, it meets my needs. Don’t need too much graphics.]]> 2020-05-10 17:23:40 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563080514 Tina Ang dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563081570 Numerical.

People will see the numbers and it is easier to understand.

]]> 2020-05-10 17:24:19 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563081570 Tina Ang dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563083469 Most of the time yes. I don't really show the graph. I just present their CPF and how their CPF grown and how I input the current proposal and also the cash flow]]> 2020-05-10 17:25:07 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563083469 Tina Ang dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563085862 No difficulties. Clients just need to give me their latest CPF number because some people feel CPF numbers are very sensitive. If they are willing to give me the numbers, it shows that 80% of the time they are willing to work with me.

]]> 2020-05-10 17:26:04 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563085862 Steven (AIA) waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563622909 Of course is to use the excel to highlight what retirement is like with cpf alone, and then to identifying the shortfall with cpf alone and also to include existing arrangement, like rental insurance and to see how this improve with existing arrangement, and if there’s a gap, I will introduce a solution close up the gap.]]> 2020-05-11 00:36:01 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563622909 Steven (AIA) waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563624029 Let me think ah. Maybe I’m not familiar, because my client average age is 40 a, so I’m always using the cashflow page before 65 so I’m not sure about the cashflow is after 65, so that one. ]]> 2020-05-11 00:37:04 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563624029 Steven (AIA) waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563624718 One of my earliest clients, my very good client, teacher with 17-18 years exp with overseas family school., she admitted that she is a spendthrift herself, and she feels that cpf alone cannot address her retirement alone. All I need was 3 balances from her to show her how much she has when she retires and she wants to know the projected figure, and she got a shock because she don't have enough and she says that she is a spender and not a saver, and she has been saving 1k aggressively to contribute for her retirement ]]> 2020-05-11 00:37:45 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563624718 Steven (AIA) waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563626590 You can get your hands on, and you practice the use of it frequent enough and u use it to your advantage and lets you highlighting certain points for this persons situation, whether in a graphic form or cash flow form. It gives a very alarming statement and oh shit I better do something about it and the tool basically for me to emphasize the shortfall better]]> 2020-05-11 00:39:47 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563626590 Steven (AIA) waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563627661 The data input, its requires a lot of manual input, the more my client wants to take into consideration and the more we need to input, make it more hassle free.]]> 2020-05-11 00:41:00 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563627661 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563628152 Firstly, I send to a client saying recently I attended a course on the topic of CPF Planning and I would like (is my existing client, I have done protection planning, hospitalization, life insurance, etc - I identify the certain client that can go next step of the retirement planning): This course can help them forecast his CPF by the time of certain age, how much money they need. ]]> 2020-05-11 00:41:36 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563628152 Steven (AIA) waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563631788 Actually, I feel that its quite friendly leh, I didn’t see any pain point for now. Its very encompassing, its very detail. Maybe more graphics as if its in the app, pictures speaks a thousand words, and it can illustrate better]]> 2020-05-11 00:45:23 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563631788 Steven (AIA) waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563632856 The most info, the cashflow before cpf alone and with existing arrangement and with proposed solution, and if I understand the graph better and it can improve and easily understood o help the client see better and to close the case ]]> 2020-05-11 00:45:53 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563632856 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563638240 Another one is after he punches in the number, shows the shortfall (normally there is more shortfall than no shortfall because many people are not saving enough), and then recommend the product accordingly. ]]> 2020-05-11 00:51:33 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563638240 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563638594 The software helps to give clients greater clarity and certainty on the topic of CPF and it helps the customer to appreciate it a lot.]]> 2020-05-11 00:51:56 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563638594 Steven (AIA) waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563638861 If I don’t use them then I don’t know if its redundant, for me, I only use a few of the tabs and if you ask me how do I measure redundant, those that I don’t use then its redundant lor. ]]> 2020-05-11 00:52:15 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563638861 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563638903 No, don't have. (when we asked him what was the most tedious process of the software)]]> 2020-05-11 00:52:19 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563638903 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563639585 It definitely can improve but there isn’t really a point in improving it because the engine is still the same.]]> 2020-05-11 00:53:06 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563639585 Steven (AIA) waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563639778 More graphs and infographics.]]> 2020-05-11 00:53:22 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563639778 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563640384 They understood it and were satisfied with it as he walked through the report with them]]> 2020-05-11 00:54:03 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563640384 Steven (AIA) waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563640552 Yes they are able to clearly see the report. Able to see a clear summary. How much they are looking at and how much they have set aside for the retirement sum and how much they can withdraw.]]> 2020-05-11 00:54:14 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563640552 Tan Lien Ching melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563641083 28]]> 2020-05-11 00:54:52 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563641083 Tina Ang dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563641309 I will selectively choose clients and then prepare the documents as I don’t want to waste time. I will only generate the report if I know the client has the money.]]> 2020-05-11 00:55:08 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563641309 Steven (AIA) waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563641384 It’s about the relationship and also how convincing you are to provide you the info like income statement and if you’re not very comfortable then you only need to ask for 3 balances.]]> 2020-05-11 00:55:13 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563641384 Tan Lien Ching melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563643018 I had a mid 50 lady client working in the IT department of a bank that was an orphan (her agent left Prudential) . She recently bought a saving plan from UOB that has a high interest without knowing the actual details of the plan. Thus, when she meets me she felt that she has nothing to buy and is too late to do anything for retirement. Therefore, during the meetup she was not very interested in whatever I said till I explained to her about her situation with the help of Advent Connect's software. This made the lady learn about retirement planning and is interested to do something for her retirement. As a result, we arranged for a second meet up. However, on the day of the second meet up, her car broke down. Thus, she called me and told me that she is unable to come and meet me. But, I told her that I have already brought all her policies and my laptop out. As a result, the client went down to Vivo City to meet me.]]> 2020-05-11 00:56:54 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563643018 Tina Ang dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563643379 61]]> 2020-05-11 00:57:19 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563643379 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563643483 On the iPad, there is a financial calculator app. I use it to calculate the time value of money as well as all the compounding interest.]]> 2020-05-11 00:57:26 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563643483 Steven (AIA) waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563643601 Its not because of the software, I don’t want to put the blame on the software. we can close deals without a tool, we use the tool to help illustrate, so its not the tools fault, maybe the client is just not convinced. ]]> 2020-05-11 00:57:35 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563643601 Tina Ang dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563643950 Signed up for the course last year. ]]> 2020-05-11 00:57:56 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563643950 Tan Lien Ching melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563648639 At the start learning how to use the software]]> 2020-05-11 01:02:50 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563648639 Tan Lien Ching melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563648918 The interface of the software]]> 2020-05-11 01:03:10 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563648918 Tan Lien Ching melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563649150 Generating the reports]]> 2020-05-11 01:03:26 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563649150 Tan Lien Ching melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563649358 The page regarding the existing portfolio. ]]> 2020-05-11 01:03:39 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563649358 Tan Lien Ching melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563649912 Can add in more visuals so that can understand better]]> 2020-05-11 01:04:12 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563649912 Tan Lien Ching melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563651011 First few tabs ]]> 2020-05-11 01:05:09 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563651011 Tan Lien Ching melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563651682 Visuals]]> 2020-05-11 01:05:54 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563651682 Steven (AIA) waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563657417 Skipped]]> 2020-05-11 01:12:33 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563657417 Steven (AIA) waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563659874 I use excel pretty often to provide an update of fund prices]]> 2020-05-11 01:15:32 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563659874 Steven (AIA) waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563661801 I was engineering from Singapore Polytechnic, diploma in electronic. After army, I joined a manufacturing company, in the pcb environment, as a engineering assistant, and then after I joined AIA]]> 2020-05-11 01:17:43 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563661801 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563672844 I chose insurance because the start-up cost to join the industry is the lowest. ]]> 2020-05-11 01:30:59 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563672844 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563673207 My idea to join the car sales industry died very fast because the progression in that industry is very stagnant.

]]> 2020-05-11 01:31:27 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563673207 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563673686 Before I came into the world of financial planning, I knew nothing at all about excel.]]> 2020-05-11 01:31:52 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563673686 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563673839 In the property industry, the start-up cost is very high and a lot of money is needed to be spent on advertising, viewings, etc. ]]> 2020-05-11 01:32:03 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563673839 Tan Lien Ching melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563673973 Can be further improved]]> 2020-05-11 01:32:12 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563673973 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563674186 However, now I am better at it because I will try to configure the excel spreadsheet myself.]]> 2020-05-11 01:32:29 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563674186 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563674287 As a result, I joined the insurance industry because of the low startup cost.

]]> 2020-05-11 01:32:38 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563674287 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563674379 The running cost is very low as well. (for insurance industry)

]]> 2020-05-11 01:32:45 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563674379 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563674613 Currently, from 1-10, my excel ability is on a 5.]]> 2020-05-11 01:33:01 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563674613 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563674945 However, given my excel proficiency, it doesn't matter whether I knew how to use excel, because the software is too straightforward. Everything is about inputting the value, copying the values into the excel sheet, and all the numbers required I already know them instinctively.]]> 2020-05-11 01:33:26 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563674945 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563675014 In the insurance industry, you get more satisfaction as the money comes in faster. ]]> 2020-05-11 01:33:31 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563675014 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563675935 Also, you are able to help the client better plan their finances. ]]> 2020-05-11 01:34:40 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563675935 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563676024 It is true that from the work that I do, I can see that I am able to help them in terms of their darkest moment such as the bills, or when the client passes away, I will be able to help his family. ]]> 2020-05-11 01:34:47 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563676024 Eric Seah melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563676114 Very steep because it is heavily on excel]]> 2020-05-11 01:34:54 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563676114 Eric Seah melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563676377 Goalmapper]]> 2020-05-11 01:35:12 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563676377 Eric Seah melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563676455 Financial Perspective]]> 2020-05-11 01:35:18 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563676455 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563676471 Originally, I was from Singapore Polytechnic studying mechanical engineering.]]> 2020-05-11 01:35:19 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563676471 Eric Seah melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563676682 2 years ago]]> 2020-05-11 01:35:34 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563676682 Eric Seah melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563676762 Laptop]]> 2020-05-11 01:35:40 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563676762 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563676763 I originally wanted to be a pilot so I studied that.]]> 2020-05-11 01:35:40 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563676763 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563677102 After I graduated, I went on to study aircraft engineering in University.]]> 2020-05-11 01:36:03 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563677102 Chee Sia Jiant dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563677175 There is no need for softwares to come in. It can be obtained with just a bit of casual conversation. As a financial consultant, they will let the client know that they can be upfront about everything and it will be kept confidential because from a planner perspective, the more information they have the better they can generate out the portfolio for the client. ]]> 2020-05-11 01:36:08 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563677175 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563677271 I know how to do things such as auto sum, drag, click, and copy. ]]> 2020-05-11 01:36:15 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563677271 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563677513 I got an interview to be a pilot but I failed in the last round. I also tried applying to the Air Force where I passed everything but failed the medical checkup.]]> 2020-05-11 01:36:33 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563677513 Eric Seah melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563677590 Jan 2020]]> 2020-05-11 01:36:38 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563677590 Eric Seah melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563677713 40-50]]> 2020-05-11 01:36:46 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563677713 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563677729 However, I do not know how to do macro things.

]]> 2020-05-11 01:36:47 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563677729 Eric Seah melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563677991 Very in-dept retirement planning software]]> 2020-05-11 01:37:05 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563677991 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563678263 I wanted something more flexible that gives higher income while at the same time, is not confined to corporate hierarchy while working for someone I dislike.]]> 2020-05-11 01:37:23 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563678263 Eric Seah melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563678353 Be more comprehensive ]]> 2020-05-11 01:37:29 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563678353 Chee Sia Jiant dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563678733 There aren’t any difficulties in obtaining this information. If they are face to face they can just ask.]]> 2020-05-11 01:37:57 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563678733 Chee Sia Jiant dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563679376 The client is unable to process the information as the numbers overwhelm them. ]]> 2020-05-11 01:38:41 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563679376 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563679525 When I first attended the course, I understand what Albert said but I did not put it into practice. ]]> 2020-05-11 01:38:50 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563679525 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563680070 It is probably due to resistance to change and uncertainty on how to do it. ]]> 2020-05-11 01:39:29 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563680070 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563680180 Subsequently, I attended a refresher course as my colleague's sales improved tremendously after using the software.]]> 2020-05-11 01:39:36 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563680180 Steven (AIA) waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563680277 The more u use it the easier it will be. ]]> 2020-05-11 01:39:43 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563680277 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563680284 This is when things gets very different because after attending the refreshing.]]> 2020-05-11 01:39:43 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563680284 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563680303 I got a very renewed understanding of how the course worked and then I told myself that I would give it my best shot and put it into practice by practicing with my existing clients]]> 2020-05-11 01:39:44 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563680303 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563680312 Initially, it is because in the past, Great Eastern did not have an iPad software tailored for retirement planning.

]]> 2020-05-11 01:39:46 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563680312 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563680980 So, by using Advent Connect's software, it helps to calculate retirement planning on my laptop much faster.]]> 2020-05-11 01:40:15 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563680980 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563681366 However, now, the primary reason I use it is because the software gives a linkage to the CPF - which is a very basic financial planning tool that the government has set up for all Singaporeans and PR, and this is the basis of financial planning which you must take into account when you plan for retirement.]]> 2020-05-11 01:40:47 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563681366 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563682010 The software is actually not hard to understand as it doesn't require advanced skills in order to use it because all you need to do is to input the data and the report comes out. ]]> 2020-05-11 01:41:35 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563682010 Chee Sia Jiant dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563682219 If there is a graph to input all of these numerical values, it would be really good. Currently, there is a new graph (if I am not wrong) that I have and I feel that it is a very good addition as the client can straightaway see what is their shortfall from the graph. ]]> 2020-05-11 01:41:50 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563682219 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563682498 The software gives me an illustration after I inject the CPF figure, income value, etc.]]> 2020-05-11 01:42:09 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563682498 Chee Sia Jiant dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563682941 if there is a solution where they can show when they will be in a negative graphically, it would be good as well.]]> 2020-05-11 01:42:41 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563682941 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563683091 From there, the software will automatically calculate everything for me. The data produced is extremely accurate.]]> 2020-05-11 01:42:52 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563683091 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563683912 From there, I can use the illustration to show them how much they will receive once the client reaches 50-60+, how much they will have every year, etc. Just by keying in a few numbers, everything can be seen.]]> 2020-05-11 01:43:55 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563683912 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563684171 Although I must say that the software is very technical and very numerical. In fact, one of the spreadsheets is full of numbers.]]> 2020-05-11 01:44:16 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563684171 Chee Sia Jiant dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563684361 f there is too much data, I can shift the client’s focus into the more graphical aspect of a software to conduct a more visual type of presentation.]]> 2020-05-11 01:44:29 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563684361 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563684872 There's a future value calculator, investment projection, etc. ]]> 2020-05-11 01:45:09 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563684872 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563685027 It is about how you understand the values and how you relate it to the client.]]> 2020-05-11 01:45:17 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563685027 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563685225 Instead of a numerical number as what we can see in Advent Connect's software, Great Eastern's stress test shows things like insurance planning, investment planning, etc., and uses them to show you for instance, at one point in your life where you will face great stress. ]]> 2020-05-11 01:45:31 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563685225 Chee Sia Jiant dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563685307 If the person is very technical, I can also show all the in-and-outs of the data.]]> 2020-05-11 01:45:39 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563685307 Chee Sia Jiant dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563685451 The best is to have a software that fits everyone. ]]> 2020-05-11 01:45:51 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563685451 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563685539 For example, it could be a major red day in your investment portfolio, and it will present what will happen to you during that period of time via a life storyboard cum graphical way.]]> 2020-05-11 01:45:56 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563685539 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563685633 It is all inside my iPad.]]> 2020-05-11 01:46:03 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563685633 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563686004 The latest version they basically upgraded it to ask you to key in all the required information in 1 page and then you are pretty much done. I only got the newest version for about 2 weeks. It is now more straightforward to use.]]> 2020-05-11 01:46:31 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563686004 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563686519 The course I have attended with Advent Connect is basically about learning how to use the software.]]> 2020-05-11 01:47:02 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563686519 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563686858 However, the key thing about knowing how to use the software is simply just to know where to pluck in the numbers.]]> 2020-05-11 01:47:28 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563686858 Chee Sia Jiant dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563686939 but I will still complement it with the one from my company.]]> 2020-05-11 01:47:35 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563686939 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563687205 The identifying portion of knowing how to retrieve those numbers has already been drilled into us when we first started working in Great Eastern as well as during the course with Advent Connect.]]> 2020-05-11 01:47:53 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563687205 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563687305 Very simple to use. ]]> 2020-05-11 01:48:02 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563687305 Nicholas Cheang dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563687371 Should focus on improving the software, not the interface.]]> 2020-05-11 01:48:07 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563687371 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563687393 Simple yet very powerful. ]]> 2020-05-11 01:48:08 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563687393 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563687403 Because it is able to give a lot of… CPF is a very very big topic, is a topic that a lot of Singaporean has a lot of misunderstanding about it. ]]> 2020-05-11 01:48:09 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563687403 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563687412 Sometimes even as a practitioner, not all practitioner are 100% sure about it.]]> 2020-05-11 01:48:10 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563687412 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563687608 When everyone first starts work in the company, we will see the CPF every year. It gets to a point where if a client gives you that statement, you can basically uncover a lot of information from there about this client without using much tools.]]> 2020-05-11 01:48:23 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563687608 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563687680 So when I first used the spreadsheet, I was very impressed that it can take into consideration a lot of CPF ruling.]]> 2020-05-11 01:48:29 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563687680 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563687757 There’s a whole lot of information so nobody has a clear picture.

]]> 2020-05-11 01:48:35 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563687757 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563688467 So from there, you can understand what is going through in their life, how much they earn, etc. That’s one key point of the whole course as well.]]> 2020-05-11 01:49:22 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563688467 Steven (AIA) waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563688860 And the other one would be the graph, I’m not good in explaining the graph. I need to spend my time to understand the graph and I think that will help me because the graph can straight away tell whether they have enough or not. So the before and after a graph can greatly help a customer see better, n maybe I hardly use it so I missed a certain points so I hope to have a better understanding to explain the graph.]]> 2020-05-11 01:49:48 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563688860 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563688940 At the same time, how we can use this software to plan for them and show them this is what they have and how much they have received will also be taught by Advent Connect.]]> 2020-05-11 01:49:54 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563688940 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563689585 It can come up with close to 95% accurate projection.]]> 2020-05-11 01:50:46 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563689585 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563690042 However, Great Eastern has a software that is provided for us to use during our job. It complements well with the software provided by Advent Connect.]]> 2020-05-11 01:51:19 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563690042 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563690430 It is an app on the iPad and it is able to show you on a lump sum basis how much you need during your retirement years overall.]]> 2020-05-11 01:51:46 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563690430 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563690815 However, it does not show you how much you require each year. It is important to know what is the year to year figure because it can be invested to generate a return. Thus, I use both software at the same time but I do not prefer one over the other.]]> 2020-05-11 01:52:15 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563690815 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563690871 Even though the excel sheet is very numerical, this is where the financial advisor comes in.]]> 2020-05-11 01:52:20 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563690871 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563691290 It is a financial planning software that is quite similar to the Great Eastern software that I am currently using.]]> 2020-05-11 01:52:50 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563691290 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563691424 This software itself is the beauty in it is it must be guided by the advisor. ]]> 2020-05-11 01:52:56 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563691424 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563691638 There is a lot of graph in it. GoalsMapper software has everything including insurance, investment, etc.]]> 2020-05-11 01:53:08 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563691638 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563691645 Give customers on their own they don’t know what to do one. It is like a doctor’s instrument (stethoscope) ]]> 2020-05-11 01:53:09 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563691645 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563691937 They need OA balance, SA Balance and Medisave balance, and also mortgage liability (pay the mortgage until how old), and also monthly income. ]]> 2020-05-11 01:53:30 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563691937 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563692056 With this I will generate a report, then I will go and meet them and explain to them what the report says. ]]> 2020-05-11 01:53:40 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563692056 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563692082 Then we will talk about CPF life saying it can give monthly payout up till 95 years old from today’s value of 1000 dollars to 1500 dollars.]]> 2020-05-11 01:53:41 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563692082 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563692094 Then how much money can this last you?]]> 2020-05-11 01:53:42 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563692094 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563692108 I also ask question like what is your ideal lifestyle and how much you need to spend?]]> 2020-05-11 01:53:43 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563692108 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563692117 So through this, we can identify the shortfall, know how much we can save.]]> 2020-05-11 01:53:43 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563692117 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563692129 Most people cannot save half of whatever they are earning (6,000 e.g.).]]> 2020-05-11 01:53:44 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563692129 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563693204 During the first meeting, we will get to know the person, what his background is, what his currently doing, what are his goals, what is the kind of lifestyle he is currently having and plans to have in the future, what does he want to achieve, etc. We need to get a bit of his background in order to understand him.]]> 2020-05-11 01:55:00 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563693204 Steven (AIA) waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563693694 And instead of having annuity payment, maybe can ask monthly income how much and what age and I can just key in and don’t need to copy paste]]> 2020-05-11 01:55:25 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563693694 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563693887 We also need to ask questions where they reveal a little bit more of themselves because sometimes the client will only think about retirement but actually, his real need could be insurance or investment.]]> 2020-05-11 01:55:38 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563693887 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563694396 So as financial advisors, what they need to do is to paint a big picture for them, show them that protection comes first followed by accumulation in order to find out what they really need.]]> 2020-05-11 01:56:12 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563694396 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563694830 They also need to let the client be comfortable around them and like them.]]> 2020-05-11 01:56:43 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563694830 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563695119 Once a particular aspect of a client’s need has been established and identified, they will then go on to the presentation of retirement planning, insurance planning, etc, depending on what is their need.]]> 2020-05-11 01:57:06 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563695119 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563695136 Then from there, we can tell what product to recommend.]]> 2020-05-11 01:57:07 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563695136 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563695488 Next, they will illustrate to them what they need. If it is possible, they will propose the deal on the first meeting but usually, it will be on the second meeting because he needs to go home and think about what kind of product will suit him, illustrate everything out, etc.]]> 2020-05-11 01:57:33 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563695488 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563695896 Once he draws the proposal for the deal out, ensuring that it is within his budget, he will show it to the client and request for closing. Usually, the deal will be closed by the second or third appointment.]]> 2020-05-11 01:58:02 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563695896 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563696671 A very real part about financial planning is budget.]]> 2020-05-11 01:59:00 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563696671 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563697052 For example, there is this client that he has met where he is looking into his retirement planning but at the same time, he had requested that he would like to get his insurance settled before getting into retirement planning.]]> 2020-05-11 01:59:29 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563697052 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563697422 It helps let the customer see value in retirement planning.]]> 2020-05-11 01:59:56 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563697422 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563697671 Even the people with the worst IT knowledge are able to find a way to do it]]> 2020-05-11 02:00:13 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563697671 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563698203 Although he says that he wants to look at insurance planning, at the back of his mind, it is all about retirement planning.]]> 2020-05-11 02:00:55 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563698203 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563698420 So we have to be really attentive and listen to them in order to try to catch what they really need.]]> 2020-05-11 02:01:11 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563698420 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563699967 Then teach them to work in steps, the amount that they are comfortable with. ]]> 2020-05-11 02:02:58 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563699967 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563700374 Once I showed it to the client, the client could instantly see how much shortfalls he had. This made him very open to the idea of purchasing products and covering the shortfalls that he is currently facing immediately.]]> 2020-05-11 02:03:12 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563700374 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563700647 Then some say is the cause of the job not secured. Or some say maybe they do not like the plan some may say maybe the issue with the commitment of the budget. ]]> 2020-05-11 02:03:31 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563700647 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563702248 If I were to go through everything, they would lose attention one. So I must simplify it as much as possible.]]> 2020-05-11 02:05:28 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563702248 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563702579 Thus, I end up not using it a lot as I usually just do it in pen and paper format. So instead of iPad and tablet, I will use pen and paper + iPad to present.]]> 2020-05-11 02:05:53 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563702579 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563702871 iPad to do the calculation and then write it down via pen and paper to present it.]]> 2020-05-11 02:06:12 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563702871 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563703527 However, other than that, I can’t think of anything. It all looks fine. The inputting of value is all very straightforward. I don't think that there is anything that he would like to have to be improved.]]> 2020-05-11 02:06:36 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563703527 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563705210 This is because it would determine how much money they generally need.]]> 2020-05-11 02:08:12 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563705210 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563706194 However, this is hard for them as it would require them to have a drastic drop in the current lifestyle that they are having. It is hard for them to do so.]]> 2020-05-11 02:09:22 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563706194 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563706794 It is also hard for them to maintain their current lifestyle but choose to drop their retirement lifestyle. Because their current lifestyle has become a habit for them and it is hard for them to live a worse lifestyle when they have more free time and less work.]]> 2020-05-11 02:10:02 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563706794 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563707515 Thus, the drop or improvement in lifestyle needs to come as a gradual change.]]> 2020-05-11 02:10:42 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563707515 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563707820 So, what I need is to know what kind of lifestyle they want to have in the future so that I can picture the contrast between their current lifestyle and their future lifestyle so that I can plan out how to get them from their current lifestyle to the future lifestyle that they would want to live gradually. If you want a better lifestyle, you need to set aside more money.]]> 2020-05-11 02:11:05 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563707820 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563708497 So for instance, if they just want to have excess money to go shopping once in a while coupled with vacation once a year without financial stress, they are now still working with about 10 to 20 years to accumulate their financials.]]> 2020-05-11 02:11:53 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563708497 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563709003 So to present this information, what he needs to do is that they would need to go down to the numbers and see how much they need at the point of time during retirement.]]> 2020-05-11 02:12:26 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563709003 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563709256 So firstly, they need to determine present value and how much they need; then they need to see what they need to spend money on, such as food, traveling, bills, etc.]]> 2020-05-11 02:12:45 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563709256 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563710497 They set a ballpark figure of how much they need and then add everything up to calculate how much monthly figure they need until their retirement age.]]> 2020-05-11 02:13:59 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563710497 Steven (AIA) waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563710719 I would not say is redundant I think I just dk the strength in using that, but if I know then I use then I won’t be redundant.

Input, cashflow before 55 and I use the input current portfolio, listing down existing arrangement, and the rest I never use. But I wouldn’t say its redundant

]]> 2020-05-11 02:14:17 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563710719 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563711521 Then they will need to see how much CPF they have and see whether all the sum that they have will meet the lifestyle that they want. If it is not enough, then they will address the shortfall.]]> 2020-05-11 02:15:16 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563711521 Steven (AIA) waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563711522 If you are closer with the client, you just need the cpf balances then you can get all the data and you can induce how much income he earns and work back to see whats his basic pay. And if you are able to provide you the cpf statement, and they know that you are careful about the data and shouldn’t be a problem and if not everyone should ask for the start the 3 balances ]]> 2020-05-11 02:15:16 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563711522 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563712393 This is because I have my own life insurance portfolio policy. I use my own template on excel because I am already used to using my own version.]]> 2020-05-11 02:16:22 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563712393 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563712739 All the information that I need to input and need to see already has a template set for it. I am very used to it.]]> 2020-05-11 02:16:47 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563712739 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563714616 I am very comfortable using it and I do not want to change because if I were to change it and use the Advent Connect’s version, I would need to change all of my client portfolio to be stored in the same place and this is very troublesome.]]> 2020-05-11 02:19:00 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563714616 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563715025 But because not every client is doing retirement planning, it is very troublesome to add them inside the life insurance portfolio that is part of the retirement planning software. I cannot stand having information in so many different places as I want to have everything in one place.]]> 2020-05-11 02:19:31 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563715025 Chee Sia Jiant yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563715635 If I change the life insurance portfolio for one person, I have to change for everyone else. Hence, I prefer to incorporate it by complimenting them. ]]> 2020-05-11 02:20:07 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/563715635 INSIGHTS yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574299328 Most of them attended the course between 2018 to 2019]]> 2020-05-15 06:19:09 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574299328 Age yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574310845 2020-05-15 06:30:12 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574310845 Background Info brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574313318 2020-05-15 06:32:31 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574313318 Excel Proficiency yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574315358 2020-05-15 06:34:17 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574315358 INSIGHTS yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574317402 A range of age group.]]> 2020-05-15 06:36:00 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574317402 INSIGHT 2 yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574319154 I chose to join the financial planning industry eventually because of the flexibility I have over my schedule.]]> 2020-05-15 06:37:38 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574319154 Flexibility melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574319367 2020-05-15 06:37:49 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574319367 Tan Lien Ching melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574320824 Able to get promoted easily as compared to other industry]]> 2020-05-15 06:38:59 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574320824 Tan Lien Ching melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574321334 Communicate with more people]]> 2020-05-15 06:39:20 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574321334 Reward varies from actions melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574322467 2020-05-15 06:40:17 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574322467 INSIGHT 1 yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574322625 Not everyone is proficient in using excel. Some are good at it some are bad.]]> 2020-05-15 06:40:24 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574322625 Impactful Software melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574323922 2020-05-15 06:41:27 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574323922 Meaningful Job melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574324673 2020-05-15 06:42:05 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574324673 No. of years for working experience melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574325809 2020-05-15 06:42:54 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574325809 Attended the course in melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574327711 2020-05-15 06:44:37 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574327711 Only started using the software after a second lesson melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574330373 2020-05-15 06:46:34 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574330373 INSIGHT 3 yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574335428 Despite its simplicity design, not everyone is able to understand and use it efficiently.]]> 2020-05-15 06:50:24 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574335428 Software increased sales melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574338020 2020-05-15 06:52:04 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574338020 INSIGHT 2 yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574338082 Despite being in excel, it has relatively simple interface and was designed for simplicity in mind]]> 2020-05-15 06:52:08 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574338082 Learning Curve melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574341024 2020-05-15 06:54:20 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574341024 Other Software brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574342879 2020-05-15 06:55:46 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574342879 Nicholas Cheang yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574346153 Skipped.]]> 2020-05-15 06:58:09 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574346153 Human-oriented person melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574346576 2020-05-15 06:58:25 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574346576 INSIGHTS melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574351134 Needs to have understanding of CPF and prior knowledge of excel. But Mr Seah course will help them at the beginning and at the beginning it might be abit difficult but after awhile, it is not that hard once familarize with the software.]]> 2020-05-15 07:01:33 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574351134 Goalsmapper brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574353911 2020-05-15 07:03:33 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574353911 Started using the software from melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574355551 2020-05-15 07:04:37 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574355551 INSIGHTS yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574355995 Most of them had prior experience relative to the industry they are studying before joining the financial planning industry and after they join, they have not chose to left this job.]]> 2020-05-15 07:04:57 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574355995 Preferred device to use waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574356369 2020-05-15 07:05:14 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574356369 INSIGHT 1 yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574360208 Ipad is the most preferred device followed by laptop and pen and paper.]]> 2020-05-15 07:07:57 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574360208 INSIGHT 2 yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574362536 Laptop is use occasionally to complement the use of ipad. ]]> 2020-05-15 07:09:32 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574362536 AIA Software waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574364949 2020-05-15 07:11:11 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574364949 INSIGHT 1 brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574370322 Goalsmapper is another software that is wellknown amongst financial advisors.
Might be popular due to its graphs and ability to plan for more things, not just retirement]]> 2020-05-15 07:14:46 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574370322 INSIGHT 1 yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574370681 Financial planning usually wasn't their first choice]]> 2020-05-15 07:15:01 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574370681 INSIGHT 3 yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574373089 Another attractive factor of the financial planning industry is that it has a low running cost compared to other industries.]]> 2020-05-15 07:16:28 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574373089 INSIGHT 4 yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574375772 What I originally studied in polytechnic and university had no relation to my job now as a financial planner.]]> 2020-05-15 07:18:10 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574375772 Nicholas Cheang yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574379340 After that I went to the army and once I was fresh out of it, I joined the financial planning industry.]]> 2020-05-15 07:20:28 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574379340 Tan Lien Ching yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574380048 Work in M&D (Government sector) in IT for the first year and the remaining 4 years in HR]]> 2020-05-15 07:20:57 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574380048 Retirement Planning client's age group melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574381774 2020-05-15 07:22:03 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574381774 INSIGHT 2 brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574385137 AIA and Great Eastern has it's own software but it is not as comprehensive as Advent Connect's in terms of retirement planning (e.g yearly cashflow) Hence most financial planners use both to complement one another]]> 2020-05-15 07:24:10 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574385137 Competitive Advantage of Advent Connect's Software waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574388918 2020-05-15 07:26:29 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574388918 INSIGHTS yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574392011 Most of them started using the software after attending the course from 2018 to 2019.]]> 2020-05-15 07:28:12 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574392011 Currently used brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574393244 2020-05-15 07:28:57 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574393244 Version of the software that I am using yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574401440 2020-05-15 07:33:47 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574401440 INSIGHTS yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574409044 Majority still uses the same software as they received when they registered only some upgraded to the latest]]> 2020-05-15 07:38:08 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574409044 INSIGHT 3 yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574423608 It is extremely easy, straightforward, and simple to use, but yet, powerful.]]> 2020-05-15 07:46:13 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574423608 Cons of advent connect waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574427195 2020-05-15 07:48:12 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574427195 INSIGHT 5 yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574428674 The linkage to CPF is extremely smart, useful, powerful, and provide an in-depth analysis.]]> 2020-05-15 07:49:04 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574428674 INSIGHT 1 yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574447411 To be able to understand the data and analysis, there needs to be someone there such as a financial adviser to explain it to you.]]> 2020-05-15 07:59:22 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574447411 INSIGHT 6 yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574453062 It is able to display the shortfalls very clearly.]]> 2020-05-15 08:02:59 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574453062 Eric Seah melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574459292 Only does retirement planning]]> 2020-05-15 08:06:27 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574459292 INSIGHT 3 yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574460641 The software is extremely technical and numerical. It can be quite difficult to have a clear picture of it or to interpret it on your own without any help.]]> 2020-05-15 08:07:14 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574460641 Eric Seah melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574460886 Make it a more comprehensive planning advisory tools]]> 2020-05-15 08:07:22 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574460886 Possible Improvements melissaloh02 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574461256 2020-05-15 08:07:35 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574461256 INSIGHT 4 yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574468291 The calculation is extremely accurate because after verifying it with a manual calculation.]]> 2020-05-15 08:10:49 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574468291 Process of conducting retirement planning yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574471443 2020-05-15 08:12:47 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574471443 As financial advisors, what difficulties do I face? yongkang6618 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574486865 2020-05-15 08:21:24 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574486865 Important information needed from client dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574542841 2020-05-15 08:50:24 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/574542841 Chee Sia Jiant brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/578709465 Advent Connect’s software is good]]> 2020-05-18 01:01:06 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/578709465 INSIGHTS waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/578756022 Want great flexibility of their schedule and also great promotional opportunity]]> 2020-05-18 01:47:39 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/578756022 Nicholas Cheang brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/578758736 If you don't have money, you cannot plan]]> 2020-05-18 01:50:50 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/578758736 INSIGHTS waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/578759037 Average age about 40.
Data range from 30 to 50.]]> 2020-05-18 01:51:10 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/578759037 INSIGHTS brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/578759949 For Chee Sia Jiant: Sometimes the client does not know what he wants. (E.g. retirement or insurance planning)]]> 2020-05-18 01:52:11 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/578759949 INSIGHTS waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/578762112 Difficult to learn and understand the software and have to relearn.]]> 2020-05-18 01:54:27 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/578762112 Motivation to start using the software brendaaaaaong https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/578763475 2020-05-18 01:55:40 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/578763475 INSIGHT 2 dixiao32 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/578765140 It will be beneficial to have graphs. ]]> 2020-05-18 01:57:14 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/578765140 Steven (AIA) waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/578771672 A software is a tool to assist me in closing the sale. A tool only can assist me and the increase in sales depends on the the person who is pitching the deal.]]> 2020-05-18 02:04:43 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/578771672 INSIGHT 2 waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/588418067 Alot of column, look very clustered and messy. lack of illustration and graphics to assist the customer.]]> 2020-05-22 06:52:26 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/588418067 INSIGHT 5 waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/588419460 Very tiring and tedious process of keying in existing policies for customers into the software]]> 2020-05-22 06:54:03 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/588419460 INSIGHT 1 waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/588422879 Very applicable and realistic in forecasting a person retirement fund.]]> 2020-05-22 06:57:44 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/588422879 INSIGHT 2 waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/588423262 Allows customer to grasp on to what the financial planner is presenting through this powerful tool.]]> 2020-05-22 06:58:09 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/588423262 INSIGHT 1 waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/588427749 More graph and visuals would be better in aiding the financial planner to explain simpler and easier for the customer to understand.]]> 2020-05-22 07:02:36 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/588427749 INSIGHT 3 waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/588430045 Better interface of the software. More interactive and easier to use. Look more appealing to the financial planner]]> 2020-05-22 07:04:51 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/588430045 INSIGHT 4 waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/588432175 Make it more than just a retirement planning tool.]]> 2020-05-22 07:06:54 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/588432175 INSIGHTS waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/588444184 Software plays a part but the ultimate responsibility in closing sales lies with the financial planner.]]> 2020-05-22 07:18:37 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/588444184 INSIGHT 4 waihung18 https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/588445077 Might not be able to get a clear view]]> 2020-05-22 07:19:31 UTC https://padlet.com/brendaaaaaong/ywz1othtxuq7z57h/wish/588445077