Rachel Huang Tianhui

Associate Manager

Rachel Huang Tianhui

Associate Manager

I'm a mother of 2 boys, and have been in this industry for about 13 years, through this journey, I have seen how insurance has helped my clients in times of hospitalization and critical illnesses. I believe in post-sales service to ensure that claims are processed and assist in appeals if required.

I love helping individuals clarify insurance and how best to cover their
1. Personal risks like hospitalization, premature death, illness and disability.
2. Asset risks such as motor insurance, fire insurance for home and office, third-party liability, etc
Examples of business like optical shop, hair salon, accessories retail, home renovation, construction maintenance, investment management, software innovation companies.
3) Longevity risks such as retirement and legacy planning

Work should bring a sense of satisfaction each day, which in turn brings you joy, as such I like to work with like-minded individuals so I look forward to value-add to your portfolio in future.

Work
- HSBC Life
Credentials

Newsletters

Articles Worth Sharing

Newsletter Issue 93: Happy Travels

Embark on meaningful journeys with insights to plan memorable vacations, navigate budget travel, and uncover cultural treasures. Whether you’re crafting a family adventure or exploring last-minute deals, these ideas inspire travel that deepens connections, stretches savings, and invites discovery.

As families navigate the challenges of exam season, it's important to foster resilience, support growth, and nurture well-being. These insights explore how to create a balanced, supportive environment for children, helping them thrive academically, emotionally, and financially.

Persistence and perseverance are the cornerstones of personal growth. As we enter the final stretch of the year, these traits become even more essential. Discover ways to harness determination, build resilience, and stay committed to your goals. Even when the journey feels long and challenging, remember—you’re closer than you think. Let’s push through this last lap together.

Navigating the rising cost of living requires strategic planning. This issue provides tips on budgeting, skill development to increase income, and utilising resources to manage money. I hope these strategies help empower you to stretch your money further and maintain financial stability.

Prioritizing our health and immunity is essential, especially with summer holidays and travel on the horizon amid the recent surge in COVID-19 cases. Here are some practical tips, nutritious recipes, and expert advice to keep you safe and ensure healthy and enjoyable summer vacations for you and your loved ones!

As we approach the time of year when scorching temperatures send us seeking refuge indoors, this issue offers essential tips and strategies for managing the heat. Arm yourself with knowledge and discover ways to stay cool, hydrated, and healthy amidst the sweltering heat, ensuring you thrive in your daily life!

Life is a multifaceted journey of growth and transformation. From overcoming setbacks to embracing professional and personal development, this issue contains wisdom on self-forgiveness, career and financial success, and the limitless power of lifelong learning. The process of growth may not always be easy, but it will be worth it. I hope this enriches your life.

Amidst rising costs, aging and retirement planning is becoming a growing concern for many. Yet, more than just ensuring financial readiness, one who is planning to retire also needs to be psychologically prepared for the shifts in lifestyle, routine and everything that comes along with it. In this issue, let's explore expert tips on staying healthy, mentally sharp and financially secure, so we can age gracefully in our golden years.

As we embrace 2024, discover essential insights for a prosperous journey ahead. Explore key financial strategies and economic trends aligning with the Dragon Year's promise of prosperity. Immerse in the cultural vibrancy of the Lunar New Year celebrations. I hope this issue with its blend of wisdom and practical advice equips you to navigate the opportunities and challenges ahead with confidence. Together, let's ride the Dragon!

In this issue, here are some insights on mindful reflection, effective goal-setting, and strategic reviews. I hope this helps you equip yourself for a thriving year ahead with impactful resolutions and fresh perspectives. Let's embark on this journey of growth and renewal together.

Embrace the spirit of the holiday season in this month's issue, where cherished traditions meet thoughtful innovation. From smart savings and healthy feasts to meaningful gifts and cozy stays, our collection of articles offers a reflective journey through holiday warmth. Savour every moment with our handpicked tips and recipes, and let's celebrate the joy and generosity that define this wondrous time of year.

As inflationary pressures continue, affecting both individuals and businesses, it is vital to equip ourselves with effective strategies to navigate this environment. This issue provides pragmatic insights and ideas, guiding us to not only weather these economic challenges but also thrive in the midst of them. I hope this brings us greater financial resilience and empowerment.

In celebration of Children's Day, here is a friendly collection of articles brimming with insights! I hope these writings can guide us in embedding valuable skills, boosting financial literacy, and laying down a roadmap to raising resilient, balanced children. May we empower the upcoming generations, helping them blossom into well-rounded and holistic individuals. Let's cherish the joy of nurturing our future

Making decisions on property is not trivial, as they often have effects on our quality of life in ways that are not just material but also financial and emotional. Regardless of our experience levels in making decisions on our properties and homes, it helps to have an appreciation of what resources are involved, and how we can be resourceful about them. I hope you find the materials in this issue useful.

In today's rapidly ageing society, advance care planning and long-term care planning are emerging as critical considerations for ensuring a comfortable and secure future. As we journey together through the intricate aspects of planning for what lies ahead, it's never too early to make such vital decisions. It's your future; plan it well.

In the delicate balance between awe and envy lies an opportunity for growth. Awe opens our eyes to the beauty and possibilities around us, while envy stirs our desires for improvement. By using awe as a wellspring of inspiration and envy as a catalyst for positive change, we get to harness these emotions to fuel our ambitions, cultivate empathy, and create a brighter future for ourselves and others in various aspects of our lives.

As artificial intelligence (AI) and chatbots like ChatGPT become ever more prevalent, AI’s potential to transform our lives and economy cannot be understated. With the increasing adoption of these technologies, they will not only transform the ways we use or consume information, but they are also poised to play a pivotal role in just about every aspect of our lives, including work, finance, and parenting. In this issue, we explore the nuances of AI and the possibilities it brings to our world.

Whether we are mothers ourselves or simply have someone in our lives who has played a motherly role to us, chances are, our lives have been influenced in profound ways by motherhood. Let's take a moment in this issue to honour, value, and draw lessons from the incredible wisdom of women and mothers who have impacted our worlds.

Necessity is the mother of invention. Throughout history, humans have demonstrated the ability to innovate, solve problems, and create solutions in the midst of crises, resulting in some of humanity's greatest inventions. All it took was resourcefulness, action, and persistence. Through this issue, I hope to provide insights into how we can live life constructively and creatively, regardless of the challenges that we may face today.

As we get back into the groove of work, our most important arsenals have to be our health and brains. After all, these are essential in allowing us to lead a functional and meaningful life. To do that, we need to take care not to fall ill and ensure that we upkeep our physical, mental, and social well-being. Let us explore in this issue the various ways that help us protect and strengthen our overall health.

For many, the festive season is a time of food, celebrations, social interaction, and hype. Coupled with the continuous demands of work and life, such periods can sometimes leave us feeling drained, and some of us may even struggle to get a breather. In this issue, I have put together resources on how we can possibly wind down and benefit from more intentional quiet and less noise.

As the world enters a recession, the upcoming year can pose a challenge for many due to increasing economic uncertainty, and the natural fears surrounding it. In this issue, we look at some trends and possible actions that can help us become more emotionally and financially resilient to not just ride out the challenges, but rise above them. I hope this gives us hope.

We live in three distinct timeframes - the Past, the Present, and the Future. Many times, we tend to live and make decisions based on what gives us immediate gratification, and often to our detriment. Despite not knowing what tomorrow will bring, planning ahead removes uncertainty and provides clarity to our lives. In this issue, I have included articles that I hope will inspire you to take actions that your future self will thank you for.

Many of us lead busy and stressful lives. Even when we may be caught up meeting deadlines, sprinting towards our next goals, or looking after our families, we cannot neglect taking appropriate breaks for our well-being. While it may feel counter-intuitive to do so, sometimes the best thing is simply to step away from the four concrete walls to go for a walk outdoors. It refreshes the mind, body and soul, and is beneficial for our health and creativity. So let's lace up our trainers and walk our stresses away.

In an environment of rising inflation and uncertainties in global geo-political climate, almost no one is spared from the economic consequences of the day. It is therefore more important than ever to be intentional and mindful in how we manage our finances in our daily living. Here, I have put together some resources which you can tap on to help you gain a better insight on how you can be more savvy with your money.

Every one is different, and differences in opinions, interests, backgrounds and personalities tend to come with conflicts. Whether is it our co-workers, friends, family members or even our partners, disputes are not only common, but they're natural and sometimes inevitable. The question is, while such conflicts arise, how do we navigate them? Do we attempt to work through issues amicably with others, or do we allow our egos and emotions to rear its ugly head? Today, we look at practical tips on how we can manage ourselves and relationships in more mature ways.

As humans, the pursuit of change and progress is something that is innate to every one of us. Like it or not, there will always be things in life that we hope could be a little different, a little better in the way that daily situations & events turn out. It could be in the way we think, speak, or the way we handle everything from our finances to our relationships with others. We seek to become better -- and we should. As we strive to continuously exceed our potential, we rise above all previous versions of ourselves and grow stronger. In this issue, we look at some ways in which we can embrace a better self and an even better future.

In life, there are days and moments where everything we do does not feel enough, or face situations that are beyond our control. A common response to such instances is to doubt ourselves and our abilities, and that is a very normal and human thing to do. But the effect of self-doubt can cut both ways: It can either spur us to achieve our goals and thereby boost our confidence levels, or cause us to feel entirely powerless and paralysed. Fortunately, whether we allow it to work for or against us is mostly up to us. In this issue, we will explore the ways in which we can harness self-doubt to build confidence -- one step at a time.

Statistically, most people live till an average age of 80 years. Although this number varies across cultures and nations, we cannot deny that life is still all too fleetingly short. 80 years a lifetime translates to 80 summers and 80 winters - to love, laugh, live, and make the most of our time on this earth. Far too often, when faced with our mortality, we look back at our lives and think of all the things that could have been different. Regret may sometimes be inevitable, but it is still possible to live an unlimited life with the limited time that we have. In this issue, we look at some of the ways we can do so.

For the past years, given the pandemic and restrictions, many of us were forced to re-evaluate how to plan and book trips for holidays, or consider whether we should even be planning for any travel at all. Now, as borders are opening up, we have reached a stage where many of us are ready to start traveling again and make vacation plans once more. The catch, though, is that traveling will likely continue to be complicated as new variants emerge. How then do we plan for travel? In this issue, we explore this matter in more depth.

Life can be unpredictable with obstacles, making it sometimes difficult to stay afloat. Whether it is the loss of a loved one, stress from work, or financial woes, everyone faces challenges and does at some point, struggle with remaining optimistic or hopeful. Nonetheless, it is still important to maintain positivity to keep us going; by finding the good in the bad, and being the light in the darkness. For this issue, let us explore on what being positive means & how we can harness it in ways that truly benefit our lives.

As humans, we have an innate need for connection and approval from others. Often, we make an effort to gain validation and this is natural. Yet, in our world today, this need for others’ approval becomes magnified; as many of us are constantly plugged in on social media, we tend to get caught up in the pursuit of “likes”, “shares”, “follows” & engagement. These can have implications on our mental well-being and happiness. Through this issue, I hope that we can be more aware of the impacts & risks associated with excessive use of social media, and what we can do about it so that we can live out our best lives.

It is a season of feasting, socialising and spending time with our family and friends. Amidst the bustle of festive preparations and joviality, let us not forget to take care of our well-being even as we celebrate this time of wealth, health and happiness. Stay safe, savvy and prosper!

By this time, we would have endured quite a long period of the COVID-19 pandemic and many things have changed. Collectively, we have adapted to new ways of living, working and socializing. While there is no telling of when this pandemic will truly “end”, one thing’s for sure: Life goes on. The best we can do is to continue to look towards the future and live out the best we can. As we head into a new year, here are some predictions and trends we can look forward to.

In times of uncertainty, it’s easy to get overwhelmed. With the COVID-19 outbreak, we are faced with the challenge of adapting life around the virus and navigating intense market volatility. This leaves many of us feeling anxious and even disempowered.

Confucius, the Chinese philosopher, left us with these words to contemplate: The man who asks a question is a fool for a minute: the man who does not ask is a fool for life. As the year winds down, it is time to reflect on some popular and widely - accepted beliefs and misconceptions that we may hold that do not serve us in achieving our goals and desires. Today, we look at debunking some of these misconceptions to expand our thinking and explore new perspectives and horizons.

In meeting the demands of work and every day life, many of us can feel compelled to do all things at once, and may become overwhelmed or less effective as a result. To counter this, it is worth taking a moment to adjust our pace; to give ourselves the space to practice taking one step at a time in the ways we perform our tasks and how we manage our minds & emotions.

As human beings, we are a culmination of our environment, decisions, behaviours and habits. It is worth giving thought to how we live our lives; taking a step back to reflect on some of our own less-than-ideal tendencies and ponder about how we can mitigate or improve upon them. Here are some resources that I hope can help us foster habits and patterns that can create an upward cycle for ourselves over time.

In a world where more of us are increasingly working remotely, the issues of exhaustion, burnout and digital fatigue have become more pronounced in recent times. The implications on mental health and quality of life are real. Here are insights and resources that I hope can help us better understand the nature of the burnout that we may experiencing. More importantly, we can learn to manage, uplift ourselves and also the people around us.

Leadership is the act of guiding a team or individual to achieve a goal through direction and motivation -- and there is a leader in all of us. This issue contains insightful resources and pointers that touch on the various under-talked about but important aspects of leadership. I hope this inspires us to not just exercise good leadership in our daily lives as individuals and organisations, but more importantly, help us get through and thrive even in difficult times.

As our personal lives get increasingly intertwined with our work in this season, it becomes more important than ever to find ways to devote our energies to become more effective & productive as individuals. Here, I'd love to share with you on some resources and powerful ideas on how we can not only become more productive, but also make our work & daily life more meaningful in the process.

What does it mean to lead a good life? The meaning of a good life, or life for that matter, is subjective. But there are some evergreen truths and wisdoms that we can all live by that help us gain the most out of life even through obstacles and challenges. In this issue, I have put together for you a series of insights, tips & advice by some of the best thinkers throughout history on how to live out a good life. I hope these resonate with you.

Dignity is the state or quality of being worthy of honour or respect by virtue of being human, and every person has an intrinsic need to feel valued and needed. Yet, in our world, there is often a gap between the ideals and realities of how dignity is accorded to individuals across age, gender, social statuses and financial positions. In this issue, I'd like to bring attention to the topic of dignity, and the ways which we can protect & honour the dignity of others and ourselves.

Women have long played a huge part in our society and economy. When it comes to uplifting women, the work extends beyond just international women's day or month. In fact, it requires continuous effort from not just leaders, but also every day folks like us to recognise and appreciate the great potential of women in our lives. In this issue, I'd like to share insights on how we can be enablers of women's progress while staying aware of the realities and struggles they may face. I hope this helps us in empowering the women and girls in our midst.

When was the last time you received kindness from somebody? When was the last time you extended an act of kindness to someone else, and to what end? As it turns out, there can be tremendous merits and outcomes in paying forward a kindness received with a good deed to somebody else, especially when done out of gratitude. The concept of "Paying It Forward" is nothing new, but in our world, I believe we could do with more compassion and selflessness as it brings out the best in us.

As we begin a fresh year, it is a good idea to not just evaluate ourselves based on the previous year on how we have been managing our lives, but also to find out ways to become more productive as we move along. In this issue, I'd like to share with you some powerful ideas on productivity and how we can make the best of our resources, time, energy and capabilities. Let's do this!

In the words of Poet Ali in his TED Talk, "Every language we learn is a portal by which we can access another language"; the more we know, the more we can speak. To round off the year, I'd like us to take a moment to learn new concepts, stories and ways of seeking and connecting, which will empower us to adapt to the needs of others & ourselves in the way we relate, love, heal, and see possibilities. I hope this inspires you.

In a year where many of us are affected and perhaps feel powerless over our incomes amidst a pandemic, it is a good time to take stock of our financial health and confront our feelings about them & the way with deal with them. Whether we are young, middle-aged or senior, here are some important principles & practical tips on money management that we can fall back on which can go a long way into helping us optimise our finances and become financially wiser.

All of us would have people around us that we learn from in our lives. And people whom we in turn teach and need to be accountable to at some point - as students, working adults or parents. The better we are at relating and leading others into growth, the better we become as individuals. In this issue, I hope we can draw some lessons and wisdom from these materials that can help us cultivate values and cultures that we want in our lives and lift us up.

As humans, we often like to think we're right, even when we can be wrong at times. Many of us have the unconscious tendency to seek information that support our existing beliefs & disregard or undermine those that do not match ours. But doing so without awareness or questioning can have adverse effects in the way we think, make decisions & live our lives. Today, I'd like to share with you some potential consequences of confirmation bias & what we can do about them.

The world as we know it has changed for good on pretty much every level - from our lifestyles, to habits, to incomes and economy. As we navigate our way and find our place in trying times, it is important to stay grounded and keep the faith as we focus on seeing and creating opportunities, solutions & meaning. While there are no quick fixes in times like these, there's still a space for us to find ways to improve and cope better in our lives. I'd like to share them with you in this issue. Let's keep our heads up in choosing to persist in hope & good thoughts, and I believe we will emerge stronger than before.

As they dedicate their love and lives to their households and make constant sacrifices for their family’s & children’s well-being, mothers never retire. For all these, moms deserve more thoughts besides during Mother’s Day. But should mothers also think about planning their own retirement — financially speaking? In this issue, as we give tributes to all mothers, we would also like to give thoughts to a mother’s financial freedom. Mothers deserve a worry-free retirement as well.

Albert Einstein said, "Compound interest is the eighth wonder of the world. He who understands it earns it. He who doesn't, pays it."

Today's phone in our pocket has 100,000 times the power of the computer that landed man on the moon 50 years ago. Our world is evolving at breakneck speed today. The World Economic Forum projected that more new jobs will be created compared to the ones lost. Uncertainty remains about what these new jobs would be. But the time to change our approach to learning new skills has come. The time is now. The 4th Industrial Revolution has begun.

There are many new things to deal with at this time while we are being isolated from life-as-usual. A new lifestyle, a new future and something that can be quite subtle - a new kind of burnout. It should do us well to be aware about this so we can learn to disengage when we need to. I wish you and your loved ones good health and may you continue to stay safe!

Amidst a pandemic, the profound impact & discomfort of loss or the prospect of loss is felt almost universally. We may find ourselves and even those we care about feeling anxious & restless, which makes it challenging as we find ways to adjust not just physically, but also mentally & emotionally. At this time, emotional support for one another becomes ever more essential. Here, I'd love to share with you insights that can help us have a deeper understanding on the complex emotions that we may be dealing with, & the ways in which we can provide meaningful social support in our daily interactions through being present & holding space for others.

What the eyes cannot see is bringing countries to their knees as we write. The full impact of Covid19 is still unknown. It has ushered in a new reality for the World. Our lives will never be the same again. And Covid19 won't be the last. While we #fightasone, let's see how we can prepare ourselves and our children for this new future - together. Here are some good reads that I believe can help us rethink this new future and its possibilities. If you find these resources useful, please forward them to those you care about, especially at a time such as this. Cheers!

Here's wishing you and yours a very fruitful 2020, and the best is yet to come! Another year, and what better way to start it with a collection of thoughts that might turn out to touch your life for the better? I hope you could find something useful and share along with those you care about too. Cheers for a blessed 2020!

When the going gets rough, it can at times be easy to lose sight of what we set out to attain in our lives, be it in our personal endeavours, work or finances. The process of going & pushing through such situations may not be most comfortable, but persevering and talking about how to handle them is necessary. These are perspectives I found useful and inspiring. I hope this gives you hope.

In many ways, relationships are key to our well-being, as trusting, fulfilling relationships lay the foundation for our emotional health and security. But to work through relationships and trust matters aren't always linear or clean - they can be messy and raw. Here are some articles that I found incredibly valuable that enrich us in our personal and professional lives.

Change is hard. To force change is harder. They usually don't last. Perspectives however, are easier to accept. They change our minds and maybe that's what we need more than change itself. I hope you enjoy these articles.

These are some rather transformative articles that could help you and those you care about. So please be free to share them. I hope you find them beneficial. If you like them, do drop me a note and I'll be very glad to know I've added value and touched someone.

The lack of sleep being linked to chronic illnesses like diabetes and heart disease isn't a happy story. Certainly not for those of us who are more conscious about building happiness in life. Please share this newsletter issue with those you care about. We can impact lives together!

The Bucket List - chances are that you may not have made one. It is an interesting journey that we can take together. It's also a lot easier taking a peep at some of the most inspiring bucket lists that we have put together to share with you. Let's start one and live it out!

Since our taste buds are not working like black and white TVs. We know it's meant for some tasty good food. Yummy! Let's stay healthy, and also up our knowledge about making some nice interesting food. Here are some really good resources curated for you.

There's a man in Singapore, that every time he concludes a business deal, he would go buy a plant and plant it somewhere. It's a simple way of giving back. He was also able to disengage and be with himself while doing something meaningful, albeit how simple it was. In this issue are some more examples of such life's lesson that we can benefit from. All we need, is to just take some time, slow down and breathe in the fresh air.

There are just too many things that we know to be good for us, but have not yet become a part of us. Applying wise financial habits may be one of them. Here are some to learn about by seeing them from the eyes of a very successful woman - Oprah Winfrey. Change requires conscious efforts. I hope some of these thoughts will begin to be a blessing in your life. Cheers.

In case you missed the news, besides the big 3 - US, Russia & China, tiny Singapore would be the next to send a human into Space using a helium Stratospheric balloon capable of lifting an SUV. This is a 5 years arduous journey filled with many inspiring stories. A Visionary who saw the possibilities, followed by 150 applicants to be Singapore's first Astronaut, and finally an extraordinary individual to make the trip, laying his life on the line. Yet his project isn't about Space. It's about creating a better mental model for Singaporeans - that with the heart, mind and grit, we can do great things. Enjoy this historic moment.

Or rather, this issue is about learning the secrets of being interesting. Even calling it a secret is a little too much. In today's world of overwhelming information overload, it's about paying attention to certain things that some people do to make themselves more interesting than others. We can all do better in life with a little dose of this knowledge. So let's dig in!

In this issue, I'd like to do something different. All of the highlights are very interesting videos from TED talks about the way we think. The videos are between 15 to 30 minutes, but they are well worth your time I promise. Hope these resources will help create marginal changes in your life every so often. Let's be enlightened together!

Research seems to point to the fact that those who engages in deeper conversations with others are happier people. This is what I call a happy finding. It levels with what makes us human. We speak, we listen, we feel, we learn, we take and we give. And deeper conversations allow us to lift each other up.

In the last issue, we discussed how robots will change our lives in the future. It has become increasingly important for us to keep our minds on the ball, stay sharp and stay progressive. If half the jobs in 2020 are yet to be known to us, how can we prepare ourselves and our children today? To face a fast changing future, we need to first understand it. We need to try and take a peek into this future and start to embrace change.

We have come to a very unique juncture in time, where we are transitioning into the 4th industrial revolution. This is a time where technology as we know it will start to escalate in its rate of change. Our lives and jobs will surely be impacted. But how? It is time to consider this and take stock of where we might stand now and three to five years later.

From a parent to a child, between friends and professionally in the workplace - there's something special about the role of story telling. And we've a lot to learn from the world's great story tellers. Some of the best are comedians, public speakers and politicians. But there's more. I hope the following articles will help you get started in this interesting journey of learning and exploration.

It's been a while since the subject of Retirement was discussed. In this issue's video, it's quite interesting to see how children have different ideas about Retirement. I'm sure all of us have our ideas as well. Yet life can mercilessly erode these dreams. But not if we are really serious about them. So how serious is your retirement dream?

The future seems to come at us at a faster pace than before. It brings along with it many questions. Will automation take over our jobs? What new jobs will be created? And which existing ones will be obsolete? How can we survive? Yet some things don't change. Understanding the things that will change and those that won't can help us carve out a better future.

Most of us find it hard to change even when we know we need to. If only it's as easy as a walk in the park. But once in a while, a certain change of perspective is all it takes. Hopefully, today can be one of those time for you. We can gain some insights and wisdom from these articles that are worth sharing.

Do we need to get better at time management? Or do we need to instead think about Time itself? More specifically, what it means to us - with the very limited time that we have. The answer would be different for each of us. But I'm rather certain that taking time to ponder about Time itself can be a fruitful thing to do.

The World Health Organization's latest report says diabetes has quadrupled in the past 34 years. It's certainly something that we should care about. Not just for us, but also our loved ones. Here's a starter to help us understand and prevent this disease better.

Health is important, so is a good life and great food! One of the great thing about being in Singapore is that there's always new food places to explore. In this issue, I'd like to bring you to a couple really good yummy places - wrapped up with a hilarious video you don't wanna miss.

Singapore is growing as a cultural center. But why is Art important? And how can Art, in its many forms make our lives better? Deep within all of us, there's a need for expression and appreciation. There's certainly more for us to explore and learn about Art. Do not miss the video below. Oh how beautiful this is ~ a celebration of art and life!

It is always quite refreshing to discover new things about our health. In this case, Vitamin C is one of those surprises. Do watch the video below till the end ~ it could be a life saver. But please seek your doctor's opinion as well.

The more we read, the more we can share. And sharing is caring. Here are a few interesting articles I'd like to share with you in this issue of my newsletter. Remember to pass it along to those whom you care about too.

It isn't the bucket either. One good news is that more people are now surviving cancer. The other good news is that life expectancy has increased from 75 to more than age 80. But hold that thought for a moment - it's only good news if one is financially prepared to survive such a critical challenge.

We may have thought that creativity is a realm belonging to a selected few. But is it? In this issue, we explore together some interesting stories that may strike a chord of inspiration for you. You can be creative too.

Testimonials & Referral Notes

Testimonial

Rachel has been an outstanding financial advisor, always going the extra mile with great attention to detail. Whether offering financial advice or handling insurance issues, she is friendly and supportive. Her dedication includes even accompanying me on trips to manage these matters. Thank you, Rachel, for all your help and support!

Xinling, pharmacist

Testimonial

Rachel was introduced to me by my brother and is a dedicated professional who explains clearly the policies and details. She is also friendly and thinks of what are the options that may be suitable for me. She is someone trustworthy and whom I can rely on for advice. Thanks

Alvin Tan, infrastructure engineer

Meet someone interesting

Rachel Huang is an exceptionally friendly insurance agent who consistently goes above and beyond to ensure I receive the best care and advice for my health. She is always attentive, proactive, and genuinely cares about my well-being. Her dedication and willingness to go the extra mile make her an invaluable support in navigating my health insurance needs.

Crystal, business development executive

Testimonial

Rachel has been handling my family’s insurance for a few years now and at no point in time she has not helped us when we needed her help and expertise. An excellent advisor that puts others first before her, always. Thank you Rachel for all that you have been doing for us

Azri, Civil Service

Testimonial

A wonderful advicer and mum, Rachel has come a long way and I'm glad she is inching closer towards her dream. With her vast experience, she is able to answer all my queries, providing alternatives as well, and I feel safe with her at the helm. Looking forward to you reaching your next milestone and also a red packet next year

Esmond, trader

Testimonial

Have known Rachel for about 9 years. She has always been patient and empathetic in all my interactions with her. Always thinking in the best interests for her clients. Sincere thanks and appreciation from the bottom of my heart.

Christyn, nurse

Testimonial

My brother introduced me to Rachel for financial advice and planning, and I have been consistently impressed with her ability to provide tailored recommendations that align perfectly with my needs and circumstances. Over the past few years, Rachel has been a valuable source of solid advice and has offered products that suit me exceptionally well. I am genuinely thankful and grateful for her continued assistance.

Jing Jing, Singapore Armed Forces

Testimonial

I was introduced to Rachel in 2019. Rachel understands my investment needs and often recommends products that suits me. She checks in with me regularly to understand my situation and cares for my well-being. I am really blessed to know Rachel and grateful to her help all these years.

Toby, Librarian

Testimonial

Assigned by chance after my first agent left, Rachel has been my trusted advisor for 10 years. An understanding and good listener, she always provides me with sound advice based on my profile and needs. Always a pleasure to meet her.

Candy, Teacher

Testimonial

Met Rachel at a networking event at her office and she has been very helpful throughout the event and share we us perks that we have previously which is the cancer cover and have been actively sending us free coverage details. She is constantly checking up on us and meticulous in the details when we ask her. She is very knowledgeable and responds almost instantly and I feel she is a wonderful friend/agent and I would strongly recommend my friends to her 😁

Mervin Sim, influencer

Testimonial

Met Rachel through my colleagues at work. She is an extremely friendly and knowledgeable individual who listens to your needs carefully before offering you a suitable insurance plan. Will definitely recommend her to anyone who is currently looking to buy Insurance!

Abrar, Optometerist

Testimonial

Rachel took over my policy after the agent who handles mine left the company and she gave me a call 2years ago to update me of this when I didn't get a reply from the previous agent.

We met recently over lunch to sign the free cancer policy and we chatted like she is an old friend even though this is the 1st time I meet up with her.

She explained to me again regarding my hospital plan policy other than the free cancer policy, so i find her a sincere and caring person.

I would recommend my friends to her if they want to know of the insurance coverage which they need.

Thank you Rachel 😊

Katrina, housewife

Testimonial

Rachel is very attentive and considerate as she takes time to understand on the current policies that I have on hand. She is never pushy on selling any products and takes into consideration of my timegoals and planning before adding in her own suggestions. She also takes time to explain to me the different products that are not the norms so that if I need such services, she will be there for me.

Adam, Mobile Developer

Testimonial

Rachel has been servicing my insurance portfolio for the past 6 years + .
She is very dedicated & listen to your needs & budget before making any recommendations.
She is never pushy & only recommends policies that fits her client's needs.
She also takes her time to explain the details of any insurance product clearly.
I would recommend Rachel if you are looking for a reliable & trustworthy advisor.

Wenchang, IT specialist

Testimonial

Rachel is not just an advisor. She is also someone whom I can share my financial worries & protection concerns. She always going extra miles to share progesses, review & enhance my insurance planning

Ann Nee, mortgage specialist

Testimonial

Rachel took over my policy after the guy who handles mine left the company. It’s been two years long now. I’m grateful that I met her as she has been very understanding of my situation. We met recently over coffee & build a rapport before anything else. She’s so attentive & very much professional in giving insurance advices which I have little knowledge of. It’s an honour having her as my agent. I would definitely recommend her to anyone who needs a proficient advisor.

Aamirah, IT specialist

Testimonial

Rachel has been an incredible resource for me in navigating the complex insurance policies available. Her professional advice and guidance have been invaluable in helping me make informed decisions whilst meeting my insurance needs. I'm truly grateful for her dedicated service and it has been a delightful experience.

Caryn, Market Researcher

Testimonial

Rachel exudes warmth and affability, easily engaging in delightful conversations that are relatable and enjoyable. What sets her apart is her ability to actively listen, as well as displaying a broadminded disposition that allows her to understand and empathize with her clients.

In addition to exceptional interpersonal skills, Rachel also demonstrates a high level of professionalism in her work. During our interactions, she presented her range of products with finesse, without being pushy or overly assertive. Instead, she curated her recommendations to best-fit individual needs and preferences.

In my opinion, Rachel’s authentic sense of camaraderie and extensive knowledge make her a compelling choice as a Financial Planner. I am confident that her expertise, coupled with her friendly demeanour and professional approach will help her clients achieve their financial goals with minimal hassle

Lam Wai Kit, investment analyst

Testimonial

Thanks Rachel for reaching out to me just when I was trying to make sense out of my policy which I have not received any update in years. Within days, I was able to get hold of the latest status and Rachel took the initiative to travel to my workplace and briefed me in person. Our coffee session was pressure free, it actually felt like I was catching up with a old friend even though it was our first meet-up. I will definitely seek her advice in future should there be gaps which need plugging. Thank you

Sylvester, public servant

Testimonial

Rachel was recommended thru a close friend of mine. I met her with an open heart and she won me over with her expertise which is helpful in building up my portfolio and the best part is she don't hard sell. Rachel is very approachable and I'm glad we can click well too. The best part of her is that she will follow up & keep me update on my policy and I really appreciate her for that.

Linda, operations executive

Testimonial

I have known Rachel for many years, before she became a financial planner, and have always admired her professionalism, tenacity, and optimistic outlook. It is rare to find a FP who is not only capable, but also sincere and takes one’s current needs into consideration when making recommendations (rather than just hard selling). She is someone whom I would be happy to recommend to family or friends who are seeking a caring and responsive adviser.

Adeline, scientist

Testimonial

From classmates in primary school to schoolmates in secondary school, to now a good old friend and financial planner of 11 years - this is how far back Rachel and I go.

Even though we are friends, Rachel never uses that to her advantage and only suggests what she thinks is truly the best for me and my family. She always advises, “It’s okay, you just get what you need.” And indeed, what I need is a non-pushy, understanding and responsive planner like she is.

Glad to have her servicing my entire family and to anyone else who needs such advice.

Esther, senior management

Testimonial

Rachel, I have know her many years and
She is a friendly and hardworking person, she will explain to me when I do not understand for some policy or have some issue with the policy, she will also try her best to reply my message when I receive sms from my policy and she will explain to me also. She will also remember the policy I had as I always forget things of it. I am glad to know and meet Rachel and letting her handle my financial and healthcare policy review.

Gek Mui, administrator

Meet someone interesting

It is a privilege to have conducive office environment facilities to bring my clients for a comprehensive discussion.

As it is a Friday night, we could have chosen alcohol, instead we go for coffee, water, nuts and bread for better health.
Good health enables u to grow and preserve your wealth.

They have gain clarity on their existing policies and how to better plan their protection ahead to achieve financial security and financial freedom.

Maybe our next meeting can include mocktail.

Rachel on behalf of PS and Jason

Testimonial

I have known Rachel for two years. Rachel is earnest and reliable. I feel that I could always approach Rachel when i have quries regarding insurance schemes even if she is not the one managing it. To me, this honest sense of trust that Rachel gives is very important to me. If possible I would purchase any schemes which I feel i require in my life from Rachel and you should do the same too.

Lance, Social Worker

Testimonial

I have had the privilege of working with Rachel for certain insurance product. She is very patience and knowledgeable to cater all my questions and always provided her professional advice in a practical and affordable manner. She is always keep me contactable even though I have not accepted any new proposal. She is honest and trustable agent who can work along with. I would highly recommend her to anyone who is looking for a capable financial adviser.

Catherine, Accountant

Testimonial

Rachel is very patient and helpful towards me. I do not have much knowledge of insurance but she showed me the importance of securing my future with a suitable plan. I am quite surprised that although we do not lnow each other well, she managed to come up with a plan that is very suitable for me, which shows that she has a strong knowledge of financial products and great judgement. She also has a fantastic memory and gives you personalised attention.

Eunice, Accounts Executive

Testimonial

Highly recommend Rachel. She stands out from the other financial planners I have interacted with in the past. She goes all out in providing prompt replies and assistance. She’s also a great listener who offers genuine and tailored advice rather than going through the motions “selling” irrelevant products and services. Most important, someone I can trust.

Joyce, Senior Management

Testimonial

Rachel has been overseeing my policies for few years now. She is approachable, patient, and never pushy. She will only recommend based on my current financial situation. I would highly recommend her to anyone who is looking for a capable financial adviser.

Abhi, software engineer

Testimonial

Rachel is a wonderful friend rather than a agent. She is very thoughful in all ways and will listen to your needs rather than just selling you a product. It is really fun chatting with Rachel and I hope more agents can be like Rachel. Thank you for been a trustworthy friend

Tom, IT Engineer

Testimonial

Rachel is a dedicated professional and very passionate about her line of work. This passion is shown through her determination to find a best fit solution for her clients as evident from my own experience. Her pursuit for the best interest towards her clients needs are what convinced me rely on Rachel for my financial planning.

Eames, Insurance Broker Executive

Testimonial

It is true that every passer-by means something to your life, just whether impactful or not. Meeting Rachel by chance in Raffles Place has helped me to learn more not just about insurance but about maintenance of business relationships. Rachel is persistent (not annoying) with the hope that her clients are adequately protected whether it is insurance or investments. She does not hard sell products I was not interested in but she continues to keep me in check to ensure I get the most out of my insurances albeit that the insurance I bought with her assistance is minimal in value. I would trust her advice even if she does not meet me in person with various brochures.

Belinda, Corporate Legal Counsel

Testimonial

Rachel is a friendly, professional, kind and helpful consultant. She is a responsible insurance planner who never failed to reply to messages. She is patient in explaining concepts and terms.

TANG KIK YEN, QUANTITY SURVEYOR

Testimonial

Rachel is very knowledgeable . She is able to explain the funds she recommends and the underlying assets in it. She is patient in explaining concepts and terms. She is also consistent in giving updates on the performance of the funds. She reviews it and recommends alternatives should there be changes in the market that could affect my holdings.

Rachel has a warm personality. I feel comfortable in sharing my financial and life situations and goals to her. She listens.

Thank you so much for the learnings, your kindness, and all the help, Rachel.

Roma, Credit Risk Analyst

Testimonial

Rachel is a kind and helpful consultant. She is very professional in her work and will always go to the extra mile to get engage with me! She is also very trustworthy as she recommends a plan that is more suitable for me. Will definitely have her as my consultant forever:) Thank you Rachel!

Cindy, HR consultant

Testimonial

A financial planner should be made up of 3 key qualities - responsive, reliable and knowledgeable about their product. Rachel possesses them all.

Rachel is a responsible insurance planner who never failed to reply to text messages and constantly provided updates throughout the insurance application. She is very detailed and would study my situation beforehand and prepare thoroughly before meeting, hence making the whole application very smooth for the customer.

Rachel has the capability to effectively communicate insurance terminology and jargon by explaining in layman terms without being patronising or condescending which is imperative since I do not share the same level of knowledge.

As an old saying goes, if all you have to work with is a hammer, then everything in the world looks like a nail. Rachel was able to offer a comprehensive and reasonable plan that met the needs I had. She was also able to take into consideration my financial well-being and cater the plan to me.

All in all, the whole application was a very pleasant experience and I would recommend Rachel given her well-versed financial knowledge, passion and conscientious delivery in good and sound financial advice for her customers. Thank you Rachel!

Rachel Foo, Vet nurse

Testimonial

Rachel is a very friendly, professional, and experienced consultant. She has been taking care of my policies over the years. She only recommends insurance that had my interest at heart.
It is my pleasure to have her as my consultant.
ありがとうございます, Rachel!

Bryan Soh, Engineer

Testimonial

As an established financial planner, Rachel is able to use the experience that she has amassed over the years to come out with a portfolio that is able to address my needs and gaps in a short matter of time. Through her explanations and consultations, I can see that the portfolio she planned for me was well thought of and also able to provide wholly coverage. Very ethical and professional, will only recommend plans that I need. No regrets entrusting her. Thank you, Rachel!!!

Dylan Fok, Operations Manager

Testimonial

Rachel has been servicing for policies for the past 5 years, she is trustworthy to take care and update my policy info timely. As such, I have entrusted my policies with her and have a peace of mind.

Chew Lin, Accounts Manager

Testimonial

Rachel is very professional, she is patient and friendly, She had not talked about any insurance product when I first met her, she listened to me to understand my profile and concern。 What I liked most is that she explained everything clearly and recommended steps we can take moving forward.

Rachel 非常专业，在交流的过程中也很友好、耐心，第一次的交谈中并没有给我推销任何的保险产品，她很认真的倾听来了解我现在的状况，我最欣赏的是她把所有关键信息都罗列出来，并且解释得非常清楚，还根据我的状况给我一些建议。

Ziheng, User Experience Designer

Testimonial

Rachel has been very professional and explained the details as well as the citing relevant examples to make sure I understand. I like the fact that she places my preference first and recommend solutions that tailors to my needs. I feel assured that if I need any assistance she will be able to help out accordingly.

Angelin, Media Producer

Meet someone interesting

Rachel takes care of my policies and I never need to worry about them. She will give the proper recommendation at the right time, with reasonable budget, making sure that I will not overbudget. She also provides me a summary list of all my policies, I can easily catch up when I forget, this really helps a lot.
Rachel会根据我的经济状况来为我制定policy，确保我不会太负担的同时，享有应该要有的保单。一个有心友善的顾问=)

King Hung, IT Specialist

Testimonial

Rachel seeks to understand the portfolio of her clients before working on the needs and gaps of the clients. She is professional and does not push for unnecessary plans/ items that does not fit the client's current needs.

Mingwei, Biology Teacher

Testimonial

Rachel is friendly, helpful, professional and knowledgeable in the field of insurance as well as financial planning. She works hard to ensure that my queries are always being answered. Through her valuable recommendations, I have been able to take up suitable insurance plans which meet my needs.

I am pleased and delighted to have her service. Thank you, Rachel!

Elaine, Bank Admin

Testimonial

Rachel has been overseeing my policies for over the past 3 years. Never pushy, recommends only what is suitable to my needs. Thumbs up to her professionalism and dedication.
- Colin

Rachel 是一位非常专业和亲切友善的财务顾问。她每次都很详细地为我讲解保单的内容和细节，也非常有耐心地解答我的疑问。非常感谢你的专业，耐心，和亲切友善！:)
- Hui Min

Colin and Huimin

Testimonial

Rachel was recommended by a friend and has been handling my insurance since 2016. She is approachable, patient and sincere. She is always there to answer any questions and clear any doubts I may have. She only recommends things for my needs and situation and is never pushy. I would recommend her to anyone!

Jia Tian, entrepreneur

Testimonial

Was introduced to Rachel by a friend and started investing in 2016/2017. She had been very patient, friendly and communicative while explaining the policies. She is always there whenever I need a referral about the status of my investment. She also helped me out with the insurance requirement for my child. She is responsible, cooperative and always helpful as a financial advisor. Thank you for always being there also as a friend.

Dr Debabrata Biswas, Research Scientist

Testimonial

Rachel has been overseeing my family's policies for almost 3 years now. She is kind and very understanding with our family's situation hence giving us the right advice and answers to our questions. She is also patient and accommodative when it comes to planning physical/ virtual meet-ups. My family and I are comfortable with her sincere approach in helping us to build our needs. Looking forward to having more years with her as our family advisor.

Jannah, Manager

Testimonial

Rachel is very friendly and helpful.
She listed to what I wanted and did not push me to take on more than I needed. Very pleased with her service.

Mei Yee, accountant

Testimonial

Appreciative of Rachel for her efforts and time to explain the new financial initiatives to me. She is friendly and patient. She is a responsible advisor. Look forward to engage with her again.

Florence Ng, Manager

Testimonial

Having Rachel handling my policies for almost 6 years has really helped me financially. She is always available to answer my questions via WhatsApp and have answers at her fingertips. She will remember my situation and needs and put into consideration when she crafts her proposed financial solution, which I deeply appreciate this. Because of her capability, I know that what I am getting. Lastly I would highly recommend her to anyone who is looking for a capable financial adviser.

Jing Heng, SAF

Testimonial

I have known Rachel for more than 8 years and she is one of the best financial planner. I am always fearful of insurance agent who hard sell the most expensive coverage without the interest of your needs.
Rachel has a great and pleasant personality and I was drawn to her in our very first met up in 2013. She is a responsible, experienced and knowledgeable financial planner in her field. She is patient and always give her full attention to listen to my needs and she is interested in my well-being which makes me at ease each time we meet.
I am confident that my financial and health coverage is well taken care by her meticulous and caring personality. She is definitely passionate to provide her expertise for the best interest of her client.

Joanna, Regional Product Manager

Testimonial

I have a few insurance / financial advisors prior to Rachel and she is simply different. She is genuine and often chat with me as a friend, rather as an agent.
She is definitely patient and experienced, she gives me space and time to think through her proposal.
She is readily available to answer our questions via WhatsApp and have answers at her fingertips.
Finally, I would like to recommend her if you want a genuine, responsive and responsible agent and friend too!

Ley San, Financial Controller

Testimonial

Rachel pays close attention to all of those important details about you, more than any other consultant I’ve communicated with. She listens and, most importantly, remembers your situation and your needs. She then takes all of these into consideration when she crafts her proposed financial solution for you. I really appreciate this about her. Because of this exemplary capability, I know that what I am getting from her is what I really need.

Michael, senior product specialist

Testimonial

Rachel is a professional and responsible insurance agent. She is a trustworthy person as well. Never worry of my claims as she is always there to help me keep track. She also always keep me updated on my policies.

Chiu Suen, Nurse

Testimonial

Rachel is quite special because she genuinely cares about her customers as real people. Always helpful, honest, considerate and very knowledgeable in her field. It was a pleasure being her ‘customer’ and we still keep in touch. Highly recommended.

MCDONNELL GERARD MICHAEL, Regional Solutions Director

Testimonial

Rachel has helped me set my protection in place since 2015, she understands my financial situation and customize my portfolio to ensure that I have the adequate coverage. Few years ago, I had a tight cash flow and she helped to manage my portfolio in such a way that got me thru my bad financial situation. After that, she still follow up to ensure that my coverage is back to its original. Rachel has displayed professionalism and dedication to her job. She is patient and very knowledgeable to customise my portfolio and make changes as required, knowing the ever changing economy and financial status. Till now, she still displays the same level of enthusiasm in explaining to me the products that may help me in my financial planning for the future.
In summary, Rachel is;
-professional
-experienced
-knowledgeable
-patient
-approachable
-helpful
-and many more.....

Neo TK, Technical Specialist

Testimonial

Rachel has been handling my insurance and investment portfolio since I’ve started out in the workforce. As a financial services consultant, she has been one of the most trusted and efficient and responsible ones around, someone whom I can rely on anytime for claims, financial planning, status of investment plans. I’ve definitely entrusted my family’s financial planning into her hands, and highly recommend that you will speak with her to make the same decision for yourself!

Zhenle, Consultant

Testimonial

Rachel has been handling my polices for several years now and she has always done a great job with the follow-ups. She is proactive and is open to any questions or feedback. She empathises with my concerns and addresses them accordingly. I do highly recommend her!

Faith, occupational therapist

Testimonial

I am once an agent and met a lot of agents over the years. Never had I come across anyone like Rachel. Genuine, friendly and easy-going. While working on case, she is patience in provide advise and update over time. Looking forward to grow my investment under her watchful eyes.

David, IT specialist

Testimonial

Rachel is friendly, genuine, truthful person. Although this is the first time meeting her. Feel comfortable to meet & chat with her. She would patiently explain the policy term & condition.

Alicia, scientific product specialist

Testimonial

Although I have forgotten how I met Rachel but since I known her, she has always been patient and a good listener. She understands my needs and give sound advices on what is best for me without compromising my limits. She updates me regularly on my investment portfolio so that I was able to make sound decisions on my investment and retirement needs. On personal note, she will remember what I have said before which gives a personal touch that she is more than just my consultant. Really appreciate everything that you have done. A heartfelt thank you to you

Sze Hui, IT analyst

Testimonal

Rachel is a very patient & understanding person. Had known her when she was a colleague to my wife but we don't really communicate. Chance upon that I am not satisfied with my kid's insurance company, I reached out to her and explained what I needed for my own insurance coverage as well as financial planning. She planned & explained patiently what I needed within my means. When I cannot remember what I bought or invested (that's me, don't care so long as she knows), she will remind me, not once but quite a few times. If one day the system allows switching policies from company to company, I will definitely switch all my kids current policies to her! Highly recommend her to anyone who requires her expertise!

Bernard, Logistics Manager

Testimonial

Thank you for all the time and effort you have dedicated to my husband and I in ensuring that our requirements are met. We value your patience and good advices in ensuring that we make practical decisions in choosing the right policies that would rightfully serve us with great protection should any untoward incidents were to happen in the future. Your dedication in serving us is truly commendable. Keep up the good work Rachel!

Lela, personal secretary

Testimonial

Working alongside with Rachel in my financial and personal insurance planning journey has been both enjoyable and a breeze. Time is never enough for all of us and having someone i can entrust my $ with is critical. With Rachel, i need not chase her to get the latest updates of my investments and policies as I enjoy the comfort of frequently updates on my investments and potential products that can complete my current portfolio.

Yongli, data scientist

Testimonial

It has been a great experience with Rachel. Someone whom i can trust to always provide a listening ear to my problems and give heartfelt advice on my worries.

Proactive in trying to understand who we are, what we want and would need and advicing on what is best for us, which i feel is very important. I can always count on her in times of need.

Thank you so much! Really appreciate your heartfelt and friendly service:)

Chieng Siew, business development manager

Testimonial

About two years ago when my agent moved to another company, Rachel took over my portfolio and provided her services. She is a good listener, makes the effort, and is very consistent in reviewing the portfolio based on your needs - providing her perspectives and opinions. I’ll recommend her. Keep it up Rachel!

Hazel, Bank Executive

Testimonial

As a financial planner, Rachel is fantastic in following up on all my various financial policies.
She has provided her thoughtful, unbiased opinions and even advised that I should also update my policies accordingly when there's an improvement in my medical condition.
If accountability and follow-through are qualities which you look for in a responsible financial planner, you may like to consider someone like her to rely on,

Nicholas, Regional Manager in the Pharma industry

Testimonial

Rachel is such a sweet and caring person, i have been with her since 2014. As AXA agent she have done her work with diligently and she very committed to her profession as an Insurance Agent. At any point i needed her and her advises, she will give me full her attention. She always made an effort to follow up with me and never fail, admirer her consistency and energy. Especially during pandemic, she will try her means to keep me up to date about my policy and the changes. Keep up the great work, Rachel!

Hally, nurse

Testimonial

Rachel has been helping me with my protection needs for the last couple of years. She is very sincere and responsive to queries. When it comes to insurance, I believe it is important to work with a firm believer of the products. With that it gives u a peace of mind and reliance during times when you need it the most.

Jerald, investment banker

Testimonial

Rachel is a sincere and trustworthy financial planner, quite different from the majority of the planners I have met. She always provide me the best advice unlike many who just want to sell some products to you. She is very prompt, always goes an extra mile to provide help and information. I get regular updates from her as she monitors my portfolio closely and comes up with recommendations if any adjustments needs to be done to my portfolio. I highly recommend her to anyone looking for a reliable financial planner.

Bejoy, IT Professional

Testimonial

Rachel is super patient and professional in helping me with my insurance plan. She’s caring for me not as an insurance advisor only but more like a friend. I’ll definitely recommend Rachel to you if you are looking for a reliable advisor.

Ting Ting, IT operations

Testimonial

Rachel took over when my agent went over to another company. I must say she has given me the most timely feedback with regards to my portfolios and helping me with getting plans that is the most cost efficient. She takes care of my needs and give much consideration to the budget that I have for the plan. I like that she is very patient and not pushy at all when explaining the various plans. Sometimes she may speak abit fast but is always patient when I ask her to explain again. I strongly recommend her as your financial planner!

Peiting, Administrator

Testimonial

Rachel has been consistent in following up with me with regards to my portfolio and the performance of the various funds. Given the fact that I've got no finance experience or knowledge, having someone who is trustworthy in handling my money was a concern. Rachel has allayed those fears and I've seen remarkable returns through her constant communication. It's been great and I highly recommend

Jon, IT specialist

Testimonial

Rachel has been serving my portfolio for about 5 years. She has faithfully updated and informed me about the latest policy changes and investment updates. She is also dedicated to ensuring my personal hospital claims are settled properly. She understands my situation and will tailor the solutions to meet my needs. If you need a professional advice, you can look for her

Aqulia, Digital Development Executive

Testimonial

Rachel is efficient in helping to plan my family insurance. Recently, my agent moved to another company, she is willing to take over my AXA policies to service them, ensuring the investment continue to grow. She is someone u can rely on.

Roy, Aviation Technician

Testimonial

Rachel put myself and my family interests first, she is a good listener, recommend suitable solutions and trustworthy. She is patient to explain clearly. Will recommend her.

Siti, Banking Executive

Testimonial

Rachel has been working with me for the past 10 years. I have seen her progress from a fresh green rookie to top 5% Financial Planner in the world.

Rachel is a very hard working, sincere & truthful Financial Planner. She always put her client’s interests above her own.

Active listening is one of Rachel’s key strengths & she will ensure that she understands her client’s need in all her financial planning with her clients.

I strongly recommend Rachel to anyone who is looking for a responsible and passionate Financial Planner to manage your financial future. This is the lady you wouldn’t want to miss!

Alvin Yeo SK, AXA agency director

Testimonial

I appreciate Rachel for taking extra mile to understand my personal life and interests and recommending suitable solutions. I highly recommend her if u looking for someone to trust

Bertram, system designer

Testimonial

Rachel is very cheerful, patient and helpful. She is very responsive with follow-ups and I feel assure that my policies are taken care of. I feel no pressure to ask her anything about insurance as she is not pushy and will recommend when necessary.

Chery, business owner

Testimonial

I have met many people in the insurance industry and Rachel stands out as a rare individual. She is committed, persistent and determined to help people find the right products to suit their needs. She has been professional, helpful and accommodating despite my busy schedule. I will definitely come back to her whenever I have any insurance questions or needs. I strongly recommend speaking with her if you have the chance. - Damien

Damien
Lawyer

Testimonial

Rachel is approachable, friendly and informative. Each time I meet her, she gives fresh perspectives on my portfolio.

Elise, Finance Manager

Testimonial

1. Rachel is helpful, professional and systematic in helping me customize my protection needs.
2. She understands what I needs and is not pushy.
3. She works out the best deal and follow thru from A to Z and make sure everything is in place!

Judy, HR

Rachel Huang Tianhui

Associate Manager

Rachel Huang Tianhui

Associate Manager

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Newsletter Issue 44: The Ability to Rethink & Reassess Our Minds

Newsletter Issue 43 : Staying Grounded in Things that Serve Us

Newsletter Issue 42 : Moms Never Retire?

Newsletter Issue 41: This is the 8th Wonder of the world - Einstein

Newsletter Issue 40 : Mastering the Skill of Learning New Skills Fast

Newsletter Issue 39 : What is hurting Employees and Employers

Newsletter Issue 38 : Holding Space in Difficult Times

Newsletter Issue 37 : Covid19 - No turning back from a new future and reality

Newsletter Issue 36 : Make these 6 decisions

Newsletter Issue 35 : When the going gets Rough

Newsletter Issue 34 : Trust, Relationships and Emotional Security

Newsletter Issue 33 : These are simply worth sharing with you

Newsletter Issue 31 : The Power of Tiny Gains

Newsletter Issue 30 : How the World forgot to sleep

Newsletter Issue 29 : Don't leave life without it

Newsletter Issue 28 : 8 Ridiculously Good Recipes That Only Take 15 Minutes

Newsletter Issue 27 : Life's most Powerful Lessons

Newsletter Issue 26 : 3 Financial Wisdom from a woman with 3B Net Worth

Newsletter Issue 25 : Come 15th May, Singaporeans have One more thing to be proud of

Newsletter Issue 24: The Interesting secret

Newsletter Issue 23: The way we Think

Newsletter Issue 22: Why Happiness is linked to Deep Talk

Newsletter Issue 21: Half of the jobs in 2020 are not yet known

Newsletter Issue 20: Your Life is About to Change

Newsletter Issue 19: The Indispensable Power of Story