felix hoe, 何泓铮

Wealth Management, AFC®, MDRT®

felix hoe, 何泓铮

Wealth Management, AFC®, MDRT®

WELCOME! Glad to see you here today!

“Financial Advisory”, “Private Wealth Management” are phrases that he had never come across in his life before year 2011.

Felix embarked on his career in banking & finance services after his graduation from NTU. He was a Mechanical Engineering graduate and had zero knowledge in financial planning back then.

However, he believes in having a good learning attitude and determination. Nothing can stop him to progress, to excel and to serve better. His engineering trained background strengthened his logical and analytical skills. Fortunately, these attributes help him in understanding and analysing client concerns, which enable him to craft a customised solution to meet their needs.

To date, he has successfully value-added to hundreds of families, helping them with tailored insurance, retirement and estate planning matters. He is grateful for all the trust and love from his clients and many valuable relationships are forged.

He loves listening to stories shared by his clients from all walks of life and learning from their unique life experiences. He also empowered many of his clients to pursue their dreams and gave them the courage and confidence in securing their financial well-being.

He is honoured to be recognised as one of the MDRT® members and he will continue to strive for excellence. Be there to listen, understand and serve.

“No one plans to fail, but many failed to plan”. Financial planning is not rocket science but it requires our effort and time to map out and take action upon it.

Let’s begin your financial journey with him today.

Last but not least, thank you for reading his stories.

Connect with Him Now!

#InsurancePlanning #RetirementPlanning #EstatePlanning #LegacyPlanning #CorporateSolutions #PassiveIncomeBuilding #WealthManagement #F.I.R.E #OffshoreFinancialPlanning #OffshoreFinancialServices

Work
- Wealth Management
  
  APEX Wealth Mgmt
  APEX 私人财富管理
  
  261 Waterloo Street #02-09
  Waterloo Centre
  Singapore 180261
  
  Felix Hoe Yeow Chuan
  Representing Professional Investment Advisory Services Pte Ltd
Credentials

Newsletters

Articles Worth Sharing

Newsletter Issue 101: Reclaiming Rhythm

After a pause or shift in pace, it’s natural to need a quiet reset. This season is about steady steps — not starting over, but picking up where you left off with a bit more clarity. A moment to reflect, realign, and move forward at a pace that feels right.

Whether you're jetting off with family, flying solo, or exploring on a budget, smart choices can make every journey smoother and more rewarding. From practical tips to meaningful moments, let thoughtful planning and openhearted curiosity guide your adventures—so you can roam far, light, and well.

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.

In the pursuit of wellness, every small step matters. Discover how nourishing your body, staying active with intention, and making mindful choices can shape a healthier, more balanced life. From everyday nutrition tips to inspiring fitness journeys, find ways to thrive—body, mind, and spirit—one thoughtful action at a time.

Singapore’s Budget 2025 lays the foundation for economic resilience and community support. From financial aid and SG60 perks to business investments and digital growth, this edition unpacks key measures shaping the nation’s future. Discover how these policies impact businesses, families, and individuals in an evolving landscape of opportunities and challenges.

As Lunar New Year celebrations unfold and we gather with friends and family, let us remember that prosperity is not just about wealth and abundance but also about the wisdom shared and traditions passed down through generations. Amid the laughter, meals, and festivities—and the inherent hope and symbolism they carry—be kind and mindful to yourself and others, ensuring that the deeper meaning of heritage, connection, and togetherness endures beyond the moment.

As we enter the new year, it's the perfect time to celebrate endings and acknowledge our achievements. Embracing closure and recognising small wins fosters personal growth, resilience, and emotional well-being, transforming life's transitions into opportunities for reflection and reinvention as we move forward with intention.

As the year winds down, it’s the perfect time to reflect on the many reasons to be grateful in our lives. From uplifting mental health to strengthening connections, gratitude helps us end the year with purpose and warmth. Discover simple practices and insights to embrace appreciation and nurture meaningful moments this season.

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.

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

Highly Professional, Ethical and Knowledgeable on Financial Planning & Advice

Hi Everyone,

Felix is one of the best financial advisors I had met. He has helped me better plan for my financial goals with detail analysis on the pros & cons on my financial planning, which in turn help me better understand the areas I need to improve on.

Furthermore, Felix is highly professional, ethical and knowledgeable on what he is doing, is always nice talking and learning financial knowledge from him.

I would highly recommend his services to people who wish to achieve their financial goals and also had better understanding on financial planning.

Regards,
Qi Hua
R&D Mechanical Engineer

Give me the ability to organise and control my fiscal life and may enable me to retire earlie.

Hi Everyone,

Felix called to introduce himself after one of webinars I attended to share more about his company and available services.

Felix is knowledgeable, attentive and thoughtful during each of our meetings to understand my financial concerns.

To be frank, after two meetings I still didn’t understand everything but one thing was very clear - by proper forward planning, his proposal of retirement plan is able to give me the financial security that I had been seeking and he can help to obtain more comprehensive insurance coverage with lower costs (the insurance premium would be reduced by approximately 50%). This will give me the ability to organise and control my fiscal life and may enable me to retire earlier than I thought.

Felix is always patient and friendly to address whenever I called in with questions and concerns. This is important in today’s busy climate and impersonal service. I appreciate the services I get from Felix. Thank you.

Regards,
Li Chin
Senior Executive Secretary in CEO's office

有他在理财这条道路上的引导，让我对未来的生活充满憧憬

Hi Everyone,

大学时期就已经认识Felix了，他一直是个值得信赖的朋友，因此毕业步入职场后就请他帮忙规划财务。

Felix会耐心倾听我对退休生活的需求，并根据我当下的经济情况，给我介绍适合我的财务配套。他也会认真讲解相关配套的细节，比较不同方案的优劣势，让我可以在最短的时间内了解自己能获得的保障。

不仅如此，他也会分享一些理财观念，并解答我对投资的一些疑惑，让我有所启发。也很感激有他在理财这条道路上的引导，让我对未来的生活充满憧憬。

Regards,
Zhi Qin
Teacher

He is meticulous and yet ambitious and visionary

Hi Everyone,

Felix is a born leader.

I knew him since 2008 back in NTU. I had the opportunities to understand him in a deeper level. He is meticulous and yet ambitious and visionary. His ideas always standout from the peers and bring new perspective to everyone around.

When I graduated from NTU, he naturally become my financial consultant, as he earned the trust among our circle. Although the trust is there, he didn't approach me by product-oriented way. Instead, he shared a broad spectrum of financial knowledge - from the big picture of investment to the details of each financial planning. And even after I became his client, he made his promise to review my financial portfolio every single year without failure. I felt every session with him was well spent, I was either motivated by his positivity or loaded with his insightful knowledge.

I couldn't be where I am today if not because of him. He brought me into FA career and showed me the possibilities. The initial year when he wasn't holding any leader position yet, he still involve in my development and training process. He ensured I know what I were doing, and why I would do certain things. He would also share tips and tricks with me especially when come communication with clients/prospects.

I learnt a lot from him not only in terms of financial knowledge, but also the different perspective towards common things. He always inspires people for the better, and encourages people to bring up their best form. I would recommend Felix if you're determined to success, and want to make a breakthrough!

Regards,
Desmond Soh
Financial Services Manager

Not only attain a better wealth planning but will get a friend for life

Hi Everyone,

Felix keep up his service I have experienced. He is professional, honest and clarity without hiding anything. I always recommed him to anyone I know when they are in need of any financial planning matters.

With his knowledgeable skills, I manage to enhance my well-being for my future. I assured you will not only attain a better wealth planning but will get a friend for life 😊

Regards,
Eunice
Executive Marketing Analyst

专业的指导和细致耐心的讲解与服务

Hi Everyone,

机缘巧合，在我们计划做一些家庭安排的时候遇到你，你给予了我们非常专业的指导和细致耐心的讲解与服务，不仅让我们学习到了必备的知识也解决了很多一直以来我们的疑惑，让我们接下来的家庭安排有了专业的保障。

感恩遇见，也希望有你作为我们的家庭财务顾问，让我们以后的经济生活稳定无忧。

谢谢你！🙏❤😊

Regards,
Adam Koh & Iris Xiao
Ex-Business Owner, Retiree

他非常细心，也耐心地解答了我的一些退休规划上的疑惑。

Hi Everyone,

Felix是我在听了Apex的一个线上退休规划后认识的。

他非常细心，也耐心地解答了我的一些退休规划上的疑惑。

之后两次的meeting与更多的了解后，Felix在专业的角度上给我剖析出我需要的理财规划，最终我做了两份理财规划。他的知识面及负责任方面颇为满意。感恩有你🙏🏻🙏🏻

Regards,
Kris Sun
Nutritionist, Yoga Teacher

Fun Night

Hi Everyone,

A fun and informative night to catch up with Felix and his team. Thank you Felix and APEX for the invitation. Appreciated a lot.

Great client focussed on fun with brief introduction information for some product seminar.

Regards,
Li Chin
Kishen Kumar

I deeply appreciate him for this wonderful self-discovery career coaching session

Hi Everyone,

I met Felix at 10th Jan for a career coaching session. During the process, I’m instructed to answer a questionnaire first, then after that he analyzed what my characteristics are.

He analyzed my strengths and weaknesses and was able to let me do a better self-reflection on myself. Because of this I have a better understanding at what I excel at and I’m able to know which career path is tailored to my characteristics.

I deeply appreciate him for this wonderful self-discovery career coaching session.

Regards,
Soon Perng
Tuition Teacher

我还有很多不明白的问题他都抽空帮我

Hi Everyone,

我是Mdm Teo，我是从报张上认识Felix 的，本来不想联系他但是我还是坚持打电话给他，我不想联系那些投资者是因为我不想浪费双方面的时间，因为我已经有足够的保单了。

最后我决定联系他，没想到是跟我约一个时间他就解释他的保单的详情给我知道，没想到他解释到很清楚给我，从中才决定跟他买下两份保单。

在此我很感谢Felix，之后我还有很多不明白的问题他都抽空帮我，感谢🙏您。我也是有很多位经济人都没办法解释给我听讲到一头雾水。

Regards,
Yong Yiah & Geok Lian
Biz Owner

his professionalism, coupled with his broad knowledge on finance, made me comfortable in every meeting

Hi Everyone,

Felix has been a great consultant who has helped me to plan for my financial goals. He has been providing advice that are not only able to increase my insurance coverage but also to minimise the cost.

The detailed analysis that he did for me has helped me greatly to identify the areas where I need to improve on.

Furthermore, his professionalism, coupled with his broad knowledge on finance, made me comfortable in every meeting.

Regards,
Leonardo Alfoncius
Engineer

His professional and ethical advice on financial planning has raised my trust and respect

Hi Everyone,

I am really delighted with Yeow Chuan service. It is warming to work with a financial advisor who is interested in their client’s needs, circumstances & preferences.

His professional and ethical advice on financial planning has raised my trust and respect. I will recommend his services whenever possible.

Regards,
Dawn Ng
Professional Wellness Coach

He is knowledgeable regarding to financial issues

Hi Everyone,

Yeow Chuan is a nice and approachable person. He is very patient when explaining policy to me. I can tell his passion on his job. He likes to interact / communicate with people.

He is knowledgeable regarding to financial issues and likes to share with people. I can tell that he is responsible to his client as he always let us know he is going overseas or something.

Regards,
Chun Heng
Research Assistant

He is well prepared for our review every time

Hi Everyone,

Yeow Chuan is well prepared for our review every time and he always provide his excellent service and share the knowledge with me.

I am grateful with his service and choose him as my financial consultant. Hope we can improve and grow together along the way.

Regards,
Ming Li
Management Executive

I trust him until I reach my life goal

Hi Everyone,

Yeow Chuan, he really is the most responsive insurance agent that I met so far. He will try his best to suit my current financial needs and provide me a good idea and plan for my policies.

He will dropped me a message to inform if he out of town to make sure his client still can reach him on time.

He is very responsible and positive person. He really is a good financial planner for me and I trust him until I reach my life goal.

Regards,
Shayne Chan
Business Support Executive

He is only an advisor but also a friend

Hi Everyone,

Yeow Chuan has been a very thoughtful advisor. I can see the passion in him in his effort towards his job. The way he analyse and handle his clients makes me feel comfortable when we discuss about certain plans or policy.

I don’t really feel like he is only an advisor but also a friend who helps his client to his best efforts.

Thanks for your helpful advices and help given to me.

Regards,
Guan Soon
Navy Electrical Technician

His responses are very fast when I happened to have a claim

Hi Everyone,

As an advisor, Yeow Chuan is very helpful and willing to share his information to me. More importantly, he will put himself in my shoes, introduces and recommends from my point of view.

In term of services, his responses are very fast, remember that I happened to have a claim; I found that he responded to me very fast. He is knowledgeable to answer my questions.

In summary, Yeow Chuan as an advisor, he is well and fit to his position for his clients from his professionalism.

Regards,
Mikefeng Yang
Senior Engineer

He is a very friendly person to ask for help

Hi Everyone,

Yeow Chuan is a person who encourage people to do saving for future use.

Through the financial planning process with him, it is easy to understand what the whole insurance all about.

He is a very friendly person to ask for help if unable to understand any of the topics in term of financial services or life.

Regards,
Eugene Yeap
Singapore Navy Force

加油吧，小伙子！我永远支持您！

Hi Everyone,

我認识Felix Hoe只有几个月，但是我的感觉他是我家的小弟，待人有礼。

我询问的每个问题都细心，用心，耐心地说明让我受益匪浅。介绍了一项很有回报率的基金，后来我也有买，结果拿到很高的股息。

谢谢他的付出，他的敬业与乐业的精神。让我佩服他，他是一位优秀的财务顾问。

衷心的祝福他锦绣前程，生活愉快。

加油吧，小伙子！我永远支持您！

你的眼界决定你的世界！

Regards,
Khan Tee
Retail Supervisor

With his detailed analysis, I have gained insights and identify my harmful spending habits

Hi Everyone,

I knew Felix through a mutual friend. They both introduced me to investing and how to manage my finances properly.

Felix has taught me on how to make my money work harder for me through investing. With his detailed analysis of my finances i have gained insights on my spending habits which i have not realized i was doing harm to my future self and my family as well.

His professionalism and wide knowledge about finance has led me to put my trust in him to manage my investment. I am happy with the results even during this trying times, my portfolio is doing well.

Regards,
Remempher
Service Engineer

Providing relatively good follow-ups and taking initiative to stay in contact

Hi Everyone,

Felix has been providing some relatively good follow-ups to the clients. Although he was new many years back when I decided to purchase several financial products from him, he has picked up fast to provide the necessary information to me.

Furthermore, the fact that he has been taking initiative to stay in contact with me is encouraging. I believe that this is one of the most important qualities which a financial advisor needs to possess.

Feel free to give a try to his services and I believe that it will benefit you in long term.

Regards,
Rui Yang
Operations Director

He is knowledgeable and always there for me when I need some advice about insurance

Hi Everyone,

Overall, Felix is a very good insurance representative. He is very proactive and hardworking when come to business opportunity.

He share with me and suggest to me which insurance plans is good to me and my family.

He is knowledgeable and always there for me when I need some advice about insurance. He is responsible and always informed me few days before he is away from Singapore.

He shares with me his dream in terms of career and life. I believe that he definitely can achieve his goal if the momentum keeps going on!

Regards,
Yeo Ann Woon
Director

Does not hard-sell & ensures that I understands the policy completely and is patient in his explanation.

Hi Everyone,

Felix has been a great agent who is willing to go the extra mile to explain the policy which the client does not really understand. He considers the needs of the client and gives appropriate advice to maximize the client investment.

All in all, if the client has any doubt, just approach him and he will give the best advice to the client’s needs.

Felix is an approachable insurance agent who responds promptly to questions raised to the best of his ability.

He does not hard-sell his policies, unlike some insurance agents in the market. He respects his clients’ decisions and needs, and recommends the best policy/policies.

He also ensures that his clients understands the policy completely and is patient in his explanation.

Regards,
Feng Yuan
Aircraft Maintenance License Engineer
Serena Tan
Teacher

Provide additional steps to aid me to better understanding my portfolio

Hi Everyone,

Felix shows great interest and enthusiasm in his works. On top of providing his advise and knowledge at his level best, he would provide additional steps/ services to aid me to better understanding my portfolio, though seems to be small gestures, it greatly helps in self-assess at holistic manner.

Straight forward, openness is among traits of Felix that make him approachable and responsive to ideas and questions.

On personal level, Felix portrayed as an individual whom constantly improving himself and widening his knowledge

Regards,
Yu Hau
Senior Project Manager

Always keep me up-to-date which allow me to react to market promptly.

Hi Everyone,

As an investor, Felix is quite knowledgeable with what he had been doing, explaining and proposing to me.

He always kept me up-to-date with all the latest events, promotions and products, which allow me to react to the market promptly. If I have any doubts in any aspect regarding his profession, he always gets back to me promptly. Keep it up!

Regards,
Joseph Tan
Engineering Sales Manager

He is very kind, smart, friendly, patient and caring.

Hi Everyone,

My wife and I are very fortunate to have Felix as our financial advisor. He gives us valuable financial advises and recommends great financial products that are well suited to our needs. His deep knowledge and experience give us assurance that he will advise us properly.

Oftentimes, If I have any question related to my insurance, he will always be ready to help and answer. We can be sure that Felix will always put our well being and benefit as priority. He is very kind, smart, friendly, patient and caring.

We would highly recommend him to anybody who’s looking for financial or insurance advisor to guide them for a better future.

Regards,
Made Surya
Visual Media Content Producer
Ratu
Administrator in Indonesian Embassy in Singapore

My great career coach

Hi Everyone,

I have known Felix for about 1.5 years and it was enjoyable working with him while during his time at AIA. He has formulated many great pitches for each product category and is very selfless in sharing.

When we faced any difficulties he will always be there to share his input and offer solutions on how to solve them.

He is also a great career coach when one is looking to embark on a career in financial advisory. He has a wealth of experience in both tied agency and financial advisory firm.

He shows the pros and cons of what a tied agency does and what a financial advisory firm can offer. Felix has guided me in my career decision moving forward and encourages me to pursue them.

Felix is the go to person to speak to when you are fresh out in the workforce looking to embark on a new career or considering a mid career switch.

Regards,
Jian Xian
Financial Service Consultant

DISCLAIMER

The views and opinions expressed are solely that of the author /or information shared by third parties and do not reflect the opinion of Professional Investment Advisory Services Pte Ltd. The information shared here are for general information only and does not constitute the provision of financial advisory services. This information has not been reviewed by the Monetary Authority of Singapore.

felix hoe, 何泓铮

Wealth Management, AFC®, MDRT®

felix hoe, 何泓铮

Wealth Management, AFC®, MDRT®

Let’s begin your financial journey with him today.

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