Wilsen zhuo

Senior Financial Consultant

Wilsen zhuo

Senior Financial Consultant

Everyone has a story to tell—story about aspirations, fear, love and everything in between. I live to hear the story every day from strangers who become friends.

I have help many individuals to understand their important objectives in life. Articulating to them what they can plan for themselves and their loved ones - as i believe firmly that every story that i come across are worth to protect.

As a specialist in these five core areas : Risk Management, Wealth Accumulation, Tertiary Education Planning, Retirement Planning and Wealth Accumulation via Investment. Adding to my specialty, i am also a certified estate planner.

Do drop me with the Call Me/Whatsapp icon above for a discussion, and it will be great that you could share this link to your loved ones and friends.

Work
- Prudential Assurance Company Singapore
  
  450 Alexandra Road #10-01 UE BizHub West S119960
  
  Wilsen Zhuo
  Representing Prudential Assurance Company Singapore (Pte) Ltd Reg no. 199002477Z https://www.prudential.com.sg/FC-info
Credentials

Newsletters

Articles Worth Sharing

Newsletter Issue 104: Unforgettable Trips, Practical Tips

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.

Lessons flow through every corner of life—seen in creatures great and small, in blossoms and branches, in wind and water. Nature invites us to slow down, listen closely, and carry its gentle teachings into our own stories.

As Singapore marks its 60th birthday this August, we celebrate more than just milestones—we embrace everyday moments. From savvy ways to maximise vouchers and nostalgic memories that stir the heart, to family-friendly adventures waiting to be explored, we honour our shared journey with pride, joy, and unity.

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

Met wilsen and is trustable

Hi All my Friends,

My name is Purnachandra. Recently my family back into Singapore during covid situations. After they reach here I understood based on current situation that, health insurance is very important for foreigners.
I started looking for reaching out to different people but not much response.
I and Wilsen known each other quite long time and I just explained him about the situation.
Wilsen was immediately shared available plan to buy insurance from prudential and he applied me to apply on the same day with in 4 hrs and happiest thing is insurance got approved Just within 2 days which is highly appreciated!!
Wilsen is so helpful and always client focused person and he also shows interest to resolve customer s pain problems

Thank you 🙏 very much Wilsen for your great help in tough times

Thanks.

Regards,
Purna

Wilsen is more than an advisor

Hi All my friends!,

I got introduced to Wilsen by one of my friend while looking for endowment plan for tax saving purposes. Wilsen is not just a financial advisor, he is also a good friend.

He listens to our needs and advice on relevant insurance products. He is not into sales gimmicks and doesn’t pushes to buy products from him. Rather, he provides the client enough time to explore more and take an informed decision.

Being an expat in Singapore, I find Wilson to be quite helpful in guiding for local day in day out queries/Errands whenever approached.

For any insurance needs, Wilsen is a go to person for me. I strongly recommend him for Insurance products.

Regards,
Ankit

Met wilsen my financial consultant

Hi My friends,

Dear Friends,
I am knowing Wilsen since Oct 2019, we met quite many times during this short period and forged relationships beyond his profession. When it comes to the topic of discussion related to Insurance, I recommend his name, and so to you because, truly he is amiable, truthful, caring, knowledgeable and is easily contactable too.

Although I did not engage him for any insurance all these days until now recently, he did not stop contacting me periodically. It shows that, firstly, he is not pushy at all, and secondly, he is passionate to help people in the real sense. All these qualities of him will certainly make anyone feel comfortable, therefore I strongly recommend Wilsen as the first choice of Financial Consultant

Warmest Regards,
Mangesh

Wilsen is friendly & nice

Hi My friends!,

Wilsen recently took over my old policies, as my agent had leave the industry. After chatting with him. I can say he is totally different from other agent out there. First he is not pushy, secondly he make sure he understands what is your needs & priority first before giving further advice. He will make sure he slove your current problem before anything else. After all he is really friendly! I'm highly recommend him to people around me to had a discussion with him on financial planning. Dont worry you won't regret after meeting with him. I must highlight that having a resourceful & knowledgeable agent to can really make a difference. I hope all my friends can available yourself to get to know him too. Highly recommended!!

Regards,
Jia Ching

My trusted buddy!

Hi All my friends,

Hi Wilsen,

Thank you for being so understanding and patient, despite knowing my personal financial difficulties. Advicing me with an affordable rate that can help me with my saving plans. I'm greatful that you will always follow up/ update me on new plans, which able to cater my needs. Site note, I knew him for almost 15 years, definitely trustable and good service. Truly appreciate your help, thanks a bunch, cheers!

Warmest Regards,
Soon Lee ( Interior Designer )

Meet my financial adviser

Hi My friends!,

I've known Wei Xiong for 14 years. A trusted buddy and a brother to me.
He is knowledgeable with his recommendation and willing to guide you through to have a better understanding of the plan.
Easy to communicate, resourceful, sincere and will always try his best to accommodate your requirement and provide you the best plan.
Sometimes, he will call me out for a meal or drink, we will update each other on what both of us are doing recently.
He will not force any plans and will give you the time to think and decide.
A trusted friend indeed. Highly recommended!

Warmest Regards,
Shi Jie (Starhub Network Support)

Met a sincere agent

Hi My friends,

Hi everyone, I know Wilsen through my friend. After chatting with him and he understand my situation and concern. He is helpful and understanding person. I'm really grateful that i met him and he help me to plan for my whole family. He is knowledgeable with all his recommendation. He is always reachable when in need. Indeed he is someone that I would Highly Recommend! Cheers!!

Regards,
Shi Hui (Loco Loco)

Meet Wilsen through my friend

Hi All My Friends,

I am glad to have Wilsen as my financial consultant. He is very friendly and sincere towards me. He does not try to hardsell policies that are out of my budget. Instead, he tries to understand what I want to achieve in the future, then decides which policy is suitable for me. On top of that, he also helped me to plan for a future policy down the road. I definitely recommend him if you need a good financial consultant.

Warmest Regards,
Yu Xuan (Army Officer)

Meet my secondary friend

Hi Friends,

Wilsen is a very friendly, helpful and understanding person. I had told him that currently my financial not stable infect he is not pushy he offered plan which I’m affordable and suitable for me. He is very patient with me even thought we had plan to meet up a few times but always at the last min I couldn’t turn up. He is knowledgeable with all his recommendation at the same time he is able to guide through the future so as to have a better and clearer understanding. He always reachable when in need. Highly recommended !

Regards,
Sheila Lee
(Corporate Sales Executive)

Meet wilsen a trusted adviser

Hi All my friends!!,

Hi wilsen, Thank you for taking great care of us on our insurance. You and your company "Prudential" Insurance have been wonderful to work with. Most agents wouldn't want to answer phone calls on a beautiful sunday noon on weekend to get the policy done but you did it with wonderful job! You did it and made our recent life insurance quickly, easy and give me the relaxation that you taking care of my family. Not only do I get the great service from you and your company but I also get a great insurance life policy at a great price. How do I know it's a great policy? I know because you and I walk through each of the points to ensure I had adequate coverage. How do I know it's a great price? I know because I have checked other insurance providers and also checked with my office colleagues. I always liked the way of explaining the policy plan coverage, but now I can truly say I get it!!

Regards,
Antonydassan

Stranger to Little Brother

Hi Friends,

I've known Wilsen for the past 3 years. He been a great help and resource to my financial planning . A trusted friend indeed and more like a brother. When ever he drop by my work place he will drop me text to catch me over a coffee and we had loads to share with each time we met. Apart from him being my advisor. He is not pushy in fact he do a whole financial planning tailor to your needs and suitable for me. He is knowledgeable with all his recommendation at the same time he is able to highlight to you how this plan can guide you through till your future goals so as to have a better and clearer understanding of what to look out for in future. He always reachable and takes care when you are in need. I'm highly recommending people out there or friends to speak to him to understand more how he could help you.

Warmest Regards,
Gopi

My Financial Adviser

Hi My friends,

I got to know about Mr Wilsen from one of my friend. I also found him very cooperative and helpful. Wilsen proactively help with full of his energy and knowledge. He has good knowledge of almost all the Prudential plans and products. He helped me to think and decide the good product which suits my requirement. Being expact it was very difficult to choose and decide what works well and how it works in Singapore, but Mr Wilsen help me on all those and clarify all my doubts when we meet in person. He gives enough time to clarify and advise the best suited product.

My best wishes is with him and I would recommend Mr Wilsen to everyone especially those who are new to Singapore or new to the insurance and investments products. Definitively Mr Wilsen will be your best friend!

Thank you Wilsen!

Regards,
Rajiv

Meet my financial adviser

Hi Everyone and friend,

I got to know wilsen few years back thru one of my colleagues. I find that he is a very thoughtful, helpful person and he is also very willing to share his knowledge on financial planning . He is also not a pushy agent. He will always give me time to decide and will also share with me what should be prioritise. He is definitely someone that I will recommend if any of my friends are looking for a financial planner !

Cheers,
Liling (Senior Sales Executive)

Trusted buddy!

Hi Everyone,

Hello Wilsen,

Wanted to thank you for all your help in my wonderful journey with Prudential in Singapore. When I arrived in Singapore it was difficult for me to select the right insurance provider and more importantly the right consultant. But the day I got a chance to meet you over a coffee things started to get much easier and convenient. The important attribute you own is capability to understand a customer's need, his financial constraint and where to strike a balance between the two on one hand, and whenever needed you leave no stone unturned to help him in every way, be it on claims process, guidance on insurance claims journey or selecting the best fit solution.
More importantly and above all, you are a good chap at heart, you feel for your clients. I still remember how you paid regular visits to the hospital when my daughter was admitted not only to ensure that everything is running smooth on insurance landscape but also because you take the relation with client beyond any terms and provide help like a family member.

I will miss the once-a-month meet up with you and nice time we spent together. Wishing you success and prosperity in every possible way.

Finally, I would recommend everyone to get into your shield when it comes insurance needs because the way you handle it, based on my seven years experience in Singapore, no one else can ensure a better experience than you.

Regards,
Sayatan (IT analysis)

Meeting my financial consultant

Hi Friends,

I know my adviser Mr.Wilson for years and find him to be a caring professional who truly listens to his clients’ needs.I am pleased enough to have Mr.Wilson as my adviser.With him, you never feel pressured or treated like a “sales target” – instead, you feel like you’re talking with a trusted friend who offers great solutions for all your financial needs.I am highly impressed by his knowledge of the industry and his grasp of various investment opportunities available.

I trust him for his insight, knowledge and passion to provide his clients with the best wealth management service possible.
He is a sincere, thoughtful and professional wealth planner.He has always provided transparent, well-organised and straight to the point solutions for all my investment and insurance related needs.

He also very responsive reply is really quick for our queries. He is reachable at all time very easily , so really reliable. He is always visited us at our convenient place and time even when you are busy, so made our life easy.

I confidently recommend anyone to speak to him to learn how to be more wiser with their finances.

Regards,
Andagi (IT Analyse)

Meet Wilsen My Secondary School Buddy

Hi Business Partner & Friends,

My family and I used to have 7 agents in total. It all started out with supporting friends who are in the industry. As someone who's is sales, I understand the importance of selling. However one fine day of reviewing my insurance policies with Wilsen shocked me that I've been actually buying duplicate policies. Instead of more upselling , he ended up helping me streamlined my policies and share valuable insights about insurance. I'm very appreciative and since then, have decided that he will be the only one I'll work with to manage my family's policies. Wilsen was my secondary buddy. He's someone who has been very honest and caring. With very good knowledge in his industry as well, I highly recommend anyone to start having a conversation with him with regards to insurance!

Warmest Regards,
Ming Cong
Director
(AMC Pte Ltd)

Meet My Consultant Which Highly Recommended By A Friend

Hi Friends and Family,

Dear everyone who read this!! I met this guy 2 years plus back, he was highly recommended by one of my wife friend. After speaking to him I was impressed by the work he had done for his client and the service you will get from him. He is a easy going person although at that point of time we just know each other, but you can feel the trust in him and confidently tell him everything without fear. 👍🏻👍🏻 now I had done protection for my whole family and my kids education planning! Looking forward for my retirement with him! *Responsible dad or person who really want to do your part as not to be a burden when you not around* Contact him over a coffee.

Regards,
Mr Cheong (Head Chef At Sushi Tei)

Meet My Best Secondary Friend

Hi Friends,

Easy to communicate with and a very sincere agent. Will always try his best to accommodate to your needs and gives you the best plans. Does not force any plans on you and will give you time to think it through. Most importantly trustworthy! Will definitely recommend my friends to Wilsen.

Regards,
Kyla (Nurse)

Meet My Financial Consultant

Hi All India friends,

Hi everyone, I been working in Singapore for almost 9 years. I met Wilsen 2 years back at Changi Business Park, at that point of time I was clueless on financial planning and I never think of getting one for myself and my family. But after speaking to him I found out I have such a big GAP on my financial portfolio, with his guidance I had finally got my financial planning done under his care. I really appreciate his effort and his professionalism. Give him 2 thumbs up! 👍🏻👍🏻 All my friends and people like me who are a EP holder talk to him he will guide you through!

DBS IT Consultant

Regards,
Surendra

Meeting our trusted bro!

Hi Friends & Family,

8 years back we were secondary school friends. Right now, I am blessed to have this Friend of mine, Wilsen, as my trusted advisor. Wilsen indeed helped not only me but my whole family through his expertise and knowledge. Under his sincerely guidance, I’m rest assured that my financial portfolio are in line and this give me confident that I’m one step closer to my goals. Everyone needs someone to enhance their goals, and Wilsen will definitely be the one that I highly recommend you to speak with. Why stress yourself with financial planning? When you have a financial expertise to speak to!

Regards,
Zhi Quan and Reiko

Meet up my campmate

Hi Friends,

I had catch up with my friend Wilsen, he was flexible to cater to my time to fix up a meet ups. We had good conversation on sharing our experiences. He has indeed help me expand my knowledge scope to look ahead for my future planning. 👍👍

Warmest Regards,
Ben

Stranger to friend

Hi Everyone,

I met Wilsen at a roadshow and during that time we sat down and he went through with me about my financial plans and gave me all the useful information on how to better manage my finance/savings right now and for the future , knowledgeable and trusted friend👍🏼 highly recommend :)

Regards,
Kevin

Meet an awesome guy!

Hi All my friends!,

Wilsen is my new Prudential contact person and he is really doing more than only his job. He is very supportive and helped me to understand how I can use my professional skills better in Singapore. Wilsen has practical ideas also for expats and made me feel empowered career wise!

Warmest Regards,
Linda

Friends to personal consultant

Hi Everyone out there!,

I know wilsen through our common Friend. I had zero knowledge about financial planning & I don't believe in insurance but after spoken with him i found out how's imporatant to have ourself protected and plan for our future!! He is definitely a trusted friend and personal consultant & "lobang king". Know him more in person and you wont walk away with regrets! Indeed you earn a nice friend! :)

Best Regards,
Ang Yun

Meet someone interesting

Hi My dear friends,

I know wilsen through my girl friend, and at first i just wanted to know more about financial planning. But after a useful and resourceful information he had given to me he is now my "Personal Financial Consultant!!" A trusted friend indeed. Do get to know him. Would be great to have a good mind to tap on should you need an opinion.

Regards,
Zhi jie

Meet someone interesting

Hi Everyone,

I was referred to Wilsen by a good friend recently and met him for a brief discussion about my financial plans. I must say that having a resourceful & knowledgeable friend to call on can really make a difference. Meet him now and is highly recommended. Steady! 👍

Warmest Regards,
XUAN YI

DISCLAIMER

https://www.prudential.com.sg/fc-info

Wilsen zhuo

Senior Financial Consultant

Wilsen zhuo

Senior Financial Consultant

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