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Joanna Lock

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A Monthly Curated Newsletter

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

In every financial crisis, there are generally two groups of people. Those who ride above the wave, and those who suffer the pain. The first group seems to be more prepared, as if they knew long ago that something was going to happen.

What's their Secret?

This group of people understand a simple philosophy, "You don't plan to fail but you fail to plan." They started early and took advantage of the Eighth Wonder of the World. They are more ready for impact than others.

There's more

During times of great impact is also a time of great opportunities for investment. Yet only those who are prepared are able to take advantage of undervalued assets.

Here's a very good illustration to visualise the power of the Eighth Wonder of the World.

Eighth Wonder of the World

We've got the Story. What are my options?

"Understanding both the power of compound interest and the difficulty of getting it is the heart and soul of understanding a lot of things."
- Charlie Munger

Feel free to get in touch to learn more. I hope that you and your loved ones will continue to stay safe. Cheers!

 
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I seek to reach out to people who believe in creating a safe financial environment for their loved ones. Let me know if I can be of help to someone you know or care about. We can make a difference to lives when it matters most. Cheers.
 
Joanna Lock
 
 
 
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WhatsApp me at +65 84973011  
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Testimonials and Referral Notes

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Christopher Han

I highly recommend Joanna as an insurance agent. She is very detail-oriented and patient, always willing to help clients understand their profiles and needs. With her expertise, she can recommend the right plan for you. Joanna's dedication and commitment to her clients make her an exceptional agent.

Irvin Neo

My first session with Joanna was very pleasant. I had specific objectives in mind when I went to the meeting, and Joanna was very professional in helping me address those. She did not simply just try to push plans to me. Rather she articulated how specific plans were helpful to my objectives. Her post-sale follow-up was also excellent, which helps builds trust between agent and customer.

Serene

My session with Joanna was both insightful and enlightening. As someone with limited knowledge of the financial planning and insurance options available to me, Joanna took the time to guide and educate me through the process. She was personable, approachable, and empathetic throughout, offering clear and practical advice tailored to my current life circumstances. There was no hard-selling or pushy marketing; instead, he demonstrated professionalism and transparency.

Anandan & Manju

I recently met Joanna and was impressed by her exceptional service and expert advice. She took the time to understand my needs and provided personalized recommendations that aligned with my goals. Her clear explanations of complex financial concepts made the process smooth and stress-free. Thanks to her, I now have the right coverage in place. I highly recommend Joanna for anyone seeking trusted financial guidance.

Joyce

From my interactions with Joanna, Joanna's shown herself to be highly reliable and quick to respond. When I raised a concern about my current policies, she suggested a solution that effectively resolved it. She also went beyond that by offering insights on how to further optimize other areas of my portfolio to align with my long-term goals. Overall, I’m very satisfied with the experience.

Syafiqah & Zahid

Thank you for the meet up earlier ! From the moment I reached out, Joanna provided exceptional service, taking the time to understand my needs and guiding me through the various options. Joanna was always available to answer my questions and made the entire process smooth and stress-free. With her expertise and genuine care for clients, I feel confident that I have the right coverage for my situation. Thank you, Joanna for your outstanding support!