2018 has been a tough year for my dad as he fell seriously ill.

My dad was diagnosed as having severely clogged arteries, and the specialist advised that he had to undergo surgical procedures at the earliest possible time.

Otherwise, his condition could be worsened, and he would have to live with further health issues and complications.

However, as my dad was someone who always puts his family’s interests above his own, he decided against undergoing the surgery.

He had the impression that the high cost of the surgical procedure would have to be borne by himself, and that would cause a huge strain on the family’s finances.

My family searched through my dad’s insurance plans and found out he has a hospital plan. After being informed that his medical bills will be fully covered, my dad proceeded with the surgery promptly.

If it wasn’t for the medical insurance, he wouldn’t be recovering well within such a short period of time.

A year later, my dad was hospitalised again, and when we found out that he doesn’t have his hospital plan anymore, we were shocked. He had to drain his Medisave to pay his bills.

All along, I always wondered, why did my dad have to go through that fear, why would his hospital plan lapse, why does he not know his plans well.

I realised being a financial advisor is an amicable job if done right. It does impact lives. I want people around me to be protected and aware of their financial planning.

I look forward to guiding you in embarking on your financial planning journey together!