I was a HR Assistant in an MNC. It was 1996 and the market was not doing well. A senior management opening we had received 100+ hard copy applications, every day. My HR director told me then: Discard those who are in their 40s.

At 40, one should be in his prime; with good accumulated experiences…a highly positive asset to a company. Yet my boss was only wanted below 40 years old for a very senior position. I realized it will happen to me at some point. There is no job security. It was a wakeup call to me.

I started researching what can I do with the strengths I have, for more control of my career. With tax consulting skills, a love of teaching and somewhat drawn to banking and finance...I ended up calling insurance companies to find a manager whom I can learn from. I met my eventual mentor, Alison who made me feel so comfortable with her extremely professional approach. I passed the exam…But I was comfortable with my HR job. Everyone doted on me. I know all the 500 staff by name. I was ready to say no to Alison. Then something happened.

It was 19^th December 1997 – the day when SilkAir Flight 185 crashed. I watched the news, feeling sad for the victims. Never did I imagine my schoolmate was on the plane, too. We met up for BBQ just two weeks before. He was in good spirits, telling us he was going to be engaged, applying for a flat and SPR for his parents and brother. He was happy. He was successful. He was 21.

He was gone.

At 21, he actually bought a $100K coverage. During the wake, his parents shared so much about him…it made me appreciate the protection from insurance.

I joined Alison after that and never looked back.

YEARS IN FINANCIAL PLANNING: SINCE 1999

AREAS OF SPECIALTY

• Risk Management
• Estate Planning
• Retirement Planning

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Star Club 2024

Signature Award: 2018 to 2023

^‍Million Dollar Club: 1999, 2002

Regional Sales Convention: 1999

International Sales Convention: 2006,2007,2008

75 Lives Club – 2002

Financial Planning Award (Adviser): 2006,2007

TOP Financial Plan (Group-ChFC): March 2007

I would describe myself as fun-loving, able to listen, kind and caring. I love the arts. I respect artists of all trades and forms. I always donate to buskers; I admire the way they never hide their talents under the table but perform with such passion.

I love colouring, it calms and soothes me.

I also do palm-sized clay sculpturing for my church.

I like listening to JJ Lin, Mayday, Jacky Cheung…anyone with a great voice! Josh Grohan, Andrea Bocelli...a bit of shouting and screaming is fine, too! Lol...

As a kid, I looked up to Lee Kuan Yew and my grandmother. The former is strict and wise, the latter is quiet and wise. LKY – I love to listen to his speeches. He was fearless. Maybe because he was passionate about his mission. His faithfulness was most admired too. Most importantly, he knows how to use talents. My grandmother – She always sat a corner quietly chanting. Slow to anger and gentle, a woman of few words but prefer actions.

The hardest thing for me is giving bad news to clients about their medical results. When I first started, I had to tell an 18yr old that she has diabetes, discovered through the insurance medical check-up. I can still remember her reaction then 22 years ago.

I’m glad I didn’t join those unethical agencies but went straight into Alliance. It’s like a big family to me - many brothers and sisters with different characters and strengths. We work like a big family. Whenever anyone encounter any issues, everyone will come forward and help selflessly. The comradery here is incomparable.

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Thank you, Joyce. Appreciate your professionalism and prompt attention to our requests. We are glad to have a pleasant and knowledgeable wealth solutions consultant to work with. Whenever we need help or have questions, she is available and always follows through. Thanks again for your enthusiasm an expertise.

– Emily

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I just wish to express my complete satisfaction to Joyce Goh’s services for providing my family with perfect policies that matches our needs and wants. I feel secured and safe to have a responsible agent who is prompt in responding to any of our questions. Thank you, Joyce, for making my insurance buying experience a stress-free one!

– Shirley

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