Gary Giam

Senior Wealth Manager

Gary Giam

Senior Wealth Manager

Hello there! My name is Gary, I am a Senior Wealth Manager from Prudential Financial Advisers Singapore.

My interest in finance started when I am 19 years old. And since then I always keep myself updated on local and international current affairs as well as financial market movements.

I believe that life isn't a competition. It is about learning and improving oneself. Therefore, I strive to always improve and continue to learn and extend my knowledge to better help and inspire the people I met throughout my career.

I help my clients on various financial needs such as life insurance, Critical illness insurance, Hospitalization insurance, general insurance, retirement planning, investment and savings.

See you soon!

Best Regards,
Gary Giam
Representing Prudential Financial Advisers Singapore
www.prudentialfa.com.sg/disclaimer-pfa.html
Approval code: PFA03Apr24RS10

Work
- Amplify Partners a group of FA Branches of Prudential Financial Advisers Singapore
Credentials

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Articles Worth Sharing

Newsletter Issue 98: The Hustle for Health

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.

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.

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

WELL DONE GARY!

Happy to meet Gary! He makes it easy for me by explaining my policies in simple terms, so that I know exactly what I’m covered for. He also gives helpful advice that makes me feel secure about my choices. Well done!

Chih Hui, Admin

FOLLOWS UP REGULARLY! 👍🏻👍🏻👍🏻

Working with Gary has been a great experience. He explains policies really well, making them easy to understand. His advice is always based on my needs, and he listens carefully to what I need. Unlike other agents, Gary follows up regularly to make sure my plans are on track and checks if anything has changed in my life. He’s friendly, knowledgeable, and never feels ‘salesy’—just someone who truly wants to help. I highly recommend Gary to anyone looking for a reliable wealth manager!

Siew Mee, Nurse

ENJOY WORKING WITH HIM!!!

Gary has been great at explaining everything clearly and in a way that’s easy to follow, which is helpful since I sometimes lose track of the details in my portfolio. It’s reassuring to know he’ll be there if anything goes wrong, especially when it comes to handling claims. My meet-ups with him feel more relaxed and more personal than with other advisors—I enjoy working with him!

Sobri, Teacher

APPRECIATE HIS REGULAR UPDATES & CHECK INS!!!

Having Gary as my financial adviser has been a great experience. I really appreciate his regular updates and check-ins—they show he genuinely cares about my progress. He’s flexible with timing, so it's easy to stay on top of things, and he’s always there to help when I need it.

Gary’s opened my eyes to the value of insurance and investments with insights that fit my goals. I like that he only recommends things that make sense for me—he’s straightforward and not pushy at all. He has a way of making everything easy to understand, so I feel more confident and informed about my financial journey.

Azizah, Restaurant Manager

GENUINE AND PERSONABLE!!!

Gary is genuine and personable. I really appreciate that he actively listens, and gives good advice and suggestions based on my needs. He makes it easy to understand so I am able to make informed choices.

He is organised and prompt in getting back to my queries.

I’m very glad to have met him and feel confident with him as my financial advisor.

June, Operations Manager

HIGHLY RECOMMEND HIM ⭐️⭐️⭐️

I got to know Gary through my company’s financial talk. I was initially reluctant to meet up, but I’m glad I did, as Gary was very friendly and not at all pushy. I enjoyed our meeting and appreciated his sincerity and genuineness. If you need any financial advice, don’t hesitate to go to Gary—I highly recommend him! ⭐️⭐️⭐️

Li May, Engineer

NO PUSHY SALES JUST GENUINE ADVICE

I was referred to Gary by a friend and was impressed by his exceptional service.

Gary demonstrated vast knowledge and patiently explained complex concepts without being pushy.

He took the time to understand my unique situation and provided personalized recommendations tailored to my needs.
I was particularly impressed by Gary's prompt responses and ongoing support, which earned him a solid 👍🏻 from me

I highly recommend Gary to anyone seeking a reliable financial agent. He is attentive, responsive, and my now go-to person for all financial consultations. Really recommended ! 👍🏻

Iffah, Event Planner

THANK YOU SO MUCH GARY!

I recently got in contact with Gary Giam from Prudential and I had many queries regarding different types of insurance. He was able to explain the details of the insurances that I was interested in. Before this I didn’t thought too much about insurance but after my company has an insurance talk, i was interested to know more and the types of insurance I should apply for. Gary took the time to meet up and explained in the details of what types of insurance I should apply for and best suited for me! On the next meet up, I signed for the Hospitalisation Insurance with him. Overall I had a great experience with him as he was able to answer my queries as simple as possible for my understanding. Thank you so much Gary!

Nur Diyana, Admin

GOES ABOVE AND BEYOND FOR HIS CLIENTS!

I was introduced to Gary and his services through my husband whom often shares that Gary is reliable and knowledgeable about his field. Beyond that, Gary is also a hardworking individual who goes above and beyond for his clients. Rest assured that I can comfortably reach out to Gary anytime if I have any queries about my plans and that he would deliver. Grateful to have a down to earth, professional and well-informed advisor to journey alongside! Thanks Gary!

Jia Ling, Regional Services

Meet someone interesting

Hi GARY IS A REALLY SINCERE GUY!,

Gary is a really sincere guy. He and his team came to our company to give financial literacy talk more than a month ago. It was super informative and really helpful in terms of looking at the risks and also giving us latest trends in insurance coverage. Few weeks later he came back to meet me to answer some questions about investment risks and insurance coverage that I had. He did not to try to sell me financial products but instead was trying his best to educate me about my risks and how I could reduce risk and grow my wealth in order to have a safe financial standing for retirement. He is also quick answering questions and following up via WhatsApp/ text and email. I really appreciate his work ethic and professionalism. Thank you Gary. ☺️🙏

Regards,
Kai Wen, Engineer

GLAD TO HAVE CHOSEN HIM AS MY ADVISOR!

I have always been skeptical towards insurance agents, but Gary has changed my mind. He never pressured me or tried to upsell products I didn’t need. This was evident when he patiently waited for more than a year until I felt financially ready to commit for an insurance plan. Additionally, he only recommended products that were necessary for me. Throughout the process, Gary was also very patient in explaining the details and clarifying any questions I had. All in all, I gained trust towards Gary along the process and am glad to have chosen him as my agent.

Winson, Data Analyst

PROMPTLY FOLLOWS UP ON MY CLAIMS

I got to know Gary when he took over my account after my previous advisor left the company. Initially, I was skeptical about how well he would manage the transition. However, I am glad to say that Gary has been exceptional. He is knowledgeable, not pushy, and promptly follows up on my claims. His professionalism and dedication have given me confidence in my financial planning. I highly recommend Gary to anyone seeking a reliable and efficient advisor.

Lee Leong, Logistics Admin

ALWAYS SERVE TO THE BEST OF HIS ABILITY!

Gary has great expertise and knowledge in investing, the financial markets and financial products. He takes the time to explain what are ones financial options and would always serve to the best of his ability.

Kymberley, Consultant

APPRECIATE GARY FOR ALWAYS OPEN TO SHARE

Appreciate Gary for always open to share his financial knowledge as well as his knowledge on various policies available.

Yanni, Manager

PROUD OF THE HARD WORK AND DEDICATION HE PUT IN

As a mother, I am proud of the hard work and dedication my son puts into his role as a wealth manager. His commitment to helping clients achieve their financial goals and the way he puts in 100% effort in everything he does is truly admirable. Keep up the good work and all the best!

Sharon, Logistics Executive

FRIENDLY AND HAPPY INDIVIDUAL!

Gary is a friendly and happy individual who is incredibly patient and understanding. He explains policies clearly and tailors solutions to my needs. Working with him is easy and enjoyable. Highly recommend!

Yew Choon, Administrative Executive

GARY HAS ALWAYS BEEN A RELIABLE FINANCIAL ADVISER

Gary has always been a reliable financial adviser. Not only he is knowledgeable, he is also approachable. I have no issues in reaching out to him as he has always been responsive to my queries. Highly recommended!

Seri, Administrative Executive

IMPRESSED WITH HIS PATIENCE AND DELICATION

I am impressed with Gary for his patience and dedication. He took the time to explain each policy in details and recommended solutions that were tailored specifically to my needs. Working with him has been an enjoyable and rewarding experience. I highly recommend his services to anyone seeking personalized and thoughtful financial guidance

Ben, Business Development Manager

Meet someone interesting

Choosing Gary as my life insurance advisor was one of the best decisions I've made. He is attentive, responsive, and truly cared about finding the right policy for me. I feel confident in my coverage knowing he is there to support me.

Ai Choo, Retiree

HEARTFELT GRATITUDE TO GARY!!

We would like to extend our heartfelt gratitude to Gary for his exceptional assistance throughout the insurance process. His expertise and unwavering support were crucial in obtaining the coverage we needed. We are deeply appreciative of his outstanding service.

Akber, Software Engineer

GLAD TO JOURNEY WITH GARY

I’m happy to know Gary. Super approachable, down-to-earth, dedicated in his follow up, and most importantly, provides unbiased and sound advice that have really worked for me. Gary is never pushy but instead, he listens, takes time to understand, answers all my trivial queries and comes back with viable solutions. Deeply appreciate his professional service delivered with a very warm human touch!

Kay Boon, Marketing Executive

WILL DEFINITELY RECOMMEND HIM TO FRIENDS WHO ARE NEW TO INSURANCE AND FINANCIAL PLANNING

Although I've only known Gary for a short time, he is a meticulous and organized advisor. His comprehensive yet simplified explanations of insurance policies makes them less intimidating and more understandable for young buyers like myself. I would definitely recommend him to friends who are new to insurance and financial planning!

Isabelle, Student

KNOWLEDGEABLE AND PATIENT

Gary is a very knowledgeable and patient person. He provides an overview of your current status and advises what you need according. He is like a good and trustworthy friend. Working with him has been very easy and pleasant. I would recommend Gary!

Rita, Researcher

HAPPY TO HAVE HIM AS MY FINANCIAL ADVISOR!

Happy that my secondary school friend and also basketball buddy become my financial advisor. Not only did he recommends me solid insurance coverage, but he also make sure that my wife and daughter are well protected with coverage of their own. Plus, he also went the extra mile by connecting us with medical specialists, booking appointments with nurses and doctors, who came to our house to provide complimentary baby vaccination and child development screening. Very convenient!

Elton, Manager

RELIABLE AND PROFESSIONAL!!

Glad to have Gary in my financial planning journey. He took his time to explain various policies and patiently walked me through the various options available to me. I would definitely recommend Gary to anyone who is looking for a reliable and professional financial consultant!☺️

Nadiah, Project Manager

HIGHLY RECOMMENDED!!

Gary is a professional and knowledgeable financial consultant. Unlike a typical consultant, he is able to provide insightful information not limited to insurance products. Highly recommended to anyone who's interested in insurance and financial products!

Alvin, Banker

HAPPY TO MEET AND WORK WITH HIM!

I've known Gary for ages, and he's been a huge help with my portfolio planning. He makes it simple and easy to understand.

Gary is also patient and he never rushes or pushes me. He takes his time and really listens!

Working with Gary has been great! He's professional and really caring. You can tell he wants to help you do well with your finances! He is someone I am happy to have met and work with!

Candia, Sales

GRATEFUL FOR HIS OUTSTANDING SERVICE!!

We would like to express our sincere appreciation for Gary ‘s invaluable assistance in guiding us through the insurance process. His expertise and support have been instrumental in securing the coverage we need. Thanks to his time, patience, and dedication to helping us make informed decisions. We are truly grateful for his outstanding service.

Raj, Technician & Vanathy, Housewife

KNOW HIM FOR A WHILE NOW! RECOMMEND!!

I've known Gary for a while now, and I've seen firsthand how dedicated he is to doing his best and always improving. He's really good at giving detailed advice that fits exactly what each person needs. Plus, he's always ready to do extra to make sure his clients are happy. I definitely think Gary is someone worth recommending!

Jeff, Sales (Admin)

OUTSTANDING SERVICE & EXPERTISE! NON PUSHY!

I highly recommend Gary for his outstanding service and expertise. His approach is refreshingly non-pushy, focusing on tailored recommendations that align with my needs and goals. He keeps me consistently updated and is always there, ready for any questions I may have on my policies. He responds promptly with valuable insights. His professionalism, coupled with a commitment to client satisfaction is why I enjoy working with him and would love to recommend him to anyone who is seeking a knowledgeable and responsive financial advisor.

Shelon, Clerk & Pei Sheng, Chemist

GOES THE EXTRA MILES TO UNDERSTAND MY LIFESTYLE & NEEDS!

Linked up with Gary after attending a company talk with the interest to find out more on existing coverage & any potential shortfall on my end. He is very informative, takes time to explain the policy and most importantly makes an effort to understand my lifestyle & needs.
No hard selling or overselling, instead it is more of a personalised recommendation from his end which best suits me. Most importantly, he is not pushy & goes the extra mile to do a concise summary on what was shared during the meetup.
Gary is definitely someone I would recommend to my friends if they are in need of any financial advice/services.

Johnathan, Airline Personnel (Admin)

GOING THE EXTRA MILES & PERSONAL TOUCH

Glad to have met Gary as my insurance agent. Attended a company talk and was intending to purchase insurance but didn’t know the details. Got linked up with Gary and he took the time to understand me. Afterwhich he patiently went through all the insurance I was interested in and even recommended some based off my needs. Gary even did a concise summary of each item that we talked about! This is something that sets him apart from others as he understands: too much information can also be daunting! Appreciate Gary for not only being an insurance agent but also going the extra mile of adding the personal touch :)

Jean, Project Manager

His recommendations and information is useful to me!

I do not feel pressured and pushy when meeting Gary. He is very informative and provide me with relevant recommendations and information that is useful to me. I highly recommend people to reach out to Gary for his professional advice!

Eric Lee, After-Sales service

Thank you for great service!

I met Gary when Prudential had a seminar at my workplace. He is quick to arrange a zoom meetup with me after I state my interests in insurance policies with Prudential. Gary is very informative and patient when it come to explaining about certain terms in the policy. I appreciate the fact that he did not push or hard sell me in any way. He gave me time to decide and also recommended me policies that might suit my lifestyle better. I recently learned that he had some prior experience in the financial sector, so this also instilled some trust in me. Thank you Gary for your great service thus far!

Farahin, Laboratory Technician

extremely pleased with his service

Gary is as many have mentioned, a professional person.

I am extremely pleased with his service. He is very patient in explaining the various plans for insurance and has wide knowledge of what he does.

Even though I did not purchase many plans from him, he does not force or upsell any plans on me and instead gives me a lot of time to think about it.

He is always ready and willing to provide me with information whenever I message and check him on some stuff, even though I know that he is a busy person.

I greatly appreciate the advices and services from Gary Giam. I highly recommended him.

Wilson, Business Relationship Manager

Efficient, attentive & helpful!!

Efficient, attentive and very helpful in any situation. You give us great customer service even though we have one small policy with you. Thank you Gary!

Doreen, Civil Servant (admin) & Edwin, Engineer

Get 2nd opinion from him!

I know Gary from a company talk. He is very patience and sharp to work out the gaps and propose policy base on my situation . Through the process he allows space for thoughts and provides information and explanation to aids in understanding before arriving to my decision.

Am lucky to know him in spite that I already have an existing financial advisor. Is good to have second opinion always, thanks young man and I wishing you success in your endeavours.

Angie Ng, IT Manager

Detailed in his recommendations!

I was referred to Gary through a friend and since then, he has been my go-to person for my policy matters.

One of the things I appreciate about working with Gary is his attention to detail when making recommendations. He takes the time to explain the nuances of the policy and how it will affect me in the long run. He also keeps me up-to-date on recent happenings and news that may impact my policy, which is very valuable to me as a busy person.

What sets Gary apart from others is his friendly and approachable nature. He is never pushy and always takes the time to answer my questions, no matter how trivial they may seem. This makes me feel comfortable and confident in his ability to manage my policy needs.

Overall, I recommend Gary for anyone looking for an advisor who is easy to work with, detailed in his recommendations, and keeps you informed on the latest news.

Wee Tat Yong, Retiree

PROVIDES BETTER AND MORE AFFORDABLE OPTIONS!

I've been spending a lot of money on insurance lately and I'm looking for a more affordable option that still gives me the coverage I need.

Luckily, my friend recommended Gary, who put together a helpful PowerPoint presentation that outlines exactly what I'm looking for.

I was impressed by Gary's thoughtfulness and customer focus. He really listened to my needs and tailored his presentation accordingly. And despite being very professional, he was also very personable and approachable. He is adept in insurance products.

Lastly, I feel I can trust Gary with my insurance needs. Definitely a huge factor for me, and one of the main reasons why I decided to switch. Overall, I'm really happy with the service Gary has provided so far, and I'm excited to see how he can help me save money while still getting the coverage I need.

Christine Tandoc, IT Analyst

Absolutely delighted to work with him!

Absolutely delighted with Gary's services! He is helpful and gives professional advices and guidance depending on what suits us the best! He is a real pleasure to deal with!

Vicky, Analysts

Good first impression

Never regretted my decision to meet with Gary. I first heard of him from a friend recommendation. At first I was sceptical, but after meeting him and listening to him explaining in details about our needs and what he can offer, truly a good experience. First impression matters, and Gary truly delivers.

Francis Cabrini, Analyst

Definitely enjoy working with him, and I believe you will too!

I have known Gary for quite a while now. He is professional and knowledgeable. I enjoy talking about the financial market and news with him. Despite having years of experience in investing, my discussion with him often brings about discovering new opportunities and blind spot that I might not have known or see on my own. He is prompted in his replies and know a lot about insurance products from all companies. Definitely enjoy working with him, and I believe you will too!

Dante, Security Analyst

Professional & Knowledgeable! Highly Recommended!!

Gary is a professional and knowledgeable Financial Consultant. I asked him a lot of questions on the policies or insurance terms, and he answered all my enquiries with great patience. To be honest, I learnt a lot about insurance products from him. Due to this, I felt secured when I purchased all my policies from him. I would definitely recommend him to all my friends that needed financial advices!

Jia Hao, Engineer

A very empathetic and understanding Financial Consultant

Gary got me the most affordable personal accident insurance plans I have ever seen. Despite the pandemic, he was able to assist me in getting my family covered. He is very friendly, consistent, and thoughtful. He is very empathetic and understanding of my situation. He never rushes me and is very patient with me when there are certain things about insurance that I do not understand. If you are looking for a good and friendly Financial Consultant, give Gary a call! Thank you Gary!

John Alba, Civil Servant

Gary the BEST PERSON FOR THE JOB!!

Gary is not only a great financial consultant, but also a friend who took the time out to carefully explain the various healthcare policies that I was interested in. This helped me better understand the products and what I was signing up for. If you are looking for someone who is meticulous and understanding, I would definitely recommend Gary to be the best person for the job.

Stanrly Moo, Civil Servant (admin)

REPLIES PROMPTLY & Good after sales service!!

Gary is very knowledgeable in sharing his products with his clients. When I was unsure about what i want, he was able to clearly lay out for me my options and i was able to get a clear understanding of what I was lacking and in the end i was able to make the best decisions for myself. He is also very prompt in his replies and after-sales service as he will check in with me once every while. I feel that he makes me comfortable to approach him and he does not make it feel like I'm pressured to purchase any products from him.

Joey Ong, Auditor

It's pleasure to work with Gary!!

Gary is professional, upfront and a pleasure to work with, especially in situations whenever I have any questions in doubt or need to update a policy. He is also helpful, patience and responsive in times of an urgent request. He would share his knowledge on insurance and will actively source for a suitable insurance coverage that suit your needs. I would definitely recommend him to my friends and family who needs any financial advice/services.

Louise, Tax Accountant

Great Listener!! Invest with Gary!!

If you are looking for someone who knows what he/she doing. Gary will definitely be your answer. He is a good listener that would listen to your needs. He is a great financial consultant that would suggest you the thing you are looking for. Don't waste your money inside bank, invest with Gary through Investment-Linked policies based on your financial needs..

Kairong, Engineer

It was an awesome experience meeting and working with Gary!!

Meeting Gary was definitely an awesome experience for us. Both me and my wife have understood the importance of having sufficient insurance in life and we continue to learn with Gary's guidance as time changes.

Gary always prioritize our purpose and goals as the main objective for the different recommendation of plans. What Gary did was great and we are both very pleased to have been served by him.

Jay, Store Manager & Belinda, Teacher

empathetic, professional & friendly!!! Meet him now!!

Throughout my time with Gary, he has displayed a strong sense of professionalism, patience and communication skills.

During my zoom sessions with him regarding financial advice, the way he taught me was very visual with many drawings and he took his time to clearly explain concepts in a way makes it easy to pick up and learn. Furthermore he never once rushed through the information and gave me as much time as I need to absorb it.

This patience was also displayed in other times when we discussed other topics like insurance and investment-linked products. he would always be swift and happy to answer any questions I had be it big or small.

All-in-all Gary has been a very empathetic, professional & friendly Financial Consultant. he has aided me greatly in my financial journey!

Aaron, Auxiliary Police Officer

reliable, consistent & NOT PUSHY!!

Gary is reliable and consistent - these are important traits in a financial consultant. He checks in regularly and is very responsive. In addition, he is not pushy; I have the time and space to evaluate a product properly before making a decision.

Jasmine Hu, Bank Staff

Glad To have met up with him!

I was not aware of my lack in coverage on certain policies until I met up with Gary who did a comprehensive review and understand my current situation. I am also grateful that he assisted in the application of my new policies.

Sam Neo, Senior Representative @ Investor Relations

Knowledgeable And Work Very Closely With You!

Gary has been essential in my financial planning journey. He is knowledgeable on the different plans in the market, detailed, enthusiastic in what he does and is able to guide me on strategizing for my retirement! Thank you!

Jeremy Wong, School Counsellor

Highly Recommend You To Meet Him!!

Gary is a Financial Consultant that I met who can provide a one stop solution on the financial/insurance products on life, investment-linked, saving, retirement and etc. He is trustworthy, knowledgeable, passionate on job, honest, care and helpful to the client. He help to review my existing policies and listen to my needs then advise which necessary policies that require further. Not only that, he also shared additional information that's non related to his products but it has benefit me. Great to meet him and I'll recommend him to my friend if they require a Financial Consultant.

Wai Yeen, Business Analyst (IT)

Gary Giam

Senior Wealth Manager

Gary Giam

Senior Wealth Manager

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