Joseph Teo

Associate Director

Joseph Teo

Associate Director

Joseph Teo is an Associate Director that has been with PIAS for over 18 years and has acquired more than 20 years of experience in the financial industry. Knowledgeable and well-equipped, he is an expert in retirement planning, estate planning, and is well experienced in both retail and corporate financial advisory.

As a professional, Joseph places utmost importance on his client’s interests and needs. As such, he believes that each client has unique needs and thus requires exclusive solutions.

Convicted to provide service with a heart and make an impact, Joseph listens intently to the experiences and felt needs of clients on the ground from all walks of life. He hopes that people are empowered to pursue their dreams and passion by giving them the courage and confidence in securing their financial well-being and goals.

A firm believer in constant learning and having a excellent professional ethic, he constantly strives to improve himself as he believes it will translate to enhanced service and value-add to his clients & the people around him.

Over the consecutive years, Joseph has received various awards and recognition like the Million Dollar Round Table (MDRT), Platinum Club and High-Performance Club in his career, which propels him even further to serve and stand out in the marketplace.

To date, he has successfully added value to thousands of families and clients, helping them with tailored sound financial advice. Check out the testimonials from his clients below.

Are you open to a Financial Portfolio review with Joseph? Click on the WhatsApp icon above to connect!

Work
- Professional Investment Advisory Services (PIAS)
Credentials

Newsletters

Articles Worth Sharing

Newsletter Issue 99: Incredible Moms

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

Meet someone interesting

I highly recommend Joseph Teo, Associate Director (Advisory) at Professional Investment
Advisory Services Pte Ltd.

His deep knowledge and extensive experience make him an excellent financial advisor.

In my interactions with Joseph, he has been incredibly personable and attentive. He truly takes the time to understand his clients' needs and goals, offering personalized advice and solutions. His meticulous approach and high level of care ensure that his clients' financial well-being is always a top priority.

Joseph is both professional and trustworthy. He has a talent for explaining complex financial concepts in a way that is easy to understand, which builds confidence and helps clients make informed decisions.

If you're looking for a dedicated, knowledgeable, and skilled financial advisor, I highly recommend Joseph Teo.

Marianna Ole, Co-Founder (Easy-Peasy
AI)

Meet someone interesting

I am writing to express my appreciation for your assistance in trying to find appropriate health insurance for my husband and me. We were under tight time pressure when we reached out to you and you jumped in and found some alternatives over a weekend. Very few people would have been as responsive as you were and we wanted you to know that it did not go unnoticed.

Although we ended up going with a different service, I wanted to be sure to express my appreciation for your efforts and would surely recommend you to other individuals.

Thank you and wishing you the best for 2021.

Lisa Robins Pauze

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Thank you for your great services over the years. You have helped me tied over difficult times with your patience, time and efforts in explaining to me and helping me planned out my finances so that I am more stable and feel more secure now.

Joseph would spend hours or even days or weeks just to make sure I fully understand what he has planned out for me. And he would go to the extent to draw it on paper so that I can fully visualize things. Most importantly, I can feel he wants to help and do his best for me.

Joseph's dedication and sincerity in wanting to help others has won my admiration and praises. He is definitely someone you can rely on and a friend to keep.

Lilian Loke, HR Consultant

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Joseph only started to work with me as my financial consultant 2 years ago when Professional Investment Advisory Services Pte Ltd came to my office to do a lunch talk and recommend him to me. Even though I really do not need another financial consultant because most of my investments are well taken care of, I decided to give him a try because I had made a decision to consolidate a number of my ad-hoc investments as they were not being looked after properly. The move to switch my investments from one of the banks to PIAS turned out to be the right move because Joseph personally reviewed the entire portfolio and recommended some changed for better balance. He is very thorough & knowledgeable, taking the time to explain each investment to me. He also makes effort to ensure that the recommended investments fit my financial goals. Because of his thorough and personal approach, I have been recommending my friends, both seasoned and new investors to Joseph. I am sure anyone will find Joseph to be a great asset in helping to meet your personal financial goals of wealth growth or preservation. Besides Joseph is also extremely helpful and thoughtful, even going to the extent of keeping me informed on the various aspects of Singapore Government policies and helping me gain an understanding the impact it will have on me personally. This is critical for me as I am constantly travelling due to my work and could miss important government announcements or policies while away. Thank you Joseph, for doing a great job!

Lesley Ho, Senior Vice President - Global QA Operations/Vendor Management (Li& Fung (Singapore) Pte Ltd)

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Joseph took over from my previous adviser who left PIAS to pursue a different career. Initially I was a little upset as I had built a relationship with my previous adviser for the past 4 years.

However Joseph slowly won me over with his sincerity and resourcefulness. Whenever he recommends any product, he takes extra effort in presenting to me the alternatives and explaining why a certain plan is more suited to my needs. He has done a good job so far and I hope he stays in the business for a long time to come!

Dr Nor Azhari Bin Mohd Zam (Urology, SGH)

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Joseph has been providing sound advice and impeccable service to me and my family for 3 years now. He presents fair and balanced views that assist me in making financial decisions. He understands my needs for future financial security as well as adequate protection for my family. He is able to translate the policies to allow a lay person like myself to understand the solutions he offered. I’m glad to have been able to benefit from his top-notch service indeed.

Dr Darren Seah

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I have known Joseph for nearly 3 years, from the time when he was with OCBC bank until now. He is very approachable, hardworking and diligent in managing my investment. I would recommend him to anyone who needs a Financial Adviser.

Andreas Tan, AVP Pre-Sales (PCCW)

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Joseph has been my financial planner for more than 3 years and I have been very satisfied with his services and approach during this period.

Being a busy professional, it is difficult trying to juggle work and finances on top of other commitments. Joseph provides a reassuring presence and maintains an excellent balance between updates on pertinent changes in the financial situation and the need for regular reviews.

During our meetings, Joseph makes it a point to explain jargon and terminology in a patient and easily understood manner. Furthermore, he does not hesitate to take additional time to clear any doubts and ensure that all issues are clarified.

In addition, he sends out weekly informative emails on up to date issues that make for good reading. Coupled with an attention to detail, I would recommend Joseph highly as a financial advisor.

Dr Yeo Tee Joo (Cardiology, NUH)

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I have been very fortunate to be introduced to Joseph and he became my financial advisor. In the years that Joseph has been advising me on my financial affairs, he has always been thoughtful and insightful with regards to my needs, rather than his own. His investment suggestions have been sensible and fair, and even in the current challenging conditions Joseph has continued to be driven by a desire to serve my best interests, rather than just being a salesman. I think of Joseph as much as a friend and a business advisor whom I can always turn to for any number of matters, and am confident of his understanding. I fully trust Joseph to figure in my personal financial needs for many years to come.

Anna Lim, Associate Account Director (Dentsu Singapore Pte Ltd)

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Joseph has displayed great passion and dedication in his work, never once put me at ease and at all times during our meeting, demonstrated his competency and knowledge in his field of work.

He has done a pretty thorough assessment of my overall financial health. His analysis has prompted me to sit up and reflect on the various shortfalls in my financial health, particularly on wealth creation and planning for retirement.

I would not hesitate to recommend Joseph’s service to others, as I firmly believe that he would be able to help and advise many others out there who should, but are not aware, of the importance of financial planning.

Teresa Ong, Accounting Officer (Panasonic)

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I known Joseph since 2008, when my former financial advisor left and he took over his colleague’s duties. Joseph quickly fills the gap and is very helpful in my financial planning. I can always get prompt reply from him regarding my inquires and doubts. He puts the interests of his client first and proposes financing products based on my true needs. I'm satisfied with his services.

Liu Mingchun, Senior Engineer (ST ERICSSON)

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Thank you. For your time and effort in organizing and enlightening me on my portfolio without obligation. You have helped me to gain better understanding of my financial standing, thus I'll be able to have a clearer financial direction and planning.

For the numerous articles on financial awareness and management and related matters, as I'll never have the time to search and focus on such issues. It's really beneficial to know!

For not just your professionalism but the sincerity and friendliness which makes me feel comfortable to share with you my financial standing. Wishing you the best & a bright future!

Yvonne Sim, Sales Manager (F
T
Industrial Supplies Pte Ltd)

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Joseph is a dedicated financial adviser. He has genuine interest in the client’s financial well being and interest. I am deeply impressed with his professionalism and competency.

Li Hui Jing, Business Development Manager (Asset Management)

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Joseph Teo impressed me from the start by his tireless efforts to find out what matters to me, my risk profile and what my goals were before making any recommendations. He has helped me put together a diverse portfolio. His honesty and his sincere personality ensure that I would like him to advise me for many years to come.

Leong Yoke Cheng (LTA)

Meet someone interesting

Being a Financial Planner, Joseph has been able to provide me with adequate information and advice during various decisions making stages. With all these information, I was able to make sound decisions on insurance and financial investments. Joseph also conducts himself professionally and is always interested in clients ’ well- being by sending regular market updates to his clients. I would say a big thank you to Joseph for all his services rendered to me on managing investment portfolio.

Adrian Lai

Meet someone interesting

Joseph is a very helpful and commits to his clients requirements. He has well defined and broad spectrum of suggestions for his clients to choose from. He acts more as a friend rather than a agent to his client so as to fully understand the needs of the clients to fulfill their needs. He is indeed a person to be recommended for one to consider leaving their future in the hands of a trustworthy person

Punithan S/O Shanmugam, Senior Executive Engineer (BCA)

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Joseph is both a friend and an adviser. He's diligent in keeping me informed by sending weekly articles on all topics revolving financial and retirement planning. He's prompt in updating of market movements and processing of deals. We have a respectable client-advisor relationship and I am pleased with Joseph's help in my investment portfolio management.

Andrea Tay, AVP Cable TV Services (Starhub)

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Joseph is ever so patient and detailed on the explanation on my financial status. He had spent two discussion sessions with me on the amount of money I could afford to invest, as well as the level of risk I am comfortable with. I am grateful that he has given his professional guidance that provides me a greater monetary return in my CPF account. I am very happy with the performance of my investment and feel reassured that I have taken a very positive step in the right direction to secure my financial future. He is very knowledgeable to share his views on emails to his clients. I enjoyed reading them and find benefits on the articles that he sent. Overall, I am pleased with Joseph's professionalism as a Financial Advisor.

Joyce Ling, Sales Manager (A & One Precision Engineering Pte Ltd)

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Having known Joseph Teo since his working days with OCBC, he has convinced me with his in depth knowledge on investment and returns. Soon after, when he joined Professional Investment Advisory Services Pte Ltd, with his professionalism and analysis done on the market has again convinced me to invest my CPF fund and have him look after my portfolio. Now I have started doing cash investment, this proven Joseph is someone that spends lot of time in studying and analyzing the market, look into ways to increase our wealth.
In addition, he often send us write up on the market regularly and this certainly helps people like myself, to understand and to know what and how to achieve my goal, a early retirement. In short, Joseph looks after my interest and well being.

Patrick Chong, Senior Finance Manager (Hitachi Home Electronics Asia (S) Pte
Ltd
)

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In his capacity as a financial adviser, he is an extremely dedicated individual, and he has demonstrated himself to have a very good and sound knowledge of the investment and financial markets. His advice has on many occasions bear fruitful results for me, an investor who decided to use the IFast platform to grow our personal wealth. Whilst adopting a professional approach in handling clients, he is also a very concerned individual who is generally interested in his clients' well-being. Joseph Teo will be an asset to PIAS, and we wish him well in all his future endeavours!

Amy Tuah, Account Manager (Honeywell)

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As a financial planner, Joseph has been both professional and approachable. He is well-prepared for each meeting and is responsive to any queries that I have. I always enjoy my regular sessions with him where he will share with me his views of the market to help me make informed decisions about my investments. His regular updates to me about various issues related to financial planning are also extremely helpful, especially for busy people who are too caught up with daily work. Adding to the fact that Joseph is friendly and helpful, I am glad to have him as my financial planner.

Lee Hoi Leong, Account Manager (International Enterprise Singapore)

Meet someone interesting

Before meeting Joseph in 2007, I have invested in a number of financial products with other agents. Initially, I was skeptical to invest in the products which Joseph recommended as he had a shorter experience compared to the rest of my financial agents. Hence, I am not sure if he could help my investment grow.

What changed my view was the way he handled his clients’ investment during the recent 2008 financial crisis. Joseph proactively shared the most financial news and advised his clients (including me) to channel their investments appropriately to preserve their wealth. It is very comforting for small investors like us to know financial advisor who takes care of your wealth as if it is his own. Joseph is very passionate in his work and actively keeps himself abreast on the latest financial developments. In fact, he always share with his clients on the financial news and will respond to his clients’ queries promptly.

With his professionalism in dealing with his clients’ investment and passion in this industry, I strongly recommend him to those who are ready to invest.

Tay Siew Lam, Manager (Integrated Health Information Systems Pte Ltd)

Meet someone interesting

I am most delighted to write an endorsement for Mr Joseph Teo. Joseph has been taking care of my insurance and investment needs since March 2009.

Joseph came highly recommended by my sister so I decided to check out what Joseph had to offer. It took the next few meetings for me to understand the value delivered by independent financial advisors like Joseph and why I chose to work specifically with Joseph. Through our many interactions, I have found Joseph to be a very dedicated financial advisor. He meticulously worked through my financial portfolio to sieve out the unnecessary fat. His independence allowed him to tailor products from different underwriters and investment houses to suit my specific requirements. This is evident when my wife and myself rebalanced our insurance and investment portfolio. Further, he helped me source for a better car insurance while reducing cost.

I am certain that Joseph's excellence in his service extends to all his customers. In fact, a good friend I recommended also shared the same praise for Joseph. So I refer to you Joseph, who I believe is a dedicated, meticulous and professional financial advisor.

Tan Wee Yeh, Principal System Engineer (NUS)

Meet someone interesting

I have engaged the services of Joseph Teo from Professional Investment Advisory Services Pte Ltd (PIAS) since the middle of 2010. In my dealings with Joseph, I have found him to be professional and knowledgeable in the wealth management services that he offers. He is constantly thinking out of the box in ways that he can help me with my investments and also for my personal well-being.
I would not hesitate to recommend Joseph’s services to anyone who is looking for a diligent and conscientious Financial Planner.

Ch’ng Soo Keat, Vice President, Technology & Operation (Master Card Worldwide)

Meet someone interesting

Mr. Joseph Teo is the Associate Manager with Professional Investment Advisory Services Pte Ltd (PIAS). Joseph has provided services to our firm, F.T. Industrial Supplies Pte Ltd (FTIS) since 2008.

He started out by structuring seminars and organizing talks for our staff which are very practical and informative. He went on to provide services and recommend appropriate group insurance schemes for FTIS. During this period, Joseph has proven himself to be professional and ethical. His services are prompt and efficient and have assisted FTIS when making claims.

I would not hesitate to recommend or provide referral of his services. Thank you.

Evon Chan, Financial and HR Manager, F
T Industrial Supplies Pte Ltd

Meet someone interesting

Joseph Teo has been a great help during the evaluation and selection of the right insurance Group Hospital and Surgery Insurance coverage for our company.

He is resourceful and professional in his work. Based on what or management needed, he did his research well and explained the different features of those packages before recommending the most appropriate one.

There were a few occasions when my colleagues needed assistance in their claim process, Joseph was always prompt in rendering his service until the claim was paid We are thankful to him and highly recommend Joseph to anyone for his dedicated services and the company he is representing.

Crystal Eng, Finance Manager, ITS Science & Medical Pte Ltd

Meet someone interesting

Joseph has been a great financial advisor and has been conscientiously assist the company with all the insurance needs.

He takes extra efforts to do his own research and give a detailed analysis of all the products requested for and this is greatly helpful to us as end users who are not familiar with the advantages and disadvantages of the product.

I enjoyed working with Joseph and look forward to many more years of collaboration ahead. Keep it up.

Pearlin Lew, HR & Admin Manager, Global Capital & Development

Meet someone interesting

I find Joseph Teo to be a dedicated and professional financial adviser who is able to provide sound investment and financial planning advice. He is also conscientious in sending clients weekly articles on his analysis of financial matters, which I find to be very informative and useful. More importantly, he demonstrates a personal touch in handling clients and is prompt in meeting clients’ needs.

Thomas Wong, Director (Ministry of Manpower)

Meet someone interesting

I met Joseph many years ago at some seminars he was involved in. I did not have time to keep in touch with him then. I chanced upon Joseph at a recent webinar on Estate Planning. Having learned that I needed advice on this area, Joseph did not hesitate assist me even though Estate Planning is not part of his work. Setting up a Trust, getting a Will, LPA and an ACP(Advanced Care Plan) done initially seemed very daunting to a lay person like myself. Joseph had not only been reassuring but he also walked me through the processes. He is indeed a great navigator who would go the extra mile for his clients. Besides demonstrating professionalism in his work, Joseph is also a caring individual who is interested in his client's well being. His sincerity and friendliness makes me feel comfortable to share my personal and financial standing with him. I'm glad to have Joseph as my estate/financial adviser as well as a friend.
I'll like to wish Joseph all the best in his career and future endeavours.

Elizabeth Lau

Meet someone interesting

I would like to take this opportunity to express my heartfelt thanks to you for your painstaking work of going through my insurance portfolio prior to identifying areas where I should consider additional protection. You also provided sound investment advice when you prompted me to make a fund switch from one my holdings with you.

Your knowledge of the investment vehicles at your disposal, customer-focus and follow-ups sets you apart from others. On both a professional and personal level, I really appreciated the time when we had to discuss a range of topics from insurance, investment and to catching up on our school times. I wish you all the best in your future endeavours.

Vincent Wong, Manager Consumer Products – New Media Applications (SingTel)

DISCLAIMER

DISCLAIMER

The views and opinions expressed are solely that of the author /or information shared by third parties and do not reflect the opinion of Professional Investment Advisory Services Pte Ltd. The information shared here are for general information only and does not constitute the provision of financial advisory services. This information has not been reviewed by the Monetary Authority of Singapore

Joseph Teo

Associate Director

Joseph Teo

Associate Director

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