| 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. | | Planning Ahead Is the Key to Living With More Spontaneity Scheduling spontaneity doesn't lessen the joy of spontaneity; it enables it. You still have the freedom to do whatever strikes you in the moment - even more so because you know that's exactly what you intended to do. | | 10 Reasons To Start Christmas Planning Early With a bit of forethought, there's no reason it needs to be quite as nerve-wracking or frustrating as often the days leading up to the holidays are. So, in case you're not entirely convinced of the benefits that early preparedness brings, let's take a look at the 10 reasons to start Christmas planning early. | | What are the chances? We can't predict the future, but we can plan for it. But why does this even matter? Meet some ordinary people thinking about these things. | | Proudly Brought to You I seek to reach out to people who believe in safeguarding the interests of their loved ones. Let me know if I can be of help to someone you know or care about. We can make a difference to lives when it matters most. Cheers. | | Muhammad Syamim | | | | | | | | unsubscribe | You are receiving this email because you're my client, a friend or you've given permission to receive this email. If you'd rather not receive our emails, you can unsubscribe from our mailing list by clicking 'Unsubscribe' above. DISCLAIMER These newsletters are meant for daily general reading and are not representative of my own individual opinions © Muhammad Syamim, All rights reserved. | | | | Elly (Finance executive) I chose to meet Syamim because I wanted a true financial advisor—someone who provides genuine advisory service rather than a typical insurance salesperson approach.
The most beneficial part of our meeting was how clearly he explained the policies I had signed up for, the coverage I currently hold, and the financial projections for my portfolio. It gave me a much better understanding of where I stand and what I should plan for moving forward.
This experience was significantly better than my previous financial planning sessions. My past agent tended to hard-sell without taking the time to understand my needs, but Syamim did the opposite. He took the time to learn about my situation before giving thoughtful advice.
Yes, I would definitely recommend this meeting to others. | | | | Adilah & Khai I met Syamim after he planned with my mom regarding her insurance, I feel that he is great financial planner in terms of how to save, what criteria is important at the current stage of life and recommendation on what to do next.
The most beneficial part of the meeting would be the explanation on insurance. As I feel like nowadays, we don’t know when we’re gonna get into an accident/death/illness. Hence, this will greatly benefit my loved ones that I nominated for. Also, the part where he alters the monthly savings required to suit my needs to which I’m comfortable with.
We are able to plan financially about our current stage of life as my husband and I are going to be new home owners. So that’s another thing where Syamim has taken into account also.
I strongly recommend Syamim to others as he is very knowledgeable in all aspects that we can think of. Investment, saving up, loans and etc. He will be able to draft up a financial plan that caters to our needs and that we’re comfortable starting with. Also, he is able to alter the plan if there was some hiccups in the way which is great! All in all, he really is the best at what he’s doing!! | | | | Shahril & Sarfina I got to know Syamim during NS and a few years later, when me and my partner decided to get ourselves insured and do some financial planning, I knew who to call.
Syamim is very professional and efficient in his work. He gives the best financial advice to tailor to our needs.
We would strongly recommend Syamim to anyone who’s looking for a financial advisor. | | | | Xin Ni (Pharmacist) Syamim is one of the few financial advisors that go that extra mile. On top of being knowledgeable in the financial field, he:
* Patiently sits down with you through multiple sessions to understand your financial needs before sharing his recommendations
* Gives you a Holistic overview of your finances throughout your life after mapping it out with you, using easy to understand graphs and excel models (no overly complicated excel formulas involved!)
* Explains to you the different financial tools you can use (not limited to insurance policies only) to achieve your financial goals, taking to account your life circumstance and your goals , and ensures that you understands before embarking on anyone of them
* Takes to account your current insurance plans
* And most importantly, respects your final decision
I happen to just met Syamim at the point where I started to have quite a number of insurance policies and is not sure which are necessary, coupled with having huge expenses coming up in my life. Initially I didn't expect much from his sessions, but after each session, I seem to have gained new knowledge and understanding on my current financial situation, and is empowered to make right decisions.
I would definitely recommend Syamim to anyone who is looking for a person to properly guide them into managing their finances in their lives, as he doesn't see you as a customer/client, but treats you as a buddy that wants to help you with managing your finances. | | | | Joshua (Civil Servant) Syamim was a recommendation from a colleague of mine, as Syamim had been his advisor for many years. After my first meeting with him, I found that his financial planning for my goals for both my short term and long term were very well done and in-depth. The advice given has been extremely beneficial for me.
He was able to show roughly how much I would have if I have saved and how much I required for my specific goals in life, so that I would be able to not worry about my finances.
As compared to other financial advisors, Syamim gave a more personal touch I feel. He seemed more genuine and only advised me on what I needed. I felt more comfortable, especially since he was also in my shoes during his NS, and he understood what risks there were and what challenges I may face financially or physically in my line of work.
I would definitely recommend meeting Syamim! He is very down to earth and genuine. He looks out for his clients, and regularly checks in to see how we are doing. Definitely would recommend him to others! | | | | Farishah (Nurse) & Suqiman (Firefighter) Syamim is a great person with great character. He is very trustworthy and provides excellent service. He has made the process of dealing with insurance easy. We also found him to be professional, knowledgeable, and empathetic to our needs and financial capabilities. He was able to get a handle on our needs and help us navigate our way around what we needed most.
More than that, Syamim treated us more like a friend than a client. He made us feel that he genuinely cares about everyone’s financial well being. His honesty wins our respect and trust. We appreciate what Syamim has done for us and we will definitely recommend him to our friends and family. | | | | |