YOUR RETIREMENT & SAVINGS NEEDS

Retirement :
- What is your ideal retirement savings amount?
- What is your ideal retirement age?

Do you know that retirement can last 30 years or more? And most of us are financially under prepared for retirement.

If you do not start planning now, you could find yourself still working hard just to maintain your living expenses at age 70.

What you need is Lifetime Financial Security and the 2 main concerns are how to prepare for and fund your retirement?

You would need a plan that offers steady returns over a period of time as well as potentially higher returns than bank deposits. A retirement plan that provides :

Certainty of retirement income (savings that can grow not decrease)
Retirement income that grows as investment grows
Control over money
Income for life

Let us help you start building your retirement nest egg today!

Visit my website for more details at : > www.financialplanning123.net

*****************************************************************************



*****************************************************************************

Children’s Education

Do you wish to give your child the best education? What if your child is bright enough to be eligible for University but you do not have enough savings for him/her?

Do you want to deny him/her of the chance to maximize his/her potential?

Inflation rate for education cost is 6% pa. Cost of a 4 yr local university education now = $24k. In 20 yrs time, the cost will be $76,971 !

Relying on endowment plans alone for your children’s university education will cost you a bomb – especially when you have more than one child.

Are there any other options available? The answer is a definite yes! Let us help you with plans and options that are easy on your pockets yet able to achieve your long term targets.

Start planning for your child’s University Education expenses today!

Visit my website for more details at : > www.financialplanning123.net

YOUR PROTECTION NEEDS

Life is full of uncertainties…

What is the first thing that comes to your mind when Critical Illness strikes?
Usually it is whether you would have enough money for treatment.

The expenses for treatment can deplete a substantial portion of your hard-earned savings. It can even wipe out your entire Medisave in months. But you can safeguard yourself against this.

Take up a Critical Illness Cover and your family’s finances will be one less thing to worry about. We also have the plans that provide comprehensive coverage for critical illnesses for your children.

How would your spouse, child or other dependants survive without your income?

It is important to ensure that you and your family are financially prepared should the unexpected happen to you, especially when you have heavy financial commitments.

How to secure your family’s future against uncertainties with the right insurance plans?

- Family Income Protection
- Major Illness Coverage
- Loss Of Income Due To Disability
- Health / Medical expenses
- Mortgage commitments
- Home
- Motor / Travel
- Accident / Injuries

All the above can set you and your family back if the unexpected happens.

Which one do you need? What can you do without? What is the ideal amount of cover you need? What plan is best for your family?

At Phillips, you are not restricted to a single insurance company product.

Instead, we offer you a wide variety of choices from 10 Life Insurance companies.

Our partnership with many well-known Insurance Houses like TM Asia Life, Aviva, AXA, UOB Life, Manulife, AIA, HSBC Insurance, NTUC Income, Zurich Insurance, and Transamerica Life Insurance, ensuring that you have the choice of insurance plans that will suit your needs.

How to get a Term plan with 300k of coverage for Death, Critical Illness, TPD & Terminal Illness for under $80pm!

How about Mortgage Insurance for 300k, 25 yr term for under $50pm?

How to get the best limited payment whole life plan – pay only for 25 yrs but get covered for your whole life , with an annuity payment option?


If you have an existing plan, we will be glad to review it and provide a second opinion. Your financial needs and priorities do change at different stages of your life, hence it would be necessary to review it from time to time.

Visit my website for more details at : > www.financialplanning123.net

Contact us @ 96900259 and we will help you shop for the best package in the market!