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Janice Sam

In Touch

A Monthly Curated Newsletter

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?

Retirement Date Risk And Sequence Of Returns

Sequence of returns risk is a commonly cited risk for retirees, but an accumulator also faces sequence of returns risk in the form of retirement date risk!

 
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Key to retirement planning: Don't panic

It can be hard to live within your means after retiring, so make your extra funds work harder.

 
read more
 

Children and Retirement

 
view video
 
 
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I hope you have enjoyed this issue of my InTouch newsletter. Do feel free to contact me if I can be of service to you and your friends
 
Janice Sam
 
 
 
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Testimonials and Referral Notes

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Khairiah Binte Ramlan. Senior Accounts Associate

Janice has been an invaluable resource for my husband and me regarding our insurance needs. She ensures we fully understand the available plans and maintains regular communication to keep us informed. Her friendly and approachable manner makes her a reliable point of contact for all our questions. Kudos to Janice for her exceptional support—keep up the great work!

Dennis Loy SD. Teacher

Janice is a thoughtful and detail-oriented insurance agent who takes the time to understand what her clients need. She carefully explains all the options available, ensuring you feel confident and well-informed before making any decisions about your money.

Nguyen Thi Thuy Hien. Manicurist

I had the pleasure of working with my agent. She is professional, knowledgeable, approachable, and easily communicates with. I am completely satisfied with what I needed with the result. I would highly recommend Janice Sam.

Zainudin Bin Ab Malek. Commercial Diver

Janice is very committed and patient and never fail to try and have a meetup with me to explain more about my plan and other matter. She’s very dedicated and hardworking in terms of her client’s well-being and issues. She has a good PR and is very professional. Thank you for the wonderful service and kind gesture.

PANNERSELVAM. WSHO

Janice is incredibly responsive and helpful. Whether it’s a quick question or a big decision, she’s always there with answers I can trust.

Muhammad Sufri Bin Sulaiman. Shift Supervisor

Janice has been a great insurance and financial advisor for me for a good 10 years! I believe we met in 2015 (cant remember where and who introduced us!) but she took care of me well. Very patient and polite in her ways, never pushy or forceful. Thank you Janice for all the years managing my insurance! To many more years ahead!