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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.

 
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Children and Retirement

 
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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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Azry Ismadi. Technical Service Representative

I have been with Prudential for quite some time and Janice has been very closely updating my insurance plans from time to time. I'm not worried about my insurance coverage as her explanations were brief and clear. Absolute satisfaction under her care. Thank you!

Nurmarliah bte Mohamad Ali. IT & Media Coordinator

My husband, who has known Janice since we first got married, was the one who initially introduced me to her. She was warm, friendly, and interested in learning more about me and determining what type of coverage best matched my requirements and concerns. Without a doubt, her clarifications helped to dispel all of my doubts. I got the chance to evaluate and inquire about my alternatives with her. She patiently addressed all of my queries during our lengthy conversation. She also gave me different aspects, discussed the significance of a particular policy with me, and made sure to carefully analyze my budget, including all of my month-to-month charges. I feel completely at ease confiding in her and most crucially for me, I never felt pressured to sign up for those policies since she never used coercion or attempted to persuade me to sign up for something that wasn't in my best interest. Janice is also well-organized, adaptable in her communication style, respectful, and aware of my preferable schedules. In conclusion, if you require a professional insurer that is sincere, competent, and reliable, she will undoubtedly be the one you should pick.

Nur Atiqa. Policy Administrator

Janice has been our financial advisor for more than 7 years. She will make a point to at least meet once a year to review our policies together and catch up as well. Whenever we require her assistance, she will be quick to respond. She has also helped us with our claims and the process was fuss-free. She is reliable and knowledgeable.

Muhammad Iskandar Bin Ishak. Student

I just wanted to say a big thank you for your help in my financial planning. Although I do a little bit of planning on my own, you gave a lot of valuable information and inputs with regard to life goals (the overall big picture) and helped me to look out for what I am missing in my plans.

Lasith. Solutions Architect

Being known for more than 5+ years, Janice is a friendly and supportive Insurance and Finance agent. She is very informative and able to address the client's need up to the standards with thorough details and explanations. I would highly recommend Janice to anyone who is looking for Finance or Insurance agent without any hesitation.

Muhammad Reduan Bin Alias. IT System Administrator Analyst

I have been a client of Janice Sam, my Prudential agent, for over a decade now, and I can confidently say that her service has been nothing short of outstanding. Throughout our long-standing relationship, Janice has consistently demonstrated professionalism, deep product knowledge, and genuine care for my financial well-being. She always takes the time to explain policy details clearly, ensuring I fully understand my options before making any decisions. I appreciate her transparency and the fact that there is never any pressure to purchase unnecessary products—she truly prioritizes my needs and budget. Janice’s dedication goes beyond just being an advisor; she treats her clients as friends, making every meeting comfortable and stress-free. Her patience and commitment are evident, especially when she provides regular updates and guidance, even during uncertain economic times. I have always felt assured that my interests are her top priority, and her sincerity and honesty have built a strong foundation of trust between us. I highly recommend Janice to anyone seeking a reliable, knowledgeable, and caring financial advisor. Her passion for her work and her clients’ well-being is truly commendable, and I am grateful to have her as my trusted Prudential agent.