Ken Goh

Senior Personal Wealth Manager

Ken Goh

Senior Personal Wealth Manager

CO Organization is a wealth management specialist district with an affluent High Net
Worth platform that is based in Singapore. Our dynamic team represents AlA Financial Adviser to
provide wholesome and one stop Premier Wealth Services and advice to our clients.

My Organization Motto: To Empower life, Your way. Creating Miracles, Serve, build and impacting our nation positively.

I believe in connecting with clients and discovering what truly matters to them.

My Purpose: To impact the country by merging both Wealth and Values.

A little Story of Me:
I am a Senior Personal Wealth Manager and Certified Affluent Wealth Adviser in CO Wealth Advisory Group and AIA for the past 9 years specializing in Retirement, Investment and Holistic Wealth Management for Affluent and High Net Worth Individuals. I truly enjoy and love what i do because of every single family and individuals whom i have connected with : assisting them in a holistic and wholesome manner.

Having deep and meaningful conversations with my clients is of my utmost importance,

I am truly grateful over the last 9 years for every clients and families i have met. The 9 years is truly amazing because of every single one that have given me so much opportunities and appreciated my work. The Directors, business owners, High Net Worth, the managers, engineers, middle income, low income, every individual plays a integral part in my business. Because of them I want to do better each day.

Thank you so much for giving me the same opportunity to serve you and your family!

I hope to be able to continue to serve all of you for many more 9 years!

I believe that Retirement is about having options in life; what and where to enjoy, etc. Whereas Investments is about building towards financial freedom.

A holistic planning will include the intangible assets as well : value systems, health, character, family, business, children, reputation etc.

With each session with me, I hope I can bring one more family closer to their Dreams and Goals.

If you find what I do value adding, please do not keep me a secret.

Work
- AIA x CO Organization
Credentials

Newsletters

Articles Worth Sharing

Newsletter Issue 87: Growth and Transformation: Nobody Said It Was Easy

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.

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.

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

Hi Everyone,

Ken has been my financial advisor for 4.5 years. In 2019, I was having financial difficulty over my insurance loan with Income. After I met Ken, with his knowledge in the field of financial planning and he is able to advise us of how to repay all the loans and still have money in hand to invest and share many financial tools available to grow my money. Ken always has the patience to explain the policy in details and make sure we understand before we sign.

I am so thankful to him for his advice and I am able to clear my debts that I am struggling for so many years with the increased interests that I am paying for so long years.

The 3 key qualities that makes a good Financial Planner is responsive, reliable and customer first. Ken possesses it all. He is always there for us whenever we need help on insurance matters. He will never fail to reply to our text messages and calls promptly – especially when he is in overseas, he will still response immediately. He is a responsible and truly cares for his customers even after office hours. Ken is always have a heart for us, at time, when he visited us, he will bring along some snacks for us or he will order something online to deliver to us. I have never received anything from other insurance agent and don’t even see them or hear from them at all. Ken is so different, he is always there for us attending to our needs. Ken is a very caring person, show respect, very polite, approachable and attentive person. He will always be there to help us to settle any problems that we may face and can’t resolve, he will be the one to resolve everything for us. With Ken, there is no problems too big for him to solve. He gets in touch with us regularly to check how are we getting on or is there anything he can help. Ken is really a very heart warming person in whom we trust and rely on. He is more like a family members and friend.

During these few years of his hard work, his company had recognised his ability, he was promoted to senior personal wealth manager. We are very happy for him because he deserved it.

Regards,
Mdm Ho

Meet my wealth manager

Hi Everyone,

Hi Guys!

I met Ken in the most amazing way. We happened to bump into each other while i was working in Orchard and we started chatting. Even though i just know him for 3 days, but h is very friendly and warmth. He explain to me in simple terms and communicate clearly with me the pros and cons of the account. He makes time to meet me and even treat me to meals to just catch up. Good job Ken! Happy to have u as my Personal Wealth Adviser!

Regards,
Hamzi

Meet my Wealth Manager!

Hi Everyone,

I met ken almost 9 year ago during a roadshow. I was very skeptical at first because of bad experiences such as financial advisors just wanting to earn quick bucks hence pushing products and leave the clients thereafter.

However, ken is really different. He sincerely follow up with me for 2 years!

With that, i gave Ken the opportunity to review my finances.

Over the past 9 years, he helped to tidy up my finances and cleared my debts. He is professional yet keeping it very friendly, a good listening ear, high commitment individual, most importantly, my benefactor who helped me in many ways.

I’m glad we met and both my daughter and i are very well taken care of. Over the years, i always share with my daughter that Ken is someone who is my benefactor, 恩人。

I would highly recommend Ken to everyone!

Regards,
Ginny, Nurse

Meet my senior wealth manager!

Hi Everyone,

KG is a sincere, attentive, hard working and professional advisor with great commitment towards his clients. He is always prompt to reply. He patiently explains in depth details. He goes the extra mile to understand my needs. There are just too many viewpoints - numerous financial advisors and insurance/investment plan options. After working with KG, I believe that my mother and I made the right call as we fit well together. We can trust his character and we are confident in his work. First impression usually forms within 7 seconds - KG always wears a genuine smile whenever we meet up. Thank you for being a part of our lives!

Regards,
Keng Ling & Mdm Tay

Meet my Senior Wealth Manager

Hi Everyone,

I got to know Ken as my husband's agent. Ken has been servicing my family for many years now. As i'm pregnant with my 4th child, i discussed with my husband and we came to conclusion to take up Ken again for my prenatal insurance. Not to my disappointment, Ken actually helps me through the portfolio and helps me understand on the accounts and application.
With his detailed yet simple explanations, he makes the whole process enjoyable!
Overall, satisfaction. I would highly recommend Ken.

Regards,
Faizal and Waty

Meet my friendly Senior Wealth Manager

Hi Everyone,

Thanks Ken for taking care of my family and my son for the past 5 years. This time I wanted to buy some insurance to make sure my loved ones will continue to sustain their lifestyle if something happen to me unexpectedly. He explained very clearly yet simple enough for me to understand. He is very friendly, able to connect well and understand my needs. He highlighted to me the Pros and Cons about the account and wasn’t pushy at all. I feel very comfortable that Ken is taking care of mine and my family’s finances. I will highly recommend Ken to anyone!

Regards,
Mr Koon, Technician

Meet my friendly Wealth Managers

Hi Everyone,

Many thanks to Zheng Yao and Ken for the great advice and sharing of sound proposals to facilitate my retirement planning. You are great listeners and attentive to details, which I appreciated much. let's keep in touch and wishing you all the best!

Regards,
Mr Ang

Meet my mentor!

Hi Ken's friends, family, clients & future clients,

I have had the opportunity to work alongside Ken for a few years now in CO Wealth Advisory. Through his guidance & mentorship, I've witnessed the dedication, meticulousness, compassion & drive to help every client.

The 3 key qualities that makes a good Financial Planner: "Responsive", "Reliable" & "Customer first" Ken possesses them all. Moreover, keeping things simple (financial jargons) & fun for every individuals he meet. Ken has been in the industry for the past 8 years & counting, just a sincere and positive person who is capable of looking at things from a different angle.

I've had the privilege for a couple of joint field works with Ken over the years.
As Ken's specialisation is in Retirement (not limited to), I'm in awe, especially in the beginning of my career, seeing the way he interacts and taking the time to understand individuals planning for their retirement, eventually aiding several clients to have their very own bespoke 'Private ATM' which will pay them during their retirement years.
I will have to point out the professionalism and competency he exudes. All in all, an endearing Senior Personal Wealth Manager.

Truly blessed & proud to have Ken as my friend, my brother, my mentor.

I strongly believe everyone needs such an individual in their life, especially more so in this industry and country.

Regards,
Alex Chan, Wealth Manager

Meet my Mentor!

Hi Ken Goh’s friends, family, client and future clients,

Ken has been my mentor for the past 6 months in CO Wealth Advisory. I have been working hand in hand through joint field work and coaching with Ken which led me to grow so much not only in my career related aspects, but as a person as well.

He is able to bring out the true essence of being a real advisor in the area of his specialty in Wealth Management and being a Holistic Retirement Specialist.
Through our partnership, I have witnessed firsthand the impact that how Ken’s advise can have on people's lives.

From my observation, Ken is patience, empathy, and a willingness to listen and understand the unique needs of each individual client. It also requires a constant dedication to learning and staying up-to-date on the latest industry trends and regulations. I have seen how Ken constantly provides the up-most important details to his existing clients.

I am truly appreciative honoured to have a brother, a friend, a mentor like him ♡

I will highly recommend Ken Goh to anyone looking for a knowledgeable and reliable Wealth Specialist. He is dedicated to their clients and always puts their best interests first.

Regards,
Zheng Yao, Junior Wealth Manager

Multi Award Financial Agency

Thank you for allowing me to serve all of you. You all have been very supportive towards my company and me.

Thank you for constantly referring your friends and clients to us!

Ken & CO Wealth Advisory

Premier Wealth Services

CO Wealth Advisory is a wealth management specialist district with an affluent High Net Worth platform that is based in Singapore. Our dynamic team represents AIA Singapore to provide wholesome financial solutions and advice to our clients.

CO Wealth Advisory

One Stop Solutions

The Premier Wealth Services we provide in CO Wealth Advisory Group. A one stop solution.

*Wealth Management *Estate Planning *Mortgage Advisory * Medical Insurance * Employee benefits (Eg, Keyman insurance)

Should you require any of our services, please contact me @93207656

Ken

Meet my Senior Wealth Manager!

Hi Everyone,

I have been working with Ken since 2017. The way he handles my family portfolio and my finances is of high standard and assurance. My observation over the last 7 years with Ken, was that he is very detailed yet sincere at the same time. He truly cares about family Values and Wealth. Even over the last 7 years, he stayed connected with me and never fails to disappoint. I’m glad that i met Ken and I’m sure whoever that is meeting him will definitely be in good hands!

Regards,
Sharif, Project Manager

Meet my Wealth Managers

Hi Everyone ,

If you are looking for professional and approachable wealth managers, I would like to recommend Ken and Alex.
After a call to make our first appointment, Ken and Alex presented me very clear introduction of why and how I should invest for a high quality retire life. In another week, they presented me again how I should achieve my goals with my current financial situation with clearly illustrated charts and figures. Quickly and smoothly, I have my investment profile set within a month and start to earn!
Managing wealth to secure a future life with quality is not an easy business by myself, facing all the confusing comments and statistics. But luckily, I have Ken and Alex to plan the investment and watch all the trendlines for me.
Finally, I hope you can have an enjoyable life.

Regards ,
Qian

Meet my wealth managers

Hi Everyone,

Adulting can be daunting, especially when it comes to making sure that I am making good financial decisions. The sessions with John and Ken are comprehensive - they help review if I am adequately protected and if I am on track to reach my financial goals. I feel assured having John and Ken as advocates and accountability partners in my journey towards financial freedom. I would recommended them to anyone looking for experienced consultants who take a data-driven and evidence-based approach in their recommendations.

Regards,
David, executive

Meet my Wealth Managers

Hi Everyone ,

I am grateful to John and Ken in supporting and accommodating to the different needs I was looking. I was also able to comfortably share my worries and queries without judgement and be provided with relevant advice. I truly enjoy the sharing sessions, they are great presenters that pace the info well and take into account my condition for that day. I am happy with their support and hope to have lasting partnership.

Regards,
Ms
A

Meet my friendly wealth manager

Hi Everyone ,

i am happy and grateful that i have met ken i have learned alot through this session about how this plan could benefit my savings. Ken is a wonderful, friendly and cheerful human being his tone of speech is remarkable and clear such a wholesome person i must say, i hope people can benefit like how i benefited today through this lesson.

Regards,
Lingges

Meet my wealth managers!

Hi Everyone ,

I am thankful for ken and jasper for being friendly and approachable and explaining to me the process. They are the nicest and sweetest yet the most professional whenever we meet. They have answered the questions I have and made sure I was comfortable before going through the process. Thank you so much:) will definately recommend them to others.

Regards,
Nisa

Meet my Wealth Managers

Hi my friends! ,

I am thankful to John and Ken for providing me with valuable information, and being patient with me when I wasn’t sure about whether I would want to join and also being very detailed with their explanations, both John and Ken are also very cheerful, relatable and professional during the sessions I attend. Overall I am happy to have met them and enjoyed my experience with me.

Regards,
Jia Xin, Clinic Assistant

Meet my sincere wealth managers

Hi Everyone ,

Thanks John and Ken for offering me valuable advice on my finances. I feel that the policy offered suits my needs and the details are explained thoroughly. Overall I had a pleasant experience going through the application process. Thank you for your sincerity and professionalism.

Regards,
Mr Thet, Engineer

Meet My Wealth Manager

Hi everyone,

I am thankful to be able to meet John and Ken as they have provided me with valuable insights towards investments, which i feel have benefited me greatly. Any queries which i have were answered promptly and the multiple sessions held were informative and interactive. There were mini exercises done also such as retirement calculator which helps me to gauge better if i was able to manage my finance. Overall, I have greatly enjoyed my experience with them and their services are highly recommended.

Regards,
Vernasa, undergrad

Providing Options & Variety

Hi Friends, clients and future clients,

We believe that Enjoyment and Retirement is about having options. Which car to buy, where to travel to, which gifts to get for ourselves and loved ones.

If we can’t even take care of ourselves first, how do we take care of others?

With that, I hope i can bring you all one step closer to your goals through our discussion.

Regards,
Ken

Wealth Segregation

Hi Dear Friends, Clients and Future Clients,

These are some of the wealth segregation ideas i work with and it guided myself, my clients and friends. Ultimately, it’s not so much about how much we earn, but it is about how we manage our finances.

Thank you for giving me an opportunity to connect with you all.

Regards,
Ken

Hardworking, proactive and trusted wealth manager

My family are very thankful to have Ken as our personal wealth consultant. He is very professional in handling our financial planning and given us lots of valuable advice and knowledge. He is a very hardworking person that will never disappoint you. No matter what challenges you have given to him, he always go the extra miles to assist you and help you to solve your problem. He is always very cheerful and most importantly very patience towards us. He is proactive and sharp when managing any matters thus, my family entrusted him that the investment we put in will be in good hand. We trusted him and really appreciate his service and will recommend him to eveyone.

我的家人非常感谢Ken担任我们的个人财富顾问。他在处理我们的财务计划方面非常专业，并为我们提供了许多宝贵的建议和知识。他是一个非常努力的人，永远不会让你失望。不管你给他多么难的挑战，他都会尽全力帮助您解决问题。他总是很开朗，最重要的是对我们很有耐心。因此，他在处理任何事务时都非常积极主动和敏锐，我的相信他一定能帮我们投入的资金处理的井井有条。我们非常感谢他的服务，并会推荐他大家!

Mr and Mrs Goh

Meet someone interesting

I am so glad to meet ken @ Pet Expo '17. Got introduced about Diabetic Care and then he helped me to review my portfolio of policies.

Ken is knowledgable and most important is that he is trustworthy. With his review and help, my retirement is well anchored.

Thank you Ken!

Eng Heok, Product Manager

Meet someone sincere

We are thankful to have Ken as our consultant. He has provided service to our family these few years and we are very satisfied with his service. Thus, with the additional of our family member, we have continued to entrust Ken to assist us in making informed choices. He is professional, flexible and steadfast in handling matters. We feel assured and have faith in him which is important given our busy schedule and he was able to highlight important matters to us. He also go the extra mile to try to fulfil requests made by us which we were appreciative of. Thus, we will highly recommend his service to everyone.

Thank you.

Jolina and family

My trusted wealth manager

I am very impressed of the way he handled my investment portfolio and re-optimizing my financial structure. He conduct his business professionally and update me regularly these years.

Ken is very knowledgeable and friendly. He is also a specialist in his area of work. Highly recommended to everyone out there! If you guys ever meet up with ken, get prepared to have a fruitful time.

Thank you!

Zack, Officer, Army Regular, SAF

Meet my diligent wealth manager!

Hi Everyone,

I was actually participating in a Singtel 10000 step challenge and without knowing, did not realise that I also allowed an AIA agent to approach me.

Ken subsequently called me and at this moment in life, I was also looking seriously into retirement planning but my current AIA agent is not up to my expectation.

So, I let Ken take over my CPFIS portfolio and also bought a new CPFIS policy from him. Once he receives updates, he will painstakingly inform me too.

If only all agents are as diligent as Ken!

Regards,
Mr Chew, Teacher

Meet someone interesting

Hi All friends and family,

Ken and Wanjun give me the assurance and confidence that they will do a good job in taking care of my portfolio! Professional, approachable, and I am very impressed! They are competent in managing my policies, and are always there whenever I have doubts.

Highly recommended! All of you should meet them!

Regards,
Sarinah

Meet my wealth manager

Hi everyone,

I got to know Ken and Wanjun through my sister. I was a little skeptical initially, but after meeting up with them, I was so impressed by their professionalism and sincerity!

They are very knowledgeable and simplify things for me to understand better. I am thankful for them because I am closer to my retirement goals now. Most importantly, Ken and Wanjun are very friendly! AIA needs more Wealth Manager like them! I would highly recommend them to anyone!

Regards,
Rozana

Meet someone interesting

Hi Everyone,

I am glad Ken was able to fight for me my case to have my policies include critical illnesses coverage which most other Insurance Company had rejected.
Now my family has the necessary protection should anything happen! Thank you!

Regards,
Chye Tiong, Engineer

Meet my friendly consultant

Hi Everyone,

Known Ken via Little Bright Twinkle and was glad that ken was able to do a great financial portfolio to both myself and my kids without having to strain my finances. With that, i am goad that my kids have the necessary protection as requiredz really glad to have met Ken! Thank you!

Regards,
Kernis

Meet my Consultants

Hi Everyone ,

Aaron and I are glad to have met both of you so that we can understand better our portfolio. I appreciate the professionalism that comes with a sincerity. A heart that wants your clients to be covered adequately without having to invest in duplications. AIA needs more of such excellent services and not just agents who tried to sell policies without understanding the needs of people.

Regards,
Aaron, Aiwei & Baby Calla

Meet My Adviser

Hi Everyone ,

My family and I are very appreciative of Ken's efforts to assess our finances and to offer advice. I knew he was sincere and professional when he offered us insurance options which were realistic and met our expectations.

This process took quite some time because I am very fussy and insist on knowing every single detail, but Ken took it in his stride. In my experience, Ken is competent. Most importantly to me, he is sincere, punctual, approachable; he listens well, and is able to really understand our concerns, and then present convincing arguments in a rational manner. Aside from his knowledge, his courtesy, mutual respect and professionalism go a long way. I highly recommend him.

Regards,
Imran

Meet my friendly advisor

Hi Derek,

Grateful that my friends from CO wealth advisory have come to help me in my financial portfolio planning. It is good that through their patient and careful explanations that I have profited much in these current complicated financial situations. He is not pushy and very knowledgeable. Highly recommended! Do meet him.

Regards,
Patrick

Meet my interesting consultant

Hi everyone,

Ken is very relatable and easy to communicate with even though i come from another country. I am impressed with the way he conducted himself throughout the entire time. Very professional and knowledgable. He helped me in every way possible to make sure my objectives and needs are met. He helped me to realise my dreams and make it possible. Highly recommended to all my friends in Singapore!

Regards,
Shahidh, Graphic Designer

Meet someone awesome

Hi everyone,

Ken has been a great help and resource to my financial planning. He is indeed very professional and knowledgeable. Please get to know him. He is friendly too! Would be great to have a good mind to tap on should you need an opinion!

Regards,
Chloe, Marketing Manager, Syddall Diamonds

Ken Goh

Senior Personal Wealth Manager

Ken Goh

Senior Personal Wealth Manager

Newsletters

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