JY Advisory Group

16/03/2026

The number 1 retirement question most people cannot answer.

I have tried asking this question to doctors, lawyers, business owners, top executives...

“How close are you to dream retirement life?”

Let’s say you’ve been investing $2,000 every month for the past 8 years.

Your portfolio today shows $210,000.

Sounds responsible right?

Here's where most people get stumped:
Do you know what percentage of your retirement goal this $210k represents?

Are you:

🤔 10% there?
🤔 Halfway there?
🤔 90% done?
🤔 Or still very far away?

Most people don’t know.
Can you the reader answer this question for your own portfolio?

You see, most of us just keep saving and investing because we know it will get us somewhere.

Exactly what kind of life that pays for?

Most of us just optimistically assume it's a comfortable one.

Doesn't that make retirement planning feel like treasure hunting without a map?

You’re putting in the effort…

But you have no idea if you’re getting closer to the treasure.

In this video, I break down the Goals-to-Reality Approach we use with clients that changes this completely.

Many of them become more motivated to invest, because the destination finally feels real.

🎥 Watch the full breakdown here:

Janice specializes in creating a certainty framework for irreversible long term decisions through her Goals-to-Reality Approach (GTR Approach). If you wish t...

23/02/2026

Most people assume you need a $10K+ income to retire comfortably in Singapore.

I’ve seen proof that you don’t.

My 72-year-old mother has been retired for a decade. She travels multiple times a year, not just short regional trips. We’re talking about Europe, Japan, Australia.

The part that makes this worth mentioning?

She never earned five figures a month.

Neither did most of her friends who are equally happily retired and jetsetting with her. Some of their last drawn salaries were around today’s median income or less.

Yet they’re living the retirement lifestyle many high earners assume is out of reach.

Over the years, I’ve worked closely with high income professionals to help them to commit to irreversible decisions that sustainably fund their ideal retirement lifestyle.

Here's the common pattern I observe across all those who are on track or have successfully retired (regardless of income levels):

It was never ONLY about earning more.

It was about:
💡Early clarity
💡Relentless consistency
💡Strategic patience

In this video, I break down exactly what an entire generation earning modest incomes did differently. Through these lessons learn the key principles we can replicate in 2026.

If you think retirement comfort is purely an income game, this video might challenge that assumption.

Janice specializes in creating a certainty framework for irreversible long term decisions through her Goals-to-Reality Approach (GTR Approach). If you schedu...

05/01/2026

Watching my parents’ generation retire comfortably gave me a strong understanding on the formula to build a dream retirement life with modest resources.

In this article, I share these timeless principles with you enhanced with my modern perspectives.

Important retirement planning lessons I took away after watching my parents who have never earned a 5 figure income build their dream retirement life.

04/11/2025

7 years in the business and I haven't been consistent with collecting testimonials in recent years.

Part of it is because… who really reads through 34 𝘵𝘦𝘴𝘵𝘪𝘮𝘰𝘯𝘪𝘢𝘭𝘴 on a website, right? Especially when each one is a short story on its own 😂.

But every time I revisit them, I’m reminded of 𝘸𝘩𝘺 I do what I do.

You can really feel the heart work in every client’s testimonial.

The trust, the transformation, the real impact.

I really feel appreciated and it reminds me to keep focusing on creating tangible outcomes for my clients.

Over the years, I’ve also built credibility in other ways through teaching industry practitioners and mentoring team members.

Time to start being more intentional again. I would love to hear from new clients too.

Because these Stories of Impact aren’t just proof of work.

They're also proof of care.

P.S. you can read all 34 testimonials at https://www.jyadvisory.sg/what-people-say

28/10/2025

When I first entered the workforce, I looked forward to cafe hopping, trying out new restaurants, and driving around in my second-hand car.

There's no wow factor, but it made me happy. The problem? My expenses were high for a fresh grad salary. It did bugged me that I only could save $500 a month.

So I had two options:
1️⃣ Cut expenses
2️⃣ Earn more

I made a choice early on. I wouldn’t compromise on the lifestyle that gave me happiness. That became my “happy life expense number.”

Fast forward to my second year as a banker.

The monthly sales grind wore me down. Each month’s target reset felt like running endlessly on a hamster wheel. Feeling jaded, I explored a non-sales role.

At the final interview, I asked about the pay. When I realized it would mean cutting my lifestyle expenses just to save more, I found myself 𝘱𝘳𝘢𝘺𝘪𝘯𝘨 𝘵𝘩𝘦𝘺 𝘸𝘰𝘶𝘭𝘥𝘯’𝘵 𝘰𝘧𝘧𝘦𝘳 𝘮𝘦 𝘵𝘩𝘦 𝘫𝘰𝘣.

That moment, I realized: 𝗰𝗼𝗺𝗽𝗿𝗼𝗺𝗶𝘀𝗶𝗻𝗴 𝗺𝘆 𝗹𝗶𝗳𝗲 𝘄𝗮𝘀 𝗻𝗼𝘁 𝗮𝗻 𝗼𝗽𝘁𝗶𝗼𝗻.

And here’s the part that most people don’t like to hear:

Most people struggle to build wealth because of idealistic expectations.

They want to enjoy their lifestyle and build savings… but they’re unwilling to do the one thing that actually makes it possible...

Increase their income.

You can’t Netflix-and-chill your way to financial freedom.

So, I strived to become good at my job. Not because I loved sales (I’m an introvert who actually struggled in banking), but because I loved the idea of uncapped potential.

That clarity gave me the courage to make tough decisions later:
✅ Switching firms even when my ego told me to stay
✅ Choosing growth instead of comfort
✅ Building a foundation where savings and investments grew with me

The lesson?
To have savings and a good quality of life, you don’t just need discipline. You need higher income.

Today, I can say my lifestyle hasn’t inflated much since then. If I can eat what I want without looking at the price tag and travel once or twice a year, I’m happy. The rest? It compounds into freedom and better choices for the future.

16/09/2025

She didn't have the courage to invest more...

Until we worked together 😆

To celebrate my 7 year anniversary, I'm sharing some of my most memorable case studies during my career.

This client of mine did want to have some form of income replacement after she retired.

As she didn't have someone properly advising her, she did what she thought was best based on her discretion.

The only issue was, time was ticking down. She's already 52, yet she was still investing bite size (just in case her judgement was wrong).

When we started working together, she realised my retirement strategy was very aligned with hers.

Through our hand-holding process, she found the courage to finally give her retirement goals an ambitious effort.

No need to tell herself, if she falls short it's okay, just live a simpler life...

She told me she wished she met me 20 years ago ❤️.

It's experiences like this that makes me feel my work is super transformative and meaningful.

Some lessons learnt from her case study that applies to many of us:
👉🏻 Bite size planning gets you started, but it doesn't help you live your ideal life
👉🏻 Taking small steps shows caution and uncertainty, you need to work with someone who gives you courage. (If you fear finding the wrong person, set a stricter standard on your due diligence)
👉🏻 If someone doesn't start from your goals, it's a red flag 🚩
👉🏻 Your goals aren't arbitrary numbers. It's math. First you need a clearly defined goal
👉🏻 Your financial commitments should get you closer to what you what. If its payoff is vague, you shouldn't commit.

If you have anymore lessons to add, share them with me in the comments below 😊.



The knowledge and conversations I use to guide my client through blindspots & gain clarity are the exact content I teach in the Foundations Mastery class. Details in comments.

10/09/2025

Have you ever felt that leaving $1 million as insurance payout is a luxurious gift to your family and loved ones if something happens to you?

I have found that many consumers seem to think so. They may even feel that financial consultants telling them this amount is insufficient is a tactic to get more sales.

Yet, for many who have young children or upgraded their properties... Leaving $1 million to take care of expenses if the breadwinner passes on might require lifestyle adjustments and settling for local tertiary education.

According to DBS Bank's website, the school fees of overseas education is about $18,000 - $74,000 per year depending on whether you go Australia, UK or United States. Additional cost like accommodation will bring the yearly cost to about $100,000 per year.

So whether the $1million is sufficient or inadequate might depend on:
💰how much liabilities you have
🧑‍🧒‍🧒 the number of dependents
⏳potentially what age something unforeseen happens to the bread winner.

Did you know that most of us would make more than $1 million during our lifetime if we worked till retirement?

So if the insurance life cover is to protect the future income you would have earned if you lived till retirement, how much should your coverage be worth?

14/08/2025

This is my first ever critical illness claim.

I learnt so much from the experience.
💡How we think when we are healthy versus how we think when we are ill differs
💡How the type of illness we get affects our day to day lives, whether we can go back to work differs
💡Our risk tolerance to uncertainty and cost of living despite having resources on hand differs

Insurance is something you can get when you don't need it, and something you can't buy even if you are a millionaire when you need it.

Food for thought!

08/08/2025

Are you stacking investing on top of family time, travels and also a demanding high income career?

When we try to do everything ourselves, sometimes we end up dropping some balls because there's too many to juggle.

Watch this video to see how you can see how other high achieving professionals enjoy a great life while ensuring their financial goals are on track!

16/06/2025

𝗛𝗲𝗿𝗲'𝘀 𝗵𝗼𝘄 𝘁𝗵𝗼𝘀𝗲 𝗲𝗮𝗿𝗻𝗶𝗻𝗴 𝗵𝗶𝗴𝗵 𝗶𝗻𝗰𝗼𝗺𝗲 𝗶𝗻 𝗦𝗶𝗻𝗴𝗮𝗽𝗼𝗿𝗲 𝗳𝗹𝗲𝘅 𝗶𝗻 𝟮𝟬𝟮𝟱

What if I tell you that staying in a condo or flying business class is no longer a flex?

I have found that buying a 7 figure condo can be something you need to 'sn**ch' and likewise for miles hacking.

This is the new normal of Singapore's middle class.

Just last year, 2 highly popular development projects were oversubscribed.

Emerald at Katong received over 3000 cheques on balloting day despite only having 800+ units available.

Chuan Park received over 2000 cheques on balloting day despite only having 900+ units available.

Recently when I tried to redeem miles for my Paris - London trip, I found that I had only 1 date to choose from and it became full really quickly 😱.

Nowadays high income clients seek a different kind of flex.

They want time freedom and the ability to early retire.

Early retirement doesn't mean not working but simply having the option not to work if you choose not to.

Want to learn how to achieve this new Singapore dream? Let's talk!

11/06/2025

𝗠𝘆 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗼𝘄𝗻𝗲𝗿 𝗰𝗹𝗶𝗲𝗻𝘁 𝗱𝗼𝗲𝘀 𝗻𝗼𝘁 𝘄𝗮𝗻𝘁 𝘁𝗵𝗲 𝗵𝗶𝗴𝗵𝗲𝘀𝘁 𝗿𝗲𝘁𝘂𝗿𝗻. 𝗦𝗵𝗲 𝘄𝗮𝗻𝘁𝘀 𝘁𝗼 𝗽𝗿𝗲𝘀𝗲𝗿𝘃𝗲 𝗵𝗲𝗿 𝗰𝗮𝗽𝗶𝘁𝗮𝗹!

Have you been very focused on the highest returns whenever you are looking for places to invest your money?

I have found that most consumers confuse wealth preservation with wealth accumulation.

So most of their portfolios are tilted towards growth and less towards defensive instruments.

Sometimes they may even think the risk they are exposed to is 'safe'.

In the book Psychology of Money by Morgan Housel, he shared the key differences between wealth accumulation and preservation.

In the book it states:
"Getting wealthy requires risk taking, a positive outlook and bold actions."

"Staying wealth demands frugality, paranoia and an understanding of the unpredictable nature of life."

There was this one time I spoke to a business owner client who specifically told me she wanted to divert her funds to safe instruments.

She told me she is aware she gets more returns out of her business but it means putting all her eggs in the same basket.

I felt this lesson was a valuable lesson to share with everyone.

The wealthy understands that wealth management is not just about earning more and more.

It is also making sure that you don't have to risk what you have already earned in order to get more of what you might not need.

Wealth management is a 2 part process.

Do you know if your portfolio has both?