| As we embrace the new year, it may help to remember that the turning of the year doesn’t call for grand plans or perfect routines. Instead, it invites calm, adaptability, and trust in small, consistent steps. The collection of articles gathered here speak about the value of steadiness over speed, flexibility over force, and provides a quiet assurance to just keep going—even without clarity. | | Most Resolutions Collapse by February. Here’s the System High Performers Use Instead If your resolutions fade fast, it’s not a discipline problem. This piece shows how high performers skip rigid goals and build simple weekly systems instead—focusing on identity, small habits, and structure to create change that actually sticks. | | Beyond the New Year: How to Turn Family Resolutions into Everyday Rituals Make family resolutions stick by setting small, realistic, shared activity goals, involving children in planning, focusing on behaviours not outcomes, building connection, and staying flexible—so routines become enjoyable habits rather than abandoned ambitions. | | Why humans are surprisingly bad at being happy | Laurie Santos  | | Proudly Brought to You I seek to reach out to people who believe in safeguarding the interests of their loved ones. Let me know if I can be of help to someone you know or care about. We can make a difference to lives when it matters most. Cheers. | | Cheong Hock Yan | | | | | | | | unsubscribe | You are receiving this email because you're my client, a friend or you've given permission to receive this email. If you'd rather not receive our emails, you can unsubscribe from our mailing list by clicking 'Unsubscribe' above.
© Cheong Hock Yan, All rights reserved. | |  | | Cheong Hock Yan | Manulife Raffles Prestige I am honored to be recognized with the Top Achievers Award. While awards are a significant personal milestone, they truly reflect the trust you place in me to steward your financial and family legacies.
This recognition motivates me to continue providing the consistently high standard of steady guidance that all my clients deserve. Thank you for being part of this journey. | |  | | Ms Thong Cheong transformed my family insurance journey from a headache into a stress-free experience. He is patient and has a gift for explaining complex policies. More importantly, he listens and ensure our coverage fits our health and protection needs.
Beyond insurance coverage, he has been helping me with my retirement, estate and legacy planning. It’s a relief knowing that my long-term goals and the future of my loved ones are being handled with care.
Professional, sincere, and deeply trustworthy, Cheong provides complete financial security. I highly recommend him to anyone looking to secure their insurance needs and their family’s legacy. He makes the entire process seamless and reliable.
A friend in need is a friend indeed, that's Cheong. | |  | | Mr Loh Working with Cheong has truly been a breath of fresh air. It’s clear he genuinely cares about the people he works with. What I value most is the way he listened to my personal goals and built a solid financial plan that actually fits my vision for retirement. I feel much more confident about my future now.
Cheong is reliable and always keeps me in the loop with regular market updates, so I never have to worry how things are going. Having him within my reach has given me extra assurance and comfort. If you’re looking for a financial planner you can truly trust to guide you,
I can’t recommend Cheong enough. | |  | | Mrs Campbell My husband and I had an excellent experience working with Cheong. He took the time to thoroughly understand my retirement goals and guided me in building a well-structured investment plan through my InvestReady policy.
His insights on constructing a balanced portfolio of equities and bonds were clear and thoughtful, giving me confidence in my investment strategy. I truly appreciate his professionalism, patience, and ongoing support.
First-class service, Simply the best! | |  | | Cheong's ex-Colleagues We greatly appreciate Cheong for inviting us to Manulife’s educational seminars. These sessions cover essential topics such as CPF changes, Wills, LPA, and AMD with impressive professionalism.
Cheong takes a personal interest in making sure we understand the key points, successfully simplifying what can often be complex subjects. We give him a resounding vote of confidence!
Many thumbs up! | |  | | Richard I am Cheong's mentor. Having retired from Manulife, I am truly grateful that Cheong has been helpful servicing some of my clients. He demonstrated exceptional patience and professionalism, taking the time to thoroughly review each policy and explain every detail clearly.
His genuine care and attentiveness ensure that my clients feel comfortable and well looked after. It is deeply reassuring to know they are in such capable and trustworthy hands. He has my full endorsement.
Highly recommended Financial Advisor! | | | | |
