Quite complicated for execution if you are not around. Why? If you and your wife are not around and probably your daughter will take care of your son. Is your daughter married now? If she is married and have her own commitement, will she be able to support the bro. Highly suggest to do trust... What type of plans are good for your son? Since he cant purchase anymore insurance.. And highly dependable on you.. Suggestion is buying a death coverage on yourself. Lifetime annuity on your son. I teach you how to manage as all these are highly technical.

EM 5rm flat is how much? How you check?

This is the current market trend and i feel personally there is no need to cash out... What i feel is you can do rebalancing of your portfolio. Top ups~gradual topping up to rebalance..

it is not detailed and thus not able to give advice on this.situation. i.need to.know your cpf balance, cashflow, etc.

budgeting is the key... like what elsa mentions ask MSF for assistance.. den budget your daily living... hdb loan?

depression is sure reject case. no disclose no. claims. my refer me to his fren whom has depression, the medishield supplement is decline.

give me 100k to pour shit, i will do. 😂

my data is 9gb, sometimes exceed 1-3gbs. i have unlimited call time which i use frequently. sometimes more than 300mins calltime

rarely advisors do proper fact finding, they recommend product straight away either by asking u simple questions like; u got what types of insurance or doing reviews and recommending products you might be lacking. sometimes prospect as the above will be wtf when i do fact finding on all his or her finances. today i do financia planning, i need to know all the details so that i can see what value i can add on. my early years as an advisors; most common objection is my friends are in the insurance line. i let them know the pros and cons of buying from friends. i can tell u, normally u buy from a friend, you are buying what they recommend or you buy to support their biz. alot of agencies leaders always ask the new advisors to sell to their warm market, reason is its easy, secondly which in the mind frame is when these new agent leave, all their clients will be with the company and the leader will always get the commission. whether u choose FA or tied agents or not, depend on you.