I was introduced to Joanne through a talk that she conducted at my company in year 2012. Before I met her, I had a financial planner who was my insurance agent and had become a friend over time. However I felt that most of my policies were with the same insurance company and after more than 10 years, I needed to have another independent review of my portfolio so that I can have the peace of mind that my coverage was sufficient and I could retire well. Joanne was meticulous and during our first meeting, Joanne ensured she fully understood my risk appetite, and my future family and life goals in order to design my bespoke Private ATM. She took into consideration that I would like to own a second property and subsequently advised me on the home loan options available in the market. My bespoke Private ATM was adjusted to reflect the right balance of liquid cash to hold, the right mix of annuities for a guaranteed stream of income and rental from my property and investments. Joanne is passionate about her work and she displays a high level of competence and commitment, and she is very knowledgeable in financial planning. She is also well-versed in legacy and estate planning and the LPA. I greatly appreciate the promptness of her service and her ability to build my bespoke Private ATM for me. Now I have a better understanding of my portfolio, and greater peace of mind for my finances. Many thanks to Joanne for her help. I highly recommended Joanne due to her professionalism!