Career Coaching

Managing money shouldn’t feel complicated — yet many working adults feel unsure whether they’re saving enough, investing correctly, or making the right financial decisions for the future. This beginner-friendly, educational session is designed to give you a clear, practical foundation in personal finance — specifically tailored to the Singapore context. Whether you’re early in your career or simply want to get more clarity around money, this session will help you understand how the key pieces fit together. What We’ll Cover * The 3 pillars of personal finance: Saving, Investing & Protection * How CPF, cash savings, and investments should work together * How much you should roughly save vs invest at different life stages * Common financial mistakes working adults make (and how to avoid them) * How to build a simple, sustainable financial structure without jargon * How to think long-term without needing to “time the market” Who This Session Is For ✔ Working adults in Singapore ✔ Beginners with little or no finance background ✔ Those feeling overwhelmed by too much online financial advice ✔ Anyone who wants clarity before making financial decisions No prior knowledge required. What This Is (and Isn’t) ✅ Educational and discussion-based ✅ Practical and real-life focused ✅ Neutral and beginner-friendly ❌ Not a sales talk ❌ No products being pushed The goal is understanding, not selling. Event Format * Short presentation * Simple visuals & examples * Open Q&A and discussion * Casual, friendly environment Come listen, ask questions, or just learn at your own pace. 📍 Venue: Punggol Coast Mall ⏱ Duration: \~1.5–2 hours 🎟 Cost: Free If you’ve ever thought “I should really get my finances sorted, but I don’t know where to start” — this session is for you.

Personal growth begins with awareness — but transformation happens when awareness meets action. Join us for an immersive coaching experience where you’ll uncover your patterns, clarify your purpose, and develop a growth mindset that turns challenges into catalysts. You’ll leave with a renewed sense of direction and a concrete plan for your next chapter. Provide a weekly 1-hour free coaching session every Wednesday. Max 2 each week. Join us!

Welcome to my sailboat. **Please read this notice**. These are crew opportunities, not for passengers, non-swimmers, people afraid of the water or get seasick. Bring a change of clothes, a towel, a hat, non-marking footwear with heelstrap and sunblock. There is a toilet and drinking water on board. Participants like to contribute to expenses in appreciation of this opportunity. **Also**, please confirm your attendance by SMS or Whatsapp on Saturday for sailing on Sunday, to avoid no-shows and missed sailings. No-shows deprive others of a place, so be responsible and remove your reservation if you are not attending, and please do it in good time. Places unconfirmed by Saturday will not be reserved, and I can't wait for you if I'm not sure you're coming. Keep me informed and reply to my messages. Don't be late. Thank you. Derek 9807-5827.

**A)** You want to enjoy your career **B)** You want to enjoy your personal life **C)** You want to reach your potential **D)** You want insightful, transformative conversations that allow you to tap into the best of yourself **E)** You want to live up to your full potential and move forward in life **F)** You want to make it happen and no longer want to drift along **1)** Roger Federer, the greatest tennis player of all time, has a coach. Bill Gates, the richest man in the world, had a coach. Mark Zukerberg and Richard Branson had coaches. **2)** Roger Federer, Bill Gates, Mark Zukerberg and Richard Branson did not overcome their obstacles by attending feel good motivational talks that are over-priced 3 days rah rah concerts in disguise. **3)** They go for the real thing. They know that such rah rah talks cannot address specific challenges. **4)** Now, if these successful people have coaches, why should you be shy of coaching? Having a coach is as as natural as going to the doctor when you have a fever that doesn't go away with panadol. Having a coach is as natural as going to a mechanic when you can't figure out why your car cannot start. **5)** Empower Advisory is committed to give you a full single session of FREE life coaching. Absolutely FREE. We believe that the more successful you are, the better the world will be. You will get a professional personality assessment to understand yourself better and a one to one coaching session that is easily worth a few hundred dollars. **6)** All information shared in the coaching session is kept strictly confidential. You are not judged in any way (unlike your family, friends or colleagues) and can be totally yourself. We just strive to give you a leg up. **7)** All coaching sessions are on a one to one basis. A date and time will be arranged for you upon your life coaching request. All schedule will be arranged according to our Principal Life Coach's availability. **8)** Just whatsapp 8332 4283 to book your slot. **9)** Enjoy a personalised one to one or small group discussion in the fun setting of Members Only - Mandala Club at 31 Bukit Pasoh Rd, Singapore 089845. It's in town and it's easy to get there via Outram Park MRT station! **10)** To book a session, whatsapp Admin Dave at 83324283. If you have RSVP-ed for a private session, do whatsapp to confirm your attendance too! Sessions will only happen if they are confirmed.

Many people hear about passive investing (mutual funds, REITs) and active investing (stock picking, trading), but are unsure which approach actually makes sense for them. This in-person, small-group meetup is a relaxed, no-pressure discussion to help working adults understand the real differences, trade-offs, and expectations behind each investing style. There will be no sales pitches, no product promotion, and no obligation — just practical sharing and open discussion. What We’ll Cover * What passive investing really means (and what it doesn’t) * What active investing involves in real life * Time, effort, cost, and risk differences between both approaches * Why most people underperform when choosing the wrong strategy * Common misconceptions about “beating the market” * How people realistically combine both approaches * Open Q&A — bring your real questions This session is beginner-friendly and uses simple examples instead of technical jargon. Who This Is For * Working adults and young professionals * Beginners curious about investing * People who feel confused by online investing advice * Anyone deciding between DIY investing or guided approaches No prior investing knowledge is required. About the Host I work in financial planning, focusing on investments and risk management. This session is educational and discussion-based. There will be no product pitching during the meetup. For those who wish to continue the conversation after the session, that is completely optional. Format * Casual introductions * Short sharing session * Open discussion & Q&A * Free networking after Group size is kept small to encourage meaningful conversation. Notes * This is a physical, in-person meetup * Venue: Punggol Coast Mall * Please RSVP so seating can be arranged * Feel free to invite a friend who may benefit Looking forward to a good discussion and exchanging perspectives 😄

### **Step Away, Breathe, and Gain Clarity** Feeling stuck? Overwhelmed? Running on empty? Sometimes, the best way to move forward is to step away—literally. **Reboost is not just a walk; it’s a guided coaching experience designed to help you clear your mind, recharge your energy, and gain fresh perspectives.** Join a small group of like-minded professionals as we **walk, talk, and reflect** in a relaxed and inspiring outdoor setting. ## **WHAT TO EXPECT** ✔ **Breathe & Reset** – A guided meditation to ground yourself before we start. ✔ **Reflect & Explore** – Thought-provoking coaching prompts to help you gain clarity. ✔ **Move & Release** – Walking activates creative thinking, reduces stress, and boosts energy. ✔ **Connect & Grow** – Meaningful one-on-one conversations with fellow participants. ✔ **Leave Refreshed & Recharged** – Takeaways that will help you manage stress, set boundaries, and feel more in control. ## **WHO IS THIS FOR?** * You’re a professional feeling overwhelmed, stuck, or navigating a stressful period. * You love walking and enjoy being outdoors. * You’re open to **self-reflection** and want to better understand your energy and boundaries. * You appreciate real, meaningful conversations and fresh perspectives. ## **HOW IT WORKS** 📍 **Meet** at 8:45 AM 🧘 **9:05 AM** – Short briefing & guided meditation to center yourself 🚶‍♀️ **9:20 AM** – Start walking! Coaching prompts will guide you through: * What’s weighing you down and what gives you energy * How to create stronger boundaries without guilt * How to build resilience to better navigate stress 📝 **10:45 AM** – Wrap-up with key takeaways & an affirmation stretch **No notebooks, no slides, just movement, fresh air, and powerful insights.** ### **READY TO RESET?** Spots are limited to keep the experience intimate and impactful.

Come getaway with us to explore this tranquil, peaceful picturesque island! Yes, an inner calming experience awaits the traveler who is ready to explore, unwind and soak in this rustic island’s surreal charm and beauty. To enable many of our new Cantonese friends to participate and explore this lovely island, we will make this a Leisure Walking event, we may cover.... ie. Chek Jawa wetlands, Jewawi tower, take the coastal boardwalk, chill-out at Punai Hut and slowly explore the other parts of the island at their own pace before heading back to the jetty’s Village area. \*\*Scenic & rustic places we’ll be visiting: a) Chek Jawa Wetlands (Marine life) b) Coastal Boardwalk c) Jejawi Tower d) Punai Hut e) Bukit Puaka (highest point of Pulau Ubin) Walking Trip Details: Day and Date: Saturday, 7 February 2026(Sat) Start Time: 9:00am SHARP! Meeting Venue: Changi Point Ferry Terminal (Street Level Facing the sea) Nearest Bus Stop: Bus 2, 29, 59 and 109 Those coming by MRT, alight at Tanah Merah Station and take Bus 2 to Changi Village Bus Terminal. Bus journey is about 40 min. Estimated End Time: 2:30pm (Changi Point Ferry Terminal) Route: Explore the Eastern part of island with option to Western part (Walker) if time permits. Total Distance Covered: 12km(East) Group size : Maximum of 60 (as every bumboat can carry a maximum of 12 passengers) Personal Expenses: Two-way bumboat ride costs $6 per pax and an additional $4 if you decide to bring your own bike(2019 price for reference) Compulsory Items : Rain gear such as ponchos **Your own packet lunch to be consumed on the island** At least 1.5 litres of water. You'll need it. Recommended Items: Comfortable clothing Hat/cap, arm sleeves Good comfortable Trekking/Sports shoes (No flip-flops, Open-toed footwear) Light snacks Insect repellent Optional Items: Sun block lotion Sunglasses Camera, Handphone Extra set of clothing for change after hike U-Lock for riders bringing their own bikes(for those wish to cycle around on their own) Additional Information: Unless there is a heavy thunderstorm with high lightning risks on NEA's weather forecast report making it too dangerous to walk, this event will be on. Any cancellation will be notified via Cantonese’s Meetup event portal not later than 6:30am on the event day. Please be thoughtful and update your RSVP early if you are unable to attend this hiking event. Do not RSVP if you are unsure you can complete the route distance due to health reasons, or totally new to walking long distance, have no confidence in walking on gravel road/dirt tracks as you may cause inconvenience to all other participants. Lastly, remember to have a hearty breakfast before coming for this walking event. This event is only for Cantonese members. Contact - Bong Lam - 96 196 902