Why sharing your knowledge and expertise freely works well for Financial Planners with Jovie Lim – Transcript

SUMMARY KEYWORDS

clients, financial planner, business, called, pandemic, financial planning, financial, people, finances, internal auditor, company, life, personal finance, money, person, manage, crisis, business owner, career, meet

SPEAKERS

Gwen Lazarito, Jovie Lim

Gwen Lazarito 

Hey guys, welcome to another episode of the financial advisors, South East Asian podcast. We’re here and today we have a financial advisor from corpus advisory that’s in Malaysia who is passionate about helping her clients with their financial objectives and goals. And she uses her strong analytical skills in order to deliver the best advice possible. It’s give it up for Jovie Lim. Hi, jovie.

Jovie Lim 

Hi, Gwen. Yes. Thanks for having me here today. And I hope you and everyone who was listening today is doing great. Yes, yes. Yes.

Gwen Lazarito 

The pleasure is all mine. Thank you so much for being here. Now. Jovie. So we’ve just actually met earlier, a few minutes ago. And so this is, I’ve been meaning to ask this to all of my guests, because it’s very interesting to see where you where you started. So I’d like to know, how long have you been in the financial advice industry?

Jovie Lim 

So basically, yeah, I personally, we’ve currently with this license is a licensed financial planner, we come as advisory, licensed financial firms under the security Commission’s for almost like six years in this industry. This company, and I’m also the registered financial planner. With accounting and finance background. Yeah. See yours in six years? Six years? Yeah. in this industry? Yeah. In this mind?

Gwen Lazarito 

Yeah. Yes. But like in Malaysia, you have to have, like, a certain number of years, that you’re already part of like the finance industry, right. Before you get into financial advice, or Yes, you’ve had plenty of experience with regards to this space. So how did you get into financial

Jovie Lim 

advice? Okay, so I started in whereby this financial planning previously issue No, my Yeah, understand my background, I have been in financial service for about 15 years as an external and internal auditor for companies and corporations. And my last position was head of internal audit. So why I came about this career path is when I’m, when I, six years ago when I conceived my daughter, and I was looking for a career with more flexible working hours. So that’s how I started because my previous career as an internal auditor, I required travel a lot. And there’s a long working hours. So then I started to think, why not I venture into financial planning, I can manage my own time. And at the same time, I can manage my personal financial planning and investment as well. So then, I started to explore more informations. And to find the right path for financial planning included getting the right knowledge, certifications, license in Malaysia, we need to have the license to be a financial planner. And also, to the extent to find a good mentor that can say can guide you along the way? And, yeah, I think is important because in our lives, especially you’ve started fresh at beginning you need to know your progress, whether you are on the right track or not. So you have to keep monitor whether so far, because I started from scratch. So I need to know from time to time, the progress and I always check with my mental part of the knowledge you have and also the qualifications or even the license you have. I also do extra work on finding house my progress as a financial planner.

Gwen Lazarito 

Yeah. But I definitely agree that because you’re like, you’re you’re new to the industry, you have to have someone who’s they’re not, like coaching you on but also, like, the progress that you’re making. And I’m curious, like, how did you go about finding your mentor? Do you still have the same mentor that you? Did you like happen to get?

Jovie Lim 

No, basically is actually, you know, I engage a financial planner. So I engaged because previously, when I was internal auditor, I was busy with my own career, corporate career. So I have no time to plan for my own personal financial planning. So I engaged with a financial planner, so that she is the one who helped me to run all my, my personal financial planning as well. So that time, she always quite positive and always very good forward that you always tell me that Jovi, you are one of the qualities so called a financial planner, if one day you will want to become one. It triggered me to think I want to have both working hours, because you can manage your time yourself, when you have your own renew as a financial planner for your own companies, etc. Yeah, that’s right. Yeah. So yeah. So from there, I, yeah. And this person has been in this financial planning for almost 20 years. So yeah. So from then from there, I started to explore and understand better about this career, then. Then I even Yeah, join her for the team, as a financial planner. And she was she, she also be my mentor as well,

Gwen Lazarito 

at the same time. All right, wonderful. So I’m glad to know that your mentor is someone you already know, and that you already trust for because she was your financial planner for a good number of years. And then when he joined the industry, she was also the one who helped you into getting your feet wet. That is so like, yes. Plan B, to get mentorship from her.

Jovie Lim 

Something official mine is in a way I joined her company. Yes, we work as a team. And, and I’m quite blessed in a way that we we have this kind of so called understanding and then that’s how I progress quite fast. And other than that, besides a mentor of guiding me at the beginning stage of my financial planning career, and also quite lucky enough to have strong financial background knowledge, because of my my previous career as head of internal audit. Because it is quite similar in a way that the current background in my previous organizer, previous as an internal auditor, and also in the current position as a financial planner, as an auditor. Previously, I had corporate needs to look into effectiveness, efficiency of internal control, and also risk management, governance and other financial analysis as a corporate aspect. But now, as a licensed financial planner, my role is more to narrow down to a client personal financial planning and their goals. So I’m quite blessed because in my strong financial knowledge, I also able to help my clients not only to their personal financial goals, but also their own businesses. For instance, like those who runs their own business, sometimes they would ask in a casual talk or casual conversations, ask about my opinions, my opinions about how they are business management, or the current internal controls of their companies, whether they are, you know, doing okay or not which I can value to give them some of our so called suggestions to that point, which they really appreciate. Yeah, so this will be like the add on so called on values other than doing the personal financial planners part. This will be like so called for the bonus law is before them. Yeah, to have that kind of advices which Yeah, yeah, during our casual share with etc Yeah,

Gwen Lazarito 

yeah that’s that’s true because you know, if you have clients who are actually business people it’s normal for them to integrate they’re like yes personal finance or even like the mindset that they have with regards to finances personally and in their business as well. So if you’re able to if you’re able to change their minds, or their habits in their personal finance space, they’ll definitely you know, use that knowledge as well as their business and so on and so forth and talking about clients now that you are six years here in the industry, yes, have you formulated your ideal client

Um,

Jovie Lim 

I don’t have such a particular clients, but by my I will say I will categorize my clients in three categories some at the beginning stage of entering the working force of working environment, this one these are the groups of young youth like just finished their so called universities and now moving forward to working life okay. And then the second group of people are those in the is a more mature in between around to these two for the for this group, yeah, the HR debt which they already in this So, called in the working force for quite some times. And another last part will be the around 50 to 60 s above slightly 60s. Yeah, HR people that already almost in the retirement stage retirement phases of her life. So, are there like, because you are handling clients at all these three stages? Like are there a stark difference between each stage? Or is it just like very organic for you to jump from one light? Oh, yeah, I think I would say those who started with me early, when they just started to work up to now, they even so called some already in the meat of mature like voting adults already. And of course, there are some stuff with like, late Ah, and etc women is quite, quite healthy, quite white, but I think the the things that interest thing is, I have a group of clients, which is just not shared with you, most of them are business owner. Okay. So, they are like, those are small medium enterprise bosses. Yeah. So, they they also like, I think they they quite like to house a meet up with me for for sharings etc, because besides I can help them to plan their personal financial, financial planning, they also like to listen from my side on how how far they have gone to, in managing their own business, this is quite a unique, so correlations that indirectly add ons, so called is a plus points for myself and also for them. So it’s a win win. situations where I can give them what they feel they are lacking office to certain time. For example, I can give you like, I have clients that probably also in business, so it’s a business owner, and it’s something sometimes they have some doubts on whether if they have a grant, for example, a case of grants that they received from government maybe 200k for example, what are they going to do with this money? So, they will suggest to me that they will ask me, how about you manage for me this money? I know the 200 1000s extra which they they feel that currently, they are not so called the company’s still has not planned to do anything with this money yet. So what is the best resource or the best way that they can try not to? So and of course, usually, I will start with understanding them for us the current spatial layout Whether your company is still serving your business loan or etc, if the business loan interest is higher than so called whatever investment platform that can provide to you, I think is is very wise for you to the business may be comprised of 16 to 18% of interest per annum, which is quite high, you know, you will never do business just for to stuff the loan only to break even you are doing business is, you know, to be sustainable and also to earn profit. So, your company can move forward to expand that, you know, the kind of advisor sometimes,

Gwen Lazarito 

yeah, yeah. And that’s very tricky, right? Because you’re also in, you have to make sure that the advice that you give is sustainable, not only to them on the personal finance, but in their businesses. Well now, and I’m curious, like, how did this start having clients that are also business owners? Like, were you able to just smoothly transition into like, having them to open up their business finance with you? Or

Jovie Lim 

Yes, yes. So, in a way after because once you understand a particular client in a more deeper manner, they will start to also be more transparent to you like, more open up to you and sharing not only their personal financial status, but also but India, my current company’s position right now, their cash flow management, etc. So from there, I was also able to provide another service like a Why not? Okay, after analyzing your company’s cash flow, and probably with the extra excess money, after probably a channel to England, etc, you can consider other options that is appropriate for the business and for the company. Yes. So, this this will be is, yeah, they sometimes they don’t even think so far of things, so details, in a way, but just because we keep on open their mind, that he will start to share more to you and be more transparent. And that’s how the trust built between, you know, my me and my client? Yeah, is progress naturally, or that way?

Gwen Lazarito 

Yeah. Yeah, that’s great. And, and I guess it’s because you’ve had this relationship with them, that you’ve had a good relationship with them. And then they also see the value that you’re giving to them and their personal finance, that they’re able to transition to sharing their business, their business goals and the and the problems that they’re facing in their business as well to view because they know that you can be trusted to provide really sound advice now, and that’s very good, because I want to transition to this. So are you like, how are you acquiring clients? Now, six years in, is it more on the referral side or are you still doing some marketing to promote your business

Jovie Lim 

from my smile will be more on prefer site and of course, because of my my, so called active in giving, giving talks and financial planning sharings to universities, to some of the NGOs and and even being invited to pines corporate company for giving talk to their staff, their employees, and then from there on my business indirectly, grow in that manner as well. So, how I will put it in the beginning is intended to share with my clients individually, and of course to once I build the trust, they have more confidence on me, they will refer more friends and probably, you know, yeah, to me, and also other clients to me and also in a way that they also invite me to give sharings who they are companies, from their, their employees also being educated, the awareness of importance of financial plannings and etc. So they also have come towards forwards to me for their financial planning as well. So yeah, this is how it works. And, of course, especially last year, me and a team of financial planners, we do something like community work, they’re not not mainly about community is a more assurance of awareness of on importance, how to manage your finance, especially during pandemic, how to go through the difficult times, especially when you know, your face all these challenges and crisis. And also, I personally because my background as internal auditor, I also give a sharings on investment or financial scam. So from there I have like, indirectly when I give more, I think in Britain’s it come in a way that is a blessing that people get to know me better how I do things. And how, yeah, so the trust was being built even faster.

Gwen Lazarito 

Yeah, so I definitely agree with you like, the more that you share and put out to the world longer that you actually receive something in return. And, and it’s basing on your stories like a domino effect, like? Yes, so it goes on, and it creates like an even bigger impact. And it returns back to you as a client or as Georgia.

Jovie Lim 

Yes, but of course, when I, when I do all these tops, quite a numbers of numbers of times, I never expect anything in return slam because it’s just a sharing, especially I understand during the difficult times, people are, you know, during pandemic, especially people are emotionally financially exhausted, they really need something positive, that they can learn a look for what and you know, this from that they can move on the right path to manage their financial better. Yes. So this now I look at it. Yeah.

Gwen Lazarito 

And I’m really glad that you mentioned that as well. Because I’ve seen a lot of financial advisors, you know, giving talks, sharing their best practices, especially during this pandemic. And I really admired that because there are a lot of people out there who are, you know, the pandemic has provided, although some people positive impact in their finances and the business but they’re also these people in the opposite part of the spectrum who had lost their jobs, or were really struggling with their business or they have to close their business because of the pandemic. And maybe they wanted to get financial advice, but it’s has become a struggle for them to do that lately. But here in like, I’m sure it’s the same they’re in Malaysia, but here in the Philippines, we always say that financial advice is not only for rich people, it’s especially important in with people in the middle class, because it’s your ticket to getting like, you know, looking at your finances and making sure that you’re on the right track. Yes,

Jovie Lim 

I’m totally agree with you. Yes. Yeah. Is every one of people every one of live at every level of people that especially during pandemic is just like something hit them. Yeah. Is that a wake up call for most of the people because they always feel that there’s always a sunny day all the time. Until Yeah, these things this so called crisis hit them, and then they just have to really pick up fast and some even still struggling in in overcoming the Yeah, yeah, the crisis.

Gwen Lazarito 

Yeah. Yeah. And, but for you, is his business doing well for you during this time? Or are you are you also seeing that there is like a dip in in how the clients are coming to your door.

Jovie Lim 

Okay, I will say especially during pandemic status since last Last year in Malaysia, especially in March to zero to zero. So I will say I think the whole my last year’s performance in terms of business. I can’t say it’s a so called a quite surprised me in the way that my business trip. Yeah, so I wouldn’t get so negative. Of course, the pandemic’s comes to us. We cannot control right. But I always look at the positive side, there’s always a saying that in the midst of crisis, there’s always opportunities. Now, opportunities. It’s not like how you’re going to drill people for the opportunities, but rather, when you look, get the challenge as a positive challenge. You intend to work things up better? In a way? Yeah. Yeah, so so it, I keep on calling my clients during pandemics, especially when I couldn’t even reach them physically. So what I do, what I did is I make appointments with my clients on zoom. Okay, not every clients are doing well, definitely. But for me, I never, and I never was like, my clients that are those who are rich, only we call and those who are not doing well, we just abandon them for a while, no, I call most of my clients, especially those are not doing well. So during this difficult times, I give them coaching, you know, going through the hardship with proper advisory to them, so they able to cope, and some even can manage it well. And now it’s doing fine. So these are the things that I think I’m more happy that I can able to help them in a way going to soccer, these are difficult times with them, rather than those that are already very rich. And then they just say, oh, now is the investment buying time because that also I did. They also keep in touch with me. So this is how I I even in both ways, I also managed them in differently. But so for those who have excess cash, or they want to be they want to invest more, or maybe a better place a better portfolio for them. They asked me to help them to plan which is a good sign. But those who are not doing well. I even help them to go into their cash flow, readjust their cash flow, how to set priorities, which is more important during this crisis. Yeah, yeah. Helping them to identify the so called their financial strain, which, yeah, which they are very appreciate when they able to go through their business crisis of personal crisis in terms of financial management. Yep.

Gwen Lazarito 

Yes. And I think it’s really important to have like a financial adviser review during these crisis, because, you know, some people find it like, it’s the end of the world because the markets are crashing, and you but if you have a financial advisor at your side, they can like financial advisors can actually check your finances and see like, oh, it isn’t really that bad for you. Yeah, you are in the best opportunity. Like provide them a peace of mind that you know, help them to restructure

Jovie Lim 

because they have been in so called in this pace for so long before pandemic Yes, there’s a certain way of doing things but during pandemic there are we have to do things differently already. Yes, is more on priority settings, which is more important. And also there’s a group of people that may be some of the clients that are also want to earn desperate money quick money from evil falls into this investment scam. Yeah. Yeah. So I keep on educate them Don’t ever look things in short term and want to earn money in a very fast pace. I think there’s no free lunch in this wall. Really. You just have to be careful with things is too good to be true. Yeah. Yeah. Yeah. So these are the things that Yeah, what I have gone through with them for have during the difficult times. Yeah, yeah. But I think I will say, it makes me more I feel more meaningful in a way that I able to do. I’m going through this tough time with them, it makes my job even more meaningful. And with very good purpose as a financial planner, yeah. Yes,

Gwen Lazarito 

I definitely agree. Because, yeah, as, as I mentioned earlier, it’s, it’s really nice to be in, in a person’s life in your client’s life, because you have the opportunity to, either, you know, give them peace of mind or help them restructure, or Yes, giving them hope that, you know, there’s always a way to turn things around. Because, like, for every one of us, finances is always like the biggest headache. A very important part of our lives that we tend to overlook, or sometimes we tend to exaggerate. And that’s why we need someone who is level headed, who’s able to check it out. And help us out. So I’m very happy that you keep on getting in touch with your clients, especially during the pandemic. How do you like, how often do you meet your client in a year? Oh, yeah,

Jovie Lim 

I make it as a practice. Like those. I have brought active clients. Yeah, those proactive clients usually will meet me, if let’s say there’s no pandemic, usually they will want to have coffee session with me is my three months month. Those are different, especially those simple the business owner. But for those, those who are earnings, my employees income, those are quite quiet time. Usually, at least, I will make that half yearly basis, I will schedule I have a drill, or list of my clients that I I will upfront, group them accordingly. And I will meet them session by sessions. Of course, definitely individually. But if those of husband and wife depends on whether they want to meet personally individual, or if they are comfortable to meet as a family plan. Now we’ll meet the family in a group basis. Yeah.

Gwen Lazarito 

So that’s interesting. So you have couples who prefer to meet individually? And yes. Oh, that’s interesting. Yes, this

Jovie Lim 

is so you know, financial planning. You know, talking about financial sometimes talk about money is very sensitive, right. So there are probably cases where husband and wife they have a share, so called financial planning for the kids education’s for their own retirement as a family. But there are some that they feel individual planning as well, meaning that even they are in a family but other than their children’s educations. They personally want to have their own personal funds. For them, their objective is mainly just for emergency money, they put it in an emergency whaler field, mostly they sometimes they just don’t want their partners to know they have this cool funds that they have in the event if that they need the kind of money they needed, and they can have their own money to you know, get the things they want and etc. Yeah,

Gwen Lazarito 

yeah. So that’s very tricky. So, as a financial advisor, you advise both the husband and the wife individually, they also have like, I guess, they will also have a certain meeting with you where they are together to discuss like family with Yes.

Jovie Lim 

This this because everyone’s are unique. The interesting part of financial planning is because everyone has their own story. Everyone has their own case study. There is no fixed planning for every one every Indian I mean, there is no fixed, Fanning’s how set a standard planning for all All my clients know, it’s a very tailor made, and everyone are unique. And then they are they have different objectives, different goals in their mind. And then they won certain things you see family can even family is some they also want a different things. Yeah, so everyone what they want and what they plan in the future and what their lifestyle is totally different, because we cannot just fix one client to everyone. Yeah, it just doesn’t fit that. Yeah. Yeah. So Allah has decades. And based on the resources they have, whatever resources they have, we tried to put in a way make, make their resources, plan their resources efficiently with the resources they have. Yeah, yes. And so they can sustain more. I mean, it can be sustainable in future.

Gwen Lazarito 

Yes. Yes. And so that, does that mean that you have an ongoing service package for each of your clients? Or do you like offer them a certain type of package? Well?

Jovie Lim 

Yeah. So of course, in terms of fees, we have individual charging fees, and also the family group fees. This is quite normal, I think, to all financial planner, but in terms of package is more on, we, we try to tailor it on each and every client’s by understanding what their needs first, and then and whatever resources they have from that I helped them to plan accordingly. On based on the objective, the person Yeah, everyone’s objective.

Gwen Lazarito 

Yeah. Oh, nice. Nice. So you real advocate for tailor fitting? Yes. To each and every client. And I, I believe that to be true as well, because, you know, it’s, it’s nice to think that you can fit like a program a set of like, one set of programs for all of your clients, but in truth, you always have to tweak some parts, eliminate some parts that may not be applicable to this particular client, but may be clickable to a certain client, because you know, that for some, they want to retire early for others. Yes, yes. And, but, so, like, and you also mentioned that you also have business owners and you also help them with their with with their business finance. So, aside from financial planning, do you have any other type of services that you’re offering your clients

Jovie Lim 

at this moment, more on like, I think the so called the business part of financial planning is more when I explore further with a particular client, then only I noticed when you understand them, in Denmark, the only is a actually there are companies of manage so called performance because not every not every clients are doing big business, like big corporates, if you have if they are in the big corporates environment, they definitely have their own accountants right. Yes. So, those clients they already been take care of by themselves already by having their own financial finance department or accounting department, those business owner that issue is quite small and medium medium sized enterprise where they one person have to do many many things. So, not every one as a business owner, they are they have financial background. So this type of clients, they really need on so called additional service life, why not you help me to plan something for my company, you know, in terms of I have excess cash, probably you help me to invest at the aspect of the company perspective. Beside handling their financial personal financial planning, yeah. So I help them to plan for their company level as well. To begin with,

Gwen Lazarito 

so again, you are able to not only provide services for for them as an individual you also are offering your services to their business as well and making it very holistic. Like a Advice for your clients? And so and that’s really great. And because you are already, like catering to different stages, is it? No? Oh, this is the question. So because I know that you’re you’re catering to different stages, right. But I’ve also read that you’re very passionate about, like youth development and empowerment. So can you tell us more about that? And why you’re very passionate about this when you’re already, you know, catering to different age groups. And your clients? Yeah. So basically, actually, I

Jovie Lim 

have been active as youth. Since I was in SLA s in a university life, when I’m just like, 23 years old. I have been actively just right after university. I joined. I think you heard before this I Junior chamber International, in Philippines as well. Jc is in Malaysia. Yeah, this international organ, non government organizations. So I have been joining this organized youth organizations for for how many years? About 17 years, months long, almost two decades now. So, you know, I start quite early, I’ve been exposed for this organization quite early. So what more Oh, what about this organization is it built me to who I am today, I would say is the CM less, if you talk about an internal auditor, if I’m an internal auditor, I personally actually is a back end person ever to soak I’m more an analytical person, meticulous person that always do analysis, you know about financial analysis and etc. But, like today, I can talk to you so openly so confidently, is because I’ve been exposed in these organizations in this JCI organization for quite some times. And it built me to another person that I’m also an extraordinary person already. Even can do presentations, I can give talks, I can, I can give sharings virtual showings or physical sharing to corporates, and to any backgrounds now. Yeah. So so I feel what I gained from the organization’s is enormous. And then I feel happy of what’s my achievement today. Partially also, because of my involvement in that organization quite early. And now, I asked, so called past president of the, of the organization, in my chapter, I tried to give back to the society or in the community in many ways that I can regardless, in terms of like giving, giving talks about financial planning things, and or doing community project services, giving advisors to the new youth. And yeah, because now I’m also the so called advisor and also the snapper for the organized GCI organizations.

Gwen Lazarito 

Pretty big step because and you mentioned I never paid you for an introvert as well, because you are

Jovie Lim 

an introvert person. Last time, I mean, even my uni life, and so called I more focus on the person that focus more on like, academic achievement. Rather than, you know, give a live talks or this never came crossed my mind when I was very young. So that’s how things develop, growing. When we intend to learn more, we intend to get more actually and of course when you share more, indirectly able to share is also a blessing. Yes, yes. So this is how I look at life and love look at how I able to even coach my clients are not only financially but sometimes in terms of how, how to move on with their life meaningfully with better purpose or great purpose. It is very important for you to have a directions or clear directions in your life. That’s for that because

Gwen Lazarito 

as a financial advisor I believe that you’re not only there to help your clients, with their, with their finances, you’re also there to be like their chief cheerleader, because finances are greatly tied to life in general.

Jovie Lim 

Yes, very, you know, people may be emotionally brick now because of their financials. problems, you know. So all this is linked is part and parcel of life. So it’s important to get yourself build up yourself. When you have a directions, you are able to find ways to support yourself better in terms of financially, emotionally or physically. Yeah, all these traits are very important elements in life. Hi, definitely agree. So

Gwen Lazarito 

Jovi, thanks so much for for all of these, like knowledge. And I really love how we’re able to talk about how you started in the industry and like, how you’re supporting your clients, especially during the pandemic, it’s very powerful to have these this information. And so, before we end the podcast, I’d like to ask you what are like the top three advice that you can give financial advisors just starting out in the industry?

Jovie Lim 

Alright. I was saying some, when you are about to step in, in this financial planning industry, there are two, there’s always two things you need to ask yourself. Okay. The first why there’s two wise Okay, the first Why is why you want to be a financial planner. Okay, the first why, okay, the second, why is why people chose you instead of others. Okay, because the first man we talked about the first Why, why you want to be a financial planner, my purpose and meaning in your career? I believe? Yes, we are doing financial planning, because we want to build a career, to earn and to earn an income is very important. Yes, this is very important. I acknowledge that. But if you can find a purpose, and meaning in this career of what you’re what you’re doing right now, you can go very far. Because once you are sincere, people can feel you. Yeah. So this is the things that you need to ask yourself first thing, the second thing is why people instead of others, because nowadays, we can be replaced one day by robo advisor movement. So now you have to ask yourself, what is the things that within you that what is the treasure within you that you can give to other people, that people even though you talk about financial plan, and they’re almost, you know, many of them, and of course, now even more challenging when it was more Robo advisory services coming up? You know, so you have to be different. It can be like, you can ask yourself, Is it because of your service? It’s because Is it because of your knowledge? Is it because of your attitude? All these things? What are the things that you can make yourself different that can add value to them to your clients, for example? So these are the two things that I wish the new financial planners who intend to in? Yeah, to take this as your career path. Definitely financial planner has in a good income and etc. But how to be a different financial planner is Yeah, to be more sustainable. And you’re replaceable. Yes. My Yeah. My advice. Yes.

Gwen Lazarito 

Actually, the, you know, Robo advice is something that’s a really good topic, and I hope that we can have another conversation with that in the future. But thanks so much for coming into the show. So much for your advising me. Yeah, thank you very much. You’re welcome. And, like, where can people find you or get to know more about you? After you know, listening to this podcast,

Jovie Lim 

or so far as we intend to put in my Facebook? Oh, my thoughts. We do it live or even. We recorded and I will put a post on my Facebook about the get this podcast. There’s just one So I can share to my to people to a wider crowd in future as well.

Gwen Lazarito 

Yeah no problem I’ll definitely put in your Facebook information in the podcast description below and as well as your LinkedIn profile so thank you so much Jovi again for THANK YOU TIM to you. Okay, bye