JY Advisory Group

The number 1 retirement question most people cannot answer.

I have tried asking this question to doctors, lawyers, business owners, top executives...

“How close are you to dream retirement life?”

Let’s say you’ve been investing $2,000 every month for the past 8 years.

Your portfolio today shows $210,000.

Sounds responsible right?

Here's where most people get stumped:
Do you know what percentage of your retirement goal this $210k represents?

Are you:

🤔 10% there?
🤔 Halfway there?
🤔 90% done?
🤔 Or still very far away?

Most people don’t know.
Can you the reader answer this question for your own portfolio?

You see, most of us just keep saving and investing because we know it will get us somewhere.

Exactly what kind of life that pays for?

Most of us just optimistically assume it's a comfortable one.

Doesn't that make retirement planning feel like treasure hunting without a map?

You’re putting in the effort…

But you have no idea if you’re getting closer to the treasure.

In this video, I break down the Goals-to-Reality Approach we use with clients that changes this completely.

Many of them become more motivated to invest, because the destination finally feels real.

🎥 Watch the full breakdown here:

Retirement Planning Is Like Treasure Hunting Without A Map Janice specializes in creating a certainty framework for irreversible long term decisions through her Goals-to-Reality Approach (GTR Approach). If you wish t...

Most people assume you need a $10K+ income to retire comfortably in Singapore.

I’ve seen proof that you don’t.

My 72-year-old mother has been retired for a decade. She travels multiple times a year, not just short regional trips. We’re talking about Europe, Japan, Australia.

The part that makes this worth mentioning?

She never earned five figures a month.

Neither did most of her friends who are equally happily retired and jetsetting with her. Some of their last drawn salaries were around today’s median income or less.

Yet they’re living the retirement lifestyle many high earners assume is out of reach.

Over the years, I’ve worked closely with high income professionals to help them to commit to irreversible decisions that sustainably fund their ideal retirement lifestyle.

Here's the common pattern I observe across all those who are on track or have successfully retired (regardless of income levels):

It was never ONLY about earning more.

It was about:
💡Early clarity
💡Relentless consistency
💡Strategic patience

In this video, I break down exactly what an entire generation earning modest incomes did differently. Through these lessons learn the key principles we can replicate in 2026.

If you think retirement comfort is purely an income game, this video might challenge that assumption.

The Retirement Strategy That Worked For An Entire Generation Of Modest Earners Janice specializes in creating a certainty framework for irreversible long term decisions through her Goals-to-Reality Approach (GTR Approach). If you schedu...

Watching my parents’ generation retire comfortably gave me a strong understanding on the formula to build a dream retirement life with modest resources.

In this article, I share these timeless principles with you enhanced with my modern perspectives.

How My Parents’ Generation retired Comfortably (and why their strategy still works today) Important retirement planning lessons I took away after watching my parents who have never earned a 5 figure income build their dream retirement life.

7 years in the business and I haven't been consistent with collecting testimonials in recent years.

Part of it is because… who really reads through 34 𝘵𝘦𝘴𝘵𝘪𝘮𝘰𝘯𝘪𝘢𝘭𝘴 on a website, right? Especially when each one is a short story on its own 😂.

But every time I revisit them, I’m reminded of 𝘸𝘩𝘺 I do what I do.

You can really feel the heart work in every client’s testimonial.

The trust, the transformation, the real impact.

I really feel appreciated and it reminds me to keep focusing on creating tangible outcomes for my clients.

Over the years, I’ve also built credibility in other ways through teaching industry practitioners and mentoring team members.

Time to start being more intentional again. I would love to hear from new clients too.

Because these Stories of Impact aren’t just proof of work.

They're also proof of care.

P.S. you can read all 34 testimonials at https://www.jyadvisory.sg/what-people-say

When I first entered the workforce, I looked forward to cafe hopping, trying out new restaurants, and driving around in my second-hand car.

There's no wow factor, but it made me happy. The problem? My expenses were high for a fresh grad salary. It did bugged me that I only could save $500 a month.

So I had two options:
1️⃣ Cut expenses
2️⃣ Earn more

I made a choice early on. I wouldn’t compromise on the lifestyle that gave me happiness. That became my “happy life expense number.”

Fast forward to my second year as a banker.

The monthly sales grind wore me down. Each month’s target reset felt like running endlessly on a hamster wheel. Feeling jaded, I explored a non-sales role.

At the final interview, I asked about the pay. When I realized it would mean cutting my lifestyle expenses just to save more, I found myself 𝘱𝘳𝘢𝘺𝘪𝘯𝘨 𝘵𝘩𝘦𝘺 𝘸𝘰𝘶𝘭𝘥𝘯’𝘵 𝘰𝘧𝘧𝘦𝘳 𝘮𝘦 𝘵𝘩𝘦 𝘫𝘰𝘣.

That moment, I realized: 𝗰𝗼𝗺𝗽𝗿𝗼𝗺𝗶𝘀𝗶𝗻𝗴 𝗺𝘆 𝗹𝗶𝗳𝗲 𝘄𝗮𝘀 𝗻𝗼𝘁 𝗮𝗻 𝗼𝗽𝘁𝗶𝗼𝗻.

And here’s the part that most people don’t like to hear:

Most people struggle to build wealth because of idealistic expectations.

They want to enjoy their lifestyle and build savings… but they’re unwilling to do the one thing that actually makes it possible...

Increase their income.

You can’t Netflix-and-chill your way to financial freedom.

So, I strived to become good at my job. Not because I loved sales (I’m an introvert who actually struggled in banking), but because I loved the idea of uncapped potential.

That clarity gave me the courage to make tough decisions later:
✅ Switching firms even when my ego told me to stay
✅ Choosing growth instead of comfort
✅ Building a foundation where savings and investments grew with me

The lesson?
To have savings and a good quality of life, you don’t just need discipline. You need higher income.

Today, I can say my lifestyle hasn’t inflated much since then. If I can eat what I want without looking at the price tag and travel once or twice a year, I’m happy. The rest? It compounds into freedom and better choices for the future.

She didn't have the courage to invest more...

Until we worked together 😆

To celebrate my 7 year anniversary, I'm sharing some of my most memorable case studies during my career.

This client of mine did want to have some form of income replacement after she retired.

As she didn't have someone properly advising her, she did what she thought was best based on her discretion.

The only issue was, time was ticking down. She's already 52, yet she was still investing bite size (just in case her judgement was wrong).

When we started working together, she realised my retirement strategy was very aligned with hers.

Through our hand-holding process, she found the courage to finally give her retirement goals an ambitious effort.

No need to tell herself, if she falls short it's okay, just live a simpler life...

She told me she wished she met me 20 years ago ❤️.

It's experiences like this that makes me feel my work is super transformative and meaningful.

Some lessons learnt from her case study that applies to many of us:
👉🏻 Bite size planning gets you started, but it doesn't help you live your ideal life
👉🏻 Taking small steps shows caution and uncertainty, you need to work with someone who gives you courage. (If you fear finding the wrong person, set a stricter standard on your due diligence)
👉🏻 If someone doesn't start from your goals, it's a red flag 🚩
👉🏻 Your goals aren't arbitrary numbers. It's math. First you need a clearly defined goal
👉🏻 Your financial commitments should get you closer to what you what. If its payoff is vague, you shouldn't commit.

If you have anymore lessons to add, share them with me in the comments below 😊.



The knowledge and conversations I use to guide my client through blindspots & gain clarity are the exact content I teach in the Foundations Mastery class. Details in comments.