,

It's 3AM. My baby is finally asleep, and I'm reflecting on something that hit me hard tonight...

As I held my newborn baby, calculating that I have 360 months left until retirement, I realized something profound:

When you decided to invest with me, you weren't just handing over money. You were entrusting me with your time, your dreams, your family's future.

That's not lost on me. Not for a second.

I have been thinking about my parents lately.

They were incredibly prudent with money, planned well, saved diligently, never made me worry about their retirement. They gave me the gift of financial security and peace of mind....

Looking at my newborn son, I want to give him that same gift!

And that's exactly what we're building together.

Every month you invest, every decision we make together, every market dip we weather, we are not just growing wealth. We're building legacies!

I know it's not always easy...

The markets test our patience. Headlines create anxiety. Some months feel like we're moving backward.

But here's what I want you to remember..

Time is our greatest ally!

Those months (or however many you have left) aren't just counting down. In fact they are compounding. Every single month your money is working, growing, building toward the life you envision...

That takes courage...

While others are hoping CPF will be enough, you're taking action. While others are paralyzed by market volatility, you're staying the course.

I don't take your trust lightly!

Every recommendation I make, every strategy we implement, and every conversation we have, I approach it with the weight of responsibility I felt holding my son tonight.

Your financial future is in my hands, and I promise you this:

I will give you my absolute best. Every single day.

We are building something beautiful together - one month at a time.

Here's to staying the course. Here's to the legacy we're creating for the people we love most.

With deep gratitude and unwavering commitment!

Best Regards,

Zest

P.S. This is not written by chatgpt, every word is from my heart...