Inclusion Criteria:  Older adults aged 65 and above Followed up at National Healthcare Group Polyclinics for any chronic condition Able to communicate in English, Mandarin, Malay Reports Fear of falling as screened by single question  Exclusion Criteria:  Unable to agree to participation e.g., due to cognitive impairment Unable or unsafe to participate in any exercise as determined by clinician e.g., terminal illness, uncontrolled hypertension, immobility Unable to participate in telephone sessions e.g., due to hearing impairment Known psychiatric condition on treatment