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As a Licensed Islamic Financial Planner in Malaysia, my clients have the added advantage because they can tap onto any of my multiple licenses which grant them local and global access. Gone are the days where one needs to approach many agents just to compare Shariah investment solutions or takaful plans.

With me, you will see all that you already have in one big picture. What comes next is an analysis of what you truly need, followed by the available solutions.

Financial Adviser Representative

Financial Adviser Representative

I provide independent unbiased views on Shariah risk management solutions readily available in the industry, as I am licensed by the majority of the takaful providers.

Approved by Bank Negara Malaysia

Capital Markets Services Representative's License

Capital Markets Services Representative's License

Licensed to advise individuals, senior management, executives and entrepreneurs on Shariah holistic financial planning and its implementation ranging from fund management, onshore as well as offshore investments.

Licensed by Securities Commission Malaysia

Corporate Unit Trust Adviser’s Representative

Corporate Unit Trust Adviser’s Representative

Equipped with access to majority of the investment players, offering Shariah solutions such as Unit Trust, Private Retirement Scheme (tax relief), sukuk, index, ETF and more.

Licensed by Federation of Investment
Managers Malaysia

Estate Planner

Estate Planner

Taking you to the future to plan for how you want your legacy to be remembered, through will writing, wasiat, private trust, foundation, hibah, business succession planning and more.

Licensed by As-Salihin Trustee Berhad, Rockwills Trustee Berhad, Estate Planner Practitioner (AEPP®) by UK’s Society of Will Writers and EPPL Ltd.

Typically, my clients start with only one or two scopes below, and slowly progressing into a more comprehensive scope covering the whole slew of the following services:

Debt management

  • Budgeting
  • Cashflow management
  • Mortgage
  • Credit card
  • Education financing
  • Debt consolidation

  • Asset protection
  • Family income protection
  • Employee medical benefits
  • Healthcare
  • Takaful analysis
  • Critical Illness
  • Personal accident
Growing your money

  • EPF investment
  • Education planning
  • Retirement planning
  • Migration planning
  • Acquiring a new property
  • Private Retirement Scheme for employers
  • Growing your business funds beyond Fixed Deposit
Leaving a lasting legacy

  • Will writing / wasiat
  • Perpetual income for your family
  • Business continuity
  • Debt, zakat and income tax clearance
  • Charity

Depending on what your scope(s) is/are, you can pick and choose what you want to work on first.

Our engagement is not a one-off, touch-and-go occurrence. I’m looking for engagements that can last for many years, as I’ll be right next to you and loved ones to plan and execute the agreed financial solutions according to your priorities, affordability and timeline.

Discovery meeting

Discovery meeting

  • Online discussion to understand your situation.
  • Identify scope of work.
  • Decide to invest or divest in the engagement.
Making it official

Making it official

  • Sign letter of engagement.
  • Remittance of advisory fees.
  • Financial plan will be drawn out.
  • Solutions will be proposed according to scope of work.


  • Account opening of proposed solutions.
  • Subscribe to the proposed solutions.
Review, strategise, add on, repeat

Review, strategise, add on, repeat

  • Review is done based on the agreed timeline.
  • When the need arise, additional scope of work will be discussed accordingly.
  • Once you’ve setup a financial plan for yourself, the most natural thing to do is to plan for your loved ones next.
Private Wealth Management
  • Suitable for individuals, professionals, parents, entrepreneurs and those who are looking to truly live the fullest life, without worrying about unwanted events.
  • Comprehensive Financial Plan will be drawn out after advisory is completed.
You're your greatest investment, don't delay this.
Corporate Financial
Wellness Workshop for Employees
  • Customised Financial Wellness and Financial Literacy workshop for employees’ well-being.
  • Employers are able to utilise HRDF funding as we are a HRDF Accredited and Registered Trainer.
Get in touch to discuss on content.
Self-learn Personal Finance
  • Understand all the steps in personal finance via our pre-recorded course.
  • Study at your own preferred time and place, follow your own pace.
The 8-hour recording is yours, forever.

These are excerpts from FEN on MALAYSIA National Strategy for Financial Literacy 2019-2023. You got to plan ahead if you don’t want to be one of the statistics.

Saving and Budgeting


Readiness for Unexpected Life Events

Readiness for Unexpected Life Events

Planning for Retirement

Planning for Retirement

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What my clients say about me.
A collection of my financial planning pieces.
Why is EPF nomination important?

Have you completed your EPF nomination? And have you converted your EPF to EPF Shariah? The role of trust nomination is…

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Should you invest in unit trust?

Should you invest in unit trust? If you're already investing in unit trust, how are you investing? Still via the old…

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Is PRS better than EPF?

Is PRS better than EPF? Should you invest in PRS since you already have EPF? Have you ever met the good…

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Why is your takaful / insurance so cheap?

Cheap medical takaful / medical insurance, good or bad? Having a basic takaful or insurance plan is a good start but…

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Financial Literacy for Children.

Financial literacy does not stop with you. It begins with you, and you shall pass it on as a legacy to…

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MRTA, MRTT, MLTA and MLTT. What are these?

I once asked my mother, who would pay for our house when you’re gone? That was how she introduced me to…

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Frequently Asked Questions:

Having CFP/IFP is just the first step, this is just the mandatory paper qualification. Any agent who aspires to become a Licensed Islamic Financial Planner has to resign from the principal insurance/takaful or unit trust company that they are attached to, so that they can acquire the necessary licenses from Bank Negara Malaysia and Securities Commission.

Upon our death, our assets will be frozen, and the law kicks in. The law will look into the legal documents that we have prepared before our departure such as will/wasiat, nominations and others. If these legal documents are not available, then our loved ones will need to go through the longer route to unfreeze our assets which can be costly and time consuming.

You are right. If that’s your cuppa, DIY is the way forward. My service is meant for those who would like to channel 100% of their time in managing their career growth and is open to collaborate with a professional to guide them on opportunities that is not on their radar. I always believe that financial products should never be sold, it should be professionally prescribed. It is about making better financial decisions time after time. If you value this, then that’s where having a Licensed Islamic Financial Planner could be of value.

True, however misfortunes, recession, retrenchment, illness, covid-19 and death do not only happen to those who are older, it can happen to anyone regardless of age. We should plan for our lives with much better care than we plan for our holidays. A temporary escape is good, but what’s permanent and everlasting is a change towards how we handle our financial well-being.

Upon signing the letter of engagement and remitting the advisory fee, the process to develop your financial plan can take up between one to three months. It depends on how much time you’re able to allocate to create and develop your holistic financial plan.

Like marriage, you’ll know it when you’re ready.

You can hold on to it until we have identified your financial goals. We will use what you already have to identify if there are any duplications or shortfall.

Let me be the first of many to share this good news with you – I have a Shariah investment formula that can outperform Amanah Saham Bumiputra. Now the ball is in your court to give yourself the opportunity to elevate your investment choices.

Like what you see?

Drop me your details and I will get back to you soon.

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Licensed Islamic Financial Planner. [F]

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