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As your financial planner, I am equipped with multiple licenses. This works towards your advantage as you will be able to see which solutions fit you best. Gone are the days where one needs to approach many agents just to compare one simple plan.

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 risk management and Universal Life solutions readily available in the industry, as I am licensed by the majority of the insurance and takaful companies.


Approved by Bank Negara Malaysia

Capital Markets Services Representative's License
Capital Markets Services Representative's License

Licensed to advise individuals, self-employed entrepreneurs and businesses on holistic financial planning and its implementation ranging from conventional / Shariah 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 solutions such as Unit Trust, Private Retirement Scheme (tax relief), bond, private equity, 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
  • Cash-flow management
  • Mortgage
  • Credit card
  • Education loan
  • Any other debt settlement
  • CCRIS
  • CTOS
Protection

  • Universal Life
  • Asset protection
  • Family income protection
  • Employee medical benefits
  • Healthcare
  • Insurance / Takaful analysis
  • Critical Illness
  • Accident
  • Income Tax and Zakat
Growing your money

  • Cash investment
  • Emergency funds
  • EPF investment
  • Children’s education
  • Retirement
  • Home buying
  • Employee retirement & retention programme
  • Retrenchment
  • Growing your business funds
Leaving a lasting legacy

  • Easy & interference-free inheritance for your loved ones
  • Ensuring there is a legal guardian for your underaged children
  • Perpetual income for your family
  • Business continuity
  • Debt and 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, because this isn’t what I seek for in a client. 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

  • 1.5 hours 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.
  • Remit 50% deposit.
  • Financial plan will be drawn out.
  • Solutions will be proposed according to scope of work.
Implementation

Implementation

  • Remittance of 50% balance.
  • Account opening of proposed solutions.
  • Subscribe to the proposed solutions.
Review, strategise, add on, repeat

Review, strategise, add on, repeat

  • Review is done twice a year.
  • 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.
Corporate Financial
Awareness Workshop
  • Two hours talk on financial planning.
  • One-to-one consultation with management and employees.
Starting from RM1,xxx
Corporate Financial
Advisory
  • Business financial planning including cashflow management, key-man planning, growing biz funds and more.
  • Suitable for self-employed entrepreneurs, business owners and key senior management.
Starting from RM3,xxx
Individual Financial
Advisory
  • A series of two-hour advisory on comprehensive financial planning or per scope basis.
  • Suitable for individuals, professionals, parents, spouses and those who are looking to truly live the fullest life, without worrying about unwanted events and shortage of money.
Starting from RM5xx to RM5,xxx

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

saving-budgeting

Readiness for Unexpected Life Events

Readiness for Unexpected Life Events

Planning for Retirement

Planning for Retirement

As seen on the media.
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LITE Fm Interview – Growing Pains

What my clients say about me.
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Testimonial by Senior Management

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Testimonial by Captain, Aviation

Aisya Rahman Advisory - Testimonial By CEO & Entrepreneur

Testimonial by CEO & Entrepreneur

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FAQ

Frequently Asked Questions:

Having CFP/IFP is just the first step, this is just the mandatory paper qualification. Any agent who aspires to become an Independent Financial Adviser has to resign from the principal insurance or unit trust company that they are attached to, so that they can be fully certified as an Independent Financial Adviser and 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.

I agree that some products can be purchased online directly at 0% sales charge. At 0%, you are required to self-service, submit your own claims, follow up, monitor the market daily, take necessary actions when the market turns bullish or bearish. As an Independent Financial Adviser, I always believe 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 an Independent Financial Adviser could be of value to your financial future and independence. Price is secondary.

True, however misfortunes, recession, retrenchment, illness 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 complete your documents are, and how fast you’re able to furnish me with all relevant information.

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.

Being independent means my views are neutral. You have an option to subscribe to either conventional or Shariah solutions. As part of my duty of care, I would truly encourage the latter. You will be surprised at how many solutions out there that are actually Shariah compliant, which can outperform Amanah Saham Bumiputra.

Like what you see?

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

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