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.
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:
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
Making it official
Implementation
Review, strategise, add on, repeat
Awareness Workshop
Advisory
Advisory
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
Planning for Retirement
As seen on the media.
The Donna: Pakar Kata Apa?
Hello Gold #EmaszingWomen – Aisya Rahman
LITE Fm Interview – Growing Pains
What my clients say about me.
Testimonial by Senior Management
Testimonial by Captain, Aviation
Testimonial by CEO & Entrepreneur
A collection of my financial planning pieces.
Why do you choose to send your kids to the schools they are currently going to?#LITEGrowingPains
This is off topic, not really related to financial planning or wealth management per se. However the end result of what…
Whatever that you do, do you always: start with the end in mind? Take KLCC for example. It wouldn’t have been launched…
I have met hundreds of prospects and am currently consulting an amazing base of clients. So I figured I’d like to…
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.
