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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, self-employed entrepreneurs and businesses 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), 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
  • CTOS

  • Asset protection
  • Family income protection
  • Employee medical benefits
  • Healthcare
  • 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

  • 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.
Individual Financial
  • A series of advisory discussion 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
Corporate Financial
Awareness Workshop
  • Two hours talk on financial planning for all employees.
  • One-to-one consultation with management and employees.
Starting from RM1,xxx
Corporate Financial
  • Business financial planning including cashflow management, key-man planning, growing business funds and more.
  • Suitable for self-employed entrepreneurs, business owners and key senior management.
Starting from RM3,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


Readiness for Unexpected Life Events

Readiness for Unexpected Life Events

Planning for Retirement

Planning for Retirement

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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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Independent Financial Adviser. [F]

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