Hello! I’m Aisya Rahman. Based in Damansara, Malaysia, I am an Independent Financial Adviser, Certified Financial Planner and an Islamic Financial Planner. The financial planning licenses that I carry include:
You may already have your own insurance / takaful, unit trust and other investment agents. Then comes the bankers you’ve engaged to assist with your loans and credit cards. You have your company secretary to work on business arrangements, and tax agent to help with tax filing. Terms like will writing, wasiat, hibah, business succession planning, private trust are not foreign to you, you sort of know what these tools are but you have no idea how to integrate it in your life.
Now, how do you view all of these in one big picture? Which one of these individuals have allocated time to plan with you so that your debt could have been paid off earlier through specific financial planning strategies, which of your investments are repetitive and your capital are not being fully maximised, how many years will it take for you to spend all of your life savings and retirement funds, is there a way for you to save a significant amount of premium / contribution by subscribing to the right insurance / takaful plans, or how do you ensure your loved ones won’t go around begging for money for survival once you’re gone?
That’s where I come in.
Like the Konmari way of cleansing what you own and applying minimalism to your life, I help my clients declutter their finances, review and reduce their commitments so that they could free up their finances to plan for their children’s education, retirement, buying a new home, expanding their business, pursuing their dreams or simply ensuring that enough funds are being left behind for their business and loved ones when they depart from this world.
Having your own financial plan is like doing a medical check up to understand and enhance your well-being. Similarly, a financial plan points out the financial gaps that you probably may have never thought about, how this gap could drain all your life savings if you don’t establish a plan for it.
Don’t wait for Covid-19, unemployment, cancer, divorce, accident and many other unfortunate events to happen before you decide to finally sit down to plan for your finances and take actions. It will cost you less if you plan earlier. For me personally, I already have plans waiting to be executed for charity, debt clearance, pay for my children’s university and wedding should I die while they’re still young.
If you’ve been in charge of your finances all your life, wouldn’t you want to be in charge of your finances when you’re already gone too?
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
I only work for free when it comes to charity. When it comes to solving mathematical quizzes and providing solutions to an actual person’s financial dilemma, the time spent on this translates to cost.
I’ve invested over 10,000 hours in acquiring professional qualifications such as CFP CERT TM, IFP®, on top of my Diploma, Degree and Masters qualifications, attending monthly industry discussion pertaining to financial planning as well as going for courses to upgrade my craft and practice. These investments I made were necessary and they were not cheap or easy.
That’s why in Malaysia, there’s only a small figure of financial planners like me (refer here) while the rest choose to remain as unit trust or insurance agents.
With my experiences as someone who was once a corporate achiever, Premier Banker, unit trust agent, insurance agent and now a financial planner, I help my clients to see their finances in one big picture with a renewed pair of eyes. By tapping into my experiences, you cut short the process, you won’t waste time DIY-ing because time is money. I also have a proven track record of managing more than RM10 million asset under management (AUM) which you could also tap into.
My advisory fee is just a small token in exchange of bigger savings and returns in the long run. When you’re clear-minded, naturally the next steps to take will become easy. How do you put a price tag to your own freedom and peace of mind? You’re far more valuable and priceless.
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.
Awareness Workshop
Advisory
Advisory
Discovery meeting
Making it official
Implementation
Review, strategise, add on, repeat
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.
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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.
