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.