Four ways we plan your money
The disciplines Malaysian households and owner-run companies retain us for — each fee-based, each built from a single written plan.
Four ways we plan your money
Every engagement starts from one written plan and stays fee-based throughout — we are paid by you, not by a product.
Financial Planning
One written plan for your household — cash flow, debt, protection, retirement — and the order to do it in.
What this coversInvestment Advisory
Low-cost, evidence-based portfolios built to your plan, then reviewed, rebalanced and reported on in plain figures.
What this coversRetirement Income
Turning EPF, PRS and savings into a monthly paycheck that lasts, with the tax and drawdown order worked through.
What this coversProtection & Estate
Right-sizing insurance and getting your will, EPF nomination and wasiat in order — reviewed, never upsold.
What this coversFive steps, start to plan
No drawn-out onboarding and no hand-offs to a call centre. One adviser owns your file from the first call onward.
Discovery call
A free, confidential call about where you are and what you want your money to do. No sign-up, no obligation.
Financial X-ray
We gather the statements and map everything you own, owe, earn and pay — the true starting point.
Your written plan
A plain-language plan: the moves, the order, the cost and the trade-offs. Yours to keep either way.
Put it in place
We help open the accounts, place the portfolio and close the gaps — or hand the plan to your own people.
Reviews that matter
A scheduled review each year, or whenever life changes, to keep the plan true. Most clients stay on a retainer.
Fees, engagement and your information
01How do you charge?
A fixed fee for the written plan, agreed before we start and set by complexity. Ongoing advice is a flat annual retainer or an hourly rate — never a slice of a product you bought.
02Are you really commission-free?
Yes. We hold a fee-based licence and take no commissions, trailer fees or product incentives. If a recommendation earns us nothing, we still make it.
03Is the first call free?
The discovery call carries no charge and no obligation. It is how both sides decide whether we are the right fit before anything is signed.
04Do I have to move my money?
No. We can advise on what you already hold and leave it where it is. Where a change helps, we show the cost and let you decide.
05How is my information handled?
Your statements and plan are confidential and covered by the PDPA. We sign an NDA on request and never pass your details to product providers.
06Can you work with my banker or accountant?
Often that is the best outcome. We sit alongside your existing advisers and keep everyone working from the same plan.
See your plan before you commit to it
Book a free discovery call. You will leave with a clear next step, whether or not you decide to engage us.