simplify and Grow Your Personal Finances

We provide you online financial tools, insights, and connect you to dedicated licensed financial planners to help you simplify and grow your personal finances with confidence.

Your Holistic Financial Plan

A comprehensive financial plan incorporates 6 key areas of personal finance:

• Investment Management
• Risk Management & Insurance
• Goals Planning
• Estate Planning
• Debt Management
• Tax Planning

Cash Management

Cash management is important to:

• Determine your cash reserve requirements
• Increases the potential amount that can be invested
• Know your ideal investable amount
• Set aside cash reserves before investing

Risk Management

Risk management is necessary to:

• Minimize financial shocks and stress
• Find out just the right amount of coverage to match your life priorities
• Minimize overlaps and cut unnecessary costs
• Safeguard financial continuity for you and your family if a risk occurs

Investment Planning

Investment planning helps you achieve better returns while minimizing your risks:

• A diversified portfolio gives you better returns as asset classes perform differently over time
• Proactive investing comparing different investment assets for the best performers
• Minimizing investment costs to maximize potential returns

Active Performance Management

Active performance management is actively tracked and implemented including:

• Rebalancing investment asset allocations to target allocations
• Restructuring underperforming to best of breed investment asset categories
• Profit taking to lock in investment gains when opportunities arise

Performance Monitoring

Performance management and monitoring helps you to know whether you are on track to achieve your plans:

• You receive ongoing advisory services when you face new financial challenges or receive new financial proposals
• You get support from our team of professionals and business partners

Financial Life Priority Tracking

Your financial goals and priorities are set and tracked in a timely manner where:

• Assets are clearly earmarked for each goal so there’s no confusion or mix-up of assets
• Liquidation process starts 3 years before funding is required

“Time flies—it’s been 5 years since I graduated and entered the workforce. In that time, a lot has changed, especially with my finances. A major turning point was starting to work with my financial planner in 2020. Since then, my financial health—cash flow, net worth, and protection—has improved significantly. Partnering with a trusted advisor has enhanced every aspect of my finances, from insurance and will-writing to investments and retirement planning. I couldn’t have achieved this progress on my own without the help of licensed professionals.”
~ Yi Xuan, Founder of NoMoneyLah (Read 5-year testimonial)

“Having a financial plan in place and proper insurance coverage provides peace of mind for myself and my loved ones. Savings created from good financial planning prove beneficial especially in difficult times. Now having a better financial plan, I will be able to improve, control, and hopefully sustain my financial lifestyle.”
~ Angeline, Selangor

“What happens when a cocky DIY Investor (me) gets advice from a licensed financial planner? But maybe this independent streak of mine; believing I can learn anything from the Internet is sometimes a weakness. Actually, it’s kinda arrogant. And if there’s one thing I’ve learned about growing older, it’s you don’t have that much time to DIY anymore. Oftentimes, the smart thing to do is work with an expert, a professional.”
~ Aaron Tang @ mr-stingy, founder (Read tesimonial)

“Alhamdulillah, selesai annual review financial planning ‘ter-exceed’ target. Saya yang merupakan graduan Islamic Financial Planner (IFP), ‘terpaksa’ engage seorang Licensed Financial Planner untuk bagi advise, seterusnya buat action plan. Banyak kelemahan perlu perbaiki. Dan inilah hasilnya.”
“Even as a IFP certificate holder, I engaged a Licensed Financial Planner for holistic advice and action. Starting in 2018, it takes time and effort, but I’m grateful to have exceeded my financial goals in my annual review. It’s important to be open to feedback and recognize that we all have areas to improve.”
~ Eza Ezamie, MD LaughingTree & former CEO of Smart Investor

“InsyaAllah we now have our financial plan, tailored specifically according to our own situations, needs, and goals. We covered diagnostics, recommendations and action plan. The best thing is that the Independent Financial Adviser is not attached to any one product and the approach is not pushing products. I was advised from cash flow, children’s education, haj planning, insurance protection, retirement planning, wasiat, tax, zakat, etc.”
~ Siti Nur’Rahmah, Kuala Lumpur

“我终于可以好好做自己，无需在每天醒来时担心卡债利息的事，过去心惊胆战的日子突然全都不见了！我真的哭了，終於跨过了这个煎熬——不止解决了10多千的卡债，还一并还清了车贷，每月现金流由负转正，多余的钱还可为应急基金和退休基金做准备。我仅保留一张信用卡作为平日用途，承诺自己不再背负卡债。感谢通过财务规划，引导我看见自己的问题，并尽力为本身财务人生负责。财务规划真的很重要，每个人都需要它!”
~ GL, Kuala Lumpur