Financial Services

We offer holistic financial planning services that cover all six key areas essential for your long-term financial wellbeing. This includes managing your cash flow, planning suitable investments, ensuring proper risk protection through takaful or insurance, preparing a solid retirement plan, organizing debt responsibly, and arranging estate planning to ensure your assets are passed on smoothly. Our goal is to help you gain clarity, confidence, and control over your financial future

Retirement Planning

We help you estimate how much is needed to retire comfortably, and work backwards to develop a savings and investment strategy. We also help diversify beyond EPF, which often isn't enough on its own.

Example: A 45-year-old with RM180,000 in EPF plans to retire at 60. Based on a retirement lifestyle of RM3,000/month, they need RM720,000 for 20 years. We calculate the shortfall and recommend a combination of PRS, ASB savings, and rental property income to bridge the gap.

How it helps:
✅ Prevents shortfall during retirement
✅ Reduces reliance on children or government support
✅ Builds multiple income streams (dividends, rental, PRS payout)
✅ Offers peace of mind and structured retirement lifestyle