Integrated Solution
To achieve Suitability, Sufficiency, Sustainability & Synergy of your Financial Abundance across your Lifespan.
Living Cost Planning
Long Term Care Cost Planning
As we age it is inevitable that we need to confront a range of health issues - both general and severe. Apart from the huge hospitalization cost that we have to face, we also have to face long term health care cost which includes the care-provider e.g, a maid, nurse, therapist or nursing home. Health and medical cost are compounded by aging population, longer lifespan and pervasive diseases. Given these scenario we need to plan forward to ensure we would not create burden to ourselves and family members financially.
Call us to make arrangement.
Medical Expenses Planning
Debt/Loan Settlement Planning
Debts or Loans is the second highest factor of personal bankruptcy in Malaysia. This scenario resulted from over spending, purchase of luxurious goods, buying beyond our means and even property market speculation. Of course, this could also arise from losing our job which immediately impacts our ability to pay for our basic needs and lending commitments and consequently create a situation of debts and non-performing loans. There must be contingency plans when these scenario, and they are getting more common, happens.
Call us to make an arrangement.
Total Insurance Policies Review
Travel Protection Plan
Investing in travel insurance is essential for safeguarding both your financial stability and peace of mind during any journey. Beyond just medical emergencies, it covers trip cancellations, flight delays, and lost baggage—helping you avoid unforeseen costs that could otherwise ruin your trip. With the unpredictability of global travel, comprehensive travel insurance provides an affordable solution to protect your health, finances, and personal belongings, ensuring that every trip is worry-free.
Call us to make an arrangement.
Retirement Planning
Retirement planning is more than numbers. It’s really a much broader subject than that because you also have to be prepared for other challenges as you age. The relevant question here is, how you will live after your retirement? Do you still need to continue paying for debts and loan while you age? Whether the money you saved is enough for the rest of your life? How are you going to fund for any unexpected contingencies? This “lack of planning” often leads to dissatisfaction and disappointment when one realize that their funds many not be sufficient to support their desired lifestyle. As a result, many people go back to work part or full time, to obtain some extra money. Hence this could be avoided by engaging with our advisors to help you assess what you’ll need for retirement.
Post Retirement Planning
How to plan for your income or saving after your retirement? Just because you have retired does not mean you should stop your financial planning. In fact, having a proper financial plan is more important than ever as you must ensure that your money lasts as long as you do and, most likely beyond. Your retirement capital must last for the rest of your life so careful and continuous planning is vital to ensure you do not outlive it. But what options do you have? Talk to us to make sure everything is under control.
Education Planning / Personal Education Plan
Everyone knows that education is the KEY to a BRIGHTER FUTURE! Hence, education planning becomes a vital planning for our children! Today’s parents no longer risk their children’s education by relying only on public scholarships or government’s study loan.
Hence, it is essential to start saving for our children’s education as early as possible and better still, NOW! It will never be too early to start saving for our children as education cost is no longer cheap. The question is how much is sufficient? It all depends on the course and the country of which the education is to be taken place. No worries, engage with one of our financial advisors to assist you on this!
Planning for education is one of the most significant investments for the future or your child’s success. A Personalized Education Plan is more than just saving money—it's about strategically building wealth through customized investment vehicles and knowing how to preserve it. This proactive approach ensures you have the necessary funds when needed, reducing the burden of rising tuition fees and related expenses. Secure the academic future of your family and achieve educational goals with peace of mind, knowing you're financially prepared for any challenge.
Investment Planning
Is your portfolio generating the maximum returns for you currently? Are you investing healthily? Where should you invest? As many of us work hard to enjoy a better living tomorrow, let us help you ensure your money work as hard as you do!!! Our experts will be able to consolidate your entire portfolio and restructure the asset allocation to provide the best possible returns on your investments.
Debt Planning
Most Malaysians are falling into financial debts due to inability to pay off their credit card or personal loans. Statistics show that debts occur because of uncontrolled temptation and peer pressure. Hence, their cash flow is crippled when their debt payment increases more than their gross income. This further leads to bankruptcy. How do we curb this from happening from the very beginning? How do we get out from severe debts, where to seek assistance to manage/reduce debt? You have come to the right place, let us guide you!
Wedding Planning
Having a perfect wedding is a dream come true for many people. Booking wedding venue, bridal make-up, photography, invitation cards, souvenirs and many more requires a substantial amount of money. With wedding planning, we can help you to plan your wedding budget accordingly to your needs, so that the expenses from your wedding will not become your future liability.
Child Birth Planning
Welcoming a new life into the family needs planning too. The cost can be absorbident, as it includes delivery cost, confinement, purchase of baby’s stuffs, full moon celebration and etc. Thus, an early preparation ensures that all expenses of your new born baby are secured.
Property & Renovation Planning
Owning a property is major decision in life. Purchasing a property does not only require down-payment, it also involves legal fees, S&P Agreement fee, renovation cost and etc. Hence, it requires proper planning to ensure that this major goal can be achieved.
Will Planning
The News Straits Times, on 21st January 2007 reported on “RM400 billion of Unclaimed Asstes” ! Today this value of unclaimed assets have grown, due to the poor knowledge of Malaysians on the Importance of Writing a Will. Without a Will, families may go into arguments during wealth distribution process, incur unnecessary legal cost, face long proceedings or the assets may end up in Un-claim Money Department. Have you ever thought of how your wealth can be transferred to next generation smoothly? Engage with one of our financial advisors to assist you on this!
Trust Planning
If one is worried that their spouse or children is unable and inexperience to manage the inheritance, formation of Trust can be the solution! Trustees act and hold your assets on your behalf, and distribute the wealth gradually over the stipulated period. This can avoid the wealth from being wiped off through poor financial management or spendthrift beneficiaries.
Business Protection Planning
Business can never be insulated from the myriad of external uncertainties more so in the global setting we are in. These business uncertainties need not necessary arises from economic factors but also political and social, technological and environmental elements. This volatile and fragile situation of a business concern needs to be contained or protected through a series of planning strategies.
Business Succession Planning
Most business owners wish that their businesses can last from generations to generations. Transferring the business to the next generation can only work if that generation has the desire to carry out the business. Besides, it requires the appropriate legal tools, a well-designed succession plan and the implementation of a set of family rules. It is never an easy process and requires regular review to ensure that it is fine tuned to the latest situation of the company.
Employee Retention Benefit
If one is worried that their spouse or children is unable and inexperience to manage the inheritance, formation of Trust can be the solution! Trustees act and hold your assets on your behalf, and distribute the wealth gradually over the stipulated period. This can avoid the wealth from being wiped off through poor financial management or spendthrift beneficiaries.
Keyman Compensation
Keyman or key person compensation scheme, compensates a business loss which arises due to death, disability or illnesses of its important employees. Very often, when the key person is unable to oversee or monitor its portfolio for a stipulated period, projects will be delayed. Compensation may have to be paid due to the delay, which will eventually affect the companies’s profitability. Some companies set up this scheme for the benefit of its key executives. Part of the compensation is given to its key executives as token of appreciation in the even they looses the ability to work due to health reasons or disability. Meet one of our advisor today if you need further details!
