Berlesen di bawah Suruhanjaya Sekuriti Malaysia dan Bank Negara Malaysia. Perancangan kewangan holistik yang komprehensif untuk masa hadapan anda. Licensed under the Securities Commission Malaysia and Bank Negara Malaysia. Comprehensive holistic financial planning for your future.
Ramai individu berpendapatan tinggi masih menghadapi masalah pengurusan kewangan. Anda tidak sendirian. Many high-income individuals still struggle with financial management. You are not alone.
Stress dengan kewangan walaupun income tinggi? Tidak tahu kemana wang anda mengalir setiap bulan. Stressed about finances despite high income? Unsure of where your money flows every month.
Cashflow berdarah disebabkan kesilapan pelaburan lepas seperti pelaburan property, pinjaman bank dan sebagainya? Bleeding cash flow due to past investment mistakes like property, bank loans, and more?
Banyak simpanan tapi tak tahu nak melabur lagi selain ASB, Tabung Haji, Unit Trust dll? Have lots of savings but don't know where to invest besides ASB, Tabung Haji, Unit Trusts, etc.?
Hidup sangat pack, tiada masa nak DIY kewangan sendiri terutamanya bab pelaburan dll? Super packed schedule, no time to DIY your own finances, especially regarding investments?
Tak tahu nak susun dana persaraan? Bimbang tentang masa hadapan kewangan anda? Don't know how to structure your retirement fund? Worried about your financial future?
Dan banyak lagi masalah kewangan yang membebankan fikiran anda setiap hari. And many other financial problems that weigh heavily on your mind every day.
Certified & Licensed Financial Planner
Saya merupakan seorang Certified & Licensed Financial Planner. Berlesen di bawah Suruhanjaya Sekuriti Malaysia (SC) eCMSRL/C4133/2024 dan Bank Negara Malaysia (BNM). I am a Certified & Licensed Financial Planner. Licensed under the Securities Commission Malaysia (SC) eCMSRL/C4133/2024 and Bank Negara Malaysia (BNM).
Saya merupakan graduan dari Universiti Teknologi PETRONAS dengan jurusan Kejuruteraan Kimia, mempunyai pengalaman pekerjaan dalam industri Minyak dan Gas selama 4 tahun, 3 tahun dalam perdagangan pasaran saham global dan jualan, serta 4 tahun dalam industri kewangan (takaful, unit trust, wasiat, hartanah). Kini menjadi seorang Licensed Financial Planner sejak 2024 dan mempunyai 14 advisory clients, 100+ takaful clients, 10+ Estate Planning clients dan 6 angka Asset Under Management (AUM). I graduated from Universiti Teknologi PETRONAS with a degree in Chemical Engineering. I have 4 years of working experience in the Oil and Gas industry, 3 years in global stock market trading and sales, and 4 years in the financial industry (takaful, unit trusts, wills, real estate). Now a Licensed Financial Planner since 2024 with 14 advisory clients, 100+ takaful clients, 10+ Estate Planning clients, and a 6-figure Asset Under Management (AUM).
Sebagai Financial Planner, skop kerja saya merangkumi lebih daripada sekadar takaful; saya menyediakan perancangan kewangan holistik yang komprehensif, termasuk: As a Financial Planner, my scope of work covers more than just takaful; I provide comprehensive holistic financial planning, including:
Bantu klien ada lebihan duit setiap bulan - optimumkan aliran tunai terutamanya pengurusan hutang dan pengurusan pelaburan hartanah yang 'berdarah'. Help clients secure a monthly cash surplus - optimizing cash flow, especially in debt management and 'bleeding' property investments.
Bantu klien kembangkan aset mereka melalui perancangan strategik yang menyeluruh. Help clients grow their assets through comprehensive strategic planning.
Bantu klien merancang dan mengurus dana persaraan, dana university anak-anak dengan asset yang ada. Help clients plan and manage retirement and children's education funds using existing assets.
Bantu klien membuat perancangan harta dan pusaka dengan mengambil kira keseluruhan hasrat klien. Help clients plan their estate and legacy by taking into account all of their wishes.
Menyediakan satu portfolio perlindungan kewangan yang menyeluruh berdasarkan situasi kewangan dan asset semasa klien. Provide a comprehensive financial protection portfolio based on the client's current financial situation and assets.
Membantu klien usahawan untuk dapatkan nasihat secara holistic berkenaan kesinambungan perniagaan keluarga untuk legasi masa hadapan. Assist entrepreneur clients in getting holistic advice regarding family business continuity for a future legacy.
Sesi suai kenal & penerangan proses. Eksplorasi & bina kepercayaan tanpa komitmen. Introductory session & process explanation. Exploration & building trust with zero commitment.
Nasihat kewangan khusus memfokuskan kepada perancangan pelaburan untuk membantu klien membina dan mengembangkan aset mereka. Specialised financial advisory service focused on investment planning to help clients build and grow their wealth.
Khidmat nasihat kewangan komprehensif yang merangkumi setiap aspek penting dalam perjalanan kewangan anda. A comprehensive financial advisory service covering every important aspect of your financial journey.
Perancangan kewangan adalah satu proses komprehensif untuk menguruskan kewangan anda. Ia merangkumi penilaian kedudukan kewangan semasa, menetapkan matlamat, dan merangka strategi untuk aliran tunai, pelaburan, perlindungan (takaful), persaraan, dan harta pusaka.
Financial planning is a comprehensive process to manage your finances. It includes assessing your current financial position, setting goals, and formulating strategies for cash flow, investments, protection (takaful), retirement, and estate planning.
Secara amnya, penyediaan pelan kewangan komprehensif mengambil masa sekitar 3 hingga 6 minggu dari sesi pengumpulan data (fact-finding) sehinggalah ke sesi pembentangan pelan kewangan tersebut.
Generally, the preparation of a comprehensive financial plan takes about 3 to 6 weeks from the data gathering (fact-finding) session to the plan presentation session.
Tugas utama kami adalah meneliti profil kewangan anda secara holistik, mengenal pasti potensi risiko ("blind spots"), dan memberikan nasihat serta strategi yang objektif dan bebas (independent) untuk memastikan anda mencapai matlamat hidup, berbanding hanya fokus menjual produk semata-mata.
Our main role is to examine your financial profile holistically, identify potential risks ("blind spots"), and provide objective and independent advice and strategies to ensure you achieve your life goals, rather than just focusing on selling products.
Secara lazimnya ia melibatkan urutan proses berikut:
1. Sesi Discovery (Percuma)
2. Sesi Pengumpulan Data (Fact-finding)
3. Analisa & Pembinaan Pelan Kewangan
4. Sesi Pembentangan Pelan
5. Pelaksanaan (Implementation) cadangan
6. Sesi Semakan Berkala (Review Tahunan)
Usually, it involves the following sequence of processes:
1. Discovery Session (Free)
2. Data Gathering (Fact-finding) Session
3. Analysis & Financial Plan Construction
4. Plan Presentation Session
5. Recommendation Implementation
6. Periodic Review Session (Annual Review)
Ya. Sebagai Perancang Kewangan Muslim, saya sentiasa memastikan setiap cadangan instrumen pelaburan, perlindungan, dan perancangan harta pusaka mematuhi prinsip Syariah sepenuhnya untuk klien beragama Islam.
Yes. As a Muslim Financial Planner, I always ensure that every proposed investment, protection, and estate planning instrument fully complies with Shariah principles for Muslim clients.
Sesi Discovery (Sesi Pertama) adalah percuma tanpa komitmen. Untuk pelan rasmi, yuran bergantung pada pakej pilihan bermula dari RM100/jam untuk Financial Coaching atau RM378 untuk Semakan Kesihatan Kewangan. Rujuk bahagian Servis Pakej untuk maklumat lanjut.
The Discovery Session (First Session) is free with no commitment. For official plans, fees depend on the chosen package, starting from RM100/hour for Financial Coaching or RM378 for a Financial Health Check. Refer to the Service Packages section for more information.
Ya, 100% sulit. Segala maklumat kewangan dan peribadi anda dilindungi dan dikawal ketat di bawah Akta Perlindungan Data Peribadi (PDPA) 2010 serta etika kerahsiaan profesional kewangan.
Yes, 100% confidential. All your financial and personal information is strictly protected and controlled under the Personal Data Protection Act (PDPA) 2010 and professional financial confidentiality ethics.
Ada dua bahagian soalan ni sebenarnya. Yang pertama, kalau lalui sesi Discovery ni, kalau dua-dua pihak 'ngam' sesama sendiri, insyaallah boleh proceed dengan engagement Financial Planning. Yang kedua, selalunya Financial Planner yang akan teruskan engagement tu adalah Financial Planner yang conduct discovery. Dia bukan macam team sales yang datang jumpa prospek, lepas tu dah close, kita akan passkan dekat orang lain.
There are actually two parts to this question. Firstly, if you go through this Discovery session and both parties are a 'good fit', God willing, we can proceed with the Financial Planning engagement. Secondly, usually the Financial Planner who continues the engagement is the one who conducts the discovery. It's not like a sales team meeting a prospect and then passing them off to someone else after closing.
Takde keperluan sebenarnya. Nak buat online boleh, nak buat thru phone call boleh, tapi ni sebenarnya bergantung kepada Financial Planner yang buat sesi Discovery tu.
Not necessarily. If you want to do it online or via a phone call, you can. It really depends on the Financial Planner conducting the Discovery session.
Takde. Dari awal sesi Discovery tu kita akan explain dekat prospek yang prospek takde apa-apa komitmen untuk nak engage kita sebagai Financial Planner diaorang walaupun dah lalui sesi Discovery. Kalau lepas tu, tak jadi nak engage, boleh inform jer.
No. From the beginning of the Discovery session, we explain that there is no commitment to engage us as your Financial Planner even after going through the session. If you decide not to engage afterward, just let us know.
Boleh. Sebab it's up to the prospek untuk buat keputusan siapa yang dia selesa untuk bekerjasama.
Yes. Because it's up to the prospect to decide who they are comfortable working with.
Saya masuk mana-mana sesi discovery dengan takde apa-apa expectation kecuali nak create awareness berkaitan Financial Planning. Kalau prospek keluar dari sesi tu lebih faham pasal Financial Planning, saya akan dah cukup happy.
I enter any discovery session with no expectations other than to create awareness about Financial Planning. If the prospect leaves the session with a better understanding of Financial Planning, I'm already happy.
Personally untuk saya takde. Saya akan inform prospek siap-siap masa sesi tu. Kalau prospek tak come back lepas sesi Discovery tu, saya akan terus assume prospek tak berminat.
Personally for me, no. I will inform the prospect upfront during the session. If the prospect doesn't come back after the Discovery session, I will assume they are not interested.
Lepas sesi Discovery, kalau prospek interested, dia boleh inform secara bertulis pasal niat dia. Kalau dia tak berminat, tak bagitahu pun takper. Lepas dia inform niat dia nak proceed, saya akan bagitahu apa next step dia untuk kita nak keluarkan agreement, dan bersiap sedia untuk sesi fact finding.
After the Discovery session, if the prospect is interested, they can inform us in writing about their intent. If they are not interested, they don't have to say anything. Once they inform us of their intent to proceed, I will let them know the next steps to issue the agreement and prepare for the fact-finding session.
Masih ada soalan? Jom bincang secara langsung! Still have questions? Let's discuss directly!
Book Discovery Session via WhatsAppSoalan: Sepanjang proses ni, benda apa yang tuan/puan rasa paling membantu/paling ‘kena’ dengan situasi anda? Question: Throughout this process, what did you feel was the most helpful / most 'relevant' to your situation?
"Saya merupakan seorang yg DIY dalam financial planning sebelum engage dengan Wealth Vantage. Sepanjang proses ini, saya nampak kat mana loophole dalam apa yang saya amalkan dalam perancangan kewangan saya. Selain itu, situasi yang paling 'kena' dengan saya adalah apabila saya dapat mengetahui lebih lanjut tentang faraid dan pusaka. Lebih-lebih lagi, Bukhari memudahkan saya dalam membuat keputusan tentang pilihan yang ada dalam produk wasiat." "I was a DIY person in financial planning before engaging with Wealth Vantage. Throughout this process, I saw where the loopholes were in my financial planning practices. Furthermore, the situation that 'hit' me the most was when I learned more about faraid and inheritance. Moreover, Bukhari made it easy for me to make decisions about the available will products."
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