Personal Financial Planning

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help you make your money grow

Growing Net Worth With A Plan

As they say, knowledge is power but knowledge without action is futile. Similarly, being aware that growing your net worth is important but not knowing how to go about doing it in a systematic and holistic manner may not help you achieve your financial goals.

Our approach to helping clients grow their net worth is simple. We recognise that growing net worth is a journey, as such we employ a broad-based financial planning process to help you get to your desired destination.

The Financial Planning Journey

Step 1 : Developing a Financial Plan

The financial planning journey starts with a financial roadmap – an exercise to take stock of where you stand financially today, help you quantify where you want to be in the future in terms of your financial related goals and how to achieve them. Think of it as your personalized financial waze, empowering you to navigate through life with better foresight. The financial plan helps you ensure that your shorter-term goals do not get in the way of impacting the most important financial goal for us – enjoying our desired lifestyle throughout our retirement years.

Step 2 : Managing Cash Reserves

Due to the uncertainties that we face in life, it’s always handy to have easy access to some liquid assets in case of financial emergencies. These should be set aside in safe assets that don’t fluctuate in value. As the trade-off for these low-risk investments is low returns, you should only aim to have sufficient cash reserves while excess amounts should be channeled to more productive investment opportunities. For working adults with a stable income, 6 months of expenses should suffice, however retirees should aim to set aside between 2-3 years of expenses as cash reserves for better peace of mind.

Step 3 : Protecting Wealth

For many of us, increasing our financial assets is the main focus as we embark on our financial journey. It can’t be denied that growing our assets over our working careers is important to enable us to achieve our financial life goals. However, we also need to be mindful of the potential risks that we might face along this journey. This is where wealth protection comes in – safeguarding our ability to continue to grow our finances over time and safeguarding the assets accumulated against financial risks that might ruin us. To this end, choosing the appropriate policies for our protection is important to ensure that we have optimal level of the coverage needed for ourselves and our dependents at the right pricing so that we can continue to grow our assets.

Step 4 : Accumulating Wealth

As we embark on the journey to grow our net worth, it’s important to be mindful of the purpose for our investments. What are our financial goals and how much would these cost in the future? When we have clarity on these important factors, we’re in a better position to invest effectively. Being a proficient investor requires us to practice some key investment principles. Firstly, we need to invest based on the right strategic asset allocation – i.e. having the right of combination of low, moderate and high risk assets that reflect our risk profile and is able to potentially generate sufficient returns to help us grow our assets to achieve those financial goals.

Secondly when looking for investments, always consider investing in a diversified portfolio comprising of different asset classes (e.g. equities, bonds, REITs, commodities, etc.) in different geographies (not just Malaysia but in Asia, US, Europe and other developing countries) and different currencies. This way, you set yourself for better long-term risk adjusted returns instead finding yourself always looking for the next hot investment idea but risk getting caught should the tide turn.

Once invested, we need to actively manage the performance of those assets. This can be through portfolio restructuring (i.e. changing the underlying investments when required), portfolio rebalancing (i.e. selling assets that might have risen and purchasing the ones that are down; essentially applying the investment strategy of buying low and selling high), profit taking (i.e. taking some money off the proverbial investment table to preserve the gains) and reinvesting profit (i.e. taking advantage of market weakness to lower our investment cost).

Step 5 : Transferring Wealth

We grow our assets over time with the hope of using those funds to attain our future financial goals. It’s our wish that we can continue to manage the transfer of assets when the time comes. However, what happens if we’re no longer able to do that in our own terms due to an unexpected medical condition or untimely demise? What if our assets are able to last beyond 2 generations - how do we safeguard and protect it for the benefit of future generations? To meet the financial planning goals we set for ourselves, we need to be prepared for these what-ifs. Effective wealth transfer process begins with a Will to capture your wishes in terms of how you want to distribute your assets when the time comes. It also enables you to state your preference for guardians (if you have minor children) or how you wish to stagger the distribution of your assets over time (via a testamentary trust). If you are concerned about distributing your assets quickly under certain trigger events to benefit yourself or your loved ones, a Trust might be an handy estate planning tool as well.

Step 6 : Review & Repeat

When you apply the financial planning process, 2 things will become evident over time. The operative word is that this is a “process” as such, a regular review of your implementation is necessary to ensure that you remain on your desired trajectory. Secondly, it’s more likely that your checkpoints and goals are in the future, as such things may change over time and you need to make some allowance for these changes. You need to “rinse and repeat” the process over time with an annual update to your financial plan and determine the required changes to implement in the coming year. By diligently adopting this on-going process, you can confidently move forward with clarity, confidence and control over your finances.

The Financial Planning Journey

The financial planning journey starts with a financial roadmap – an exercise to take stock of where you stand financially today, help you quantify where you want to be in the future in terms of your financial related goals and how to achieve them. Think of it as your personalized financial waze, empowering you to navigate through life with better foresight. The financial plan helps you ensure that your shorter-term goals do not get in the way of impacting the most important financial goal for us – enjoying our desired lifestyle throughout our retirement years.  

Due to the uncertainties that we face in life, it’s always handy to have easy access to some liquid assets in case of financial emergencies. These should be set aside in safe assets that don’t fluctuate in value. As the trade-off for these low-risk investments is low returns, you should only aim to have sufficient cash reserves while excess amounts should be channeled to more productive investment opportunities. For working adults with a stable income, 6 months of expenses should suffice, however retirees should aim to set aside between 2-3 years of expenses as cash reserves for better peace of mind.

For many of us, increasing our financial assets is the main focus as we embark on our financial journey. It can’t be denied that growing our assets over our working careers is important to enable us to achieve our financial life goals. However, we also need to be mindful of the potential risks that we might face along this journey. This is where wealth protection comes in – safeguarding our ability to continue to grow our finances over time and safeguarding the assets accumulated against financial risks that might ruin us. To this end, choosing the appropriate policies for our protection is important to ensure that we have optimal level of the coverage needed for ourselves and our dependents at the right pricing so that we can continue to grow our assets.

As we embark on the journey to grow our net worth, it’s important to be mindful of the purpose for our investments. What are our financial goals and how much would these cost in the future? When we have clarity on these important factors, we’re in a better position to invest effectively. Being a proficient investor requires us to practice some key investment principles. Firstly, we need to invest based on the right strategic asset allocation – i.e. having the right of combination of low, moderate and high risk assets that reflect our risk profile and is able to potentially generate sufficient returns to help us grow our assets to achieve those financial goals.

Secondly when looking for investments, always consider investing in a diversified portfolio comprising of different asset classes (e.g. equities, bonds, REITs, commodities, etc.) in different geographies (not just Malaysia but in Asia, US, Europe and other developing countries) and different currencies. This way, you set yourself for better long-term risk adjusted returns instead finding yourself always looking for the next hot investment idea but risk getting caught should the tide turn.

Once invested, we need to actively manage the performance of those assets. This can be through portfolio restructuring (i.e. changing the underlying investments when required), portfolio rebalancing (i.e. selling assets that might have risen and purchasing the ones that are down; essentially applying the investment strategy of buying low and selling high), profit taking (i.e. taking some money off the proverbial investment table to preserve the gains) and reinvesting profit (i.e. taking advantage of market weakness to lower our investment cost).

We grow our assets over time with the hope of using those funds to attain our future financial goals. It’s our wish that we can continue to manage the transfer of assets when the time comes. However, what happens if we’re no longer able to do that in our own terms due to an unexpected medical condition or untimely demise? What if our assets are able to last beyond 2 generations – how do we safeguard and protect it for the benefit of future generations? To meet the financial planning goals we set for ourselves, we need to be prepared for these what-ifs. Effective wealth transfer process begins with a Will to capture your wishes in terms of how you want to distribute your assets when the time comes. It also enables you to state your preference for guardians (if you have minor children) or how you wish to stagger the distribution of your assets over time (via a testamentary trust). If you are concerned about distributing your assets quickly under certain trigger events to benefit yourself or your loved ones, a Trust might be an handy estate planning tool as well.

When you apply the financial planning process, 2 things will become evident over time. The operative word is that this is a “process” as such, a regular review of your implementation is necessary to ensure that you remain on your desired trajectory. Secondly, it’s more likely that your checkpoints and goals are in the future, as such things may change over time and you need to make some allowance for these changes. You need to “rinse and repeat” the process over time with an annual update to your financial plan and determine the required changes to implement in the coming year. By diligently adopting this on-going process, you can confidently move forward with clarity, confidence and control over your finances.

Step 1: Developing a Financial Plan
The financial planning journey starts with a financial roadmap – an exercise to take stock of where you stand financially today, help you quantify where you want to be in the future in terms of your financial related goals and how to achieve them.
 View More
Think of it as your personalized financial waze, empowering you to navigate through life with better foresight. The financial plan helps you ensure that your shorter-term goals do not get in the way of impacting the most important financial goal for us – enjoying our desired lifestyle throughout our retirement years.
Step 2: Managing Cash Reserves
Due to the uncertainties that we face in life, it’s always handy to have easy access to some liquid assets in case of financial emergencies.
 View More
These should be set aside in safe assets that don’t fluctuate in value. As the trade-off for these low-risk investments is low returns, you should only aim to have sufficient cash reserves while excess amounts should be channeled to more productive investment opportunities. For working adults with a stable income, 6 months of expenses should suffice, however retirees should aim to set aside between 2-3 years of expenses as cash reserves for better peace of mind.
Step 3: Protecting Wealth
For many of us, increasing our financial assets is the main focus as we embark on our financial journey. It can’t be denied that growing our assets over our working careers is important to enable us to achieve our financial life goals.
 View More
However, we also need to be mindful of the potential risks that we might face along this journey. This is where wealth protection comes in – safeguarding our ability to continue to grow our finances over time and safeguarding the assets accumulated against financial risks that might ruin us. To this end, choosing the appropriate policies for our protection is important to ensure that we have optimal level of the coverage needed for ourselves and our dependents at the right pricing so that we can continue to grow our assets.
Step 4: Accumulating Wealth

As we embark on the journey to grow our net worth, it’s important to be mindful of the purpose for our investments. What are our financial goals and how much would these cost in the future? When we have clarity on these important factors, we’re in a better position to invest effectively. Being a proficient investor requires us to practice some key investment principles.
 View More

Firstly, we need to invest based on the right strategic asset allocation – i.e. having the right of combination of low, moderate and high risk assets that reflect our risk profile and is able to potentially generate sufficient returns to help us grow our assets to achieve those financial goals.

Secondly when looking for investments, always consider investing in a diversified portfolio comprising of different asset classes (e.g. equities, bonds, REITs, commodities, etc.) in different geographies (not just Malaysia but in Asia, US, Europe and other developing countries) and different currencies. This way, you set yourself for better long-term risk adjusted returns instead finding yourself always looking for the next hot investment idea but risk getting caught should the tide turn.

Once invested, we need to actively manage the performance of those assets. This can be through portfolio restructuring (i.e. changing the underlying investments when required), portfolio rebalancing (i.e. selling assets that might have risen and purchasing the ones that are down; essentially applying the investment strategy of buying low and selling high), profit taking (i.e. taking some money off the proverbial investment table to preserve the gains) and reinvesting profit (i.e. taking advantage of market weakness to lower our investment cost).

Step 5: Transferring Wealth

We grow our assets over time with the hope of using those funds to attain our future financial goals. It’s our wish that we can continue to manage the transfer of assets when the time comes.  
View More

However, what happens if we’re no longer able to do that in our own terms due to an unexpected medical condition or untimely demise? What if our assets are able to last beyond 2 generations – how do we safeguard and protect it for the benefit of future generations? To meet the financial planning goals we set for ourselves, we need to be prepared for these what-ifs. Effective wealth transfer process begins with a Will to capture your wishes in terms of how you want to distribute your assets when the time comes. It also enables you to state your preference for guardians (if you have minor children) or how you wish to stagger the distribution of your assets over time (via a testamentary trust). If you are concerned about distributing your assets quickly under certain trigger events to benefit yourself or your loved ones, a Trust might be an handy estate planning tool as well.

Step 6: Review & Repeat

When you apply the financial planning process, 2 things will become evident over time. The operative word is that this is a “process” as such, a regular review of your implementation is necessary to ensure that you remain on your desired trajectory. 
View More

Secondly, it’s more likely that your checkpoints and goals are in the future, as such things may change over time and you need to make some allowance for these changes. You need to “rinse and repeat” the process over time with an annual update to your financial plan and determine the required changes to implement in the coming year. By diligently adopting this on-going process, you can confidently move forward with clarity, confidence and control over your finances.

Our Services

Wealth Management Services

  • Life Insurance Product Advisory
  • Will & Trust Service
  • Asset Protection & Liability Insurance
  • Motor Insurance

Investment Management Service

  • All-in-one Investment Account
  • Diversified Investment Portfolios
  • Independent Advice
  • Active Performance Management
  • Lower cost structure
  • Independent Review and performance analysis of existing unit
    trust investments

Financial Planning Services

  • Retirement Planning
  • Setting Life Goals
  • Efficient Legacy / Estate Planning – 360 degree view to plan  your estate  efficiently
  • Minimise costs & Uncover Blind-spots
  • Optimise returns based on level of risk
  • Maximise existing resources
  • Post-retirement Planning

Wealth Management Services

  • Life Insurance Product Advisory
  • Will & Trust Service
  • Asset Protection & Liability Insurance
  • Motor Insurance

Investment Management Service

  • All-in-one Investment Account
  • Diversified Investment Portfolios
  • Independent Advice
  • Active Performance Management
  • Lower cost structure
  • Independent Review and performance analysis of existing unit trust investments

Financial Planning Services

  • Retirement Planning
  • Setting Life Goals
  • Efficient Legacy / Estate Planning – 360 degree view to plan  your estate efficiently
  • Minimise costs & Uncover Blind-spots
  • Optimise returns based on level of risk
  • Maximise existing resources
  • Post-retirement Planning

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Personal Financial Planning

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Wealth Management Services

  • Life Insurance Product Advisory
  • Will & Trust Service
  • Asset Protection & Liability Insurance
  • Motor Insurance

Investment Management Service

  • All-in-one Investment Account
  • Diversified Investment Portfolios
  • Independent Advice
  • Active Performance Management
  • Lower cost structure
  • Independent Review and performance analysis of existing unit trust investments

How do we do this? By constructing an asset allocation model to fit your individual risk profile. This will serve 2 purpose, manage your own level of fear/ greed and at the same time able to maximise your returns at a given level of risk. This way, we will be able to know how much of your wealth needs to be allocated to the low risk, medium risk and high-risk investments in order to provide you a good balance between maximising returns for a given level of risk.

It is proven that asset allocation and diversification are the key determinants of long term investment performance

How do we do this? By constructing an asset allocation model to fit your individual risk profile. This will serve 2 purpose, manage your own level of fear/ greed and at the same time able to maximise your returns at a given level of risk. This way, we will be able to know how much of your wealth needs to be allocated to the low risk, medium risk and high-risk investments in order to provide you a good balance between maximising returns for a given level of risk.

It is proven that asset allocation and diversification are the key determinants of long term investment performance

Financial Planning Service

  • Retirement Planning
  • Setting Life Goals
  • Efficient Legacy / Estate Planning – 360 degree view to plan your estate efficiently
  • Minimise costs Uncover Blind-spots
  • Optimise returns based on level of risk
  • Maximise existing resources
  • Post-retirement Planning

Wealth Management Services

  • Life Insurance Product Advisory
  • Will & Trust Service
  • Asset Protection & Liability Insurance
  • Motor Insurance

Investment Management Service

  • All-in-one Investment Account
  • Diversified Investment Portfolios
  • Independent Advice
  • Active Performance Management
  • Lower cost structure
  • Independent Review and performance
    analysis of existing unit trust
    investments

Financial Planning Service

  • Retirement Planning
  • Setting Life Goals
  • Efficient Legacy / Estate Planning – 360 degree view to plan your estate efficiently
  • Minimise costs Uncover Blind-spots
  • Optimise returns based on level of risk
  • Maximise existing resources
  • Post-retirement Planning
KEY FEATURES

All tools that you can imagine to manage your money and plan your budget in one place. It’s simple and intuitive

Share finances with partner

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Manage your money from all over the world

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Saving plans that work

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Personal support

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