This is the first and most important Pillar of Wealth. Without adequate protection, you will be vulnerable to the nasty effects of one or more chance misfortunes, which will cause you to suffer unnecessary and tremendous financial losses. Our planning helps to reduce the negative impact of unplanned misfortunes and ensure that your lifestyle remains unaffected as much as possible thereafter.view more >>

The second Pillar of Wealth analyses your general financial health, such as cash flow and debt position. A net positive cash flow with no overcommitted liabilities is considered healthy. We will advise you how to effectively manage your cash flow and suggest ways to reduce, or avoid, unnecessary borrowing.view more >>

The third Pillar of Wealth drives you towards meeting your long term financial objectives through accumulation. In Malaysia, the two most common needs are Retirement Funding and Children Education Funding. We will help you develop a realistic and achievable program to meet these needs.view more >>

The fourth Pillar of Wealth maximises the growth potential of your assets. We help you develop an investment program that is appropriate to your unique situation, yet will grow at a rate you desire. With the help of our proprietary tools, you stand a better chance of enhancing your investment return, thereby fulfilling your long term financial dreams.view more >>

This fifth and final Pillar of Wealth looks at preserving and distributing your estate. The only certainty in life is that it will not last forever. We will help you develop an effective and efficient estate plan so that your legacy will be well preserved and distributed according to your wishes.view more >>

  • Wealth Protection
  • Wealth Maintenance
  • Wealth Accumulation
  • Wealth Enhancement
  • Wealth Distribution

Financial Advisory Services Guide

This service guide is designed to provide you an understanding on the range of services and products provided by the financial adviser’s representative (FAR) and financial planner (FP)

Who We Are

A FAR & IFAR is regulated by Bank Negara Malaysia (BNM) under the Financial Services Act 2013 and/or Islamic Financial Services Act 2013. A Financial Planner (FP) is regulated by Securities Commission Malaysia (SC) under the Capital Market Services Act 2013.

What Do We Do

  1. Establish client-adviser relationship
  2. Gather client data, including goals
  3. Analyse and evaluate client’s financial matters
  4. Develop and present financial planning recommendations and/or alternatives
  5. Implement the financial planning recommendation
  6. Monitor and review client’s profile

 

Our Services

FARs/FPs understand your financial needs and desires and provide personal advice, strategies and solutions to achieve your life and wealth goals.

Our advice typically encompass the following:

 

Building Wealth

- Education Planning

- Retirement Planning

- Wealth Accumulation

 

Protecting Wealth

- Income and Asset Protection

- Family and Personal Protection

- Business Ownership Protection

- Estate Planning

 

Managing Wealth

-Tax strategies for individuals, trusts and business owners

-Debt management for individuals, trusts and business owners

-Education and retirement fund management

 

The products commonly employed in our solutions:

- Life Insurance and Family Takaful products

- General Insurance and Takaful products

- Unit Trust

- Private Retirement Scheme (PRS)

- Labuan and other international offshore products

- Will, Trust and Foundation

 

Download: AFA Financial Services Guide