| List of Services and Products |
| No |
Services |
Objectives |
Advices |
Product |
| 1 |
Cash Flow Planning (Including Conventional and Islamic Services) |
To achieve cash surplus |
a) Advising on cash inflow and achieve cash surplus |
Multiple financial services are provided |
| b) Advising on cash outflow and prevent cash deficit |
| c) Advising on cash flow related financial ratios |
| 2 |
Net Worth Analysis (Including Conventional and Islamic Services) |
To achieve healthy financial position |
a) Advising on assets to generate higher return |
Multiple financial services are provided |
| b) Advising on liabilities to reduce borrowing costs |
| c) Advising on net worth related financial ratios |
| 3 |
Insurance Planning and Risk Management (Including Conventional and Takaful Services) |
To have sufficient insurance/ takaful coverage |
a) Advising on risk assessment |
Life Insurance, Medical Insurance, Car Insurance, Personal Accident, Fire Insurance, Family Takaful, General Takaful, Education Plan, Saving and etc |
| b) Advising on insurance restricted to pre-mature death |
| c) Advising on insurance restricted to critical illnes |
| d) Advising on insurance restricted to car protection |
| e) Advising on insurance restricted to personal accident |
| f) Advising on insurance restricted to house protection |
| g) Advising on insurance restricted to saving |
| h) Advising on Islamic insurance restricted to Takaful |
| 4 |
Investment Planning (Including Conventional and Islamic Services) |
To achieve higher portfolio return |
a) Advising on financial securities |
Shares/ Stocks, Bond, Unit Trust, PRS, EPF, Derivatives, SSPN, Foreign Currency and etc |
| b) Advising on securities restricted to bond |
| c) Advising on securities restricted to EPF, PRS |
| d) Advising on securities restricted to listed securities |
| e) Advising on securities restricted to OTC bond |
| f) Advising on derivatives |
| g) Advising on fund management in relation to portfolio management |
| h) Advising on fund management in relation to portfolio management |
| i) Advising on fund management in relation to asset management restricted to Business Trust |
| j) Advising on fund management in relation to asset management restricted to REIT |
| k) Advising on corporate finance |
| 5 |
Tax Planning (Including Conventional and Islamic Services) |
To have tax saving |
a) Advising on tax reliefs |
Multiple financial services are provided |
| 6 |
Estate Planning (Including Conventional and Islamic Services) |
To smooth the estate distribution |
a) Advising on Wills |
Wills, Trusts, Wasiat |
| b) Advising on Trusts |
| a) Advising on Wasiat |
| 7 |
Debt Management (Including Conventional and Islamic Services) |
To help reduction on the cost of borrowing |
a) Advising on credit card outstanding |
Multiple financial services are provided |
| b) Advising on housing loan |
| c) Advising on car loan |
| d) Advising on personal loan |
| e) Advising on education loan |
| 8 |
Education Planning (Including Conventional and Islamic Services) |
To have sufficient education funding |
|
Education Plan, SSPN, Shares/ Stocks, Bond, Unit Trust, PRS, Derivatives, Foreign Currency and etc |
| a) Advising on local or oversea tertiary education |
| b) Advising on total future education cost required |
| c) Advising on current lump sum education cost to be accumulated |
| 9 |
Retirement Planning (Including Conventional and Islamic Services) |
To have sufficient retirement funding |
|
Shares/ Stocks, Bond, Unit Trust, PRS, Derivatives, Foreign Currency, Insurane Plan and etc |
| a) Advising on first year retirement income |
| b) Advising on lump sum retirement income required |
| c) Advising on total retirement resources |
| d) Advising on retirement gap/ surplus |
| 10 |
Holistic Financial Planning (Including Conventional and Islamic Services) |
To achieve financial independence |
Advising on comprehensive financial planning such as Cash Flow Planning, Net Worth Analysis, Insurance Planning, Risk Management, Investment Planning, Tax Planning, Estate Planning, Debt Management, Education planning and Retirement Planning. |
Multiple financial services are provided |
