FAR, IFAR, CMSRL, ShRFP, RFP, MBA
Joshua Teoh S.Y. 张津瑞
Bank Negara Malaysia Approved Licensed Senior Financial Advisor
Practice Manager at YES Financial Berhad, focused on foreign investment and trusts via YES Trustees Berhad
PhD researcher, Universiti Malaya (Faculty of Business and Economics)
I help Malaysian families, professionals and business owners think clearly about portfolio and foreign investment, restructuring cross-border assets, and planning wills and trusts so that what they have built is passed on the way they intend.
Book a 30-minute call WhatsApp Call 012-485 370730-minute Google Meet call · or read the guides
How I can help
Portfolio & foreign investment
Understanding currency, country and concentration risk, and how overseas investments fit your goals, time horizon and liquidity needs.
Restructuring cross-border assets
For Malaysians with property, accounts or investments in more than one country: organising them so they remain manageable, documented and transferable.
Wills, trusts & trust management
Will planning and private trusts through YES Trustees Berhad, a licensed trust company, so that distribution, timing and control follow your wishes.
Retirement planning
Working out what retirement really costs, how EPF fits in, and how to keep income sustainable over a long retirement.
Children's education
Estimating education costs locally and abroad, and planning so the funds are protected and used for their purpose.
Protection review
Reviewing existing insurance and takaful cover, nominations and how payouts reach the people they are meant for.
Why people work with me
Licensed and accountable
Licensed by Bank Negara Malaysia (FAR, IFAR) and the Securities Commission Malaysia (CMSRL), and registered with FIMM (No. F01086234). You can verify this yourself on the official registers. How to verify.
Independent panel, needs first
YES Financial is an independent advisory firm working with multiple providers, so the conversation starts with your situation, not with a product.
Research-minded
As a PhD researcher at Universiti Malaya studying ESG in corporate governance for Malaysian SMEs, I bring evidence and clear reasoning to every recommendation.
Latest guides
Will vs Private Trust in Malaysia: Which One Does Your Family Actually Need?
A plain-language 2026 guide to the difference between a will and a private (living) trust in Malaysia: how each works, probate, control, cost questions to ask, and when families use both.
Read the guideHow to Check if a Financial Adviser in Malaysia Is Licensed (Step by Step)
A step-by-step guide to verifying a Malaysian financial adviser, planner or unit trust consultant using the official Bank Negara Malaysia, Securities Commission and FIMM registers, plus scam red flags.
Read the guideHibah vs Will vs Trust: Which Suits Your Family in Malaysia?
A plain-language guide to hibah, wills (wasiat) and trusts in Malaysia for Muslim and non-Muslim families, including how insurance and takaful nominations fit in.
Read the guideInvesting Overseas from Malaysia: What to Know About Cross-Border Assets and Estate Planning
What Malaysian residents should know before investing abroad: BNM foreign exchange rules, tax on foreign income, currency risk, and how to keep cross-border assets manageable for the family.
Read the guideStart with a conversation
Call or WhatsApp 012-485 3707, or send a message. There is no obligation.
Book a 30-minute call Other ways to contact me