Services
How I can help
Every engagement starts with understanding your situation: your family, your goals, what you already own and what worries you. Recommendations come after that, and only where they are suitable for you.
Portfolio and foreign investment planning
For professionals, business owners and Malaysians abroad who want exposure beyond Malaysia.
- Reviewing your current portfolio: concentration, currency exposure and liquidity
- Clarifying goals, time horizon and risk capacity before any decision
- Explaining local and offshore (including Labuan) options in plain language, with their risks and costs
- Periodic reviews as markets, rules and your life change
Restructuring cross-border assets
For families with property, bank accounts, investments or insurance in more than one country.
- Mapping what you own, where, and in whose name
- Identifying gaps: missing nominations, outdated beneficiaries, assets that would be hard to transfer
- Coordinating with your lawyers and tax advisers where specialist advice is needed
- Documenting a clear plan your family can follow
Wills, private trusts and trust management
Through YES Trustees Berhad, a licensed trust company under the Trust Companies Act 1949.
- Will planning: executors, guardians for young children and distribution wishes
- Private (living) trusts, including for insurance proceeds, retirement care, business owners and special-needs dependants
- Understanding when a will is enough and when a trust adds control
- Ongoing trust management by a licensed trustee
Retirement planning
For anyone who wants to know whether they are on track.
- Estimating realistic retirement spending, including healthcare
- How EPF savings fit into the picture
- Sustainable withdrawal and income planning
- Planning for incapacity, not only for retirement age
Children's education planning
For parents and grandparents.
- Estimating fees for local, international-school and overseas university paths
- Building a savings timeline
- Protecting the fund so it is used for its purpose, including through an education trust
Insurance and takaful review
A second opinion on what you already have.
- Checking cover against your actual needs and commitments
- Nominations and how payouts reach beneficiaries
- Avoiding duplicate or unsuitable cover
For business owners
Where personal and business finances meet.
- Separating personal and business risks
- Business continuity and succession conversations
- Employee benefit and talent retention planning, through YES Financial
- Governance and ESG perspectives drawn from my PhD research on Malaysian SMEs
Advisory services are provided through YES Financial Berhad and trust services through YES Trustees Berhad. Specific products are discussed only within a proper advisory process and are not promoted on this website. Fees and charges depend on the service and will be disclosed in writing before you commit.
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