The Wealth Wheel consist of every components of wealth management that you ever need. The components are :

1. Wealth Creation

2. Wealth Preservation/ Protection

3. Wealth Accumulation (including debt management)

4. Wealth Purification

5. Wealth Distribution

I'm a certified accountant with over 20 years experience in accounting and audit. I have quit corporate world and now dedicated myself to help individuals to meet their financial goal. My mission is to help people live happier, more fulfilling lives.

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Qualifications :

• Degree in Social Studies (Victoria University of Manchester)

• Passed ACCA exam (Now FCCA)

• Passed Certified Internal Auditor exam

• Passed PRINCE2 exam (project management)

• Member of Malaysia Institute of Accountants and ACCA

• Passed FIMM exam (Federation of Investment Managers Malaysia)

• Passed Takaful Basic Examination organised by Malaysia Takaful Association

• Passed Familiarisation Programme for Marketing Representative organised by SIDC

• Passed exam organised by As-salihin Trustee on Islamic Estate Planning

Our FREE initial discussion will identify your financial gap and actions required to reach your financial goals.

Our coaching service will hand hold you to meet your financial goals.

However, if you want to execute your action plans on your own, or with the help of other coach(es), the products that we are offering may help you plan for one's financial journey.

What makes us different from the others is that our products and services covers from the period the person in his/her mother's womb (takaful for unborn child) until after he/she dies (estate planning)

"Manage your Wealth from the moment you are in your mother's womb, until the moment after you die"

What do we offer?

Financial Coaching

Upon identifying your financial gap, you may decide whether to execute the corrective action to close the gap yourself, or let me coach you on closing the gap to achieve your financial goal.

Category : All

Life and Hibah Takaful

We cannot predict our future. If we were to pass on early, unexpectedly, what would happened to those we left behind - our spouse, children, parents and others who depends on us?

Let's have some protection... for the benefit of those we might left behind

Category : Wealth Protection

Income Replacement Takaful

If any mishaps happen to us e.g. accident, and we are unable to work, how can we pay the monthly dues - food for our family, monthly bills and commitments etc?

Let us protect ourselves financially with a takaful policy.

Category : Wealth Protection

Takaful for Women

If you are a woman, you will surely love this . This takaful product covers female illness, female cancer, pregnancy benefits with add-on coverage for your child. And it will also rewards you during your auspicious moments like marriage, childbirth and reaching golden age !

Category : Wealth Protection

Critical Illness Takaful

What if, one day, we are diagnosed with Critical Illness? Nobody wants it! But we are to prepare ourselves for any uncertainties. Critical illness may be fatal, takes long time to cure, hence may requires a large sum of money.

Cover yourself with 180 Critical Illness conditions!

Category : Wealth Protection

Debt Settlement Takaful

Do you know that takaful can be used as debt settlement tool? Yes, takaful has been used for MRTA and MLTA in the case of mortgage. Other than mortgage case, debts can be paid from the payout from life or hibah takaful

Category : Wealth Protection, Debt Management

Medical Card Takaful

Medical cost increase significantly every year. With Medical Card, one can have peace of mind, as your medical bills are well taken care off!

Category : Wealth Protection

If you have excess fund, you might want to save in takaful assets, which on average, give a plausible return for your savings.

Let us discuss on which products meet your risk profile!

Category : Wealth Accumulation

Savings - Takaful Assets

Investment - Unit Trusts

Don't know where to invest you excess fund? Why not consider unit trust where your fund will be invested into various stocks and financial assets around the world!

Let us discuss on which products meet your risk profile!

Category : Wealth Accumulation

Investment - Private Mandate

Or you prefer a licensed (by SC Malaysia) professional Fund Manager to manage your fund? With Private Mandate, you are able to dictate the Fund Manager on where to and where not to invest your fund.

Category : Wealth Accumulation

Investment - Gold

Recently, gold becomes as one of the preferred investments.

Please enquire to know more on how gold can increase your wealth

Category : Wealth Accumulation

Islamic Estate Planning

Estate planning is a vital but often forgotten element in a Muslim’s financial plan. Estate planning is how we protect the assets we have spent a lifetime accumulating. Estate planning is the final part of financial planning.

Of course, most of our energy is directed to accumulating assets, whether liquid or fixed. After that, we seek to protect our assets, so we take on takaful to protect our homes, our families and ourselves. But we always forget the last part. .

Category : Wealth Distribution

Islamic Will Writing (Wasiat)

Do you know that, once we die, all of our assets are frozen? Our heirs have to get Court Orders (or by other means, based on the value of estate left by us) before the estate can be distributed to the heirs.

The process might be tedious and costly, that some RM90 billion of estate has not been distributed as at 2021.

Know the most efficient way to "unfreeze" the estate. Do not let your heirs suffers.

Category : Wealth Distribution

Hibah

(Absolute Hibah)

Hibah is the granting ownership of property from one party to another without any consideration (iwad) that occurs during the life of a hibah provider, made voluntarily, not meant to glorify anybody and given by reciting an ijab and qabul or any such expressions.

This is the way we plan to allocate the assets that we own to those we prefer, while we are still alive; as after we die, all the estate will be distributed based on Faraid law.

Category : Wealth Distribution

Hibah Managed by Trustee

Under this product, the part of assigned hibah is managed by the trustee, based on the instruction given by the hibah provider.

Example being the trustee is instructed to distribute RM3000 monthly to a "Special Need" child until he/she reach certain age, to ensure that the child have a continuous cash rather than one off lump sum to avoid misuse of cash.

Category : Wealth Distribution

Joint Ownership Agreement

Tax Planning

One can optimised their wealth by planning their tax well.

Category : Wealth Purification

Accounting Services

Apart from the products and services within the Mega Wealth Wheel, we are also offering accounting services such as preparing accounting statements, tax computation, financial modelling, budgeting, auditing, business process improvement and other accounting related matters.

Do drop us a line to know more

Accounting Softwares

We resell and provide training for the following accounting softwares:

1. MYOB

2. Sage UBS

Our Guarantee

Your data is safe with us. We will never share, distribute, sell or solicit your information to third parties.

We will never pressure you to undertake or subscribe our products or services after our discussions and meetings. You are free to choose other provider(s) if you wish.

We will strive to give you the best products and services.

Be financially smart wherever you are

On top of face-to-face discussion, we also offer online discussion for anyone and everyone. Ask about our hybrid packages that include both in-person and online discussion.

ONLINE

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