It’s time to be the master of your money

Savings. Investment. Debt Management. Retirement.

No matter what your financial goals are, RinggitPlus Advance helps you take charge of your money so you can make the most out of them to achieve your goals.

What is RinggitPlus Advance?

RinggitPlus Advance is a comprehensive financial planning service by Certified Financial Planners (CFP), for Malaysians.

RinggitPlus Advance’s one-on-one sessions are customised to help you build your short and long-term financial goals, while also guiding you to manage the other aspects of financial management in your life. You will also receive your personalised financial plan to guide you to execute and achieve your goals – all with the help of certified professionals.

Why do you need RinggitPlus Advance?

There is more than one way to manage your money smartly. The difference is, which one grows the most out of your money? Besides, what works for others, may not work for you. How can you know what works for you? 

A Certified Financial Planner can provide an objective perspective and bring expertise to decisions about how you should manage your money according to your situation. Here are some situations where you might need one:

You feel overwhelmed

You have trouble trying to make the most out of your assets, liabilities, income, expenses, retirement, insurances, etc.

You have everything, but you still don’t feel accomplished

Are you making the most out of your financial situation? A second pair of eyes - of a professional, can help answer that question.

Your financial situation has changed recently

You need help getting your finances back on track after dealing with an inheritance, marriage, divorce, new board, death, etc.

What sets us apart?

We have unique insights and intelligence in personal finance, having operated RinggitPlus.com since 2012

We’re up to 83% more affordable than standard market rate

Our sessions are 100% online

We are licensed by the Securities Commission Malaysia

What is a Certified Financial Planner (CFP)?

Think of a football coach who manages and strategises the best game plan to win a match. The matches are your financial goals and the CFP is your coach.

A CFP covers many aspects of financial management, so as to give you a comprehensive assessment of your current financial situation. However, it’s just as important to understand what a CFP is not.

A CFP does not sell you insurances or investments, nor do they gain profit from any sale charges or commissions by recommending you any financial products. This helps make sure that the centre of focus is always you and your financial goals.

The responsibilities of a CFP

vs. an insurance agent, a unit trust agent, or a wealth planner

Certified Financial Planner

  • Insurance / Risk Management
  • Unit Trust / Investment
  • Cash Flow & Net Worth Analysis
  • Debt / Liability Management
  • Tax / Zakat Planning
  • Estate / Family Wealth Planning

Insurance Agent / Wealth Planner

  • Insurance / Risk Management
  • Unit Trust / Investment
  • Cash Flow & Net Worth Analysis*

*covered by some Insurance Agent / Wealth Planner

Why do you need one?

Reality Check

You may think you are doing okay financially, but are you really?

Financial Management Plan

When you don’t know how to move forward in growing your wealth

Towards Financial Freedom

We can help you achieve it with comprehensive financial strategies by our CFP

How will our CFP help you?

Step

1

Gather Personal and Financial Information

You’ll start by providing personal information to your assigned CFP via a secure online link, in order for them to objectively analyse your financial situation. Your data will be kept in compliance with the Personal Data Protection Act 2012.

Step

2

Define & Setting On Your Financial Goals

You’ll then meet your personal CFP via a video call. Here, they’ll learn about your short and long-term financial goals as well as any challenges you want to resolve.

Step

3

Analyse & Identify Financial Gaps & Opportunities

Your CFP will then use the information provided to create a detailed plan according to your needs. This will take approximately 7 days, and you don’t have to do anything during this time. Leave it to the expert to craft your financial plan.

Step

4

Present The Financial Plan

Your detailed financial plan which includes your financial goals and specific recommendations will be ready by now. Your CFP will present the plan to you via a video call.

Step

5

Guide Your Plan’s Execution*

After one month, your CFP will speak to you once again. This time, they’ll guide you through the steps to executing your financial plan.

*Applies for Intermediate and 360° plans. Also available as an Add-On plan.

Step

6

Review & Adjust The Plan**

You and your CFP will then decide when is the best time to meet again to review your progress. During that review meeting, you’ll want to highlight any significant changes in your life, which will decide whether your financial plan needs tweaking.

**Applies for 360° plans. Also available as an Add-On plan.

Previous
Next

Choose your plan

By being
up to 83% cheaper than market rate Based on the benchmark with 27 certified financial planners in Kuala Lumpur listed in Smartfinance.my ranging from RM 500 – RM 10,000 in fees
, our financial planning services help empower more Malaysians towards financial freedom. You can also choose which plan suits you best.

RinggitPlus

Advance Standard

RM 600

Inclusive of:

  • Gathering personal & financial information
  • Defining financial goals
  • Identifying financial gaps and opportunities
  • Creating a financial plan
  • Guiding the plan’s execution
  • Review and adjust the plan after 6 months
Book Now

Best Value

RinggitPlus

Advance Intermediate

RM 800

Inclusive of:

  • Gathering personal & financial information
  • Defining financial goals
  • Identifying financial gaps and opportunities
  • Creating a financial plan
  • Guiding the plan’s execution
  • Review and adjust the plan after 6 months
Book Now

RinggitPlus

Advance 360°

RM 1,000

Inclusive of:

  • Gathering personal & financial information
  • Defining financial goals
  • Identifying financial gaps and opportunities
  • Creating a financial plan
  • Guiding the plan’s execution
  • Review and adjust the plan after 6 months
Book Now

RinggitPlus

Advance Add-On

RM 300

Inclusive of:

A top-up service when you need to add in hours for either one of the following:

  • Execution Guide
  • Monitoring
  • Consultation

Notes:

You must have purchased an Advance package before purchasing this add-on
Book Now

RinggitPlus

Advance Standard

RM 600

Inclusive of:

  • Gathering personal & financial information
  • Defining financial goals
  • Identifying financial gaps and opportunities
  • Creating a financial plan
  • Guiding the plan’s execution
  • Review and adjust the plan after 6 months
Book Now

Best Value

RinggitPlus

Advance Intermediate

RM 800

Inclusive of:

  • Gathering personal & financial information
  • Defining financial goals
  • Identifying financial gaps and opportunities
  • Creating a financial plan
  • Guiding the plan’s execution
  • Review and adjust the plan after 6 months
Book Now

RinggitPlus

Advance 360°

RM 1,000

Inclusive of:

  • Gathering personal & financial information
  • Defining financial goals
  • Identifying financial gaps and opportunities
  • Creating a financial plan
  • Guiding the plan’s execution
  • Review and adjust the plan after 6 months
Book Now

RinggitPlus

Advance Add-On

RM 300

Inclusive of:

A top-up service when you need to add in hours for either one of the following:

  • Execution Guide
  • Monitoring
  • Consultation

Notes:

You must have purchased an Advance package before purchasing this add-on

Book Now

Meet Our Certified Financial Planners!

We thought you would like to know them so you can be sure that your money is in good hands.

Hann Liew (CFP, CFA)

  • Co-founder of Jirnexu Sdn Bhd
  • Chartered Financial Analyst (CFA)
  • Certified Financial Planner (CFP)
  • Member of the Financial Planning Association Malaysia (FPAM)
  • Former Assistant VP, Equities and Funds Structured Markets at Barclays Capital in the UK
  • First Class Honours in BSc Business Mathematics & Statistics LSE, UK

Azril Ikram (IFP, CFA)

  • Director, Strategy & Corporate Affairs, Jirnexu Sdn Bhd
  • Director, Financial Planning Services, Jirnexu Advisory Sdn Bhd
  • Chartered Financial Analyst (CFA) Islamic Financial Planner (IFP)
  • Member of the Financial Planning Association Malaysia (FPAM)
  • Former Manager at Ernst & Young Advisory Services
  • Former Senior Analyst at Bank Negara Malaysia
  • First Class Honours in BSc Accounting & Finance LSE, UK

Words from our clients

We are glad that these clients changed their mind about Financial Planners. You’ll see why.

“My Financial Planner empathised and understood my reasoning on one of my financial goals and even took the extra initiative to explain in a long email on why I shouldn't embark on this big decision that will adversely impact my financial plan. He worked out the various scenarios and he was very attentive to details. I will definitely recommend this to my friends.”
James Wong, 30s
"My Financial Planner was very easy to talk to and I didn't feel intimidated by how little my financial knowledge was. This is a very good programme for young beginners and I think all new jobbers should be exposed to this so that they can start their career with a solid understanding of financial planning.”
Betty Jane, 20s
“I am a beginner and I haven't really started investing. The recommendation from my Financial Planner gives me a better direction on how I should approach my finances.”
Chwin Wern, 20s
"I think this programme is really good for working adults, as it gives an objective perspective of your assets, allows you to reflect your financial goal, and helps you to plan and take better action when it comes to financial decisions.”
Kar Mun, 30s
"My Financial Planner covered most of the aspects that I needed. He was very clear on his consultation and his data, and more comprehensive than some of the financial planners I have paid for before. The report was basic but the "What-If Target vs. Realistic Target” was really good. It helped me to weigh my next course of action towards my financial plans. The pricing is super affordable for most Malaysian.”
Mun Keong, 40s
"My Financial Planner was very professional. He talked no nonsense, was focused on my financial plans, and delivered his recommendations well. I trust him and his recommendation.”
Elaine, 40s
"It was a good session as the Financial Planner was not pushy and I felt comfortable eventhough the session was conducted via a video call. He established the parameters with clear instructions on the framework and what to expect. I trusted him eventhough it’s our first meeting and I didn’t feel uncomfortable to share my personal information because I knew what I had signed up for. And the best thing is that his recommendation was not biased at all.”
Melissa, 30s
"I found out some shocking information about my overall financial position - some really bad financial decisions that have impacted my financial growth. I’m glad that I took up this programme because now I’d have the time to fix my financial position and still be ready for my retirement according to my desired lifestyle. This programme is good to help you check-and-balance your financial journey to ensure that you’re on the right track.”
Jo, 40s
"This is a good programme. I think most Malaysians will benefit from it as we're not a very financially literate nation. People need to be educated as we're still a very conservative and low-risk taker. I will definitely renew this plan after my first year.”
Fatma, 30s
Previous
Next

Ready to take charge?
Be the master of your money today.

Register Me
Frequently Asked Questions