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.
Choose your plan

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
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

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

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:

RinggitPlus
Advance Standard
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
Best Value

RinggitPlus
Advance Intermediate
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

RinggitPlus
Advance 360°
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

RinggitPlus
Advance Add-On
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
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.
