Build a future-proof personal financial plan with a Certified Financial Planner (CFP)

Consult our expert planners 1-on-1 and start planning for your financial success. 
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Certified Financial Planners (CFP) in Malaysia

What is RinggitPlus Advance?

Personal financial planning

Consult one of our Certified Financial Planners in 1-on-1 online sessions and get all the tools to achieve your financial goals, including

  • All-inclusive 30-40 page financial report 
  • Personalised financial plan 
  • Unbiased advice and recommendations
  • Financial plan execution guide

How will our Certified Financial Planners help you?

Money saving

Save for your future

We’ll create a personalised savings plan for you to prepare for emergencies and beat inflation.

Retirement planning

Grow your wealth

We’ll recommend investment strategies that brought an average additional return of over RM5,000* per year to our existing clients.

*Based on 5% additional return on total asset of RM2M for 18 customers

Family financial planning

Prepare for uncertainty

We’ll advise you on an insurance plan that can keep you and your family protected from unforeseen events.

Debt consolidation

Pay off debt

We’ll assess your debt without judgment and set reachable goals to eliminate your debt.

Why choose us?

We’re more affordable, up to 83%* cheaper than market rate

*Compared to 27 CFPs in KL listed on Smartfinance.my

Consultations are 100% online

Our planners are certified and licensed

We offer unbiased recommendations

We’re Malaysians’ go-to Personal Finance website

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.

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Get started with the right plan

We design plans that help you make the most of your money 

RinggitPlus

Advance Standard

RM 699

Inclusive of:

  • 2 consultation sessions with your planner
  • Expert analysis of your situation (debt, investment, insurance, savings, etc)
  • Personal financial goals assessment report
  • Tailored execution strategy advice
  • 6-months progress monitoring and adjustment report
Pay Now

Most Popular

RinggitPlus

Advance Plus

RM 999

Inclusive of:

  • 3 consultation sessions with your planner
  • Expert analysis of your situation (debt, investment, insurance, savings, etc)
  • Personal financial goals assessment report
  • Tailored execution strategy advice
  • 6-months progress monitoring and adjustment report
Pay Now

RinggitPlus

Advance 360°

RM 1,199

Inclusive of:

  • 4 consultation sessions with your planner
  • Expert analysis of your situation (debt, investment, insurance, savings, etc)
  • Personal financial goals assessment report
  • Tailored execution strategy advice
  • 6-months progress monitoring and adjustment report
Pay Now

RinggitPlus

Advance Add-On

RM 300

Inclusive of:

Get an extra 1-hour session where you can discuss: 

  • Realigning your goals
  • Goals execution strategy
  • Progress monitoring and strategy adjustment
  • Or, any topics that will move you towards your goals

Note:

You must have purchased or started any of the Advance plans before purchasing this add-on

Top Up

RinggitPlus

Advance Standard

RM 699

Inclusive of:

  • 2 consultation sessions with your planner
  • Expert analysis of your situation (debt, investment, insurance, savings, etc)
  • Personal financial goals assessment report
  • Tailored execution strategy advice
  • 6-months progress monitoring and adjustment report
Pay Now

Most Popular

RinggitPlus

Advance Intermediate

RM 999

Inclusive of:

  • 3 consultation sessions with your planner
  • Expert analysis of your situation (debt, investment, insurance, savings, etc)
  • Personal financial goals assessment report
  • Tailored execution strategy advice
  • 6-months progress monitoring and adjustment report
Pay Now

RinggitPlus

Advance 360°

RM 1,199

Inclusive of:

  • 4 consultation sessions with your planner
  • Expert analysis of your situation (debt, investment, insurance, savings, etc)
  • Personal financial goals assessment report
  • Tailored execution strategy advice
  • 6-months progress monitoring and adjustment report
Pay Now

RinggitPlus

Advance Add-On

RM 300

Inclusive of:

Get an extra 1-hour session where you can discuss: 

  • Realigning your goals
  • Goals execution strategy
  • Progress monitoring and strategy adjustment
  • Or, any topics that will move you towards your goals

Note:

You must have purchased or started any of the Advance plans before purchasing this add-on

Top Up

Meet our expert financial planners

Our certified pros will be personally advising you

Hann Liew

  • Certified Financial Planner (CFP)
  • Chartered Financial Analyst (CFA)
  • Member of the Financial Planning Association Malaysia (FPAM)
  • Former Assistant VP, Equities and Funds Structured Markets at Barclays Capital in the UK

Azril Ikram

  • Islamic Financial Planner (IFP)
  • Chartered Financial Analyst (CFA)
  • Member of the Financial Planning Association Malaysia (FPAM)
  • Former Senior Analyst at Bank Negara Malaysia

Priscilla Yong

  • Certified Financial Planner (CFP)
  • Member of the Financial Planning Association Malaysia (FPAM)
  • Former Strategic Business Development Associate & Product Trainer at Great Eastern Life Berhad

Why our users love us

Get inspired from our users who are a step closer to their financial goals now

“My Financial Planner empathised with and understood my financial needs and goals. He even took the extra initiative to explain why I shouldn’t pursue one of my goals that would adversely impact my financial plan. [...] I’ll definitely recommend this to my friends.”
James Wong, 38Working professional
“My Financial Planner was very easy to talk to and [this makes me] feel less intimidated even though my financial knowledge was little. This is a very good programme for young adults who are starting their career as they’ll get a solid understanding of financial planning.”
Betty Jane, 29Young working professional with no children
“I’m a beginner and I haven’t started investing. The recommendation from my Financial Planner gives me a better direction on how I should approach my finances.”
Chwin Wern, 26Fresh graduate
“This programme is really good for working adults, as it gives an objective view of your assets. It allows you to reflect on your financial goal and helps you plan and make better financial decisions.”
Kar Mun, 31Recently married
“My Financial Planner covered most aspects of [personal finance]. He was very specific by using data to explain. The session was more comprehensive as compared to others I’ve attended before [...] It helped me weigh my next actions to build my financial plan.”
Mun Keong, 49Approaching retirement
“My Financial Planner was very professional. He was very focused on building my financial plan. He delivered his recommendations well. I trust him and his recommendations.”
Elaine, 39Mid-career working professional with 2 children
“It was a good session. I felt comfortable with the session being conducted via a video call. He established clear guidelines by establishing a framework and expectations for me [...] And, the best thing is that his recommendation wasn’t biased at all.”
Melissa, 35Single working professional
“I found out some shocking information about my overall financial situation – some past decisions that have impacted my financial growth. I’m glad that I took up this programme because now I have time to fix my financial situation and plan for my retirement.
Jo, 44Recently took on a new role
“This is a good programme. I think most Malaysians will benefit from it as we’re not a very financially literate nation.[...] I will definitely renew this plan after this year.”
Fatma, 35Married working professional with no children
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Certified Financial Planner (CFP)

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