What is a licensed financial planner and how is it different from an insurance or fund agent?

A licensed financial planner is regulated by BNM and the Securities Commission. Unlike a tied agent who represents one company and can only offer that company's products, we are independent and not tied to any single insurer or fund house, so we compare across companies and recommend what genuinely fits you.

Malaysia · Licensed Financial Planner马来西亚 · 持牌财务规划师

Goodbye financial anxiety. A licensed planner helps you break through 告别财务焦虑，持牌规划师帮你破局

Name: YourFinanceDoc 你的财务规划师
Address: MY
Price range: RM

Hand-in-hand guidance to get every financial decision right — neutral, independent advice, no hidden fees. 手把手带你做对每一个财务决策 —— 立场中立、独立不隶属单一公司、没有隐藏费用。

Find the service that fits me看看我适合哪一种

Sound familiar?你会不会也有这些问题

Paid for course after course — still lost? 付费上了很多课，但还是不知所措？

Want to plan, but don't know where to start? 想理财，但不知道要从哪里开始？

Know investing matters, but scared to lose money? 知道投资很重要，但又怕亏钱？

Not sure if your finances are actually healthy? 目前的财务状况，也不知道健不健康？

So many insurers — which one is right for you? 那么多保险公司，哪家最适合我？

How much do you need to retire / be financially free? 要多少钱才能财务自由、提早退休？

Why work with 鑫哥为什么选择鑫哥

Licensed by BNM & SC持有 BNM 及 SC 执照
Fully regulated and compliant — your protection.合规有保障。
Advice built around you专属建议
Recommendations based on your actual situation and goals.根据你的实际情况，给你专属的财务建议。
Built to be acted on学以致用
I believe action is what matters — we hand-hold you through it.我相信学以致用，行动才是最重要的。

Our services我们提供的理财服务

1-on-1 Consultation1对1 线上咨询

A focused hour for the specific questions on your mind.专注一小时，解答你心中的特定问题。

RM149 / hour小时

Inclusive of 8% SST已含 8% 销售服务税

I have a question to ask我有一个问题想咨询

Single Module单一财务模组

Deep focus on one area — tax, investing, insurance and more.专注单一领域 —— 税务、投资、保险等。

RM851 / module模组

Inclusive of 8% SST已含 8% 销售服务税

Plan one single module我想做单一财务模组

Comprehensive Plan全面性财务规划

Everything your personal finances need, planned together.你个人财务规划所需的一切，整体规划。

from起RM3,240

Inclusive of 8% SST · income-based已含 8% 销售服务税 · 依年收入

Plan my whole finances我想做全面财务规划

Not sure which fits? We start by understanding your situation, then suggest the right service. You can also compare all plans. 不确定哪个适合？先了解你的情况，再建议适合的服务；也可以比较所有配套。

Free financial tools免费理财工具

Financial Health Check财务健康检测 See where you stand in 3 minutes3 分钟看清你的财务现状 Retirement Gap退休储蓄缺口 How much you need before retiring退休前你需要存多少？ Savings Goal储蓄目标计算器 Monthly savings to hit your goal每月要存多少才达标 Insurance Gap保险保障缺口 Are you covered enough?你的保障够不够？ Education Fund儿童教育基金 Plan early for your child为孩子的教育提早规划 Emergency Fund紧急备用金 Size your safety net算出你的财务安全垫

Not sure where to start? See all free tools → 不知道从哪开始？查看全部免费工具 →

Common questions常见问题

What is a licensed financial planner — how is it different from an insurance or fund agent?持牌财务规划师是什么？和保险／基金代理有何不同？

A licensed financial planner is regulated by BNM and the SC. The difference from a tied agent: a tied agent represents one company and can only offer that company's products — while we're independent, not tied to any single insurer or fund house, so we compare across companies and recommend what genuinely fits you.持牌财务规划师受 BNM 与 SC 监管。与「代理」的差别在于：代理只代表单一公司、只能销售该公司的产品；而我们立场独立，不隶属任何一家保险或基金公司，因此能跨公司比较，推荐真正适合你的方案。

Will you sell me insurance or funds?你会推销保险或基金产品吗？

We start with neutral planning advice, not a sales pitch. If, during implementation, you decide to go ahead with a recommended plan, we can help you set it up too — and because we're independent, that can be with whichever company suits you best, not just one.我们从中立的规划建议开始，而不是推销。若在执行阶段，你决定落实某个建议方案，我们也可以协助你安排 —— 因为立场独立，可以跨公司选择最适合你的那一家，而不局限于单一公司。

Are consultations online or in person?咨询是线上还是面对面？

Fully online via video meeting, so you can join from anywhere in Malaysia.全程线上（视频会议），你可在马来西亚任何地方参与。

I'm a beginner with limited assets — is planning for me?我是理财新手、资产不多，适合找规划师吗？

Yes — the earlier you plan, the bigger the advantage. We start from the basics that fit your actual situation and build from there.适合。越早规划越有优势。我们会根据你的现况，从最基础、最实用的地方开始。

How does the process work?整个流程是怎样的？

Start with a form or a 15-minute suitability check to understand your needs, then: financial diagnosis → a tailored plan → hands-on help to execute → regular reviews.先透过表单或 15 分钟适配评估了解你的需求，接着：财务诊断 → 制定专属方案 → 手把手协助执行 → 定期检视调整。

Is my financial data safe?我的财务资料安全吗？

Yes. Your personal data is handled under Malaysia's PDPA, used only to provide your service, and never sold or shared.是的。我们依据大马个人资料保护法令（PDPA）处理你的资料，仅用于为你提供服务，绝不销售或外泄。

Ready when you are随时为你准备

Take the first step today.今天就迈出第一步。

Pick the service that fits where you are — or WhatsApp me first if you just have a quick question.选一个适合你现况的服务开始 —— 或者，如果只是想快速问一句，先 WhatsApp 我也可以。

Find the service that fits me看看我适合哪一种

Or WhatsApp me a quick question或 WhatsApp 快速提问