Transparent pricing · Start with what you need to sort out收费透明 · 先看你要解决什么问题

Stuck on insurance, investing or retirement?卡在保险、投资，还是退休规划？

You might have one question you want answered. Or you may know your finances need attention but have no idea where to begin. When your insurance, investments and retirement plans affect one another, it can make sense to look at them together.

This page compares three paid services so you can choose only the help you need. All prices include 8% SST. If a smaller service is enough, I will tell you. 你可能只是想问清楚一件事，也可能知道自己的财务需要整理，却不懂从哪里开始。问题多一点时，它们还会互相影响，需要放在一起看。

这里会帮你比较三种付费服务，找出刚好能把问题处理好的那一种。所有价格已含 8% SST。小的服务够用，我就不会叫你选更大的。

See what each service can help you sort out, then choose the one that is enough for your situation. You do not have to start with the most complete plan. 先看每项服务能帮你处理什么，再决定哪一项够用。你不必从最完整的配套开始。

1-on-1 Consultation1对1 线上咨询

For specific questions you want answered适合有特定问题想咨询的你

RM149 / hour/ 小时

Inclusive of 8% SST已含 8% 销售服务税

  • Not included: 不包含：Goal Setting财务目标规划
  • Not included: 不包含：Financial Health Check财务健康检测
  • Not included: 不包含：Cashflow Management现金流管理
  • Not included: 不包含：Personal Tax Planning个人税务规划
  • Not included: 不包含：Investment Planning (Cash, EPF, PRS)投资规划
  • Not included: 不包含：Insurance Comparison保险公司对比
  • Not included: 不包含：Life Insurance Planning保险规划
  • Not included: 不包含：General Insurance Planning综合险规划
  • Not included: 不包含：Retirement Planning退休规划
  • Not included: 不包含：Children Education Planning儿童教育规划
  • Not included: 不包含：Estate Planning (Will, Trust)遗产规划
  • Not included: 不包含：Accounts for how modules interact会考量各模组的相互影响
  • Not included: 不包含：Full review by short / mid / long-term goals评估现状，依短中长期目标规划
  • Included: 包含：Neutral, objective advice提供中立客观的理财建议
  • Included: 包含：Hands-on execution support手把手带你执行
  • Included: 包含：Online meetings线上会议1×
  • Not included: 不包含：6- and 12-month reviews半年后与一年后检讨调整
Best for适合谁

DIY planners with a specific question to talk through.喜欢自己 DIY 理财，但有特定问题想咨询的人。

Explore 1-on-1了解 1对1 咨询

Single Module单一财务模组

Deep focus on one area you choose专注你所选的单一财务模组

RM851 / module/ 模组

Inclusive of 8% SST已含 8% 销售服务税

Pick any one of the eleven areas below可任选以下十一个领域中的一个

  • Choose one: 任选其一：Goal Setting财务目标规划
  • Choose one: 任选其一：Financial Health Check财务健康检测
  • Choose one: 任选其一：Cashflow Management现金流管理
  • Choose one: 任选其一：Personal Tax Planning个人税务规划
  • Choose one: 任选其一：Investment Planning (Cash, EPF, PRS)投资规划
  • Choose one: 任选其一：Insurance Comparison保险公司对比
  • Choose one: 任选其一：Life Insurance Planning保险规划
  • Choose one: 任选其一：General Insurance Planning综合险规划
  • Choose one: 任选其一：Retirement Planning退休规划
  • Choose one: 任选其一：Children Education Planning儿童教育规划
  • Choose one: 任选其一：Estate Planning (Will, Trust)遗产规划
  • Not included: 不包含：Accounts for how modules interact会考量各模组的相互影响
  • Not included: 不包含：Full review by short / mid / long-term goals评估现状，依短中长期目标规划
  • Included: 包含：Neutral, objective advice提供中立客观的理财建议
  • Included: 包含：Hands-on execution support手把手带你执行
  • Included: 包含：Online meetings线上会议2×
  • Not included: 不包含：6- and 12-month reviews半年后与一年后检讨调整
Best for适合谁

DIY planners who need help on one area they don't understand.喜欢 DIY，但有些模组完全不了解、需要帮助的人。

Explore modules了解单一模组
Most Popular最受欢迎

Comprehensive Plan全面性财务规划

Everything your personal finances need你个人财务规划所需的一切

fromRM3,240起

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

Less than 4 modules bought separately
(4 × RM851 = RM3,404)比单买 4 个模组更划算
(4 × RM851 = RM3,404)

  • Included: 包含：Goal Setting财务目标规划
  • Included: 包含：Financial Health Check财务健康检测
  • Included: 包含：Cashflow Management现金流管理
  • Included: 包含：Personal Tax Planning个人税务规划
  • Included: 包含：Investment Planning (Cash, EPF, PRS)投资规划
  • Included: 包含：Insurance Comparison保险公司对比
  • Included: 包含：Life Insurance Planning保险规划
  • Included: 包含：General Insurance Planning综合险规划
  • Included: 包含：Retirement Planning退休规划
  • Included: 包含：Children Education Planning儿童教育规划
  • Included: 包含：Estate Planning (Will, Trust)遗产规划
  • Included: 包含：Accounts for how modules interact会考量各模组的相互影响
  • Included: 包含：Full review by short / mid / long-term goals评估现状，依短中长期目标规划
  • Included: 包含：Neutral, objective advice提供中立客观的理财建议
  • Included: 包含：Hands-on execution support手把手带你执行
  • Included: 包含：Online meetings线上会议5×
  • Included: 包含：6- and 12-month reviews半年后与一年后检讨调整
Best for适合谁

Busy people who want it handled, and beginners who'd rather not go it alone.忙于工作、不想折腾自己的人，以及对理财一知半解、想学却有心无力的人。

Explore the full plan了解全面性规划

Why I look at the problem before discussing solutions为什么我会先了解问题，才谈方案？

I began my career as an electronic engineer. Later, I worked as a unit-trust consultant and life-insurance agent. The jobs were very different, but they left me with the same habit: understand the problem before discussing a solution.我早期做电子工程，后来做过单位信托基金顾问和寿险代理人。这些工作很不一样，却让我更确定一件事：资料还没看清，问题还没找出来，就不该急着谈产品或方案。

At YFD, you pay for analysis and planning first. What you do next is up to you. You decide whether to act, what to implement and whether to arrange it through me or another channel. I want you to understand why a recommendation makes sense. Then you can decide whether to act at all.在 YFD，你先付费做分析和规划。之后要不要执行、做哪一部分、通过我还是其他渠道办理，都由你决定。你先明白为什么这样做，再决定要不要做。

Learn more about Henry's background →了解更多关于鑫哥的背景 →
01 Plan finder配套指引
Question 1 of 3第 1 题 / 共 3 题

Which area of your finances needs the most attention right now?目前你财务中哪个领域最需要关注？

02 Our fees, explained收费说明

Why do financial planners charge these fees?为什么理财规划师会收取这些费用？

1

Hours of Preparation充分的前期准备

For every hour of face-time, we spend 5–10 hours behind the scenes — reviewing your documents, running the numbers, and structuring the session so not a minute of your time is wasted.每 1 小时的面谈背后，我们会花上 5–10 小时——检视你的文件、进行各项计算、规划会谈流程，确保不浪费你一分钟的时间。

2

Deep-Dive Analysis深入的分析

We don't guess. We model your real cash flow, expenses, and goals against inflation, market returns, and tax. It's not a template — it's built for you.我们不靠猜测。我们会依据通胀、市场回报与税务，模拟你真实的现金流、支出与财务目标。这不是套用模板，而是为你量身打造。

3

Market-Wide Research全市场的比较

Planning starts with you, not with a product. We compare real options across insurers and fund providers — the entire Malaysian market, not just one company. That research takes time.规划以你为出发点，不以产品为出发点。我们会跨保险公司与基金机构比较真实的方案——涵盖整个马来西亚市场，而非单一机构。这样的研究需要时间。

4

Personalized Report Writing专属的书面报告

You don't just walk away with memories. You get a clear, written document laying out your action steps, numbers, and strategy — something you can refer back to for years.你带走的不只是记忆。你会得到一份清晰的书面报告，列明你的行动步骤、数据与策略——往后多年都能随时查阅。

5

Follow-Up & Support后续的跟进与支持

Your plan doesn't expire when the call ends. We provide follow-up support for questions that come up as you put it into action — that's included.你的规划不会在通话结束时失效。当你在执行过程中遇到问题，我们会提供后续支持——这些都已包含在内。

Very few Malaysian planners explain what goes into their fees. We believe in total transparency — because when you understand the value, the price makes perfect sense.很少有马来西亚的理财规划师会说明费用背后的付出。我们坚持完全透明——因为当你了解其中的价值，价格自然合理。

03 Pricing questions收费常见问题

Good questions, answered把疑问说清楚

Are prices inclusive of SST?价格已含 SST 吗？
Yes — every price you see already includes the 8% SST, so the figure on the card is exactly what you pay. There are no setup fees, hidden charges, or extras added at checkout. What's quoted is what's invoiced.是的 —— 你看到的每个价格都已包含 8% 销售服务税，卡片上的金额就是你实际支付的金额。没有开办费、隐藏收费，付款时也不会再加价。报价即账单。
Which plan is right for me?我该选哪个配套？
It depends on how much help you want. A one-off question is best answered in a 1-on-1 consultation; being stuck on a single area like tax or insurance suits a Single Module; wanting everything reviewed and coordinated together points to the Comprehensive Plan. If you're still unsure, use the quick guide above or just ask — we'll tell you honestly, even when that means recommending a smaller plan.这取决于你需要多少协助。零星的单一问题，1对1 咨询最合适；卡在某一个领域（如税务或保险），适合单一模组；想把整体财务一次检视并统筹，则是全面性规划。若仍不确定，可用上方的快速指引，或直接问我们 —— 我们会如实建议，即使那代表推荐较小的配套。
Can I start small and upgrade later?可以先小额开始、之后再升级吗？
Yes. You can begin with a 1-on-1 Consultation or Single Module and add more later if needed, with no lock-in. Consider Comprehensive Planning only when different areas of your finances affect each other and need to be looked at together. If a smaller service already solves the problem, there is no need to upgrade.可以。你可以先从 1对1 线上咨询或单一财务模组开始，之后有需要再增加其他服务，没有绑约。只有当几个财务领域确实互相影响、需要一起规划时，才考虑全面性财务规划。如果较小的服务已经能解决问题，就不需要升级。
Why is the comprehensive plan income-based?为什么全面性规划依年收入计算？
A higher income usually brings more moving parts — more tax to optimise, more assets to structure, and more scenarios to plan around — so the work scales with complexity. Pricing therefore starts from RM3,240 and adjusts to your situation, which keeps it fair rather than charging everyone a flat premium. We'll confirm the exact figure with you upfront, before any work begins.收入较高通常意味着财务更复杂 —— 有更多税务可优化、更多资产需规划、更多情况要考量，因此工作量会随复杂程度增加。价格从 RM3,240 起，并依你的实际情况调整，让收费更公平，而非对所有人一律收取高价。我们会在开始任何工作前，先与你确认确切金额。
Is your advice really neutral?你的建议真的中立吗？

I am not tied to any single insurance or fund provider. After completing the planning process, you decide whether to implement any recommendation, which option to choose and which channel to use. You are not required to purchase any product through me.我不隶属于任何单一保险或基金公司。完成规划后，是否执行、选择什么方案，以及通过哪个渠道办理，都由你决定；我不会强迫你购买产品。

If you choose to arrange insurance, unit trusts or PRS through me and FA Advisory, I may receive commission from the relevant product provider. This commission is separate from the financial-planning fee and does not affect your right to choose another option or channel.如果你选择通过我与 FA Advisory 安排保险、单位信托基金或 PRS，我可能从相关产品供应商获得佣金。有关佣金与财务规划收费分开计算，也不会影响你自行选择其他方案或渠道的权利。

想了解更完整的收入来源说明，可查看 YFD 怎么赚钱。

Not sure which fits?不确定哪个适合？

Choose the help
that fits the problem先选能解决你目前问题的服务

If you already know what you need help with, choose the service that matches it. There is no reason to pay for a broader plan when a smaller service is enough.你已经知道自己要处理什么，就直接选对应的服务。够用就好，不需要因为另一个配套看起来更完整而多买。

I need to talk through one specific question有一个具体问题，想直接谈清楚

Choose the RM149 1-on-1 Consultation选择 RM149 1对1 线上咨询

I need a proper plan for one financial area想把一个财务领域好好规划

Choose the RM851 Single Module选择 RM851 单一财务模组

My financial decisions affect each other. I need one plan that looks at them together.几件财务问题互相影响，需要放在一起处理

Choose Comprehensive Planning from RM3,240选择 RM3,240 起全面性财务规划

Still unsure? Answer three short questions in the Plan Finder and let it point you in the right direction.还是拿不准？用上方的配套指引回答 3 个问题，它会帮你理清方向。

查看配套
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