DIY most of it
get expert help
on just one area 大部分自己来
只在一个领域
获得专业协助

• Goal Setting财务目标规划

  Turn vague "somedays" — a home, a car, the kids, early retirement — into dated, costed targets. For anyone who feels busy with money but without direction. You leave with a prioritised, time-lined goal sheet to plan the rest of your finances around.把模糊的「有一天」—— 买房、买车、孩子、提早退休 —— 变成有日期、有金额的目标。适合对钱很忙碌、却没方向的人。你会获得一份按优先级与时间排序的目标清单，作为其他规划的依据。

• Financial Health Check财务健康检测

  A full snapshot of where you stand — income, spending, debt, savings rate, protection and net worth. For people unsure whether their finances are actually on track. You receive a written health report flagging the gaps and the quick wins to fix first.全面检视你的现状 —— 收入、支出、负债、储蓄率、保障与净值。适合不确定自己财务是否健康的人。你会收到一份书面检测报告，指出漏洞与应优先处理的地方。

• Cashflow Management现金流管理

  Map where every ringgit goes and build a spending-and-saving system you'll actually keep. For those who earn well but can't see where it disappears. You get a personalised cashflow plan with a realistic monthly savings target.理清每一块钱的去向，建立你真正能坚持的收支系统。适合收入不错、却存不下钱的人。你会获得一份个人化的现金流方案与实际可行的每月储蓄目标。

• Personal Tax Planning个人税务规划

  Review your reliefs, rebates and income structure to legally lower what you pay. Best for salaried earners and the self-employed leaving money on the table. You receive a checklist of reliefs to claim and moves to make before year-end.检视你的税务减免、回扣与收入结构，合法降低应缴税额。适合白领与自雇、却漏掉可省税项的人。你会收到一份可申报减免清单与年底前该采取的行动。

• Investment Planning (Cash, EPF, PRS)投资规划

  Build a portfolio matched to your goals, timeline and risk comfort across cash, EPF and PRS. For people holding idle savings or investing without a plan. You get a neutral allocation strategy — not a pitch for one fund house.依你的目标、时间与风险承受度，配置现金、公积金（EPF）与私人退休金（PRS）。适合有闲置储蓄或盲目投资的人。你会获得中立的资产配置策略 —— 而非某家基金公司的推销。

• Insurance Comparison保险公司对比

  Put your existing or shortlisted policies side by side across insurers on coverage, cost and value. For anyone told "just buy this" without seeing the alternatives. You receive an independent comparison table and a clear recommendation.把你现有或候选的保单，跨保险公司在保障、成本与价值上并列比较。适合被推销「买这个就对了」、却没看过其他选择的人。你会收到一份独立的对比表与明确建议。

• Life Insurance Planning保险规划

  Work out how much life, medical and critical-illness cover you actually need — no more, no less. Best for new parents, breadwinners and anyone over- or under-insured. You leave with a coverage plan sized to your real liabilities and dependents.算出你真正需要多少人寿、医疗与重疾保障 —— 不多买、也不少买。适合新手父母、家庭经济支柱，以及保障过多或不足的人。你会获得一份依你的负债与家属量身而定的保障方案。

• General Insurance Planning综合险规划

  Cover the assets and risks life insurance doesn't — car, fire, personal accident (PA) and travel. For homeowners, drivers and families who want no blind spots. You get a review of your general policies and where you're over-paying or exposed.涵盖人寿险以外的资产与风险 —— 汽车、火险、个人意外（PA）与旅游。适合有房、有车、想没有盲点的家庭。你会获得综合险的检视，指出你多付或未受保的地方。

• Retirement Planning退休规划

  Answer the two big questions — how much you'll need, and whether you're on track to retire when you want. For anyone unsure if EPF alone is enough. You receive a retirement projection with the savings gap and the steps to close it.回答两个核心问题 —— 你需要多少，以及能否在想要的年龄退休。适合不确定单靠公积金是否足够的人。你会收到一份退休预测，列出储蓄缺口与弥补的步骤。

• Children Education Planning儿童教育规划

  Estimate the future cost of your child's education and build a funding plan to reach it. Best for parents who want the cost handled early, not scrambled for later. You get a target figure and a monthly savings-and-investment plan to hit it.估算孩子未来的教育费用，并制定达成目标的储备方案。适合想及早准备、而非临时张罗的父母。你会获得一个目标金额与每月储蓄投资计划。

• Estate Planning (Will, Trust)遗产规划

  Make sure what you've built passes to the right people — smoothly and without dispute — through a will or trust. For anyone with dependents, property or business interests. You leave with a clear estate structure and the documents you need to put in place.确保你积累的资产顺利、无争议地交到对的人手中 —— 通过遗嘱或信托。适合有家属、房产或生意的人。你会获得清晰的遗产架构，以及需要落实的文件清单。

Need more than a single module? We also offer 1-on-1 consultation and a full comprehensive plan. 需要的不只是单一模组？我们也提供 1对1 咨询与全面性财务规划。See all options & pricing查看所有方案与价格