3 Key Advantages of Working with a Financial Planner

Ever bought life insurance from your friendly neighbor or got a hot real estate tip from Cousin Joe? You're not alone. We all love supporting friends and family, but when it comes to serious financial planning, it might be time to call in the pros. Sure, Cousin Joe might throw a great BBQ, but does he have four modules of training in financial planning? Probably not. Enter the licensed financial planners, the superheroes of personal finance. These aren't your everyday insurance or unit trust agents. They're equipped to tackle the big picture, save you time, and build long-lasting relationships. If you’re tired of chasing quotes and playing phone tag with Agent A, B, and C from Companies D, E, and F, maybe it's time to consult a financial planner. Looking for more professionalism, exposure, and efficiency? Don't worry; we're not firing Cousin Joe; we're just hiring a financial planner.

Which Should I Buy First: a Car or a House?

Today, I’m in my mid-30s. As I look back, where I am financially today was shaped by what I did in my 20s. So, if you are reading this and are

The Fine Line between Financial Advice and Financial Education

‘I have RM 50,000 in cash. What should I invest in?’ This is a common question on investing. But, the thing is, ‘What answers do you expect?’. Do you intend to

9 Places to Park Excess Cash Other Than FDs

Let’s say, I have RM 50,000 in excess cash. I intend to have them as my emergency fund. In other words, it is money, which I could certainly have access to

What is an Asset? How the Rich Think of It Differently from the Middle Class?

When I was in college, I read ‘Rich Dad Poor Dad’. Of which, it simply defines an asset to be something that puts money into my pocket and a liability

Is Investing Risky?

Yes, it is. But, I would say my views on what is risky has evolved progressively over time. I believe as a kid, I felt that investing is risky as I

Financial Scorecard: 5 Metrics You Need to Know to Achieve Financial Independence

I strongly believe this. If you are reading this article, you have a desire to become financially wealthy. Many aspire to that, dreaming as to how superb life could be once they

My Friend Forbids His Son from Getting a Stable Job in Silicon Valley, For a Good Reason

Let me tell you a story about my friend, a Malaysian who migrated to the San Francisco silicon valley. I visited him in the Bay Area during my last trip to

What To Do If I’m Bad in Finance?

Hmm … Here is my take on this. First, it is one thing to recognise this as a part of your shortcomings. However, it is another thing to use this as an

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