Integrate every areas of your personal finances in 2 months, without any product pushing

  • Gain Clarity via Consolidated “Big Picture” Analysis
  • Make Smarter and Informed Financial Decisions
  • Evaluate the Cause & Effect of a Financial Decision on the Future
  • Catch & Fix Financial Leakages or Blind spots before they Snowball

Who is CF Lieu, the founder of this website?

CF Lieu is an independent financial adviser (IFA) licensed by the Securities Commission of Malaysia to conduct regulated financial planning activities and charge a professional fee for it.

And of course, CF Lieu is a CFP and a great person to hang out with :)

How is CF Lieu different from other “Financial Planners”?

Everyone can call himself Financial Planner/Adviser nowadays, but only an IFA like Ching Foo, licensed by Securities Commission Malaysia can advise you in an impartial manner and be compensated professionally in the form of advisory fees. Any financial products would only be recommended at implementation stage if the product meets your needs.

How does the role of an IFA benefit you?

Let me explain using the analogy below

The IFA (Independent Financial Adviser) Difference

BEFORE engaging an IFA

Click for Enlarged View

AFTER engaging an IFA

Click for Enlarged View

How is CF Lieu different from other CFPs ?

A CFP CERT TM  holder means he has the competency and qualification in the 4 main areas in personal financial planning – wealth protection, wealth accumulation, wealth preservation and wealth distribution. It DOES NOT imply whether he is tied financial product agent (who usually has some form of sales quota to meet) or a licensed independent financial adviser (IFA) with NO sales quota to fulfill. The latter role removes conflict of interest.


How is CF Lieu different from other IFAs?

Top in Malaysia for 2013 Certified Financial Planner (CFP) program

  • Module 6: Financial Plan Construction & Professional Responsibilities
  • Merit Award from Financial Planning Association of Malaysia (FPAM)

mod 6 award - Copy

Gave financial workshops to professionals & business owners

  • I conduct talks for professional bodies like CPA Australia
  • Topics include retirement management & SME business succession

A personal finance columnist for various Malaysian publications

    • I write for Money Compass magazine & StarProperty.my
    • Doing my part to raise financial literacy among Malaysians

Clients’ Testimonials

I have followed CF’s valuable sharing in this blog since its early days. But it was not until I engaged him 1-to-1 as my “retirement adviser” that I could really see the value of independent advice he could deliver. 

 

I consider myself financially savvy and comfortably retired than most – yet I think I need a lil’ help from an adviser who could advise me from different angles to manage my retirement nest egg – so like they say – I don’t run out of money before running out of life! 

 

CF injects much clarity in helping me with this area with his patience and dedication. 

 

I have no qualms in recommending CF to my relatives and friends who need independent financial advisory. 

Kuldip Singh, 60 (Melaka) Retired, Ex Senior Manager at multiple MNCs

CF showed us what true fee-based financial planning is about. The immediate positive outcome from it – we thought we had a conventional non-transferable MLTA for our first KL property purchase but then we discovered it is actually a personal investment-linked policy. The banker from which we took the mortgage was supposed to send us the insurance policy, but didn’t – until we asked.

 

We probably saved RM 4,000 to RM 5,000 insurance premiums a year from needlessly buying another insurance policy when we bought a second property in JB – if we were to not know this until CF highlighted it to us.

 

Throughout our engagement, CF patiently answered even the most unintelligent questions from us without contempt. And a very refreshing non-product pushing consultative approach, to say the least! For example, he respected our decision focus on investing in property for now, although we are made aware by CF that our portfolio should consist of diversified liquid assets as well.

 

A licensed financial adviser we would highly recommend to people not from the finance sector but trying to set their finances straight

Samuel Wong, 31 & Dr Stephanie Tan, 27 (Johor Bahru) Executive at a MNC & Dental Surgeon

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