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"What financial planning is really about..."

  • 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
  • Helps us Learn from the Past & Make a Difference in the Present

We Advise You on every areas in personal finances,  without any product pushing

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Who is this guy?

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.

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

Merit Award from Financial Planning Association of Malaysia (FPAM)

Interviewed by Focus Malaysia business news on financial planning

Why modern day fees-based financial planning is for the mass affluent & working professional

Conducted Continuing Professional Education (CPE) course

CPE course on the topic of retirement & REIT investment, attended by bankers and senior staff of financial institutions

Conduct financial workshops to professionals associations such as CPA Australia

On topics such as retirement management & SME business succession

How is CF Lieu different, and what's his credentials?

"Going against the grain of the financial planning industry, my Independence Sets me apart from other so-called "Financial Planners"


I have a firmly rooted belief that financial advice should be given without bias or a desire to earn investment commissions and transaction fees. Advice should be advice—not sales.

I make my advice transparent, conflict-free and in your best interests at all times. I am dedicated to sitting on the same side of the table as you. Any fees you pay to are fees for advice—that is it. Unlike big “name brand” advisers or firms, I am not driven to generate profits for shareholders by selling proprietary solutions that generate the most revenue.

I advocate entirely for you. While many honest people work within the financial services industry, they work within a system that is set up in order for the house to win, not the clients. It’s not an evil system – just one created to grow the assets of corporations, not individual investors.

However, now there is an alternative – one that has been created to serve the investor without conflict. It is called an independent financial adviser (IFA). If there is one single step you can take today to solidify your financial position, it’s to align yourself with a credible & skilled IFA in Malaysia.

The fact is, everyone can call himself Financial Planner/Adviser nowadays, but only an IFA like CF Lieu, licensed by Securities Commission Malaysia can advise you in an impartial manner and be compensated professionally in the form of advisory fees.