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4MSOI Wealth Management

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Everyone Are Financial Planner The school does not teach us how to manage our wealth to ensure financial sustainability in our future.

Our Vision:
Everyone Are Financial Planner

My Mission Statement:
Assist individual and corporate to strengthen financial planning and risk management coordination via continuous education, knowledge sharing and collaboration. Our Core Values
• Relationships
• Integrity
• Giving
• Harmony
• Trustworthy

With 14 years’ experience in financial industry and exposure in the society, we have noticed that the most common root cause of bankruptcy and financial difficulty are due to “financial mismanagement”. Even normal people like us may think that financial planning is a very boring topic. However, the reality is that Risk Management & Financial Planning Skills are one of the most important skills that we should have to at least keep our life harmony and in better scenario – financially success.

“Everyone Are Financial Planner“. We believe the most meaningful way to succeed is by helping other people succeed. By sharing knowledge that we’ve learned, we wish to inspired more individual to understand the important of financial planning and ultimately help them to be financially free or at least a harmony life.

25/10/2023

𝐖𝐇𝐀𝐓 𝐈𝐅, 𝐲𝐨𝐮𝐫 𝐬𝐭𝐚𝐟𝐟 𝐬𝐭𝐞𝐚𝐥 𝐔𝐒𝐃𝟏𝟎,𝟎𝟎𝟎,𝟎𝟎𝟎 𝐟𝐫𝐨𝐦 𝐲𝐨𝐮𝐫 𝐜𝐨𝐦𝐩𝐚𝐧𝐲

𝑶𝒏 𝑫𝒆𝒄 1𝒔𝒕, 2022, 𝒇𝒐𝒓𝒎𝒆𝒓 𝑨𝒎𝒂𝒛𝒐𝒏 𝒆𝒎𝒑𝒍𝒐𝒚𝒆𝒆 𝒑𝒍𝒆𝒂𝒅 𝒈𝒖𝒊𝒍𝒕𝒚 𝒇𝒐𝒓 𝑼𝑺𝑫10,000,000 𝒇𝒓𝒂𝒖𝒅.

Following are 2 highlights that I would like to bring it forward here:

“𝙏𝙝𝙚 𝙙𝙚𝙛𝙚𝙣𝙙𝙖𝙣𝙩𝙨 𝙖𝙗𝙪𝙨𝙚𝙙 𝙩𝙝𝙚𝙞𝙧 𝙩𝙧𝙪𝙨𝙩𝙚𝙙 𝙥𝙤𝙨𝙞𝙩𝙞𝙤𝙣𝙨 𝙩𝙤 𝙨𝙩𝙚𝙖𝙡 𝙣𝙚𝙖𝙧𝙡𝙮 $10 𝙢𝙞𝙡𝙡𝙞𝙤𝙣 𝙛𝙧𝙤𝙢 𝙩𝙝𝙚 𝙘𝙤𝙢𝙥𝙖𝙣𝙮 𝙤𝙫𝙚𝙧 𝙩𝙝𝙚 𝙘𝙤𝙪𝙧𝙨𝙚 𝙤𝙛 𝙟𝙪𝙨𝙩 𝙖 𝙛𝙚𝙬 𝙢𝙤𝙣𝙩𝙝𝙨,”

“𝙏𝙝𝙚𝙨𝙚 𝙙𝙚𝙛𝙚𝙣𝙙𝙖𝙣𝙩𝙨 𝙖𝙩𝙩𝙚𝙢𝙥𝙩𝙚𝙙 𝙩𝙤 𝙝𝙞𝙙𝙚 𝙩𝙝𝙚𝙞𝙧 𝙨𝙘𝙝𝙚𝙢𝙚 𝙞𝙣 𝙥𝙡𝙖𝙞𝙣 𝙨𝙞𝙜𝙝𝙩 𝙗𝙮 𝙪𝙨𝙞𝙣𝙜 𝙩𝙝𝙚𝙞𝙧 𝙪𝙣𝙞𝙦𝙪𝙚 𝙧𝙤𝙡𝙚𝙨 𝙬𝙞𝙩𝙝𝙞𝙣 𝙩𝙝𝙚𝙞𝙧 𝙘𝙤𝙢𝙥𝙖𝙣𝙮 𝙩𝙤 𝙘𝙤𝙣𝙘𝙚𝙖𝙡 𝙩𝙝𝙚 𝙖𝙘𝙩𝙞𝙤𝙣𝙨 𝙛𝙧𝙤𝙢 𝙬𝙝𝙞𝙘𝙝 𝙩𝙝𝙚𝙮 𝙛𝙧𝙖𝙪𝙙𝙪𝙡𝙚𝙣𝙩𝙡𝙮 𝙗𝙚𝙣𝙚𝙛𝙞𝙩𝙩𝙚𝙙.”

From these 2 highlights we noted that not genuine employee could manipulate certain process using their positing and authority to do things that benefits themselves while damaging company. In certain scenarios, authorities and position sometime does make a person become more greedy.

On the paper, following are how they actually fraud the company:

𝑾𝒐𝒓𝒕𝒉𝒂𝒎, 𝒘𝒉𝒐 𝒘𝒂𝒔 𝒕𝒉𝒆 𝒍𝒆𝒂𝒅𝒆𝒓 𝒐𝒇 𝒕𝒉𝒆 𝒔𝒄𝒉𝒆𝒎𝒆, 𝒑𝒓𝒐𝒗𝒊𝒅𝒆𝒅 𝒇𝒂𝒌𝒆 𝒗𝒆𝒏𝒅𝒐𝒓 𝒊𝒏𝒇𝒐𝒓𝒎𝒂𝒕𝒊𝒐𝒏 𝒕𝒐 𝒖𝒏𝒌𝒏𝒐𝒘𝒊𝒏𝒈 𝒔𝒖𝒃𝒐𝒓𝒅𝒊𝒏𝒂𝒕𝒆𝒔 𝒂𝒏𝒅 𝒂𝒔𝒌𝒆𝒅 𝒕𝒉𝒆𝒎 𝒕𝒐 𝒊𝒏𝒑𝒖𝒕 𝒕𝒉𝒆 𝒊𝒏𝒇𝒐𝒓𝒎𝒂𝒕𝒊𝒐𝒏 𝒊𝒏𝒕𝒐 𝑨𝒎𝒂𝒛𝒐𝒏’𝒔 𝒗𝒆𝒏𝒅𝒐𝒓 𝒔𝒚𝒔𝒕𝒆𝒎. 𝑶𝒏𝒄𝒆 𝒕𝒉𝒆 𝒊𝒏𝒇𝒐𝒓𝒎𝒂𝒕𝒊𝒐𝒏 𝒘𝒂𝒔 𝒆𝒏𝒕𝒆𝒓𝒆𝒅, 𝑾𝒐𝒓𝒕𝒉𝒂𝒎 𝒂𝒑𝒑𝒓𝒐𝒗𝒆𝒅 𝒕𝒉𝒆 𝒇𝒂𝒌𝒆 𝒗𝒆𝒏𝒅𝒐𝒓𝒔, 𝒕𝒉𝒆𝒓𝒆𝒃𝒚 𝒆𝒏𝒂𝒃𝒍𝒊𝒏𝒈 𝒕𝒉𝒐𝒔𝒆 𝒗𝒆𝒏𝒅𝒐𝒓 𝒂𝒄𝒄𝒐𝒖𝒏𝒕𝒔 𝒕𝒐 𝒔𝒖𝒃𝒎𝒊𝒕 𝒊𝒏𝒗𝒐𝒊𝒄𝒆𝒔 𝒕𝒐 𝑨𝒎𝒂𝒛𝒐𝒏. 𝑾𝒐𝒓𝒕𝒉𝒂𝒎 𝒂𝒏𝒅 𝒉𝒆𝒓 𝒄𝒐-𝒄𝒐𝒏𝒔𝒑𝒊𝒓𝒂𝒕𝒐𝒓𝒔, 𝒊𝒏𝒄𝒍𝒖𝒅𝒊𝒏𝒈 𝑯𝒊𝒏𝒆𝒔, 𝒕𝒉𝒆𝒏 𝒔𝒖𝒃𝒎𝒊𝒕𝒕𝒆𝒅 𝒇𝒊𝒄𝒕𝒊𝒕𝒊𝒐𝒖𝒔 𝒊𝒏𝒗𝒐𝒊𝒄𝒆𝒔 𝒇𝒐𝒓 𝒑𝒂𝒚𝒎𝒆𝒏𝒕. 𝑻𝒉𝒆𝒔𝒆 𝒊𝒏𝒗𝒐𝒊𝒄𝒆𝒔 𝒇𝒂𝒍𝒔𝒆𝒍𝒚 𝒓𝒆𝒑𝒓𝒆𝒔𝒆𝒏𝒕𝒆𝒅 𝒕𝒉𝒂𝒕 𝒕𝒉𝒆 𝒇𝒂𝒌𝒆 𝒗𝒆𝒏𝒅𝒐𝒓𝒔 𝒉𝒂𝒅 𝒑𝒓𝒐𝒗𝒊𝒅𝒆𝒅 𝒈𝒐𝒐𝒅𝒔 𝒂𝒏𝒅 𝒔𝒆𝒓𝒗𝒊𝒄𝒆𝒔 𝒕𝒐 𝑨𝒎𝒂𝒛𝒐𝒏. 𝑻𝒉𝒆 𝒑𝒂𝒚𝒎𝒆𝒏𝒕𝒔 𝒇𝒐𝒓 𝒕𝒉𝒆𝒔𝒆 𝒊𝒏𝒗𝒐𝒊𝒄𝒆𝒔, 𝒕𝒚𝒑𝒊𝒄𝒂𝒍𝒍𝒚 𝒂𝒑𝒑𝒓𝒐𝒗𝒆𝒅 𝒃𝒚 𝑾𝒐𝒓𝒕𝒉𝒂𝒎, 𝒘𝒆𝒏𝒕 𝒕𝒐 𝒃𝒂𝒏𝒌 𝒂𝒄𝒄𝒐𝒖𝒏𝒕𝒔 𝒄𝒐𝒏𝒕𝒓𝒐𝒍𝒍𝒆𝒅 𝒃𝒚 𝑾𝒐𝒓𝒕𝒉𝒂𝒎 𝒂𝒏𝒅 𝒉𝒆𝒓 𝒄𝒐-𝒄𝒐𝒏𝒔𝒑𝒊𝒓𝒂𝒕𝒐𝒓𝒔.

Even a well establish organization like Amazon also could be fraud millions by their employees, it could also happen to any organizations & SMEs.

In my career journey, I have come across a real case scenario where my client’s most trusted staff stolen their cash in safety box amounting to RM50,000 during our national day 31/8/2022. This fraud is due to that staff is in very bad financial situation that cost him to make the decision to steal company’s money to help himself go through the difficulty. However, no matter what’s the reason behind the action, this is still something that show no integrity.

𝐖𝐇𝐀𝐓 𝐈𝐅, 𝐭𝐡𝐞𝐬𝐞 𝐬𝐜𝐞𝐧𝐚𝐫𝐢𝐨𝐬 𝐡𝐚𝐩𝐩𝐞𝐧𝐬 𝐭𝐨 𝐲𝐨𝐮𝐫 𝐜𝐨𝐦𝐩𝐚𝐧𝐲?

I would urge all organization no matter you are a big or small, we should take this potential risk into consideration and implement adequate action plan to manage the risk. This will help protect your company from serious financial losses.

I’m Calvvinz, your risk management specialist, thank you for reading.

01/02/2023

Something you don't know‼️

Can you imagine that you can use insurance to boost up your product ?

Can you imagine that you can use insurance to boost client rates?

Can you imagine that you can use insurance to 3X your business ?

Can you imagine that you can use insurance to boost talent rates?

Can you imagine that you can use insurance to protec benefits?

Can you imagine❓

17/01/2023

Claim paid: RM4,298.00
Incident: iPhone 12 Pro Max broken

It was a nice morning,
where my friend go out by motorcycle as usual.
It is not a good day,
that he involve in road accident.

These are what we do for him regarding claims
✅ Motorcycle covered by insurance
✅ People covered with medical insurance
✅ Smartphone covered with insurance too

This case as reference,
When motorcycle accidents happens
Beside injury, smartphone are the next fragile items that tends to be damaged which is costly as well.

I wish to helps the following group of people

Could you help me to help them?

15/01/2023

Success is...
Knowing your purpose in life,
Growing to reach your maximum potential, and
Sowing seeds that benefit others.

11/01/2023

Everyone need a
For different needs and abilities

You may have a
1. Fitness Coach
2. Mindset Coach
3. Sports Coach
4. Business Coach
5. and more..............

is an important coach that everyone shld have!
However, always being omitted by many......

Many are under stress
due to financially mismanaged
due to lack of financial goals
due to lack of proper financial action plans
due to lack of financial management skills
due to unaligned family financial mentality

Getting the right Financial Wellness Coach will able to help you
- address the stress
- rediscover your potential
- provide the guidance to your family financial success 🔥🔥🔥

03/01/2023

Could you imagine 𝟔𝟐.𝟒% of insurance industry payout is for 𝐜𝐚𝐧𝐜𝐞𝐫

Could imagine that 𝟏 𝐨𝐮𝐭 𝐨𝐟 𝟓 𝐩𝐞𝐨𝐩𝐥𝐞 develop cancer before the age of 75?

Could you imagine 𝐡𝐨𝐰 𝐦𝐮𝐜𝐡 𝐦𝐨𝐧𝐞𝐲 𝐲𝐨𝐮 𝐧𝐞𝐞𝐝 for supplements & healthcare supports to recover from cancer?

Imagine that having 𝐑𝐌𝟐𝟓𝟎,𝟎𝟎𝟎 as financial aid to recover from cancer, isn't that helpful?

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𝐖𝐞 𝐎𝐍𝐋𝐘 𝐨𝐩𝐞𝐧 𝐭𝐡𝐢𝐬 𝐟𝐨𝐫 𝐡𝐞𝐚𝐥𝐭𝐡𝐲 𝐩𝐞𝐫𝐬𝐨𝐧 𝐰𝐡𝐨 𝐡𝐚𝐯𝐞 𝐜𝐚𝐧𝐜𝐞𝐫 𝐡𝐢𝐬𝐭𝐨𝐫𝐲 𝐢𝐧 𝐭𝐡𝐞 𝐟𝐚𝐦𝐢𝐥𝐲.
--------------------------------------------------------------------------

We provides financial security upon cancer:
✅ Up to 𝐑𝐌𝟐𝟓𝟎,𝟎𝟎𝟎 lump sum cash payout
✅ 𝟑𝟎% payout for early stage cancer
✅ 𝐈𝐧𝐜𝐨𝐦𝐞 𝐭𝐚𝐱 𝐫𝐞𝐥𝐢𝐞𝐟 applicable

Estimate premium for male age 35 will be as low as 𝐑𝐌𝟏 𝐚 𝐝𝐚𝐲 while female 𝐑𝐌𝟐 𝐚 𝐝𝐚𝐲 ONLY.

𝐎𝐧𝐥𝐲 𝐨𝐟𝐟𝐞𝐫 𝐭𝐨 𝐟𝐢𝐫𝐬𝐭 𝟓𝟎 𝐟𝐚𝐦𝐢𝐥𝐲.

𝐓𝐚𝐤𝐞 𝐚𝐜𝐭𝐢𝐨𝐧 𝐧𝐨𝐰!
𝐓𝐚𝐤𝐞 𝐚𝐜𝐭𝐢𝐨𝐧 𝐧𝐨𝐰!
𝐓𝐚𝐤𝐞 𝐚𝐜𝐭𝐢𝐨𝐧 𝐧𝐨𝐰!

21/12/2022

𝐖𝐞𝐞𝐤𝐥𝐲 𝐊𝐧𝐨𝐰𝐥𝐞𝐝𝐠𝐞 𝐒𝐡𝐚𝐫𝐢𝐧𝐠 #𝟐

What if you have paid more than RM10,000 for your travel expenses and unable to fulfil the trip due to: 𝐝𝐞𝐚𝐭𝐡 𝐨𝐫 𝐬𝐞𝐫𝐢𝐨𝐮𝐬 𝐢𝐥𝐥𝐧𝐞𝐬𝐬 𝐨𝐟 𝐢𝐧𝐝𝐢𝐯𝐢𝐝𝐮𝐚𝐥 𝐨𝐫 𝐟𝐚𝐦𝐢𝐥𝐲?

How to recover the monetary losses?

It is wise to have a travel insurance policy that cover 𝐓𝐫𝐚𝐯𝐞𝐥 𝐂𝐚𝐧𝐜𝐞𝐥𝐥𝐚𝐭𝐢𝐨𝐧 𝐚𝐧𝐝 𝐂𝐮𝐫𝐭𝐚𝐢𝐥𝐦𝐞𝐧𝐭 which will help reimburse your nonrefundable expenses for your trip.

This week, we just successfully claimed 𝐑𝐌𝟏𝟔,𝟒𝟒𝟓 for one my client that didn't perform the trip due to falling ill.

15/12/2022

𝐖𝐞𝐞𝐤𝐥𝐲 𝐒𝐭𝐚𝐭𝐢𝐬𝐭𝐢𝐜 𝐒𝐡𝐚𝐫𝐢𝐧𝐠 #𝟎𝟎𝟏

𝟔𝟐.𝟒% of Critical Illness payout by Great Eastern in Q3 2022 alone
contributed to

Average population invested more than RM3,000 yearly premium
yet only have less than RM100,000 coverage on 36 critical illness.
(𝐈𝐭 𝐢𝐬 𝐡𝐢𝐠𝐡 𝐩𝐫𝐞𝐦𝐢𝐮𝐦 𝐰𝐢𝐭𝐡 𝐢𝐧𝐬𝐮𝐟𝐟𝐢𝐜𝐢𝐞𝐧𝐭 𝐜𝐨𝐯𝐞𝐫𝐚𝐠𝐞)

Hence it is important to review your risk planning:
1. How to maximize 𝐂𝐀𝐍𝐂𝐄𝐑 coverage with competitive premium?
2. How to balance up both 𝐌𝐞𝐝𝐢𝐜𝐚𝐥 & 𝐋𝐢𝐯𝐢𝐧𝐠 𝐀𝐬𝐬𝐮𝐫𝐚𝐧𝐜𝐞 coverage?

Let's comments below:
1. What's this statistic meant for you?
2. How you going to plan your risk management?

05/08/2022

[Dash-Cam] is important item to have!

It will help to proof who's wrong who's right

Don't worry even it involve motorcyclist
You are protected!
Your NCD protected!

However, if the motorcyclist was injured
Even they are at wrong sides..
They can claim car insurance for body injury
Hence our NCD will be affected

03/08/2022

【飞机失事坠怡保住宅区】

飞机意外比公路意外发生的机率更低，
但不代表不可能发生。

这次飞机坠落在住宅区里，
庆幸的是并没有直接撞击住宅或
造成公众的伤亡。

但是如果真的坠落在【房子】
并造成房子损坏的话，
大家知不知道您可以向自己的
【房屋保险】索赔吗？

一直以来，公众普遍认为【火险】就只是
保障火灾，别无他用。
但实际上【火险】中也有条文可以赔偿
【飞行物坠落后造成的房屋损失】
飞行物除了指飞机，直升机等，
也涵盖【摄影无人机】
这也是火险涵盖的 #9大事故之一

希望借用此事件让大家学会一个很少人知道的知识。

也愿大家为空难事故中的受难者祈祷

感恩

Address

1-21-1, Suntech @ Penang Cybercity, Lintang Mayang Pasir 3
George Town
11950

Opening Hours

Monday	09:00 - 18:00
Tuesday	09:00 - 18:00
Wednesday	09:00 - 18:00
Thursday	09:00 - 18:00
Friday	09:00 - 18:00
Saturday	09:00 - 18:00
Sunday	09:00 - 18:00

Telephone

+601110786876

Website

https://calvvinztan.me/

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