Holistic Life Planning

05/06/2025

Are you concerned about whether your wealth will make it to your grandchildren? Discover key insights on how to ensure your family's financial legacy lasts. Read more here: https://wix.to/6SdbJ9z

Read this article:https://www.marketwatch.com/story/why-wealth-rarely-survives-grandchildren-and-how-your-family-can-beat-the-odds-0ec8cb9dOne of the main reason amongst others why wealth does not last to third generation is once the children or grand children have access to the lump sum or assets,....

21/02/2025

NO insurance?? Then this may sound cruel but by not insuring with an insurer means YOU are undertaking the RISK yourself or self insured. What about human life? Isn't human life worth more? LIFE insurance is even MORE IMPORTANT because human asset can rebuild. Let's chat about your personal and company risks...

https://malaysia.news.yahoo.com/m-completely-destroyed-deepak-reels-074147403.html?soc_src=social-sh&soc_trk=fb&tsrc=fb

20/02/2025

Although cases of lung cancer among non smokers were already in existence, the last few years RISE in such cases along with other forms of cancer, cardiac arrest, AND stroke POST COVID, especially among young adults aged 30+ is something one cannot dismiss as not linked. In this article one possible cause is air pollution. During the Covid period people were forced to wear masks. Well the surgical type of masks which is the most common type used is made from thermo plastic polymers. Which means you literally breathe micro plastics into your lungs!! And isn't this is a link to the rise in non smokers lung cancer? The masks also contain traces of formaldehyde, a chemical used to preserve dead bodies which is both toxic and carcinogenic Many of us already exposed so besides looking for ways to minimize the possibility of contracting this disease, wouldn't it be wise to take up sufficient CRITICAL ILLNESS insurance to cover ourselves and families? Let's chat. Just message

Research shows need for further studies into air pollution and other causal factors, expert says

15/02/2025

In the Bradford Hill Criteria report on the causality of the covid vaccine, the Schmeling report from Denmark and affirmed by Dr Peter McCullough, cardiologist, on the side effects of the MRNA type vaccine in 2024, 30% of those who took the MRNA vaccine will have no effect whatsoever, 70% will experience a range of PROBLEMS ranging from very mild to death or sudden death. These are based on actual data, NOT theory. The most common side effects still happening till this day are:
1) Cardiac arrest leading to sudden death 2) Stroke 3) Cancers and turbo cancers
And the alarming part is that many victims come from the younger age group like in their 30s or so who were the recipients of the MRNA type vaccines.
My message as a Financial Advisor is to seriously look at your own or your children’s Life insurance Medical Insurance and Critical Illness insurance cover. The risk is 70% which is very HIGH. If you already have a trusted advisor please do make an appointment for them to review and revisit your needs. If not, do pm me. I would be happy to do a FREE review for you. The recent increase in medical insurance costs was directly due to the high claims resulting from the pandemic.

10/02/2025

WHAT?? 100% investment in Insurance? An extreme plan but nonetheless here are my reasons why a HIGHER insurance plan should be applied for mid wealthy individuals with net worth of anything from RM5million to RM50million or more. This is especially for those who want to have a legacy plan for distribution to their loved ones but are unable to set up a family office ( usually minimum amount starting from RM30million) because they do not meet the criteria OR do not want high costs associated with a family office. If you are in this category and would like to find out how to do this using insurance, let's chat. Message me.

09/02/2025

When we start off in the investment journey, our expectations are that they will grow upwards to a comfortable level so that we can have a good retirement, we can pass on our assets to our next generation, etc as shown by the GREEN arrow in the diagram. As we recently saw with the introduction of Deep Seek how fast our investment can drop in just one day, we need a PROTECTION plan for our investments. I will also call this ASSET EQUALISATION. If your assets or investments are meant for the provision of your family do take up an asset equalisation plan. Let's say you currently have RM1million in investments or your own business. In 5 or 10 years time you expect it to have grown to at least RM5million.
BUT at the time of a TRIGGERING event, that is death or disability or critical illness, you need to liquidate the investments. The ACTUAL MARKET situation at that time may see your investment at either 1) Rm5mil or more, 2) RM1mil 3) LESS than RM1million. This is the possible GAP to be closed using Insurance, in other words you are effectively transferring this risk. Let's have a chat at NO cost to you and see how I can help YOU develop an Asset Equalisation OR Investment Protection plan. Just message

06/02/2025

Just in Malaysia alone, a staggering RM1.8billion lost through investment scams since 2021. Two take aways from this. Why is this happening? What can be done to PREVENT it?
WHY? Reasons include GREED, NOT investment SAVVY, did not seek professional advice either because want to save pennies or just pure greed without thinking, ETC, ETC
WHAT can be done?? Obviously the people who lost the money are NOT investment savvy. So the solution is to have a professional financial advisor. The fees if any are probably in just hundreds depending on the level of detail required. In the most complex advisory situation probably may go up to RM2,500 or max RM3,500 which is better than losing millions.
For a limited time I will offer a FREE simple risk assessment to determine whether an investment scheme is potentially a scam or not. Just MESSAGE. Usually I can tell quite accurately by the third question I ask.

29/07/2023

Good luck or hard luck as you watch this video? Whatever it is never leave things entirely to "Luck". Do a RISK ASSESSMENT of your life/business and plan and then take action accordingly. Need help? pm