Jawahir Zul Kepli

18/04/2025

03/02/2025

Estate planning :
- siapa?
- apa/berapa?
- bila

31/01/2025

Rasa buntu atau stress setiap kali fikir pasal duit / budget?

Perlukan bantuan dari Licensed Financial Planner?

Reach out to me or any Licensed Financial Planner

30/01/2025

Fact Finding is part of Financial Planning.

Masa ini, kita akan go through cash flow, aset dan liabiliti.

Biasanya dari sesi ni, client akan sedar bahawa mereka rupanya banyak harta atau banyak hutang. Selama ini, hanya agak-agak sahaja berapa harta dan hutang yang ada. Sekarang, nampak terus berapa jumlah sebenarnya.

Kesedaran ini sangat penting sebelum kita boleh meneruskan langkah selanjutnya.

Kalau tahu kita kat mana, pastu baru decide nak ke mana, baru kita boleh kira berapa jarak perjalanannya.

Sahabat-sahabat yang lain sekarang ada kat mana?

27/01/2025

𝗦𝗲𝗯𝗲𝗹𝘂𝗺 𝗺𝗲𝗻𝗱𝗮𝗽𝗮𝘁 𝗸𝗵𝗶𝗱𝗺𝗮𝘁 𝗟𝗶𝗰𝗲𝗻𝘀𝗲𝗱 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗣𝗹𝗮𝗻𝗻𝗲𝗿 😓
- Gaji: RM16,000+
- Simpanan: ~ RM0
- Aliran Tunai: Negatif (Perbelanjaan > Pendapatan)

Alhamdulillah, dengan Izin Allah:
𝗦𝗲𝗹𝗲𝗽𝗮𝘀 𝟮 𝘁𝗮𝗵𝘂𝗻 🌟
- Gaji: RM16,000+
- Simpanan: RM160,000+
- Aliran Tunai: Positif (Pendapatan > Perbelanjaan)

𝗝𝗶𝗸𝗮 𝗗𝘂𝗶𝘁 𝗧𝗮𝗸 𝗖𝘂𝗸𝘂𝗽:
Tidak semestinya kena tambah pendapatan.
Periksa dahulu perbelanjaan dan perbaiki aliran tunai.

Perlu bantuan untuk improve cash flow? Jom saya bantu 📈💼

25/01/2025

𝗠𝗮𝘅𝗶𝗺𝗶𝘇𝗲 𝗬𝗼𝘂𝗿 𝗖𝗮𝘀𝗵 𝗙𝗹𝗼𝘄, 𝗧𝗿𝗮𝗻𝘀𝗳𝗼𝗿𝗺 𝗬𝗼𝘂𝗿 𝗙𝘂𝘁𝘂𝗿𝗲 💸✨

Cash flow is the magic balance between your income and your expenses. When you master this difference, you unlock incredible financial potential.

As a Licensed Financial Planner, my top mission with every client is to optimize their cash flow first. Once we get that right, everything else will eventually falls perfectly into place.

Let's harness the power of your cash flow and set the stage for financial success!

24/01/2025

𝗜𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝗰𝗲 𝗼𝗳 𝗮 𝗖𝘂𝘀𝘁𝗼𝗺𝗶𝘇𝗲𝗱 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗥𝗲𝗽𝗼𝗿𝘁 𝗳𝗼𝗿 𝗖𝗹𝗶𝗲𝗻𝘁𝘀

Ever wondered what magic Licensed Financial Planners work behind the scenes? Here's a sneak peek into the comprehensive report we provide, tailored just for you!

1. 𝗠𝗼𝗻𝘁𝗵𝗹𝘆 𝗖𝗮𝘀𝗵 𝗙𝗹𝗼𝘄 𝗦𝘂𝗺𝗺𝗮𝗿𝘆 💵
- Understanding Your Financial Position : Get a clear picture of your current financial status with detailed monthly and yearly cash flow summaries. Know exactly where your money is going and how it's coming in!

2. 𝗡𝗲𝘁 𝗪𝗼𝗿𝘁𝗵 𝗦𝘂𝗺𝗺𝗮𝗿𝘆 💰
- Track Your Wealth : We break down your net worth, showing you how your assets stack up against your liabilities. See your financial health at a glance!

3. 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗥𝗮𝘁𝗶𝗼𝘀 📈
- Benchmark Analysis : Compare your financial ratios against industry benchmarks. Understand how your finances measure up and where there's room for improvement.

4. 𝗧𝗮𝗶𝗹𝗼𝗿𝗲𝗱 𝗦𝗼𝗹𝘂𝘁𝗶𝗼𝗻𝘀 🛠️
- Expert Recommendations : Based on our analysis, we provide the best financial solutions to help you achieve your goals. From investment strategies to debt management, we've got you covered!

Transform your financial future with a detailed, insightful report from our Licensed Financial Planner. Ready to take control of your finances?

22/01/2025

𝗛𝗼𝘄 𝗗𝗼𝗲𝘀 𝗮 𝗟𝗶𝗰𝗲𝗻𝘀𝗲𝗱 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗣𝗹𝗮𝗻𝗻𝗲𝗿 𝗛𝗲𝗹𝗽 𝘄𝗶𝘁𝗵 𝗪𝗲𝗮𝗹𝘁𝗵 𝗧𝗿𝗮𝗻𝘀𝗳𝗲𝗿?

Wealth transfer is all about ensuring your hard-earned properties and assets reach your loved ones smoothly and efficiently. 💼✨

So, how does a licensed financial planner step in to make this happen? Here's how:

1. 𝗘𝘅𝗽𝗲𝗿𝘁 𝗚𝘂𝗶𝗱𝗮𝗻𝗰𝗲 𝗼𝗻 𝗗𝗶𝘀𝘁𝗿𝗶𝗯𝘂𝘁𝗶𝗼𝗻 : Financial planners help you strategize the best way to distribute your wealth, ensuring your wishes are honored and your loved ones are well taken care of.

2. 𝗔𝘄𝗮𝗿𝗲𝗻𝗲𝘀𝘀 𝗼𝗳 𝗘𝘀𝘁𝗮𝘁𝗲 𝗔𝗱𝗺𝗶𝗻𝗶𝘀𝘁𝗿𝗮𝘁𝗶𝗼𝗻 𝗖𝗼𝘀𝘁𝘀 : Many people aren't aware of the costs involved in estate administration. We make sure our clients are fully informed and prepared, so there are no surprises down the road.

3. 𝗧𝗮𝗶𝗹𝗼𝗿𝗲𝗱 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴 : Every family is unique, and so are their needs. We offer personalized planning to ensure that your wealth transfer is as smooth and efficient as possible.

📞 Ready to get started? Let's make sure your loved ones are protected and your legacy is secure. Contact us today!

20/01/2025

Partnering with a licensed financial planner is a smart move that can save you more than 1% of your potential financial setbacks.

Why risk losing big when you can gain expert guidance for a fraction of the cost?" 💼💡

JOHOR BAHRU — An elderly woman suffered a loss of RM460,888 after falling victim to a Bitcoin investment scheme that promised lucrative returns. Seri Alam District police chief, ACP Mohd Sohaimi Ishak, said the woman, a 61-year-old accountant, lodged a report yesterday claiming she was defrauded b...

19/01/2025

𝗛𝗼𝘄 𝗗𝗼𝗲𝘀 𝗮 𝗟𝗶𝗰𝗲𝗻𝘀𝗲𝗱 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗣𝗹𝗮𝗻𝗻𝗲𝗿 𝗛𝗲𝗹𝗽 𝘄𝗶𝘁𝗵 𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴?

A Licensed Financial Planner is like a financial superhero, guiding clients towards their dreams while securing their future. Here's how we help:

1. 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴 🌅
- Ensure clients have a sufficient retirement fund, allowing them to retire independently without relying on others. Enjoy the golden years with financial security!

2. 𝗘𝗱𝘂𝗰𝗮𝘁𝗶𝗼𝗻 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴 🎓
- Secure your child's future with a well-planned education fund, minimizing the need for study loans. Give your children the best start in life!

3. 𝗖𝗼𝗺𝗽𝗿𝗲𝗵𝗲𝗻𝘀𝗶𝘃𝗲 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴 🏠
- From 𝗰𝗮𝘀𝗵 𝗿𝗲𝘀𝗲𝗿𝘃𝗲𝘀/emergency funds to planning for 𝗛𝗮𝗷𝗷, 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁𝘀, and even 𝘄𝗲𝗱𝗱𝗶𝗻𝗴𝘀 𝗳𝗼𝗿 𝘆𝗼𝘂𝗿 𝗰𝗵𝗶𝗹𝗱𝗿𝗲𝗻, they cover it all to ensure you're prepared for life's milestones.

4. 𝗨𝗻𝗶𝘁 𝗧𝗿𝘂𝘀𝘁 𝗠𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁 𝗖𝗼𝗺𝗽𝗮𝗻𝘆 𝗥𝗲𝘃𝗶𝗲𝘄 📈
- Evaluate and review unit trust management companies to ensure your investments are managed effectively and yield the best returns.

Ready to plan your future with confidence? Let's connect and build a financial strategy tailored just for you! 📞💼

Feel free to share this post and help others understand the value of having a licensed financial planner in their corner! 😊