Your money deserves a plan — not a sales pitch.
Takaful and unit trust guidance in plain language. We start with what weighs on you, explain first, and only then talk about products.
Free 30 minutes. No obligation. No hard sell.
Pick whatever weighs on your mind. We start there.
Not sure which product you need? Most people aren't. That's normal — that's why we explain first.
Family & Life Takaful
Life cover sized to your real needs — not an upsell.
Children's Education
Build your child's future fund while protecting the family.
Medical Card
Covers rising hospital bills so savings stay intact.
Unit Trust
Investment guidance under FIMM-licensed advice.
Financial Planning
Consultation → Proposal → Implementation → Review.
Free Policy Review
Already covered? We check if the same protection costs less.
Licensed channels. Regulated frameworks. Plain language.
Your takaful is arranged through Prudential BSN Takaful Berhad (PruBSN), under the BNM regulatory framework (Islamic Financial Services Act 2013), with consultants registered through the Malaysian Takaful Association. Your unit trust investments run under Philip Mutual Berhad — a licensed unit trust management company, with consultants registered under the Federation of Investment Managers Malaysia (FIMM) and the oversight of the Securities Commission Malaysia.
- ✓Takaful via PruBSN — BNM (IFSA 2013) regulated, MTA-registered consultant
- ✓Unit trust via Philip Mutual — FIMM-registered consultant under SC oversight
- ✓Commission-transparent — you know what's what
- ✓Plain language, no jargon, no hard sell
Simple, step by step
Consultation
Free 30 minutes. We listen, we ask, we understand where you are.
Proposal
A clear written plan with options — and what each one costs.
Implementation
We set it up with you, explain every document before you sign.
Annual Review
Life changes. We review your plan every year and adjust.
Pick whatever weighs on your mind. We start there.
Is this halal?
Yes — takaful is Shariah-compliant by design. We explain how it works before anything else.
Are you licensed?
Yes. Takaful consulting is registered through the Malaysian Takaful Association (MTA), under BNM's regulatory framework (Islamic Financial Services Act 2013). Unit trust consulting is registered under FIMM, with the oversight of the Securities Commission Malaysia. Regulated advice is clearly labelled, and compliance disclaimers always apply.
How much does it cost?
The first 30-minute consultation is free. Planning fees are discussed openly in the proposal — no hidden charges.
Which companies do you work with?
Takaful via Prudential BSN Takaful Berhad (PruBSN) under BNM's IFSA 2013 framework; unit trust via Philip Mutual Berhad under FIMM and SC oversight. We work within these regulated channels and explain every option in plain language.
Let's have an honest conversation about your money.
Book a free 30-minute call. Tell us what's on your mind — we'll give you an honest answer, even if the right move isn't with us.
Financial Health Checklist
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