Idham Idris CFP RFP ShRFP
@jayen
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Co-Founder of Wealth Vantage Advisory, a financial planning & advisory firm @wealthvantagemy . Tap below for Financial Planning Consultation
Kuala Lumpur, Malaysia
Joined November 2007
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Spending my Sunday afternoon digging into the latest RinggitPlus Malaysian Financial Literacy Survey, and a few things stood out for me—specifically on high-income earners and women.
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Maybe I should share some EPF retirees horror stories on how they can exhaust their whole retirement savings in less than 5 years. ☕️
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Storytime!
Friday Night Horror (Kisah Seram Jumaat Malam)
She lost RM480,000 in 1 year.
This is a true story, but names have been changed to protect the innocent.
I met Puan Khaty thru one of my clients. She is divorced with 2 children, age 16 and 24 and just retired.
/🧵
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T1 minimum income is RM37,853.
T10 minimum income is RM15,300.
Both is household income.
T20 gap is massive.
Credit (data) :
@_joni_joni_joni
Credit (chart):
@Thevesh
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I'm a licensed financial planner. My second meeting with this client will start by asking the following questions:
1. You accumulated 40k in CC debts and mentioned bad spending habits. What are they?
2. What are your current expenses?
(cont)
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@ImanAbdulRahim
I recently assisted my client with his son.
A-Levels at KTJ (full boarding) - RM 110,000
UK University Fees - RM 150,000 per year x4
Cost of Living & Accomodation - RM 75,000 per year x4
Flight ticket return - RM 4,000 per year x4
RM 110k + RM600k + RM300k + RM16k = RM 1.026m
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What's the lesson from this tale?
1. Invest into regulated and licensed schemes.
2. Seek professionals for advice.
3. Don't simply dump all your money into one thing. Diversify across sectors and regions.
4. Don't be greedy. Sometimes its too good to be true.
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Financial planning is not just choosing the right investments. It’s about managing expenses, debts, and saving cash for long term goals. Many high income earners think they can out-earn their financial problems, but all they do is make more financial mistakes.
Betul lah orang kata. Gaji besar macam mana pun kalau tak reti buat financial planning, memang takkan rasa cukup.
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Antara ego dan logik. Patut kita berhenti fikir apa orang lain fikir pasal kita atau patut kita tak perlu sibuk hal orang lain?
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Storytime!
Friday Night Horror Pt 2 (Kisah Seram Jumaat Malam Bhgn 2)
He spent RM400,000 in 2 years.
This is a true story, but names have been changed to protect the innocent.
It's a story about En Rahmat, told to me by one of his retiree friend. /🧵
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Genneva Gold.
She worked all her life to save RM650,000. 30 years of blood, sweat and tears. And luckily, she didn't use all of it to invest into the scheme.
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Last 2 weeks of the year: make sure you're all topped up for PRS (RM3k), insurance premiums for medical (RM3k), and SSPN account for your child (RM8k) to maximise your tax relief.
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Isu kos pendidikan universiti anak-anak - kalau anak2 kita bijak dan dapat result hebat semasa SPM & impikan belajar di oversea, bagaimana kita sebagai parents boleh tolong anak kita capai impian mereka?
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Some quick maths for Friday evening.
At 5% annual dividend rate, RM6000 will grow to become:
RM 9,773 in 10 years
RM 15,919 in 20 years
RM 25,931 in 30 years
RM 33,096 in 35 years
Kemudahan pengeluaran simpanan
@KWSPMalaysia
daripada Akaun 1 secara bersasar sebanyak RM500 sebulan - Menteri Kewangan, Tengku Datuk Seri
@tzafrul_aziz
#MalaysiaBangkit
#Belanjawan2021
#HapusCOVID19
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Freeze lifestyle. Bukannya downgrade. Then every year income makin naik, takde financial pressure. Downgrade only bila ada situasi yg memerlukan.
Downgrade lifestyle ni mmg susah ye. Dah biasa duduk condo, tiba tiba nak duduk apartment.
Dah biasa naik kereta, tiba tiba nak naik motor or public transport.
Dah biasa makan cafe hipster, tiba tiba nak makan nasi campur.
Ketiga tiga ni boleh dikatakan major expenses tiap
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Depends on how much you make and your monthly loan payments for the car. I strongly advise to get a car based on your daily usage. If it's just to get to work and back, any cheap and safe car will do. Save the rest of your money for emergency funds, investments and other needs.
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My heart sank. Unit trusts potentially target returns between 5%-8% per year. I don't know anything that can give 2% monthly.
"What is the scheme called Pn.?"
"It's a very good plan! Even Dr M says its good. The company is called Genneva Gold."
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If you're retiring soon and looking for professional advice, I provide professional financial planning and financial advisory service. You can see me for initial 1-to-1 consultation at
/end 🧵
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The truth about retirement planning - it's more than just about money. Retirement is a reality we must prepare for beyond financial aspects. Say goodbye to job perks, meaningful work, mentoring opportunities, and social functions. Welcome to the free flow of 24 hours time.
Disclaimer: Former sponsored content. This piece was rejected by a client for sensitivity reasons but we have decided to publish it anyway.
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First story posted! Friday Night Horror aka Kisah Seram Jumaat Malam. Please share and RT to your friends!
Storytime!
Friday Night Horror (Kisah Seram Jumaat Malam)
She lost RM480,000 in 1 year.
This is a true story, but names have been changed to protect the innocent.
I met Puan Khaty thru one of my clients. She is divorced with 2 children, age 16 and 24 and just retired.
/🧵
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@rinmansor
Nasi Lemak Ishak Seksyen 4 Bandar Baru Bangi. Not KL, but worth the trip because its so good!
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Storytime!
Friday Night Horror Pt 3 (Kisah Seram Jumaat Malam Bhgn 3)
He did something unexpected with his retirement fund.
This is a true story, but names have been changed to protect the innocent.
It's a story about En Radin, a high powered senior manager with 4 sons.
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We have many financial goals - like retirement, children education, dream property and investments, etc but limited financial resources. The question is how do you plan and go about achieving those goals with the resources that you have.
After thinking about it, I think I am willing to sacrifice dream car and dream house in order to have fully-funded retirement account and annual travel. Must be realistic and can't have it all
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A good budgeting model would be 35% of your gross income is for your loan repayments. So that's car + house + personal loans + credit card debts. If you are paying RM3k monthly for a house, how is the rest of the loan repayments look like? Say total RM 6k total for all, divide
Q: What house can I afford?
Like this lah. For every RM300k, expect to pay ~RM1.5k in mortgage
So RM600k house = ~RM3K monthly, RM900k house = ~RM4.5k monthly, and so on
Actual amount depends on the rate you got, financing amount, taxes, sinking fund etc etc but around there
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So what did I learn from the story?
1. Retirement fund is for retirement only. Not for business, new car, new house, renovation, children's wedding.
2. Save for all these financial goals while you're still working & earning money.
3. Learn how to do business (& mistakes) early.
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Exactly. Many treat EPF as their 'reward' for working for so long, and that's why they exhaust it so quickly. It's easy to blow thru RM1-RM2mil in less than 5-10 years. And retirement years can be longer than your working years.
@surayaror
Without financial education, whether lump sum or stages, money will be gone as well
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As a financial planner, this is how we approach this problem:
1. What’s the purpose of the investment?
2. Why was the funds chosen?
3. Does it align with your risk profile?
4. Why redeem and put back in EPF?
5. Why maintain and not redeem?
6. What’s the long term prospect?
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After 2 weeks I called her to set a meeting.
"Eh, tak payah lah datang, I dah invest. Really good investment!"
She said she invested in a gold scheme. And this scheme gives 2% returns. Monthly.
"How much did you invest Pn.?"
"RM 480,000. I can get about RM8-9k a month".
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Kes parent guna status kewangan anak:
1. Ayah beli motor guna loan nama anak. Motor ayah yg ride. Anak tambah hutang dalam CCRIS.
2. Ambil ASB financing anak yang dewasa. Dividen parent yg ambil. Anak tak boleh saving duit sendiri.
3. Beli rumah pakai nama anak. Apa2 jadi,
Saya pernah tengok parent lepaskan tengkuk dengan transfer hutang2 kepada anak2.
1) Rumah bernilai RM 400,000
Parent jual rumah secara paksa kepada anak. Sekarang anak terpaksa ubah cara hidup.
2) Rumah bernilai RM 600,000
Parent suruh anak jadi guarantor untuk refinance
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So why they exhaust the savings?
1. Lack of financial education to manage retirement withdrawals
2. Invest into get rich quick schemes and scams
3. Get into business while never have ran a business before
4. New house, renovations, car, weddings, travel, haji
Education is key.
Note: the above claim.seems to be referenced from 2007 news source, my bad. A more recent stat would be- HALF of retirees exhausted savings within 5 years of retirement
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7. What has to change so that you will achieve those financial goals?
8. What do you want to achieve first?
Only then, can I suggest what to do first. A licensed financial planner is not there to just give a solution or advise you until we are clear on what YOU want.
(end)
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As a financial planner, its interesting to see how after going thru auditing their cashflow, assets and liabilities, some clients made the decision to find a job with higher income. Sometimes it takes a certain level of awareness to change.
So glad that now, the conversation has shifted from 'it's your fault for not being able to save money, you're just not trying hard enough' to 'these are the systemic issues preventing you from surviving'. Effing FINALLY
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This is just an analogy: Financial planner is a specialist doctor. You meet a specialist doctor for consultation. You pay their consultation fees. They may or may not prescribe medicine. The medicine you can also get from the hospital or a pharmacy.
Hopefully korang dapat la bezakan antara Financial Planner dengan marketing agent ni. Job scope tak sama, satu untuk memberikan unbiased advice, satu lagi adalah untuk jual produk.
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Will robo advisors replace human financial planners?
My take on this topic is a straight No.
This is a thread.
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"I have RM650,000, from my retirement fund. Is there any investment that can give me about RM 8,000 a month?"
I smiled nervously.
"Pn, that means the investment needs to give about 15% returns a year. I can't guarantee or promise you this product can give you that", I said.
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@ImanAbdulRahim
This is for undergraduate degree for 1 person. For Masters and PhD, because of family members, cost of living and accomodation is easily RM 15k per month. For 3 years, that would be RM 540k on cost of living and accomodation only.
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@MaisarahMahmud
Education fund universiti ke? Nak hantar uni awam local ke, private local ke, atau overseas? Kalau overseas, negara apa? Nak bajet utk course apa? Baru boleh kira berapa perlu simpan dan kat mana tempat yang sesuai.
Also, why is it important for you to do this?
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This is called the sandwich generation or phenomenon. You have kids and other commitments to take care of, and at the same time have to contribute financially to your parents, at a time where the cost of living is high and wages are low.
In my opinion anak is not for your retirement plan.
Imagine they have to struggle with low income, student debt and you want add some more burden to them. Tapi kalau anak tu voluntarily nak bantu parents tidak ada masalah, but never force them to do so.
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I was a unit trust consultant at the time, promoting investments in unit trust. Belum lagi upgrade jadi licensed financial planner.
She wanted to know how she can make her retirement fund give her passive income.
"Pn. nak income berapa sebulan?", I asked.
"RM 8,000", she said.
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@surayaror
Our Boh Tea is more legit then - at least they have their own plantation and industry from way back then.
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KWSP allows multiple withdrawal after age 55 - monthly, partially, dividend only, etc. but its optional. This proposal makes it mandatory for new contributors only. I agree many don't manage their EPF savings well after retirement, mainly because they lack financial education.
If this passes, you won't get your epf money in full (lump sum) after retire. You'll get in intervals instead
Your thoughts? Before you get mad, consider: most ppl DEPLETE their EPF savings within 3 years after withdrawal at age 55 due to scams, opportunists, bad decisions etc
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Graph shows KL has the highest percentage of T20 and Kelantan has the highest percentage of B40, but doesn't compare cost of living. So this is just 50% of the story.
66.4% isi rumah di Kelantan berada di dalam kategori B40 menurut laporan terbaru Tindakan Pembangunan Bumiputera 2020
Hanya 7.6% isi rumah di Kelantan berada di dalam kategori T20
Kuala Lumpur punyai paling ramai kumpulan T20 iaitu sebanyak 47.4% daripada keseluruhan isi rumah
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@surayaror
Unfortunately, I'm pretty sure this is not a licensed financial advisor, but an agent of a debt consolidation company that identifies themselves as a financial advisor. Their goal is to get you to refinance your debts and take a huge percentage, usually 8%-15% and above.
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The scary part is that some people just never learn. They keep dumping money into failed ventures, scams, high risk investments that they don't understand, and just depend on sweet talks from friends or authority figures, not a licensed person. All for promise of higher returns.
No one really talks about this, but sometimes you need to lose money before understanding 'if it's sounds too good to be true, it probably is'
All I hope is you don't lose too much money while gaining that experience
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Many have reached out to me to understand more about their financial situation. If you are keen to explore, you can book my calendar for initial 1-to-1 consultation for free and at no obligation at
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Buying education plan which is just an investment link insurance. Save & Invest for education using the right investment portfolio. Insurance is for protection only.
RoR mini-forum: What common personal finance advice do you disagree with?
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@eddthinksdesign
Home office setup. Work from home about 80% of the time. Meetings generally online, tools and data in the cloud. 90% communication via email and messaging apps. I'm a business owner - director of a financial planning & advisory firm and also a licensed financial planner.
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My first LIVE interview with BFM89.9 today talking about "What does the OPR Hike means to you?"
👉 What is the impact of OPR on your loans?
👉 What should you clarify with your banks?
👉 What's the best strategy to manage your finances due to the hike?
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"Takpe, you help to look for me any fund that has this potential & you let me know".
I was still new in the industry, and inexperienced. Maybe there is & I don't know about it? I told her I'll come back in 2 weeks with a proposal. In truth, I don't think I can get the answer.
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@surayaror
It's important to enjoy the process rather than being stressed out over it. Similar to dieting - going on a crash diet where you starve yourself will get you to eat more after and potentially gain more weight than losing it. Ideally, set aside a 5% or 10% 'fun' budget that you
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@Thevesh
@_joni_joni_joni
I'm really curious how high T1 incomes actually go and how granular the data is in PADU.
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I would add for no 4. -> increase financial literacy knowledge and how to manage cashflow and debt. Debt takes away our cash every month, and makes us save less for the future.
@ooihann
@surayaror
In my humble opinion, solving Malaysia's retirement crisis is possible if:
1. Give direct aid rather than force EPF withdrawals (easy)
2. Change our EPF contribution model (easy)
3. Increasing incomes (hard)
6/n
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Please share and RT to your friends and family members! Copy and paste and share to your parents!
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I’m not sure if this is a horror story, but sometimes making big financial decisions for the family might be what you want, but not necessarily what your family wants.
Storytime!
Friday Night Horror Pt 3 (Kisah Seram Jumaat Malam Bhgn 3)
He did something unexpected with his retirement fund.
This is a true story, but names have been changed to protect the innocent.
It's a story about En Radin, a high powered senior manager with 4 sons.
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3. How will you ensure that you won't repeat those bad habits in the future?
4. What was the decision making process on paying RM2.8/k on a hire purchase loan?
5. What was the personal loan for?
6. List down 5 things you want to achieve financially.
(cont.)
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Many have reached out to me to understand more about their financial situation. If you are keen to explore, you can book my calendar for initial 1-to-1 consultation for free and at no obligation at
I'm a licensed financial planner. My second meeting with this client will start by asking the following questions:
1. You accumulated 40k in CC debts and mentioned bad spending habits. What are they?
2. What are your current expenses?
(cont)
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I applaud this person for sharing his or her financial mistakes after working for the past 15 years. It's not easy to share & I'm sure they did it for the benefit of others. It also not too late to solve any current issues, and most importantly, to not make future mistakes.
"I am sharing this so that the younger generation won't make the same mistake I did."
Age: 38
EPF: RM481K
Dividend: RM20536 (RM1711/month)
An anonymous sharing I received from DM 🧵
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Cerita Seram Jumaat Malam - Friday Night Horror stories continue tonight. It's just for me to share my experience after being in the financial services industry for more than 20 years.
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@terpalingcyber
Minat IT. Hidup dgn komputer dari umur 7 tahun. Grad IT. Kerja as software developer & systems analyst 4 tahun je. Quit, jadi ejen unit trust. 20 years later, financial planner with my own financial planning company
@wealthvantagemy
. Masih peminat IT😄
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A few of my friends and colleagues (
@rafiqwva
,
@2ulkhairi
) are sharing about what is a licensed financial planner, mainly from a regulatory and license point of view. The keypoint is, even if someone has taken a certification (like CFP, IFP, RFP or Shariah RFP), doesn't mean
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If you invest in a PRS fund total of RM3k in 2021, and also a medical insurance plan total of RM3k (both about RM250/month), you can declare in your tax forms next year to get the tax relief and potentially receive tax refunds from LHDN.
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@jolieanna11
@MaisarahMahmud
Macam buat goal setting, kita guna SMART method.
S = Specific
M= Measurable
A= Achievable
R= Realistic
T= Time-Based
Kita apply this method untuk planning education anak. Insyaallah akan ada clearer idea dan planning.
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Yes, that's about right. However, the maintenance (service and wear/tear) costs, petrol, toll, and parking fees should also be factored in as total cost of ownership too, on top of the loan. So the more expensive the car, the higher you'll need to fork out for these hidden costs.
@jayen
I’d love to pick your brain on my Bezza purchase analysis. Looking at either a 7/9 year loan & put the extra cash flow to work in equities index ETFs & allow it to compound. At a 3% HP loan, that’s an effective rate of about 5.5%. Am I missing anything from my analysis?
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The fees depends on the financial planner. Some charge per session, others for a few sessions. For my firm
@wealthvantagemy
we charge on an annual basis around 4-8 meetings done in that time. It can be on a specific area like investment or holistic covering debt, budgeting,
Financial planner have different fees, but yes earmark around RM2k to start (some charge more)
The price will include a few sessions - they need to find out your cashflow situation, assets, financial goals and more. Then they will present an personalised financial plan for you.
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I've heard too many of these kinds of stories. That's why I want to share them so people know. Those that have lost their money because of poor management will never share their story because it's embarrassing and just plain sad.
Kawan badminton aku bersara dapat EPF 500k, pastu labur semua beli emas Geneva pastu lebur habis semua duit persaraan, sekarang umur dah nak 70. kerja balik bawak lori. Compang camping keadaan diri, kesian.
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I heard many employees who opted for VSS from their companies dumped their moneys here for the promise of guaranteed monthly returns. So many people believe in these schemes its scary. Time to bring back Friday Night Horror Story.
The one that got hit with the biggest fine was I-Serve Group with RM50mln for accepting deposits without a license and money laundering. That's a huge fine. Previously BNM had already raided i-Serve Online Mall Sdn Bhd and seized RM118.7 million in 45 accounts.
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@surayaror
I have been preparing by switching to hybrid vehicles since 2014 and moving to online workflows since the start of the pandemic.
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Swiss cash. Bank Negara Malaysia dah keluar warning way back in 2006:
The problem is nowadays the schemes or products sounds more complicated and sophisticated, using words like cryptocurrency, blockchain, & redeemable preference shares (RPS).
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Protip tambahan: kalau nak add on death/disability, kemalangan atau penyakit kritikal, try survey standalone plan yg lain, either the same company or different company (boleh jadi the premium is lower). Tak semestinya kena add on semua tu on the same investment linked insurance.
Protip kalau nak ambil medical card yang investment-linked:
Ambil life paling minimum (around RM30k) + medical yang min RM1m annual limit & no lifetime limit
'kenapa kena ambil life, nak medical je' - dah memang investment-linked works like that. Mmg kena ambil life even sikit
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@MrJin106
@surayaror
Technically it's not 18% directly, it will be 18%/12 which is 1.5%. So since it's charged 1.5% monthly, it actually compounds on a month to month basis. Therefore, the interest totals up to MORE than 18%, closer to 24% annually.
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Please talk to your parents about the dangers of scams. Take a look at their Facebook app on their phone - if they are above 60 years old, I 100% guarantee it is full of scammers ads.
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@Aisehman
Correct, it does show household income & I argue would be for husband and wife (especially in Klang Valley), which makes the T20 classification even worse. RM11,000 for a household implies both husband and wife earning RM5,500 each. I don't really see how that's T20.
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@surayaror
Happened to me before. Tutup meter, air tak jalan. But our big water tank still got emptied. Turns out the float inside the one of the toilet tank is broken and didn't stop water from continue to fill up, which it then emptied into the bowl.
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@luxentX
@meinmokhtar
Aku rasa kena tau money personaliti masing2 - samada saver, spender, monk atau avoider. Salah matching atau bila tak compatible, kemungkinan besar akan cerai sebab one of the top reason for divorce is about money.
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I learnt about this thru a book called Money Harmony : A Road Map for Individuals and Couples. There are 5 types of money personalities, with money avoider being one of them.
Term of the day: Money avoidance
It's when you feel uncomfortable and frustrated by your financial life (credit card debt, spent too much last month etc) and avoid checking your bank account and doing something about it. You pretend the problem is not there
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"Gone! Habis! Dia punya partner appoint orang lain. Dia kena cari bisnes lain tapi modal dah habis. Habislah!"
"You kalau nak buat bisnes, tak payah guna duit retirement. Save some money while your working untuk modal bisnes. Duit retirement tu, untuk hari tua saja."
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ASB online allows RM2k per month or unlimited via the counter. Emergency funds comes first, at least 6 months salary or expenses. Balancing the two is up to you based on the potential returns vs the withdrawal flexibility, & high interest debts also factor in this decision.
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if you invest in unit trusts, please understand what the fund invests in and how it compares to its benchmark. don't just simply compare funds and listen to people who say this fund is good, that fund is bad.
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It has decent returns and RM8k tax relief, plus very minimal administrative charges. It still functions well as a savings instrument, there's no monthly commitment, and actually linked to PTPN loans. Definitely one of the right tools for education planning.
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Gaji kasar RM15k
Berkahwin, Anak 2org SRK
PCB - 2095
KWSP 11% - 1650
Rumah (sewa) - 1.5k
Lektrik - 400
Air - 50
Kereta - 1k
Tol/Minyak/Park - 700
Takaful - 600
Kelas Tambahan - 300
Barang Runcit - 1k
Internet/Mobile - 250
Jalan2/Hiburan - 1.5k
Simpanan - 1.5k
Nafkah 2.5k
Aku rasa duduk KL ni selesa kalau income dalam RM15k. Tapi rumah dalam RM1500/ month. Kereta bawah RM1k/month. Makan tak payah catu sangat nk pegi jalan jalan pon ok. Bini tak payah kerja.
Tapi rasanya kalau gaji RM15k, takkan nak duk rumah biasa dan pakai kereta biasa.
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So the consensus is 0.1% of Malaysians out there has at least RM 500k in liquid assets (cash in savings, unit trusts, shares, crypto) minus EPF/properties. I think it's actually between 0.1% - 1% though.
What is the percentage of people that you think have at least RM 500k in liquid assets (cash, shares, unit trust, etc)?
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Comprehensive plans can be a term insurance/takaful plan for death, disability and critical illness, and a basic investment link plan just for medical card. This is generally cheaper overall than just one plan with all the riders.
Forget about your bag your car your watch, flex to me your comprehensive insurance plans. Those things are like RM500++/month!
(You can get super basic insurance from even RM5 per month but I'm talking super comprehensive plans with income protection, medical benefits and more)
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@asmamin
@surayaror
Keep a simple worksheet using Google Sheets and update the balance every month. In the worksheet, have the following details: Name of Investment, Total Invested, Current Value Today, and then Total for all. You can do this for all your investments like EPF, ASB, TH, UT,
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My 3-Year Experience with a Licensed Financial Planner: Helpful or not?
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🔍 Considering a Financial Planner? Here's What to Know! 🔎
Struggling to manage your finances DIY style? Hiring a financial planner can be a smart move! But before you decide, there are some important things to consider.
There are 5 key factors: 🧵
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There’s no right or wrong answer, but I know that after a few years, En Radin and his wife were the only occupants of that big house.
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Hardest to advise on is earning more. Sometimes it sounds like cruel & heartless (“Just make more money bro!”), but in certain situations it may be the best thing to do. Keep looking for opportunities to earn more while you are optimizing your savings and investments.
3 pillars of personal finance that I like to talk about.
Earning, saving, investing. The trifecta.
You'll do pretty well financially if you can sort these out 👇
Earning 🧑💼
Cold hard truth first. It's hard to get far with your finances if you don't earn much. This should be
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@luxentX
@meinmokhtar
Inilah kerja financial planner - separuh tukang kira-kira, separuh lagi marriage kaunselor, kadang2 life coach and motivator.
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If you're thinking of pursuing a career in financial planning, or you are in the financial services industry and wish to upgrade your services as a licensed financial planner, read the following to see how the CFP program is your next stepping stone.
Obligatory share my CFP journey. I wrote in 3 parts:
- where to take it, how and how much
- what they teach in modules 1&2
- what they teach in modules 3&4
This is part 1
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If you have RM2mil in retirement fund & invest in a portfolio that earns 5%, you will get RM 100k or about RM8k a month as “pension”. This is a simple way to manage retirement money. Also how some people get trapped in scams because they want higher dividend returns.
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Today I helped a client submit her income tax returns. 📑 She started working with me in January 2023 to get her finances in order. As a newly hired consultant with overseas income, she faces unique financial challenges.
#FinancialPlanning
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