Fee-only financial planners · Kuala Lumpur
Independent advice for Malaysian families and business owners. No commissions, no product quotas — just a clear plan and a team that sticks with it.
Licensed by the Securities Commission MalaysiaCapital Markets Services Licence · CMSL/A0000-2026
Retirement, on your terms
RM 2.4b
in client assets under advice, held with independent custodians.
1,850
families and business owners with a written plan.
96%
of clients renew with us every year. Most refer a friend.
Money questions change as life does. We meet you where you are — and plan for where you're heading.
Ages 28 – 45
Buying a home, funding education and protecting the people who depend on you — without giving up on your own future.
SME founders & directors
Separating business and personal wealth, paying yourself tax-efficiently and planning a succession that doesn't depend on luck.
Ages 50 – 65
Turning EPF savings and investments into a reliable monthly income that lasts as long as you do — and handles inflation along the way.
High-net-worth families
Wasiat, hibah, wills and private trusts coordinated with your lawyers — so wealth passes on smoothly and according to your wishes.
Most people have a bank, an agent and an app. We make sure they're all working towards the same plan.
How much is enough, when you can stop working, and how to draw down EPF, PRS and investments so the money lasts.
Low-cost, diversified portfolios built around your goals and risk tolerance — with conventional and Shariah-compliant options.
Wills, wasiat, hibah and trusts that reflect your wishes and avoid frozen assets and family disputes.
Use every relief you're entitled to, structure business income sensibly and avoid surprises at filing time.
An independent look at your insurance and takaful — what you actually need, what you're overpaying for, and the gaps.
A quick estimate to start the conversation. Move the sliders — everything updates as you go.
Projected at retirement
RM 0
Estimated amount needed
RM 0
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Assumes 3% inflation, spending to age 85 and a 4% return after retirement. Illustration only, not financial advice.
From first call to lifelong plan. You'll always know what we're doing, why, and what it costs.
01
A free 30-minute call to understand what's on your mind and whether we're the right fit.
02
We gather the full picture — income, EPF, investments, insurance, debts and goals — in one secure place.
03
A clear plan with cash-flow projections and specific actions, walked through face to face. No jargon.
04
We handle the paperwork: opening accounts, consolidating funds and coordinating with your lawyer or tax agent.
05
Regular reviews and a planner you can message when life changes — a new job, a new baby, an inheritance.
You'll know exactly what you pay. We don't take commissions from fund houses or insurers — ever.
Financial Plan
A one-off, comprehensive plan you can implement yourself.
RM 2,800 one-off
Ongoing Advice
Your plan, managed and reviewed as life changes.
0.75% per year of assets advised
Family Office
For complex estates, multiple entities and generations.
Custom from RM 60k / yr
Every planner holds a CFP® or RFP™ qualification and a Capital Markets Services Representative's Licence.
Founder & Principal Planner
Head of Retirement Planning
Chief Investment Officer
Estate & Islamic Planning
It's free and there's no obligation. You'll leave with at least one useful idea — even if we never work together.
Level 30, Menara Laras, Jalan Tun Razak, 50400 Kuala Lumpur
hello@laras.example
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A planner will message you within one working day to confirm a time. (Demo only — nothing was sent.)