Financial Planning Association Malaysia (FPAM)

Elevate Your Greatness: Unleashing Potential for Success is a motivational mantra emphasizing the journey towards personal professional excellence. It encourages individuals to aspire to higher achievements and to unlock their full capabilities. By embracing this mindset, once can overcome obstacles, strive for continual improvement and ultimately reach their desired level of success.

Sales mastery involves unleashing one’s potential and honing skills to effectively close deals. It begins with understanding the product or service thoroughly and aligning it with the customer’s needs.  Exceptional communication skills are essential, actively listening to clients and articulating value propositions persuasively.

Legacy planning involves strategically crafting and safeguarding the assets, values and goals that one wishes to pass on to future generations. It encompasses financial planning, estate planning and the transmission of personal values and wisdom. Mastering the art of legacy creation and protection entails creating a comprehensive plan that ensures the preservation and transfer of wealth, memories and values according to one’s wishes.

The objective of this course is to provide participants with a comprehensive understanding of value investing principles, strategies, and techniques to enhance their stock investing skills. Participants will learn how to identify undervalued stocks, conduct thorough research, and make informed investment decisions based on intrinsic value.

Risk Management in personal financial planning involves identifying, assessing, and mitigating potential financial risks to safeguard one’s financial well-being. This includes understanding and managing risk related to income fluctuations, market volatility, unexpected expenses, medical and other unforeseen events. By proactively addressing potential risks, individuals can enhance financial resilience and achieve their long-term financial goals.

This course is tailored for CFPs who aspire to master estate planning with an innovative, integrated approach. In a world where the financial and legal landscapes are rapidly changing, this course breaks new ground by moving beyond conventional planning tools such as wills and trusts, proposing an integrated strategy that addresses the multifaceted needs of clients’ personal and business assets. This unique educational offering merges in-depth theoretical insights with practical, real-life case studies, to empower participants with hands-on experience, making the abstract principles of integrated estate planning tangible and actionable.

Aimed at CFPs who are committed to advancing their expertise or shifting their practice to embrace a more sophisticated, all-encompassing approach to estate planning, this course not only promises to transform your understanding and application of estate planning principles but also positions you as a leader in implementing integrated strategies that ensure the protection, preservation, and perpetuation of wealth across generations. By choosing to enroll, you are taking a step towards differentiating your practice through a comprehensive approach that harmonizes legal, financial, and personal considerations into a unified estate planning strategy. Embark on this revolutionary journey with Sifu Lee, and redefine the boundaries of estate planning to secure your clients’ legacies more effectively and with enduring impact.

Asian family office strategies in wealth and business succession planning are tailored to address the unique cultural, familial, and business dynamics prevalent in the region. These strategies focus on ensuring the seamless transition of wealth and leadership across generations while preserving family legacies and business continuity.

Elevate Your Greatness: Unleashing Potential for Success is a motivational mantra emphasizing the journey towards personal professional excellence. It encourages individuals to aspire to higher achievements and to unlock their full capabilities. By embracing this mindset, once can overcome obstacles, strive for continual improvement and ultimately reach their desired level of success.

China’s reopening story fizzled out with the Hang Seng Index slipping into bear market and the Chinese yuan fell to its lowest level in 16 years in August 2023 with the second largest economy in the world facing a deep real estate crisis threatening the possibility of a systematic risk happening. To make things worse, not only growth is stalling, consumer prices are also falling and the youth unemployment has risen so much that the Chinese government decided to stop publishing this data.

Globally, core inflation remains stubbornly high in many parts of the world and is one of the key economic data hurting global growth and with China slowing down, is there going to be a global recession in 2024?

In 1974, Saudi Arabia priced its oil exclusively in US dollars in exchange for security guarantees from the United States. This petro-link is one of the pillars on which the US dollar rests as the world’s primary reserve currency today. During the 2023 World Economic Forum in Davos, Saudi Arabia’s Finance Minister, Mohammed Al-Jadaan, stunned reporters when he expressed that the oil-rich nation was open to trading in currencies beside the U.S. dollar for the first time in 48 years. Is this the beginning of de-dollarisation?

This course will analyse key global economic data and the consequences of a global economic slowdown on various countries and asset class besides analysing the possibility of de-dollarisation.

Successful unit trust investment hinges on strategic decisions.  Diversification is the key to spreading investments across various assets to mitigate risks. Aligning investments with your risk tolerance and regularly monitoring fund performance ensures adaptability.

The outlined learning outcomes address key necessities in financial education. They enable participants to conduct in-depth financial analyses through ratio analysis, ensuring a comprehensive understanding of liquidity, profitability, and solvency. With a focus on debt management, learners gain insights into different debt types, optimal levels, and effective strategies, promoting financial stability while leveraging debt for growth. The integration of these skills equips participants to make well-informed decisions that align with organizational objectives, balancing risk and return. Additionally, the program emphasizes proactive risk assessment and mitigation, effective communication of financial insights, and a continuous improvement mindset, ensuring participants stay ahead of industry changes and contribute to sustained organizational success.

It is important to review budget changes yearly. While tax is an imposition by the government, there are always possibilities to arrange your tax affairs in such a way as to attract the least amount of tax. This one-day program will highlight the recent budget amendments and also provide a platform to discuss tax planning ideas that will contribute immensely to wealth maximization. Taxation pervades the four pillars of financial planning – wealth accumulation, protection, preservation, and distribution. Every financial service professional should be adept at taxation, both the law and the planning opportunities.

CE Endorsement for UOB Kay Hian Wealth Advisors Sdn. Bhd. in-house training titled Fundamental of Retirement Planning that was held on 25 & 26 July 2024

CE Endorsement for UOB Kay Hian Wealth Advisors Sdn. Bhd. in-house training titled Financial Planning 101 that was held on 29 and 30 January 2024

In an era fueled by innovation, financial planners are compelled to embrace cutting-edge technologies to optimize efficiency and provide unmatched value to clients. This course offers a comprehensive exploration of how artificial intelligence (AI) is transforming the landscape of financial planning. Participants will delve into practical applications, from leveraging predictive analytics for market insights to elevating client experiences through personalized recommendations.

Learning outcomes encompass understanding the core principles of supervised, unsupervised, and reinforcement learning, as well as the application of AI in enhancing financial modeling and goal-based planning. Participants will acquire the skills to assess client risk tolerance using AI for tailored investment strategies and explore various tools for AI-driven market analysis and portfolio optimization. The course underscores the critical role of data in financial planning, guiding participants to customize financial plans and investment strategies using AI tools while improving client engagement through personalized recommendations.

China’s reopening story fizzled out with the Hang Seng Index slipping into bear market and the Chinese yuan fell to its lowest level in 16 years in August 2023 with the second largest economy in the world facing a deep real estate crisis threatening the possibility of a systematic risk happening. To make things worse, not only growth is stalling, consumer prices are also falling and the youth unemployment has risen so much that the Chinese government decided to stop publishing this data.

Globally, core inflation remains stubbornly high in many parts of the world and is one of the key economic data hurting global growth and with China slowing down, is there going to be a global recession in 2024?

In 1974, Saudi Arabia priced its oil exclusively in US dollars in exchange for security guarantees from the United States. This petro-link is one of the pillars on which the US dollar rests as the world’s primary reserve currency today. During the 2023 World Economic Forum in Davos, Saudi Arabia’s Finance Minister, Mohammed Al-Jadaan, stunned reporters when he expressed that the oil-rich nation was open to trading in currencies beside the U.S. dollar for the first time in 48 years. Is this the beginning of de-dollarisation?

This course will analyse key global economic data and the consequences of a global economic slowdown on various countries and asset class besides analysing the possibility of de-dollarisation.

Successful unit trust investment hinges on strategic decisions.  Diversification is the key to spreading investments across various assets to mitigate risks. Aligning investments with your risk tolerance and regularly monitoring fund performance ensures adaptability.

Risk Management in personal financial planning involves identifying, assessing, and mitigating potential financial risks to safeguard one’s financial well-being. This includes understanding and managing risk related to income fluctuations, market volatility, unexpected expenses, medical and other unforeseen events. By proactively addressing potential risks, individuals can enhance financial resilience and achieve their long-term financial goals.

Asset prices are commonly believed to react sensitively to economic news. One of the favorite tools for fund managers is the Global Macro Strategy which bases the fund’s holdings primarily on the overall economic and political views of various countries or their macroeconomic principles. Holdings may include long and short positions in various equity, fixed-income, currency, commodities, and futures markets. Retail investors often trade with economic indicators and apply them as their investment strategy that helps to take advantage of past events, trends, and predictions for the future of the financial markets. Many external factors can have an impact on the global markets, including interest rates, inflation, unemployment, and many more. This course discusses the relationship between macroeconomics and the financial markets.

Elevate Your Greatness: Unleashing Potential for Success is a motivational mantra emphasizing the journey towards personal professional excellence. It encourages individuals to aspire to higher achievements and to unlock their full capabilities. By embracing this mindset, once can overcome obstacles, strive for continual improvement and ultimately reach their desired level of success.

Success often begins with a shift in mindset. Transformative thinking is rooted in empowering beliefs that propel individuals toward their goals, enabling them to overcome obstacles and achieve their full potential. Here are key empowering beliefs that cultivate a transformative mindset.

The course is an introduction to both fundamental and technical analyses coupled with equity portfolio management strategies.  Lim Mei Ching, who was formerly an equity fund manager and investment analyst for more than 12 years has previously worked in unit trust, asset management, insurance and investment bank. She has authored the book “Be Your Own Fund Manager” which she shared her experience both from the buy side and sell side of Malaysian equity research.

Although the concept of FATA has been around, not many authors promote it in their books as both analyses contradict each other in certain ways. Instead, it could be used simultaneously to reduce the investment risk with better upside potential through a more comprehensive analysis.

China’s reopening story fizzled out with the Hang Seng Index slipping into a bear market and the Chinese yuan fell to its lowest level in 16 years in August 2023 with the second-largest economy in the world facing a deep real estate crisis threatening the possibility of a systematic risk happening. To make things worse, not only growth is stalling, consumer prices are also falling and youth unemployment has risen so much that the Chinese government decided to stop publishing this data.

Globally, core inflation remains stubbornly high in many parts of the world and is one of the key economic data hurting global growth and with China slowing down, is there going to be a global recession in 2024?

In 1974, Saudi Arabia priced its oil exclusively in US dollars in exchange for security guarantees from the United States. This petro-link is one of the pillars on which the US dollar rests as the world’s primary reserve currency today. During the 2023 World Economic Forum in Davos, Saudi Arabia’s Finance Minister, Mohammed Al-Jadaan, stunned reporters when he expressed that the oil-rich nation was open to trading in currencies besides the U.S. dollar for the first time in 48 years. Is this the beginning of de-dollarisation?

This course will analyse key global economic data and the consequences of a global economic slowdown on various countries and asset classes besides analysing the possibility of de-dollarisation.

Legacy planning involves strategically crafting and safeguarding the assets, values and goals that one wishes to pass on to future generations. It encompasses financial planning, estate planning and the transmission of personal values and wisdom. Mastering the art of legacy creation and protection entails creating a comprehensive plan that ensures the preservation and transfer of wealth, memories and values according to one’s wishes.

Different asset classes tend to experience good performance at different times. As such, in creating an optimized investment portfolio for our clients, diversification helps offset any poor performance of an asset class with higher returns from another asset class, thus enhancing the consistency of long-term returns.

This course will equip investment advisors and consultants with the necessary skills to develop a comprehensive and diversified investment portfolio by selecting the right combination of unit trust funds for their clients based on individual investors’ risk profiles, market opportunities, and risk management.

Understanding guaranteed income in income insurance plans entails recognising that these plans offer a reliable source of income, typically through regular payments over a specified period of life. This income is often unaffected by market fluctuations, providing financial stability and peace of mind.

Learning Outcome:

It is important to review budget changes yearly. While tax is an imposition by the government, there are always possibilities to arrange your tax affairs in such a way as to attract the least amount of tax. This one-day program will highlight the recent budget amendments and also provide a platform to discuss tax planning ideas that will contribute immensely to wealth maximization. Taxation pervades the four pillars of financial planning – wealth accumulation, protection, preservation, and distribution. Every financial service professional should be adept at taxation, both the law and the planning opportunities.

The workshop aims to empower participants with fundamental knowledge and skills related to (the recent major changes in Malaysian taxation), enabling them to make informed financial decisions and enhance their overall financial well-being.

In the past, most of the financial planners needed one skill to be “successful”, which is the ability to sell, and get clients and will be solely compensated by commissions, if the planner unable to keep finding new prospective clients to sell to soonest or later the income will quickly go to zero. However, as the need by the consumer has shifted, the key abilities are technical competency to give the right advice, and empathy skills to form and deepen the client relationship and the sales and business development will then comes later.

The tactics for building generational wealth within Asian Heritage involve a combination of disciplined saving, strategic investing, entrepreneurship and a strong emphasis on family values and support.

This course equips you with the essential skills and knowledge needed to perform comprehensive retirement planning using Microsoft Excel. Through a combination of theoretical understanding and practical application, you will learn how to utilize Excel’s powerful tools to create realistic retirement assumptions, estimate expenses, assess funding needs, and develop strategies to address potential shortfalls.

By the end of the course, you will be proficient in leveraging Excel for data analysis, scenario planning, and visual representation to effectively plan for your retirement.

Economics is an integral part of our daily lives, often influencing our financial decisions and shaping our future. This multidisciplinary field studies how people use their limited resources to try to fulfil unlimited wants and it involves alternatives or choices. From budgeting and investment choices to retirement planning and risk management, the principles of economics through its disciplines of microeconomics and macroeconomics provide individuals with tools to navigate the complex financial landscape. The subject is rarely taught deeply in any financial planning course or training, but it is inevitable for financial planners to master the knowledge to explain the influence of economic theories, from mainstream to heterodox economics, that can empower people to make informed financial decisions. Therefore, this course is specially created with the sole motive that through this workshop, the participants will be able to explore how economics subject has played a crucial role in our financial planning practice. Thus, it eventually improves our practice competency to provide sound financial advice to clients.

FPAM MEMBERS GOVERNANCE PAPERS UPDATED In August 2021 by Management Office (MO), following an exposure draft to members, had finalised the draft of the following documents: 

1. Code of Ethics

2. Rules of Conduct 

3. Best Practices 

4. Proper Usage of the CFP Mark 

The alignment of these documents is to guide all members as financial professionals