CF Lieu
Box 49, GPO Penang, Lebuh Downing
10670. George Town, Malaysia
018-2111618
Credentials : CFP CERT TM ,
BEng (Hons) Electronics
CF Lieu is the new generation of independent financial adviser (IFA)
who believes there is more than meets the eyes when it comes to
financial planning.He advocates financial “life” planning – whereby return-on-life
(ROL) is more important than return-on investment (ROI).The 3 crucial questions to ask in our financial life planning are:

  • How can I derive the most meaning from my means (money)?
  • Is the fulfillment received in proportion to the money spent?
  • Is this in alignment with my values, goals and purposes?

CF believes financial life planning revolves around developing
the skills and mindset to:

  • Achieve enough means to align with our life meaning
  • Recognize when we have achieved enough
  • Stay near the peak of life fulfillment without falling
    back into deprivation or gluttony
Approach

CF Lieu’s approach in financial life planning includes:

  • Adopt a consultative approach instead of product pushing
  • Value long term relationship with client instead
    of transactional relationship
  • Believes in continuous learning and improvement
    instead of meeting sales target

One advantage that CF’s clients enjoy is that being a
tech-savvy IFA, CF is able to leverage the Internet and
technology to engage clients remotely via live meetings.
This improves decision making process and effective communication.

The Right Competency & Regulatory Licenses
While a Certified Financial Planner certification is an
important competency test, any practicing IFA in Malaysia
like CF must have the following licenses to conduct holistic
or segmented fee-based financial planning services.

  • Capital Market Service Representative License (CMSRL)
    by Securities Commission, for conducting financial
    planning activities
  • Financial Adviser Representative (FAR) License,
    by Bank Negara Malaysia for sourcing insurance solutions
    rom various insurance companies
  • Corporate Unit Trust Advisor (CUTA) License, by Federation
    of Investment Managers Malaysia (FIMM) to source and
    recommend unit trusts from various unit trust companies

IFAs have no sales quota to meet, for the clients’ best
interest. In the implementation stage where products are
recommended, IFAs are compensated accordingly in the form
of commission.

Clientele
  • Working professionals
  • Malaysians working overseas
  • Professional businessmen
  • Business owners
Credentials
  • Columnist for Money Compass magazine and StarProperty.my
  • Founded Malaysian’s top personal finance blog – http://HowToFinanceMoney.com
  • Given financial workshop to CPA Australia
  • Featured interviews in Personal Money and BFM radio station
Expertise
CF believes that every household should have a comprehensive,
custom-tailored financial plan, where each aspects of your
financial matters below must be coordinated and integrated so
that we can see with clarity, the cause & effect of one
aspect affecting the others:
  • Risk Management
  • Debt and Loan Management
  • Investment Planning
  • Retirement Planning
  • Estate & Business Succession Planning