The financial planner are always a good partner to everyone, They are those who could understand your need and assisted to resolve the financial challenge. In Malaysia, even though the financial planner is not a new business, however widely engage the financial planner may not as common in the developed country. Let us reveal what is the financial planner role in your daily life.

1. Top 5 reasons : why you need a
financial planner
Loh Boon How
Financial Planner

2. Can you be a self-help financial planner?
Most people claim that they are understanding their
own need and how to resolve their financial
challenge.
But, How True Is It?
Let us guide you how the statistic as a good indicator
to answer the myth.
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3. Statistic 1 : Bankruptcy rate by quarter
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4. Statistic 2 : Bankruptcy rate by age band
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5. Statistic 3 : Bankruptcy rate by gender
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6. Statistic 4 : Bankruptcy rate by race
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7. Statistic 5 : Cases release from bankruptcy
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8. The top 5 reasons of seeking
financial planner consultation
Financial planner likewise a professional medical or legal
practitioner that is to serve the financial need of an individual or
a family toward their designated and predefined goal, monitor
the progression and recommended the solution that suit to the
client’s condition.
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9. 1. Stay abreast of law and regulation
One of the segments is, both the income tax
planning and estate planning, required to master a
great deal knowledge of law and regulation.
The Financial Planner had to update themselves
with latest update and development of law and
regulation.
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10. 2. Knowledge and application
The retirement planning and children education
planning require knowledge and application in order
to compute the time value of money (Both the
present value and future value calculation).
Although the client could learn how to apply this
knowledge, however, is depend on a learning curve
of an individual.
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11. 3. Compliance of professional code of ethic
The financial planner always adheres to a
professional code of ethic in their practices.
They are required to act at all times in client best
interest and to avoid any potential conflict of interest
between financial planner and the client.
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12. 4. Economic pressure
With the current rapid economic changes, for
example: rise of inflation rate, the implementation of
Goods And Services Tax (GST) and cutting down of
government subsidy will lead to increase of living
cost and drop of standard of living.
The swift of economic circle may potentially result a
loss of income or reduce in earning.
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13. 5. Social changes
The prolong of life expectancy due to the
advancement of medical service, will lead to careful
planning in order to cater the extended financial
need.
The focus of quality life and reduce number of
children may have excess fund to allocate for the
wellness of future planning. Such as educational
fund, educational insurance etc.,
Married, divorce or predeceased of a family member,
the abrupt changes that might have a major impact
on the family financial need.
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14. Conclusion
What are the reason that you fail to plan your future,
since it will bring a severe hardship of your lifestyle.
The incomplete government and social welfare will
further urge to bring a higher awareness to consider
financial planning seriously.
On the other hand, through the financial planning,
you will able to monitor yourself the financial
pathway toward your designated goal.
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15. Thank you
B. H. Loh & Associates
Address:
No. 1-3-15, Goldhill Complex,
Tingkat Paya Terubong 1,
11060 Penang.
H/P No. : 016-4893382
Email: bhlohass@gmail.com
Website / Facebook: bhloh.com.my
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