Holistic wealth planning,
engineered for life, structured for legacy.
Helping individuals, families and business owners make confident financial decisions from protection to accumulation, from preservation to wealth distribution.
What do you want to protect?
TSI Wealth Planner
Alif Ahmed
Shariah Registered Financial Planner (MFPC)
4+
Years
3
Licences
8+4
Takaful Operators
Malaysia
Region
WHY US?
Every Financial Decision Aligned.
Our advice connects every part of your financial life.
Holistic approach & strategic wealth planning experience, encompassing risk management & takaful planning, retirement planning, debt management, savings & investment, tax & zakat planning, education planning, legacy & estate planning and business continuity.
Every recommendations begins with your goals, responsibilities, family needs and Shariah values.
Solution sourced from multiple takaful operators, zakat institutions, trustee and planning partners to fit your needs.
Structured advice backed by recognised industry qualifications and regulatory oversight.
See your protection, retirement, education, estate and wealth goals in one integrated plan.
Quick Tools
See your numbers, live.
Adjust the sliders and watch your protection and retirement picture update in real time.
How much coverage does your monthly contribution may create? If you get more, than its a good bargain
Estimated sum covered
Illustration only. Actual sum subject to underwriting, age, health, and operator terms.
Are your current savings on track for the retirement you want? Are you ready to retire?
Est. monthly gap: —
Illustration only. Assumes age 60 retirement, 25yr drawdown, 4% return, 3% inflation.
Want a complete financial health picture? Use the full 8-in-1 suite below.
Go to Full Financial Health Calculators ↓Financial Health Suite
8-in-1 Financial Health Calculator
Enter your real numbers. Each calculator gives an instant result benchmarked against financial planning standards — colour-coded green, amber, or red.
Monthly income minus all expenses. Positive = investable surplus. Negative = danger zone.
Total assets minus total liabilities. The single most important measure of wealth accumulation progress.
Net Worth ÷ Annual Net Consumption (Expenses − Savings). Measures financial independence progress.
| Ratio | Status | What It Means |
|---|---|---|
| ≥ 25× | Financially Independent | Net worth covers 25+ years of consumption — true FI territory |
| 10–24.9× | Strong Accumulator | Well on track toward financial independence |
| 5–9.9× | Average Accumulator | Building wealth — below strong benchmark, increase savings or cut consumption |
| < 5× | Under Accumulator | Net worth low relative to consumption — review lifestyle vs. savings balance |
% of take-home income going to savings & investments — EPF, ASB, unit trust, savings accounts.
| Saving Ratio | Status | Implication |
|---|---|---|
| ≥ 30% | Excellent | Aggressive saver — strong wealth-building trajectory |
| 20–29% | Healthy | Meets CFP benchmark — on track for long-term goals |
| 10–19% | Moderate | Below benchmark — increase savings rate progressively |
| < 10% | Critical | Insufficient — vulnerable to financial shocks |
Liquid Assets ÷ Monthly Expenses — how many months of expenses your accessible cash covers (emergency fund measure).
| Months Covered | Status | Assessment |
|---|---|---|
| ≥ 6 months | Excellent | Strong emergency buffer — highly resilient to income disruption |
| 3–5.9 months | Healthy | Meets CFP minimum — adequate emergency fund in place |
| 1–2.9 months | Caution | Below recommended buffer — build up liquid reserves progressively |
| < 1 month | Critical | Extremely vulnerable — build emergency fund as first financial priority |
% of monthly income committed to debt. Banks use this for financing eligibility.
| DSR | Status | Assessment |
|---|---|---|
| ≤ 35% | Excellent | Very strong debt management — comfortable buffer remaining |
| 36–45% | Healthy | Good debt management — carefull not to add new debt |
| 46–60% | Caution | Near BNM limit — revisit your debt management plan |
| > 60% | Critical | Exceeds BNM guideline — you might need restructuring urgently |
How much you need to retire comfortably — based on desired monthly income, years to retirement, and drawdown period.
Monthly investment needed for a specific goal — education fund, business capital, or any lump sum target.
Results update as you complete each calculator. Complete all 7 for a full picture.
What I Do
A complete plan
for every audience.
Full ratio analysis — cash flow, DSR, net worth, savings adequacy. Know exactly where you stand.
Emergency fund, Human Life Value, cash flow protection — every income gap identified and covered.
Haji & Umrah, retirement, children's education — your actual numbers, your real timeline.
Rebalance debt vs. investment, optimise taxes legally, unlock frozen or under-utilised assets.
Zakat calculation, Wakalah payment planning, tax rebate optimisation. Align wealth with faith.
Wasiat, Hibah, Amanah, Wakaf — a three-tier estate strategy ensuring your wealth reaches the right people.
Financial readiness before property purchase — combined financial planning + REN advisory for Northern Malaysia.
OPEX deductions via Keyman Policy, Fire SME, TPA, RPGT planning, and Zakat rebate.
0% service charge money market access and liquidity management for SMEs.
Keyman policies, risk frameworks, business succession planning — continuity when the unexpected happens.
Remuneration packages that reduce corporate and personal tax simultaneously.
HRDCorp-claimable in-house financial literacy programmes for your workforce.
My Clients
Built for
real lives.
I work across different life stages and industries — each needing a uniquely tailored approach.
Doctors, Engineers, Officers & Contractors — high income, complex benefits, offshore risk, specialist coverage.
Building foundations — protection, education funds, first home, and cash flow structuring.
Wealth structuring, legacy planning, and Shariah-compliant investment strategies.
SME directors needing personal and corporate financial planning — tax, keyman, succession.
Ensuring EPF, savings, and assets deliver the retirement life you envision.
Financial readiness, mortgage advisory, and property support via IQI Realty.
How It Works
Four steps to a
living plan.
A "living plan" — because your finances evolve. We build for today and review every year.
60–90 minutes. We map goals, obligations, dependants, and your current financial position. No products discussed yet.
Full ratio analysis, gap identification, GoalsMapper financial health report — your complete picture visualised.
A written, personalised plan with specific recommendations across protection, investment, estate, and zakat.
We act on the plan together, then review annually — adjusting as your life, income, and goals evolve.
Legacy · Maqasid al-Shariah
Protect your family.
Reward your soul.
Hibah, Wasiat, Wakaf, and Sadaqah Jariyah create certainty for your family while supporting the causes that matter to you.
Islamic will directing distributable assets — avoiding family disputes and frozen estates.
Living gift that bypasses Faraid — specific beneficiaries receive assets immediately upon death.
Ongoing wealth management for complex estates — controlled distribution, protected from creditors.
Islamic endowment for community benefit — a structured legacy generating continuous pahala jariyah.
The Infaq Benefit
Direct a portion of your legacy to charity, NGO, waqf, or foundation.
Your family is fully protected. Your generosity is structured. The contribution is documented as part of the estate conversation.
Regulated planning
Consent-led process
Operator + plan level
Written rationale
Annual updates
Partner Network
Powered by Malaysia's
Shariah-compliant network.
Family Takaful
- AIA Public Takaful Berhad
- Etiqa Family Takaful Berhad
- Great Eastern Takaful Berhad
- Hong Leong MSIG Takaful
- Prudential BSN Takaful Berhad
- Syarikat Takaful Malaysia Keluarga
- Takaful Ikhlas Family Berhad
- Zurich Takaful Malaysia Berhad
General Takaful
- Etiqa General Takaful Berhad
- Syarikat Takaful Malaysia Am
- Takaful Ikhlas General Berhad
- Zurich General Takaful Malaysia
Zakat & Legacy
- Lembaga Zakat Selangor (LZS)
- PPZ-MAIWP
- As-Salihin Trustee Berhad
- Rakyat Trustee Berhad
- Sampul.co
TPA & Others
- Healthmetrics Sdn Bhd
- MiCare Sdn Bhd
- PMCare Sdn Bhd
- Yayasan Ikhlas
Career Opportunity
Build your practice
on a modern platform.
Join the most under-served segment in Malaysia's financial industry.
Why Join TSI Wealth Planners?
Mentored Practice — Guidance inside a regulated advisory environment.
Partner Network Exposure — Learn across takaful, trust, zakat, and training cases.
Single Licence, Full Service — Handle Family Takaful & General Takaful with one FAR licence. (currently 8 Family Takaful Operators & 4 General Takaful Operators)
Back-Office Support — Compliance, documentation, and operations support.
Shariah RFP / IFP Pathway — Structured certification and CPD support.
HRDCorp-Claimable Training — Programmes for qualifying corporate learning needs.
Continuous CPD — Regulation, planning, and fiqh kept current.
Frequently Asked
