Service · Personal Wealth Planning
A roadmap from today's salary to tomorrow's freedom
Most people do not have a money problem — they have a coordination problem. EPF here, ASB there, a policy someone sold them in 2015. We pull it into one plan that compounds.
What the engagement covers
Wealth planning at Hubernal starts with a full financial X-ray: income, spending, assets, debts, coverage and goals. From there we build projections that show — in ringgit and years — whether your current path reaches your targets, and what to change if it does not.
You receive a written plan with prioritised actions, and we meet twice a year to keep it honest against real life: promotions, new children, market swings, aging parents.
Included in every plan
- Retirement adequacy projection with EPF, PRS and private savings combined
- Education funding schedules for each child
- Investment portfolio review — fees, overlap, risk fit
- Insurance and takaful gap analysis with no product sales attached
- Emergency fund and debt-reduction sequencing
- Will and nomination checklist so nothing is left unclaimed
Find out where your current path leads
The first projection conversation is free — and often eye-opening.
Request a Projection