Be in Control of your Finances. Worry Less about Money
So you are free to do what you’re good at, live the life you deserve & enjoy the freedom you desire without waiting 20 years
What Clients Said after consulting CF Lieu (published with clients’ consent)
Director, Accounting Shared Services APAC, Huntsman Corporation
New perspectives and information that I never knew or considered, with direct and easy to understand explanations.
Lieu is very humble and respectful of client’s viewpoint despite him having a rich knowledge in the financial planning space!
Chief of Staff, Asia Pacific at Paypal
I don’t look at investment the same way before anymore, having I have much higher clarity on why certain things occur in the investing landscape, relate it back to my personal circumstances before making informed decisions.
Retired, Former Senior Manager at multiple Melaka MNCs
Injected much valuable clarity in my retirement nest egg management, with much patience and dedication.
I have no qualms in recommending CF to my relatives and friends who need independent financial advisory.
Consultant Orthopaedic & Trauma Surgeon at Pantai Hospital Laguna Merbok, also Clinical Professor at AIMST University
I am now able ask way better critical questions when any insurance product is recommended to me , instead of just settling for whatever that is being offered.
Personally, I do appreciate and understand that good, no conflict-of-interest advice which comes with a fair professional fee is worth it.
Anesthesiologist, KPJ Klang Specialist Hospital
Lieu had been exceedingly useful in clearing all my doubts regarding the insurance issues I had for more than 1 year, which I can’t seem to get straight answers from insurance agents.
The only regret I have when I engaging CF Lieu is NOT seeking his advice earlier, because he showed me the exact approach to pay less while getting increased coverage.
General Practitioner & owner at Clinic Permai, Bukit Mertajam, Penang
I liked your approach of advising without financial jargons, just plain English, something I can relate.
Fees are affordable, and most importantly, from neutral angle.
From medical perspective, you are prescribing medicine that you are actually eating.
Head Of Human Resources at Lazada
Biz owner & former regional Head of Human Resource Operations , Shell Business Operations
The road mapping process has shown me that I can still have a sustainable retirement portfolio in place 40-years from now without compromising current lifestyle.
You didn’t use any alienating jargons or complex explanations. Yet, you still able to get your point across.
In more ways than one, you helped me discovered and surfaced the answers to a web of inter-related questions I had ~ answers which I probably already have within myself but weren’t obvious before.
CEO & Owner at PM International, Malaysia’s Top 100 Most Influential Young Entrepreneur 2017
Helped me to demystify a lot of intertwined things I thought were extremely complicated but he managed to break them down into very simple, bite-size, actionable chunks that I could truly understand.
What I really appreciate is that he effortlessly combines the logical and emotional aspect of managing money & investing. Lieu made me felt understood and I felt like I’m talking to a friend.
I’d highly recommend Lieu for unbiased advice if you want your expectations to be exceeded.
General Manager (Business Excellence) – Sarawak Shell
There is a big difference between knowing something and doing something about it. So when impartial advice comes from a credible Financial Advisor like CF, it significantly reinforces my earlier beliefs and more importantly, makes me ACT on doing the right thing.
CF is able to instill the right discipline and advice so that we can still be a prudent and safe long term investor. Thanks for your wisdom and for continuously making a positive difference in people’s financial life!
Retired, Former CFO, IBM Malaysia (1978-2007)
Lieu is obviously an expert in this area. He was quick in offering answers & alternatives to the various questions & issues I raised. An eye opener as I was pleasantly surprised with a lot of new market insights Lieu and putting them into practical actions catered to my needs.
It gave me a different angle to look at REIT as a consistent and rather safe income generating asset class in the context of retirement financial planning.
General Manager – The Ritz-Carlton Hong Kong
The advisory sessions are conducted in no rush have been extremely helpful and have clarified a huge amounts of points which I wasn’t aware prior.
I now feel much better equipped to make the right decision being guided step by step by CF Lieu. Of course the decision will be entirely mine but having the expertise of an expert from Malaysia who clearly understand the law, the rules , the practices if extremely valuable.
Director of Manufacturing at Smith+Nephew, Penang
I really appreciate Ching Foo – he is very detailed – Always gives a lot of thoughts to me, always trigger my thinking so we can make the advisory more comprehensive…I really think he stands from Customer Standpoint
IT Professionals, Selangor
We confessed that we first came to Lieu with amateur grasp of the investing world, but walked away with total shift of mindset and perception.
We are very factual persons, and believe there is no point in putting our funds to work into something we don’t fully comfortably understand.
Lieu fills the knowledge gap nicely with his highly relatable yet simple explanations, citing real time data and events. A very fruitful course of 1on1 consultation sessions over 3 months!
Digital Marketing Specialist & O&G Compliance Manager
Lieu educates & empowers us to make financial decisions on our own term going forward, taking his advice only if it make sense or aligned to our goals at the time we need to make the decisions.
Further, he assisted us to uncover some issues we overlooked, then provided actionable solution to the issues via relatable real life examples.
The beauty of the many conversations throughout the 1on1 sessions? They were very fluid and interactive, yet concise and straight to the point.
Retired businessman/woman, Penang
Despite being an experienced business persons for 30+ years, CF Lieu has helped us understand the right approach to sustainable long term investing.
A breath of fresh air compared to sales agents we encountered thus far.
Truly, myself and wife know bits & pieces on investing here and there, but it’s not until we gone thru more than 10 hours of 1on1 session with him that we are able connect the dots.
I vouch for Lieu’s client-centric-ness approach to advisory.
Completions Project Engineer at Schlumberger
Lieu had been a great help in answering a lot of the overwhelming financial questions in our mind which keeps us from making decisive conclusions on many financial moves we want to make. He listens intently and at times, were able to anticipate what we want to ask before we actually ask it.
We appreciate his lively approach in advisory which not only delivers actionable steps to follow, but also keep us focused through and through.
It has been a great experience for us engaging him and we’d recommend him highly.
Senior Marketing Manager, Intelligent Money S/B
The clarity I got from Lieu’s 1on1 advisory sessions hits me like a boulder! Going forward, I now know how to ask The Right Questions whenever I engage with Financial Intermediaries.
That being said, I truly appreciate Lieu’s very clear & relatable explanation, using analogies that I am familiar with. And what to look out for, even when I am short of time, the unskippable MUST-KNOWs.
Big realization – when it comes to insurance & investment, Move Fast & Break things does NOT work; it is indeed very costly to fix or reverse a non-ideal financial decision.
But like they said – better late than never!
Director, Brand Management
Lieu took the effort to put himself into my shoes, truly showed me the light at the end of the tunnel to improve my current financial standing.
As a self-taught, DIY person, I was skeptical if I will get scammed or getting shallow advice which I already knew know about.
However, after 12+ hours of advisory sessions with CF, I can say I really appreciate his practical, honest and empathetic approach.
Gained higher confidence and peace of mind, with improved clarity to further capitalize on the things that I’ve done right so far, and also the exact actionable strategies I could implement to do maximize my early retirement goals moving forward.
Front Line Leader (Team Manager) at Abbott Singapore
I engaged Lieu all the way from Singapore at the moment where I was almost blindsided by an insurance agent. Lieu’s advice has ‘saved’ me in the nick of time for me to fix the matter I overlooked.
As an analytical professional lacking time and practical exposure in the many aspect of personal finance, I often times feel I can’t connect the dots. However, Lieu’s process-oriented advisory approach has given me utmost clarity I need to untangle a web of complication, giving me the confidence to move forward with actionable strategy.
Also, I actually casually ‘verified’ his recommendations with the Finance director friend and he concurred that Lieu’s advice does make sense and hold water.
Co-founder & Clinical Director, Miles Autism Academy
I was concerned about my 1st admission to private hospital after only getting my medical insurance in-force for less than 2 years, being aware of the contestability period.
However, my worry was quickly allayed when Lieu walked me through the step-by-step instructions I need to do to get my insurance company to issue me the required Guarantee Letter (GL) for cashless admission, without any hiccup or delay, before the planned hospital admission day.
Sure enough, the process of getting the GL was completed smoothly, all the way until hospital discharge. It was also due to the fact that Lieu has done the application process properly for me in the very beginning to avoid any claim or coverage dispute with the insurance company.
Overall, I had a good, hassle-free experience!
Staff Engineer, at WS Audiology Singapore
CF Lieu has been instrumental in structuring a workable children education funding roadmap for my 2 toddlers.
I need to strike a balance between sufficient financial protection during my most productive years without overpaying for insurance, while reasonably save + invest towards the goal of funding kids education fees with high certainty.
…achieve all of the above without negatively affect lifestyle me & husband enjoy (we like to travel as a family)
The approach has been transparent – aligned my budget and requirements. The 1on1 sessions had been crucial in saving me tens of thousands effortlessly, in the next 10-20 years.
General Manager @ Foshan Sancico Printing & Packaging, China
I feel at ease talking to you, CF. When I talk to you, I don’t feel scared.
Yes, you are the expert, I am the client but you don’t explain like you know everything while I know nothing. You get your message delivered on the spot, and if I’m not sure, you’ll explain more clearly.
If you ask me to give you points, I’ll give you straight away 100 💯 marks
Retired Insurance Professional, Indonesia
I feel Lieu truly listens intently to a client’s pain points and objective, before dispensing neutral advice, opinions and insights.
Truly a genuine advisor not a salesman.
You appear to be blunt and direct in your YouTube personality, but 1on1 sessions with you made me felt the warmth of a friend who put things in perspective in my best interest, not to mention made me feeling enlightened.
Really worth the advisory fees; in fact, I am actively encouraging my family members to engage Lieu for their own financial/retirement planning.
Operations Manager, Intel Kulim
Working with CF has really been a breath of fresh air. He has been most professional and efficient in all their services rendered.
The advisory approach by CF was structured and no fluff– he simplified it without missing the important points, yet not too much information to digest for a non-financial background person.
CF is really easy to work with and is prepared to give me + my wife time to discuss ideas, address concerns and solve problems.
I can safely say we have never experienced such comprehensive, integrated advisory approach, and we’ve since set our standards high.
Software Engineer, Microsoft US
Lieu is knowledgeable and articulate; he is non-judgmental yet honest.
He taught us our financial options as young professionals, how to evaluate our options, how to set goals, and how to execute our plans in ways that align with our values.
And in order to effectively offer his expert perspectives that helped us reframe our relationship with money, Lieu put in the effort to truly get to know us as people. Never once did he make us feel inadequate about what we did or what we did not yet know.
Combined with his friendliness and fun analogies, we highly recommend Lieu to anyone—regardless of age—who is looking for a trustworthy financial advisor.
Retired General Manager at Cargill Tropical Palm
I was in a situation where I need to consolidate and get my financial matters in order as retirement nears.
I have my own set of estimated figures, but I need a 2nd set of eyes to give me 2nd opinions if I overlooked anything.
As a ‘virgin’ in engaging an independent adviser, I was naturally skeptical when I first approached Lieu. But I jumped in anyway, so to speak, and Lieu was able to meet what I’ve expected from him.
I am not a person who easily sing people praises, but Lieu did deliver his stuff in terms of giving objective advice in the areas I was searching answers for.
I’d vouch for him if you are looking for independent financial advisory.
An educator who was previously a Chartered Financial Consultant in Singapore
Although my husband and I are trained in finance, we have been very busy with work and caring for our young children in recent years, therefore we engaged Lieu to handle our investment portfolio.
Lieu has been professional, knowledgeable, efficient & reliable. We like that we can communicate effectively over online, saving even more time for our family.
I have also engaged him to compare medical insurance options in Malaysia. The information he gathered is objective, insightful and detailed.
I would certainly recommend him to busy professionals who need independent and sound financial planning advice.
First female helicopter pilot in Malaysia
Lieu has given me a level of clarity I’ve never thought possible for my insurance policies – but most importantly, his 1on1 advisory helped me to significantly reduce my financial commitment so that I can focus on what that really matters to achieve my early ‘retirement’ and self-sufficiency goal.
I was skeptical at first, but by the end of the 1on1 sessions, I was delighted as he was able to understand what I want + articulate them better than I can – then solved them
Head of HR Services, APAC at Givaudan
The most useful part – you educate me on optimizing my spending & maximizing coverage at the lowest cost.
Saved more than RM 6,000 a year for the next 17 years, and that’s not taking into account investing this amount and compounded annually.
I like the common sense you advice on things and the details of it – even though I tend to forget but I still like the details you explained because I am a detailed person.
Principal Software Engineer, Tacklit
Gained so much clarity on my overall financial health and saved me significant amount of money for the things inside my insurance & personal tax which I don’t think I will ever find out by myself.
Also provided me preemptive measures to plan for my next 5 years and the financial mistakes to avoid. Trust me, I have asked ChatGPT but it asked me to consult a financial advisor instead – ChatGPT was right!
Airline Captain, Qatar Airways
There was a start, there was an end, but there is this Missing Link in between.
The 1on1 consult with Lieu made me realize is how to connect everything in the right way, just like a jigsaw puzzle.
Director of Library & Learning Commons (Monash University)
I am glad I took my son’s advice to get in touch with Lieu. After Lieu’s guidance, I gain confidence in making some major financial decisions for the next upcoming retirement phase of my life.
I honestly feel I underwent a tremendous positive financial transformation
Director & Film Maker
I appreciate Lieu’s down-to-earth and casual approach. He did tax planning, insurance advisory & retirement roadmapping for me.
I can say, I easily achieved 3x hard savings and ROI (return on investment) by engaging him 1 on 1 – that’s just in the first year!
Senior Geoscientist at PETRONAS
Lieu helped me understand the building blocks of investment, and helped me to understand my current investment portfolio at a deeper level.
He explained things in easy terminologies and used funny analogies, which made things easy to understand.
Afterwards, he would also provide the ‘best and worse case answer sheet’, which provides an alternative solution to my problem.
This was actual actionable and useful advice, and not just another generic advice which we can just get on the internet.
So not only did he teach me how to fish, he also cooked and served me the fish.
In the end, we achieved the objectives that we set out to achieve, and I am happy that I chose Lieu as my financial consultant. I also like to think that I’ve made a new friend along the way.
Business Owner & Dental Surgeon, Johor Bahru
The immediate positive outcome from it – we thought we had a conventional non-transferable MLTA for our first KL property purchase but then we discovered it is actually a personal investment-linked policy.
The banker from which we took the mortgage was supposed to send us the insurance policy, but didn’t – until we asked.
We probably saved RM 4,000 to RM 5,000 insurance premiums a year from needlessly buying another insurance policy when we bought a second property in JB – if we were to not know this until CF highlighted it to us.
Throughout our engagement, CF patiently answered even the most unintelligent questions from us without contempt.
And a very refreshing non-product pushing consultative approach, to say the least!
Manager, Honeywell Penang
Lieu gave me the most detailed analysis I could ever expect from a financial adviser on why I should restructure my existing insurance policies.
As many parents out there, I probably know I am under-insured, but not sure how much and how I could cover this coverage shortfall without incurring additional policy premium costs. Lieu showed me how this could be done, and we subsequently executed the strategy.
Lieu also optimize my loan repayments which I overlooked. If left unattended, I was made to realize that this could indirectly lead to my paying excessive interests to my financiers unnecessarily.
Last but not least, Lieu laid down a reasonably probable retirement and child education roadmap for us – the level of detail put into this is incredible. This serves as a compass for me and wife on how to how to manage internal and external factors affecting our retirement plan in the next 10 years.
Motion Graphic Designer, Mindvalley
Lieu’s financial coaching approach helped me rethink & instill that elusive sense of progress, direction and achievement in my personal finances.
He has also helped me tremendously in my business tax planning going forward, which I reckon, without his actionable advice, I don’t think I’d be able to sort things out in 10 years.
Very worthwhile investment in advisory fees compared to the value and clarity I have gotten out from the intensive 1on1 sessions.
Project Manager III at Smith & Nephew
Problem faced: An insurance policy that was unfairly imposed with both loading and exclusion (due to a recovered medical condition)
Solved: CF helped me to strategize a new insurance application that eventually got approved without any loading (premium penalty) or exclusion.
My response below says it all:
Penolong Pengarah Ukur (Seksyen Ukuran Hakmilik Tanah), Jabatan Ukur & Pemetaan Malaysia
Very good, relevant & enjoyable! Gave me Idea yang Bernas…
…you are like the Douglas Lim in financial sector
Assistant Manager, AEON Stores
I achieved mid 4 figures annual hard monetary savings when following Lieu’s advice when I engaged him to restructure my insurance policies as I was planning for retirement.
Consultation fee well worth it.
Lawyers @ KB Ou Yong & Co
Lieu’s direct advice has helped us pieced together the fragmented parts in our financial situation, confirmed the doubts we have & gave much clarity for us to make informed financial decisions for the better.
Owner-Director, Kensington Strata Management
This is CRAZY! I won’t be able to understand [investment articles] before I attend your 1on1 (consultation) session.
Gynecologist with Tropicana Medical Center
CF gave me ample of time to clear my doubts, me being not coming from financial background, albeit being an analytical person.
The process is like this – After coming out with the first drafts of the tax planning advisory reports, which CF will send to me to digest, then we will have discussions to clarify/fine-tune/amend the sections where required. The response time is good; CF is contactable and the follow-ups meet my expectation.
The advisory fees are not cheap – that’s what I feel when we started. However, I’d say it is certainly affordable. Only after I experienced the approach CF delivered the end result, I can vouch it is certainly worth the professional fees.
Assistant Manager Finance, Genting Malaysia
My consultation with Mr Lieu has been a fruitful journey in terms of ascertaining what is required in my financial goal.
He pinpoints out what I’m lacking and went on fixing that matter together with me. The session went so quickly because I was fixated by what was being adviced.
Would still get advices from Mr Lieu if I would required any financial advice
[This is where your testimonial will go after completing 1on1 consult, with your permission of course]
How Can We Help You Then??
WELL, Are any of your questions shown below?
I Cannot Find Enough Time Or Expertise to Plan for My Finances
- I want to Save Precious Time so I can focus on my job/biz
- Show me how to Strike a Balance so I can fund my child education adequately without jeopardizing my retirement nest egg
- Tell me whether what I’m currently doing is enough to Retire when I Want
- Help me chart a probable Retirement Roadmap for me so I don’t run out of money before running out of life
- Help me put together a Sustainable Income Replacement Plan based on my lifestyle and preference
- Advise me on the Cause and Effect of financial decisions I’m gonna make today
- Help me put a Stop to Financial Leakages which compound over time and derail my finances
I Need Independent Non Biased Second Opinion from a Professional
- My investments are underperforming, what to do next?
- I need to restructure my portfolio, what’s the better way?
- Is what I have and am currently doing good enough?
- Am I ahead or behind other people of my age and profile?
- Am I over/underinsured and/or overpaying for insurance?
- Anything I overlooked on my own finances/planning?
- How to best optimize my retrenchment benefit?
- Is there any low-hanging fruit I am not aware of, to accelerate towards my financial life goals?
- Guide me to Reduce Financial Mistakes by leveraging experience from people who’ve ‘been there, done that’
I am Feeling Stuck Trying to Get Actionable Financial Advice & Knowledge
- I want proper consultancy, not some sales talk or products pitches
- I don’t understand financial jargon & how they relate to each other
- I’m not able to make informed decisions due to information overload
- I am confused, frustrated & overwhelmed with what’s out there
- I don’t know how to start
- I’m not good with numbers, ringgit and cents – help me!
- I want to grow & optimize wealth with high certainty, ignoring external noises
- How to best optimize return, with the lowest risk in a volatile market?
- Help me Catch and Fix Financial Blind-spots before they snowball out of control
Who?
- Mainstream media Business Columnist (see here)
- Can’t do any sales talks or pushy sales pitches
- Only knows how to talk facts & data with you
CF Lieu’s Credibility & Authority in Corporate Space
CPE Workshops for Fund Management Companies
CE Workshops for Financial Institutions
Financial literacy webinar for KWSP
Financial Workshops for Malaysia Medical Association
CPE course for financial associations (FPAM)
Pro bono awareness talk
My Top Money Guides
Best Medical Cards in Malaysia: the most complete comparison
Hire an Authentic Financial Planner- 52 Trusted Tip Nobody Told You About
How to Invest in Stocks in Malaysia (beginner-friendly guide)
Top Dividend Yield Stocks in Malaysia
Stashaway Malaysia Review: 17 Exposing Secrets you didn’t know
CCRIS Check online – complete step by step guide
Private Equity Investment in Malaysia
Ultimate Guide to Malaysian Income Tax Relief
8 Reasons why your Value Investing isn’t Working and how to fix this
ASB Financing – How To Make 100k In 5 Years W. High Certainty
Retire in Malaysia – 7 Proven Ways to Stretch your Retirement Fund
Scary! These are the costs of medical procedures in Malaysia (updated)
How the Rich Buy & Invest in Commercial Properties in Malaysia
Easily Calculate your Retirement Shortfall in 37 seconds using this Retirement Calculator
Loan Compression – the (Forbidden) Open Secret in Malaysia Property Investing
EPF Withdrawal for Unit Trust Investment & other Purposes
Passive Income in Malaysia – 7 Secrets Exposed
19 Investment Options In Malaysia (Explained in Detail)
Financial Independence Retire Early (FI/RE) in Malaysia
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