Why they chose to engage CF Lieu when there are other choices out there

Real people, real stories...and a Taste of Tailored-to-your-Needs, Independent Advisory

I’ve had the extreme pleasure of working with an amazing group of clients since 2011.

While every client has a unique personality and story, the people we work with also tend to have very strong similarities.

Here’s a look at the typical clients we are currently servicing:

  • Our clients are married with kids, in their late 30's until late 50's.
  • Our clients consider themselves to be “conservative”. That means they are much more inclined to protect what they have while generating a decent enough return to live off of without having to take an extra amount of risk.
  • Our clients are busy professionals in their industry, may work overseas or constantly travelling, and hence like the flexibility of being able to work with us remotely - via email/Whatsapp/video conferencing
  • Our clients do not watch <fill in favorite media channel> all day, every day, and let daily swings in the market affect their long term financial plan.
  • Our clients realize that there is more to life than money. They take pride in spending time with their families, helping out the community, and living each day to the fullest.

In case that isn’t clear, here’s a typical profile of what our clients do not look like:

  • Our clients do not call us wanting to buy some penny stock that their co-worker told them about over lunch.
  • Our clients do not consider market news to be sound financial advice.
  • Our clients do not let one bad day in the market derail them from their long term financial goals.


My best clients from all over Malaysia stepped up to vouch for the value and clarity of my fee-based advisory to them.

Ready to achieve the same like them?

Check out how to become a client

Our clients BELIEVE in this:

"You can't go back and change the beginning, but you can start where you are and change the ending"

Clients' Testimonials

"I liked your approach of advising without financial jargons, just plain english, something I can relate." "Fees are affordable, and most importantly, from neutral perspective." "From medical perspective, you are prescribing medicine that you are actually eating."

Testimonials from Dr Hans Lim, 34 (Penang), married with 2 children, General Practitioner

"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"

Testimonials from Hong, Ling Seng, 43 (Penang), married with 2 children, Senior Engineering Director @ a Multinational company

"After your advice, I know what I should do...and know whether I am on the right path towards my goals or not"

Testimonials from Captain Sum Wei-Lymm, 26 (Penang), Commercial Pilot

Nharong Somchit

I’d vouch for him (CF Lieu) if you are looking for independent financial advisory.


As any mid-forty years old would tell you, I am in a similar 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 back in 2014 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.

It’s been years since I am his client and I’d vouch for him if you are looking for independent financial advisory.

Nharong Somchit General Manager at a U.S. multinational company

Mrs. Carol Teoh (Singapore and Kuala Lumpur)

Certainly recommend him (CF Lieu) to busy professionals who need independent and sound financial planning advice


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 and reliable. We like that we can communicate effectively over online meetings, 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.

Mrs. Carol Teoh (Singapore and Kuala Lumpur) an educator who was previously a Chartered Financial Consultant in Singapore
Ms Leong Ying Xuan (Penang)

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 I experienced has been client-centric & transparent – aligned my budget and requirements. Am now more aware of the real financial planning – it’s process-oriented, not product focused.

Also, the 1on1 sessions had been crucial in saving me tens of thousands effortlessly, in the next 10-20 years.

Ms Leong Ying Xuan (Penang) Senior Engineer at Motorola Solutions

Mr & Mrs Lo (60+)

I’d vouch for CF Lieu’s client-centric-ness and independent approach to advisory.


They say you can’t teach an old dog new tricks, so we had reservations when we first approached CF Lieu for investment advisory. My wife and I gave him the benefit of the doubt without much expectations.

After 1on1 sessions with him, we are happy to say that, despite being an experienced business persons for 30+ years, CF Lieu has helped us understand the right approach to sustainable long term investing, which is different from the approach to running a business.

We like the way he explained the focus on capital preservation and cash flow investing; that is a breath of fresh air compared to what we’ve encountered over the years.

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 and form a clearer picture on how to manage our retirement investing going forward.

Mr & Mrs Lo (60+) Retired businessman/woman, Penang

Brandon Loh (36)

Achieved 3x hard savings for my personal & business finances

I appreciate Lieu’s down-to-earth and casual approach. He did tax planning, insurance advisory and 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!

Brandon Loh (36) Independent Film Director, KL

Kuldip Singh, 60 (Melaka)

Injected much clarity to my post-retirement financial plan!

I have followed CF’s valuable sharing in this blog since its early days. But it was not until I engaged him 1-to-1 as my “retirement adviser” that I could really see the value of independent advice he could deliver. I consider myself financially savvy and comfortably retired than most – yet I think I need a lil’ help from an independent adviser who could advise me from different angles to manage my retirement nest egg – so like they say – I don’t run out of money before running out of life! CF injected much clarity in helping me with this area with his patience and dedication. I have no qualms in recommending CF to my relatives and friends who need independent financial advisory.

Kuldip Singh, 60 (Melaka) Retired, Ex Senior Manager at multiple MNCs
Samuel Wong, 31 & Dr Stephanie Tan, 27 (Johor Bahru)

Showed us what true fee-based financial planning is about

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! For example, he respected our decision focus on investing in property for now, although we are made aware by CF that our portfolio should consist of diversified liquid assets as well. A licensed financial adviser we would highly recommend to people not from the finance sector but trying to set their finances straight

See Sam & Stephanie Case Study Here

Samuel Wong, 31 & Dr Stephanie Tan, 27 (Johor Bahru) Business Owner & Dental Surgeon
Francis Ong (44)

Was skeptical, but realized the approach fits me perfectly

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. Another positively impactful improvement to wrap up year 2015.

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.

Francis Ong (44) Manager, Honeywell Penang
John Paul Wang SS, 33 (Kulim, Kedah)

Worth the professional fees, easy to work with

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.

See John Paul Case Study Here

John Paul Wang SS, 33 (Kulim, Kedah) Operations Manager, Intel
Saiful Amry Mahat, 39 (KL)

Clarity and Results

The most useful part of the advisory process was that on how you educate me on optimizing my spending on 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.

See Saiful Case Study Here

Saiful Amry Mahat, 39 (KL) HR IT Account Manager, Shell
Dr Thinakaran Malapan, 40 (Ipoh), married with 2 children

CF Lieu helped me to conduct a thorough tax planning for my private practice and investment portfolio. He came to me at the right timing of my career and, in turn I engaged him for fees-based advisory. I never would have thought a CFP can do advanced company & property tax planning, so I really credit CF for a a fee-based advisory nicely done – giving me and my wife much clarity on the overall big picture.

The approach

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. Evidently, there are aspects in my investment properties portfolio which needs to be fined-tuned. Without going into details, these “fine-tunes” saves me money in the long run which is way more than the fees charged. Also, cost savings tips and tricks I’d would not have known if I didn’t go thru the advisory process. I can vouch for CF in delivering quality advisory work to clients.

Dr Thinakaran Malapan, 40 (Ipoh), married with 2 children Gynecologist with Tropicana Medical Center
Ryan Yeap, 28 (Penang)

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:

Ryan Yeap, 28 (Penang) Engineer with a multinational company
Become a Client

Featured in the following media channels & organizations