An Overview
1.1) The Development Of The Financial Planning Industry In Malaysia And Worldwide
1.2) The Economic Environment And Its Effects On Financial Planning
1.3) Regulatory Controls And Practices Affecting Financial Planning
1.4) Professional Code Of Ethics And Licensing

The Nature And Scope Of Financial Planning
2.1) The Seven Ages Of Financial Health
2.2) Introduction To Lifetime Financial Plan
2.3) Budget Planning
2.4) Managing Cash Flow And Basic Needs
2.5) Risk Management And Insurance Planning
2.6) Investment Planning
2.7) Tax Planning
2.8) Retirement Planning
2.9) Estate Planning
2.10) The Objectives Of Financial Planning
2.11) Financial Planning Process

Risk Management And Insurance or Takaful Planning
3.1) Fundamental Concepts In Risk Management
3.2) Role Of Risk Management In Financial Planning
3.3) Factors Affecting Life Insurance or Takaful Needs

Investments and Wealth Creation Planning
4.1) Concept Of Investment
4.2) Personal Financial Objectives That Require Investment Instruments
4.3) Categories Of Investment Assets
4.4) Investment Risk And Returns
4.5) Real After Tax Rate Of Return
4.6) Various Financial Assets used in Planning, i
4.7) Conventional and Islamic Products
4.8) Insights On Risk Tolerance In Financial Decisions

Income Tax Planning
5.1) Introduction to Malaysian Taxation
5.2) Tax Planning for Employees
5.3) Tax Planning For Businesse

Retirement Planning
6.1) The Retirement Planning Process
6.2) Creating A Retirement Plan
6.3) Retirement Needs Analysis
6.4) Determination Of Financial Objectives At Retirement
6.5) Calculation Of Retirement Fund To Meet Objectives
6.6) Availability of Non Funded Safety Nets
6.7) Analysis Of Current Assets And Liabilities And Retirement Expenses
6.8) Inclusion Of Inflation Factor In The Calculation Of Retirement Expenses
6.9) The effect of Changing Demographic on Retirement Planning
6.10) Sources of Retirement Income
6.11) Overcoming Inadequate Retirement Resources

Estate Planning
7.1) The Concept Of Estate Planning
7.2) The Estate Planning Process: Accumulation, Conservation, And Distribution Of The Estate
7.3) Types Of Property: Business And Individuals, Probate And Non-Probate
7.4) Overview Of The Tools Used In Estate Planning
7.5) Tax Implication Of Estate Planning

The Basis of the Plan
8.1) Understanding The Client
8.2) The Data Gathering Process
8.3) Financial Analysis Of Data
8.4) Understanding Of Strategies To Meet Needs
8.5) Plan Preparation
8.6) Plan Implementation
8.7) The Review Process

Q1 : Why should I hire a financial planner to manage my money?
A1 : A financial planner will be able to connect all of the financial dots in order to provide you with an overall plan to meet your financial goals. He or she should have training and experience in all kinds of financial products and financial aspects of your life – equities, bonds, insurance, taxes, and estate planning – in order to make the right recommendations for your personal situation. A financial planner can also save you thousands of dollars in tax deductions and find higher-yielding investment products at little or no extra risk.

Q2 : How much does a financial planner cost?
A2 : The fees will vary depending on the education and experience level of the financial planner, and how the fees are assessed. In general, a financial planner will charge based on one of two ways: commission or fee-only. If the planner charges based on commission, the amount will usually be a percentage of each transaction or assets under management. If the compensation structure is fee-only, he or she will typically charge an hourly rate or will quote a specified fee for the services provided.

Q3 : Which certifications should my financial planner have?
A3 : There are a number of different financial planning certifications. While a financial planning professional can have any of several designations or certifications, at the very least you should make sure that he or she is licensed and in good standing with the licensing authority. Three of the most common designations are Certified Financial Planner, Chartered Financial Consultant, and Registered Investment Advisor. A Certified Financial Planner (CFP) has competency and experience in all areas of financial planning. A CFP has completed courses of study in over 100 topics of financial management including equities, taxes, and retirement planning. He or she must also follow the Certified Financial Planner code of ethics. A CFP has a fiduciary responsibility. A Chartered Financial Consultant (ChFC) also has extensive experience in helping individuals assess their financial goals. In order to obtain the ChFC certification, a candidate must complete the program and pass the tests administered by the American College. A Registered Investment Advisor (RIA) doesn't need any special training or certification. However, a RIA must be registered with the security agency of the state in which he or she does business, and must also be registered with the Securities and Exchange Commissio