Licensed Financial Planner, representing YES Financial Berhad
Money matters, explained simply. Planning that fits your real life.
For young families, busy business owners and our uncles and aunties. I help you understand your protection, retirement and savings in plain words, so you can decide calmly and at your own pace.
I work with clients across Malaysia, including foreigners with a Malaysian address, and with Malaysians living or working overseas (subject to the laws of the country where you live and each product's terms). Eligibility depends on each product's terms and your residency.
WhatsApp chats are handled as described in the Privacy Notice (PDPA) / Notis Privasi (Bahasa Malaysia).
Please check any adviser before you share your details. My licence and registration numbers are listed below so you can look them up on the official public registers yourself.
Licensed representative of YES Financial Berhad, the principal named on the SC register. Status: Valid when checked on 8 Nov 2026.
Verify on the SC public registerUnit Trust Scheme (registered Jul 2020) and Private Retirement Scheme (registered Jun 2022), both with YES Financial Berhad.
Verify on the FIMM consultant searchFinancial Adviser's Representative of YES Financial Berhad, shown in BNM's List of Financial Adviser's Representatives (as at 29 Feb 2024).
Check the BNM FSP DirectorySC and FIMM register details checked on 8 Nov 2026. The BNM list shown is as at 29 Feb 2024. Always use the official registers for the latest status.
Full licence disclosure is shown at the bottom of this page.
Five areas of work, each explained in the district that follows.
Retirement, your children's education and passing on what you have built. One step at a time.
Make sense of your EPF and Private Retirement Scheme (PRS), estimate what you may need, and plan the steps to get there.
Start early and plan steadily for school, college and university costs.
Wills, nominations and trusts explained simply, so you can think through how you would like your assets to be passed on. Where a will or trust is needed, I can refer you to a licensed trust company or a lawyer.
If your family has links overseas, such as children studying abroad or relatives living in another country, it helps to understand how things like currency movements and where you live can affect your plans. I can explain the general points to think about, in plain words.
General education only. No product is offered in this section. Any product I discuss with you will be one that is available in Malaysia through YES Financial Berhad. Any planning is subject to each product's terms, your residency and applicable regulations, including the laws of the country where you live. For tax or legal questions, please speak to a qualified tax adviser or lawyer.
Cover sized around your family's needs and commitments, explained clearly before you decide.
Hospital and critical illness cover, including a plain walk through of what is and is not covered.
Key person cover and buy and sell arrangements that help protect your business and your partners.
We look at the cover you already have, see where there may be gaps, and talk through options that fit your budget. Please do not cancel or replace an existing policy before getting advice, as you may lose benefits or pay more.
Investing matched to your goals, timeline and comfort with risk.
A voluntary way to save for retirement alongside your EPF. PRS funds are investments too.
Goals, timeline and risk comfort come first, before choosing anything.
All investments carry risk and values can go down as well as up. Past performance is not indicative of future performance.
The product providers below are shown with the same wording and logo images as on my panel cards.
I may assist you with Unbiased & Holistic Insurance Planning
I may assist you with Unbiased & Holistic Wealth Management Saving Strategies
Life is Easier. By Planning. Compare. Choices. Comprehensive.
Panel list shown for information. Availability of any product depends on YES Financial Berhad's distribution arrangements, the product's terms and your eligibility and residency. Listing does not imply endorsement by any provider.
Upcoming talks will be announced here.
I'm James Chuah (Chuah Jun Yin), a Licensed Financial Planner representing YES Financial Berhad in Malaysia. On my page 小蔡谈理财, I share money tips in everyday language, because good planning should not feel complicated.
I can speak with you in English, Bahasa Malaysia, Mandarin or Cantonese. Product documents and forms are usually in English or Bahasa Malaysia.
I work with clients across Malaysia, including foreigners with a Malaysian address, and with Malaysians living or working overseas (subject to the laws of the country where you live and each product's terms). Eligibility depends on each product's terms and your residency.
When we meet, I listen first. Then I explain your options clearly, and give you the time you need to decide. No jargon, no rush.
A Personal Financial Review is how we start. The steps below are what that usually looks like.
The quickest way is WhatsApp. Or leave your details and I will get back to you to arrange a time that suits you.
I can speak with you in English, Bahasa Malaysia, Mandarin or Cantonese. Product documents and forms are usually in English or Bahasa Malaysia.
Chat with me on WhatsAppBy messaging me on WhatsApp, you agree that I may use your number and messages to reply to your enquiry, as described in the Privacy Notice (PDPA) / Notis Privasi (Bahasa Malaysia). WhatsApp is run by Meta and may store data outside Malaysia. Please do not send your NRIC, bank or health details.
The first chat is free of charge and there is no obligation to buy anything. If you choose a financial plan or a product, any fees, charges or commissions will be explained to you in writing before you decide.