Lewis Lew, CFP, IFP

On the auspicious 9th day of Chinese New Year, we were honoured to welcome two lions dance to our office ushering away bad luck and inviting good fortune, prosperity, and abundance for the year ahead! 🧧🍊🎉🎊

Wising everyone Heng Ong Huat Ahhhh~

Bygones be bygones, 2025 ✨
Here’s to a new me, a new mindset, and new plans for 2026.

Honored to be part of the Finwealth Academy crew.
Stay tuned for what’s coming next year!

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Time really flies — can’t believe it’s already my 4th year doing this as part of our CSR initiative! Grateful for the opportunity to continuously promote the importance of proper, regulated financial planning to the public. 💼✨

If you’ve been curious, worried, or unsure about your finances, this is your chance.
I’ll be offering FREE 1-to-1 financial planning sessions (1 hour) where you can openly discuss:

✅ Budgeting & cash flow
✅ Investments & savings
✅ Insurance & risk protection
✅ Retirement strategy
✅ Children’s education
✅ Any financial doubts you’ve been keeping to yourself

It’s a private and confidential conversation — no judgment and no selling.
Just honest guidance to help you gain clarity, confidence, and direction. 💛

There are 20 counters open with close to 80+ financial planners on duty on these 3 days event. Take the first step toward a healthier financial future. 🚀

This month has been full of financial planning roadshows and events! 🎉

Last week, I had the opportunity to join MFPC’s booth event at Securities Commission Malaysia, Bukit Kiara, where we shared with university students what financial planning is really about. It was a great initiative by MFPC to raise awareness and expose young people to this meaningful and growing industry.

Throughout the event, many experienced practitioners were invited on stage to share their insights and answer questions from the public — because truth is, many still don’t fully understand what the financial planning profession actually does. 💬

As we celebrate World Financial Planning Month, I truly hope more Malaysians will take the time to understand the importance of financial planning — not just for managing money, but for building confidence, clarity, and peace of mind. 💡

Let’s embrace financial planning with an open heart, and not keep our money worries hidden away. 🌱

Thank you Financial Planning Association of Malaysia for inviting us to conduct 1-to-1 financial planning consultations for the students at Heriot-Watt University as part of World Financial Planning Month. 🌟

It was truly our pleasure to share our expertise with these bright young minds — many are already dreaming big, planning ahead, and some even aspire to give back to the community through their future careers and businesses.

Financial planning isn’t just about numbers or investments — it’s about building clarity, managing emotions and expectations, and finding balance between your goals, gains, and life’s uncertainties. 💡

We hope this experience inspires more students to start their financial journey early — to save with purpose, protect what matters, and grow their wealth wisely. 🌱

Grateful once again to FPAM and Heriot-Watt University for the opportunity to share and nurture our future generation of financially savvy leaders. 🙏

Recently, I had the privilege of speaking to around 50 dedicated educators at 坤成中学 on “Why Teachers Should Start Planning for Retirement — Lessons from COVID-19 & EPF Withdrawals.” 🎓

To every teacher, yours is one of the most honored professions. You shape values, build thinking skills, and guide our children from young age. Malaysia’s future literally sits in your classroom. So thank you for showing up, day after day. ❤️🍎

𝗞𝗲𝘆 𝗺𝗲𝘀𝘀𝗮𝗴𝗲 𝗳𝗿𝗼𝗺 𝘁𝗵𝗲 𝘀𝗲𝘀𝘀𝗶𝗼𝗻:
Even if you have a pension and EPF, don’t rely on them alone. The pandemic years and special withdrawals taught us a hard truth which was short-term shocks can derail long-term retirement goals if there’s no separate plan. As of late 2024, only about 36% of active formal EPF members are on track with age-based Basic Savings. It is a reminder to all of us to build additional buffers beyond compulsory contributions. (𝘚𝘰𝘶𝘳𝘤𝘦: 𝘩𝘵𝘵𝘱𝘴://𝘸𝘸𝘸.𝘬𝘸𝘴𝘱.𝘨𝘰𝘷.𝘮𝘺/𝘦𝘯/𝘸/𝘦𝘱𝘧-𝘳𝘦𝘭𝘦𝘢𝘴𝘦𝘴-𝘣𝘦𝘭𝘢𝘯𝘫𝘢𝘸𝘢𝘯𝘬𝘶-𝟤𝟢𝟤𝟦/𝟤𝟢𝟤𝟧-𝘢𝘯𝘥-𝘳𝘦𝘵𝘪𝘳𝘦𝘮𝘦𝘯𝘵-𝘪𝘯𝘤𝘰𝘮𝘦-𝘢𝘥𝘦𝘲𝘶𝘢𝘤𝘺-𝘧𝘳𝘢𝘮𝘦𝘸𝘰𝘳𝘬)

𝐖𝐡𝐲 𝐭𝐡𝐢𝐬 𝐦𝐚𝐭𝐭𝐞𝐫𝐬 𝐧𝐨𝐰 (𝐩𝐨𝐬𝐭-𝐂𝐎𝐕𝐈𝐃):
Emergency withdrawals provided relief, but they reduced many members’ retirement balances—analyses estimate over RM145 billion flowed out across the pandemic-era schemes. Rebuilding is crucial so today’s needs don’t steal tomorrow’s dignity. (𝘚𝘰𝘶𝘳𝘤𝘦: 𝘩𝘵𝘵𝘱𝘴://𝘸𝘸𝘸.𝘮𝘰𝘧.𝘨𝘰𝘷.𝘮𝘺/𝘱𝘰𝘳𝘵𝘢𝘭/𝘦𝘯/𝘯𝘦𝘸𝘴/𝘱𝘳𝘦𝘴𝘴-𝘤𝘪𝘵𝘢𝘵𝘪𝘰𝘯𝘴/𝘳𝘮𝟣𝟦𝟧-𝘣𝘭𝘯-𝘦𝘱𝘧-𝘴𝘢𝘷𝘪𝘯𝘨𝘴-𝘸𝘪𝘵𝘩𝘥𝘳𝘢𝘸𝘯-𝘶𝘯𝘥𝘦𝘳-𝘤𝘰𝘷𝘪𝘥-𝘳𝘦𝘭𝘢𝘵𝘦𝘥-𝘸𝘪𝘵𝘩𝘥𝘳𝘢𝘸𝘢𝘭-𝘱𝘳𝘰𝘨𝘳𝘢𝘮𝘮𝘦𝘴)

Let’s talk risks teachers face outside the classroom, too.
Educators have increasingly appeared in scam reports. Most recently, a Penang teacher lost RM511,000 to a “Facebook stock” investment scheme. If something promises “guaranteed returns” or pressures you to pay quickly, pause and verify. (𝘚𝘰𝘶𝘳𝘤𝘦: 𝘩𝘵𝘵𝘱𝘴://𝘸𝘸𝘸.𝘮𝘢𝘭𝘢𝘺𝘮𝘢𝘪𝘭.𝘤𝘰𝘮/𝘯𝘦𝘸𝘴/𝘮𝘢𝘭𝘢𝘺𝘴𝘪𝘢/𝟤𝟢𝟤𝟧/𝟢𝟧/𝟣𝟤/𝘥𝘶𝘱𝘦𝘥-𝘣𝘺-𝘥𝘦𝘴𝘵𝘪𝘯𝘺-𝘱𝘦𝘯𝘢𝘯𝘨-𝘵𝘦𝘢𝘤𝘩𝘦𝘳-𝘭𝘰𝘴𝘦𝘴-𝘳𝘮𝟧𝟣𝟣𝟢𝟢𝟢-𝘵𝘰-𝘧𝘢𝘤𝘦𝘣𝘰𝘰𝘬-𝘴𝘵𝘰𝘤𝘬-𝘴𝘤𝘢𝘮/𝟣𝟩𝟨𝟦𝟤𝟪)

If you’re ever scammed or suspect a transfer:
Call the NSRC 997 hotline immediately (8am–8pm daily). The faster you act, the higher the chance of freezing funds and tracing transactions. Then notify your bank. For more info, please visit 𝘩𝘵𝘵𝘱𝘴://𝘯𝘧𝘤𝘤.𝘫𝘱𝘮.𝘨𝘰𝘷.𝘮𝘺/𝘪𝘯𝘥𝘦𝘹.𝘱𝘩𝘱/𝘦𝘯/𝘢𝘣𝘰𝘶𝘵-𝘯𝘴𝘳𝘤

A simple Retirement Action Plan for Teachers

🎯 Create a separate “Retirement Bucket.” Automate a fixed monthly top-up (standing instruction).
🎯 Diversify sensibly. Balance safety (cash/fixed income) with growth (equities/unit trusts/PRS) according to your risk profile—review yearly.
🎯 Rebuild what COVID withdrawals reduced. Set a 12–24 month catch-up plan to restore your long-term target.
🎯 Shield the plan. Maintain 3–6 months emergency cash and appropriate protection (medical/CI) so one crisis doesn’t trigger another.
🎯 Audit for scams. No urgent payments, no unknown links, no “investment admins.” Verify licenses on official sites and keep loved ones in the loop.

If you’re a teacher (or love one), I’m here to help you turn uncertainty into a clear, doable roadmap. Follow for more checklists, templates, and bite-size guides—and share this with a colleague who might need it. 💬

Grateful to the Financial Planning Association of Malaysia for the opportunity, and a special thank-you to Ong for her the superb assistance throughout.

Have you and your partner ever argued about money?How did you handle it?