Fateen Rosli - Licensed Financial Planner

Nobody plans to get divorced. 💔

That's exactly the problem. 🛑

In Malaysia, 60,457 divorces were recorded in 2024. 📊 That's 165 families every single day; 🗓️ each one probably said "this won't happen to us" when they got married. 💍

This weekend, I want you to watch Marriage Story on Netflix. 🎬🍿 I think this is the most financially honest film about divorce ever made. 📉

Not because it's depressing. 🚫 But because in two hours, it will show you more clearly than any financial textbook 📚 what happens to everything you've built together when a marriage ends without a plan. 🏚️

A contested divorce in Malaysia costs between RM43,000 and RM145,000, conservatively. 💸 That's legal fees on both sides. ⚖️ Court costs. 🏛️ Separate housing during proceedings. 🏠 A custody evaluator. 👨‍👩‍👧‍👦 Asset valuation. 🔍 Career disruption. 📉 The financial damage is not inevitable. But it does require a plan. 📋

I work with couples and individuals who want to make sure that whatever happens in life, their finances are structured to protect both people and the family they're raising. 🛡️ Not a divorce plan. A life plan. ✨

Fateen Rosli | FR 💼
Private Wealth Planner 🖋️

Adakah pengurusan kewangan kita terhenti setakat mencari duit sahaja? 🤔

Sebenarnya, menjana pendapatan hanyalah langkah pertama. Untuk memastikan kekayaan kita kekal relevan dan memberi manfaat dunia akhirat, ada 4 lagi fasa penting yang wajib kita ambil tahu:

🌱 Pemupukan Aset: Jangan biarkan duit gaji habis begitu sahaja. Tabung dan kembangkan harta melalui simpanan, pelaburan, pemilikan hartanah, atau perniagaan untuk jaminan masa depan.
🛡️ Pemeliharaan Kekayaan: Langit tak selalu cerah. Lindungi aset dan waris kita dengan takaful, sediakan tabung kecemasan, dan pastikan rekod aset kita didaftarkan dengan teratur.
🤲 Pembersihan Harta: Harta yang berkat adalah harta yang suci. Tunaikan zakat yang wajib dan banyakkan bersedekah untuk manfaat ummah.
📜 Pewarisan Harta: Jangan tinggalkan beban kepada waris. Rancang awal pembahagian harta melalui Wasiat, Hibah, Amanah, Wakaf, atau mengikut sistem Faraid supaya tiada pertikaian keluarga kelak.

Ingat pesan ini: Kekayaan adalah titipan amanah Allah yang wajib diuruskan dengan sempurna. Elakkan risiko harta pusaka beku yang merugikan waris dan menghalang mereka daripada menikmati hasil penat lelah anda!

Mari sebarkan kesedaran ini. Kongsikan (Share) post ini kepada ahli keluarga dan kenalan anda. Benda baik kita kongsi bersama! ✨

Untuk pengurusan harta, boleh hubungi saya : https://wealthvantage.bitrix24.site/fateen-lead

🤔 Skim LINDUNG 24 Jam PERKESO: Perlu Kekal atau 'Opt-Out'? Ini fakta yang anda wajib tahu.

Bermula bulan ini, pekerja tempatan diberi pilihan untuk mengecualikan diri (Opt-Out) daripada Skim LINDUNG 24 Jam PERKESO secara atas talian. Walau bagaimanapun, keputusan ini hadir dengan implikasi besar terhadap perlindungan kebajikan anda.

Berikut adalah 3 perkara utama sebagai panduan sebelum anda membuat keputusan:

Perlindungan Luar Waktu Kerja: Berbeza dengan skim biasa, LINDUNG 24 Jam melindungi anda sewaktu bercuti, p**ang ke kampung, atau melakukan aktiviti riadah/sukan.

Kos Caruman yang Sangat Rendah: PERKESO menyarankan pekerja kekal mencarum kerana nilainya jauh lebih mampu milik berbanding premium insurans swasta, menjadikannya tabung kecemasan yang efisien.

Pelepasan Liabiliti penuh: Pilihan untuk opt-out memerlukan anda menandatangani perakuan pelepasan liabiliti. Sebarang kemalangan luar waktu kerja selepas itu tidak akan ditanggung oleh PERKESO.

Pihak PERKESO juga akan menilai semula impak dana pilihan ini menjelang penghujung tahun 2026.

Bagaimana p**a dengan anda? Adakah anda memilih untuk Kekal Mencarum demi perlindungan maksimum, atau memilih untuk Opt-Out?

Sertakan pendapat anda di ruangan komen di bawah. 💬

🚨 The person who gets scammed is not who you think. 🚨
In the hit movie No More Bets —

💻 The programmer was one of the sharpest minds in his company.
📸 The model was successful, driven, and looking for her next big career move.
🎓 The graduate was educated, analytical, and confident he could beat the odds.

All three were completely destroyed. 📉

Not because they were foolish. Because the trap was designed specifically for people like them. 🎯

They were:
✨ Ambitious.
✨ Optimistic.
✨ Believers that effort and intelligence are enough protection.

Here's the uncomfortable truth about modern financial fraud: High-income earners and business owners are the most valuable targets. 💼💰 They have more to take, and they are often too proud to admit they’ve been caught until it’s too late.

📊 The Reality of Fraud in Malaysia
According to recent statistics:

74% of Malaysians encounter a scam attempt every single month.

Investment scams alone account for 23% of all cases.

The average victim is not poor, uneducated, or naive.

They are people just like your colleagues. Your customers. Maybe even you. 👥

The question is no longer whether a scam will reach you. The question is whether your financial structure is resilient enough to withstand it. 🛡️

🛡️ Secure Your Wealth Today
Don't rely on luck or intelligence alone. Real wealth protection requires a solid, independent financial blueprint.

📩 DM me "PROTECT" right now. Let's talk about what real financial protection and asset security look like for your future.

or Click here to start : https://wealthvantage.bitrix24.site/fateen-lead

—
Fateen Rosli | FR
Licensed Financial Planner

RM54 billion. That is what Malaysia lost to scams in 2024 alone.

Not to an economic downturn. Not to bad market investments.

It was lost to highly engineered, calculated, and deliberate financial fraud.

The scariest part? 74% of Malaysians encounter a scam attempt every single month, but only 2% of victims ever recover their money. In the world of financial fraud, protection happens before the trap closes, not after.

This weekend, do yourself a favor and watch No More Bets on Netflix. It’s a gripping film based on over 10,000 real fraud cases showcasing how even brilliant programmers and successful professionals get destroyed by perfectly designed psychological traps.

The exact tactics shown in the film are operating in Malaysia right now:

🛑 1. The Job Offer Trap: Fake overseas postings offering RM5k–RM15k/month that lead straight to human trafficking and scam factories.
🛑 2. The Pig Butchering Scam: Rigged fake investment platforms built on months of emotional manip**ation.
🛑 3. The Gambling Spiral: Engineered online casino apps operating openly on WhatsApp and Telegram.
🛑 4. The Crypto "Insider" Trap: Fabricated trading dashboards promising 30%–80% monthly returns.
🛑 5. The Mule Account Trap: Paying students or individuals RM500–RM1,000 to "receive and transfer" funds—resulting in permanent criminal records and frozen bank accounts.

When financial fraud is this sophisticated, standard common sense isn't enough. Real wealth management isn't just about growing your assets; it’s about aggressively protecting them.

Let’s review your financial safety net together and lock down your wealth before a single message changes everything.

👉 Click here to start : https://wealthvantage.bitrix24.site/fateen-lead
to book a brief financial clarity consultation, or DM me "PROTECT" to audit your financial security.

—
Fateen Rosli | FR
Licensed Financial Planner

Watching you be a real-life superhero to our kids is my absolute favorite thing. Happy Father’s Day to the man who is as smart as Iron Man, as strong as Hulk, and the absolute heart of our home. We love you! ❤️🦸‍♂️💼

⚽ The World Cup Tax: Is Your Wallet Ready? 💸
Nobody budgets for the World Cup. But everyone pays for it.

Every 4 years, millions of Malaysians unknowingly sign up for a 38-day spending spree — and it’s not the ticket price that hurts. It’s the slow, silent leak. 📉

🔍 Where Does the Money Actually Go?
It starts small, but it adds up fast:

👕 The Kit: A new jersey here... (RM250+)

📺 The Stream: A Unifi TV pass there... (RM50)

☕ The Mamak Sessions: Meeting up 3x a week adds up fast. (Have you noticed even eating and lepaking at the mamak is a wee bit expensive now? 🥡 RM15 × 12 = RM180)

🍟 The Match Snacks: Stocking up for those late-night games.

🍻 The Night Out: One sports bar visit that escalated.

🎲 The Fun: A "small bet" that somehow doubled.

👉 The Grand Total: You just paid RM800 for 38 days of football. That’s RM21 a day gone.

📉 The Real Cost of the "World Cup Tax"
That RM800 is money that didn't go into your ASB, your SSPN, or your emergency fund.

Let’s be clear: The money isn't the problem — enjoying life is 100% valid. ✅
The real problem is spending without knowing. It’s waking up in July and wondering why your savings didn't grow.

💡 How to Fix It (Without Missing the Games)
The fix isn’t to skip the mamak or miss out on the goals. It’s all about control:

1. Set a "World Cup Budget" (e.g., RM400 total).
2. Spend guilt-free within that limit.
3. Protect the rest of your hard-earned cash.

Conscious spending > Restrictive budgeting. Every single time. 🧠✨

👥 Share the Awareness!
📥 Save this post to keep your finances on track this season.
👇 Tag that one friend who has already bought 2 jerseys before the tournament even started!

Selamat Hari Raya Aidiladha buat seluruh umat Islam! 🕋✨

Semoga ibadah korban kita tahun ini mencerminkan keikhlasan hati dan membersihkan jiwa kita untuk menjadi hamba yang lebih bertaqwa. Selamat menyambut hari raya bersama yang tersayang!

Salam Aidiladha, Maaf Zahir & Batin.

Ikhlas daripada: Fateen Rosli & Keluarga 🤍

"Nanti pandai-pandailah waris bahagikan..."

Haa, ayat ni lah selalunya yang buat RM90 bilion harta dekat Malaysia ni tersangkut dalam sistem sampai bertahun-tahun! 😣🥲

Bila tak ada hitam putih yang jelas, proses nak tuntut harta boleh jadi rumit sangat. Dokumen hilang lah, waris tak sefahaman lah. Akhirnya, kebajikan orang yang kita tinggalkan terabai.

Sebagai Licensed Financial Planner, saya nak bantu korang mudahkan urusan ni siap-siap. Biar kita hidup tenang, waris pun senang kemudian hari.

Klik link di bio untuk set appointment sembang santai dengan saya minggu ni! ☕👇