Personal Financial Planning

Cash Flow Management

A simplest concept to create wealth is to have a better cash flow management.

But how do you improve your cash flow management? The answer is very simple: Earn more and spend less. Cash Flow management is simply manage the inflow (income) and outflow (expenses) and thus create a saving and this saving will become bigger wealth over time.


Networth Analysis & Management

A balance sheet shows the assets, liabilities, and net worth of an individual or entity at a given point in time. In other words, it is a snapshot or statement of financial position on a specific date. By identifying the individual networth, one will know his financial position.



Saving & Investment

Saving means different things to different people. To some it means putting money in the bank. To others it means buying stocks or contributing to a pension plan. But to economists, saving means only one thing—consuming less in the present in order to consume more in the future.


Tax Planning

Tax planning is another area that could assist us to fully utilized our financial capability and also optimised on the amount of tax to be paid.


Inheritance & management

Proper inheritance planning and management is important in order to preserve wealth inherited from family. We help to appoint the right party or trustee to manage inheritance for clients. 


Will & trust

A will includes specific directions on how you wish your estate to be distributed after your death, including provisions for any tangible personal property that you may own - jewelry, furniture, and the like, as well as naming guardians for any minor children.


Income protection

Almost everyone recognizes the importance of protecting homes and cars with quality insurance coverage, but what about protecting the most important asset? Homes are certainly valuable assets, and cars are too, but what about income? The ability to earn an income is a valuable asset.


Retirement planning

There are two components in retirement income planning: Personal Planning and Financial Planning. Personal planning is important because it is the determining factor of your satisfaction with your retirement lifestyle. You might need to look into retirement planning from early 30’s in order to build your desired retirement lifestyle.


Estate planning

Estate planning helps individual to distribute their wealth and estate effectively. Will and trust or insurance might be used as tool to ensure the proper transfer of estate.


Children tertiary education planning

Children education is the biggest gift parents can give to their children. Proper education planning is inclusive of calculating the future value of the possible expenses needed for education fund. Many aspects need to be considered such as inflation, country of the institution, currency and etc.



Our Address
Nuovo Paradigm Sdn Bhd (779914-D)
Unit No: 1017, Block A, (Lobby 5)
10th floor, Damansara Intan,
No. 1, Jln SS20/27, 47400, Petaling Jaya,
Selangor Darul Ehsan, Malaysia.




T: +603 7733 0629
F: +603 7733 0629


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