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Elsie The Financial Planner
Your Trusted Independent Financial Advisor
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Children Education Planning
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Why Parents Should Rethink Education Costs Before It Affects Retirement
《为什么父母应该重新思考孩子的教育费用？》
5 Common Mistakes Parents Make in Education Fund Planning
《父母在教育基金规划中常犯的5个错误》
Ready for the Education Bill ?
你准备好孩子的教育开销了吗？
Taxation Planning
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《私人退休计划（PRS）是否适合每一位大马人？》
Is Private Retirement Scheme (PRS) suitable for every Malaysian?
Investment Planning
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《高薪族为何仍难安心退休？——T15常见的六大财务规划陷阱》
Why High Earners Still Struggle to Retire Comfortably: Six Financial Planning Pitfalls Facing the T15
全面投资规划：打造属于你的稳健财富成长之路
Building and Maintaining a Balanced Investment Plan That Fits Your Life
The Foundation of Holistic Investment Planning — Know Your Goals and Where You Stand
How to Choose the Right Unit Trust Fund — and Avoid My Costly Mistakes
《如何挑选合适的单位信托基金 —以及避免我曾经犯下的错误》
What Is the Real Essence of Investment?
投资的真正本质是什么？
《 投资不是冲进去就对了！你真的准备好了吗？》
Investing isn’t just jumping into the stocks market. Are you really ready?
美国关税是去全球化的催化剂？美国股票还值得买吗？
Are U.S. Tariffs a Catalyst for De-Globalization? Should You Still Invest in U.S. Stocks?
《你知道你到底在投资什么吗？》
Do You Know What You’re Investing In?
How stablecoins are used?
《稳定币为什么这么火？政府、机构、投资人都想要的原因不一样》
《特朗普加征关税，是保守主义？还是资本重新配置？》
Trump’s Tariff Push – Protectionism or Strategic Capital Reallocation?
《代币化基金：资产管理的下一场革命》
Tokenized Funds: The Next Revolution in Asset Management
《印度资金外撤，给我们投资的启示》
What the Capital Outflow from India Teaches Us About Investing？
《从新加坡债务发行增加，看个人投资的启示》
What We Can Learn from Singapore’s Rising Debt Issuance — For Our Own Investments？
Retirement Planning
Menu Toggle
《高薪族为何仍难安心退休？——T15常见的六大财务规划陷阱》
Why High Earners Still Struggle to Retire Comfortably: Six Financial Planning Pitfalls Facing the T15
《年薪一百万，为什么依然无法安心退休？》
Why a Seven-Figure Salary Still Isn’t Enough to Retire Comfortably?
《为什么三十代越赚钱越焦虑？》
Why Do People in Their Thirties Feel More Anxious as Their Income Increases?
《交叉点规则是什么？》
What If the 4% Rule Isn’t Enough? — A New Perspective with the Crossover Point
《退休时，如何安心花钱而不用担心“钱不够用”？》
How to Spend Money in Retirement Without Worrying About Running Out
《为什么退休后往往花得更少？》
Why Retirees Tend to Spend Less in Retirement
《为什么退休时，金钱其实是你最不需要担心的问题？》
Why Money Should Be the Least of Your Retirement Worries
《如何实现无忧退休》
How to Retire Worry-Free
马来西亚现在适合推行强制性的公积金（KWSP）每月提款制度吗？
Should Malaysia Really Enforce Monthly EPF Withdrawals Now?
《客户故事：一位50多岁企业主兼散户投资者的退休规划》
Client Story: Retirement Planning for a Business Owner and Retail Investor in His 50s
Cash Flow Management
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Financial Planning for Malaysians in Their 30s: A Practical Guide to Building Long-Term Security
《三十加族群的理财规划：为长期稳健与安心未来打好基础》
Personal wealth isn’t built from how much you earn — it’s built from the money you didn’t spend.
《个人财富不是靠收入堆出来的，是靠没花的钱堆出来的》
Working for Over 10 Years but Still Struggling to Save?
《工作十余年，却还是存不到钱？一个真实案例带来的提醒》
Are You a “New-Age Poor”? Here’s How to Build Your Financial Immunity.
《你是不是也中了“新型穷人”病毒？别担心，有疫苗！》
Life and Other Insurance Needs
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【A True Story】When Life Hits Hard, You Realize Why Insurance Matters
【真实故事】当风险来临时，你才知道保险的重要性
Understanding Time Value of Money in Insurance Planning
《了解保险规划中的货币时间价值》
Insurance Planning: Protecting Your Future
保险规划：守护你的未来
Client Story: Insurance Planning Clarity for a Professional in Her 30s (Malaysia)
《客户故事：一位30岁职场女性的保险规划之路（马来西亚）》
Estate Planning
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《生命的礼物》中的启示：遗产规划与传承规划
Lessons from The Ultimate Gift: Estate Planning vs. Legacy Planning
Home
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About Me
Services
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Learn More About Financial Planning Services
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How to Choose a Financial Advisor: Balancing Qualitative and Quantitative Factors
《如何挑选理财顾问：兼顾定量与定性因素》
Should You Engage a Fee-Based Holistic Financial Planner?
《您适合聘请收费制全方位理财规划师吗？》
What a Fee-Based Holistic Financial Plan Can Do for You
《收费制全方位理财规划能为你带来什么？》
Consultation
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Elsie The Financial Planner
Your Trusted Independent Financial Advisor
Main Menu
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Topics
Menu Toggle
Children Education Planning
Menu Toggle
Why Parents Should Rethink Education Costs Before It Affects Retirement
《为什么父母应该重新思考孩子的教育费用？》
5 Common Mistakes Parents Make in Education Fund Planning
《父母在教育基金规划中常犯的5个错误》
Ready for the Education Bill ?
你准备好孩子的教育开销了吗？
Taxation Planning
Menu Toggle
《私人退休计划（PRS）是否适合每一位大马人？》
Is Private Retirement Scheme (PRS) suitable for every Malaysian?
Investment Planning
Menu Toggle
《高薪族为何仍难安心退休？——T15常见的六大财务规划陷阱》
Why High Earners Still Struggle to Retire Comfortably: Six Financial Planning Pitfalls Facing the T15
全面投资规划：打造属于你的稳健财富成长之路
Building and Maintaining a Balanced Investment Plan That Fits Your Life
The Foundation of Holistic Investment Planning — Know Your Goals and Where You Stand
How to Choose the Right Unit Trust Fund — and Avoid My Costly Mistakes
《如何挑选合适的单位信托基金 —以及避免我曾经犯下的错误》
What Is the Real Essence of Investment?
投资的真正本质是什么？
《 投资不是冲进去就对了！你真的准备好了吗？》
Investing isn’t just jumping into the stocks market. Are you really ready?
美国关税是去全球化的催化剂？美国股票还值得买吗？
Are U.S. Tariffs a Catalyst for De-Globalization? Should You Still Invest in U.S. Stocks?
《你知道你到底在投资什么吗？》
Do You Know What You’re Investing In?
How stablecoins are used?
《稳定币为什么这么火？政府、机构、投资人都想要的原因不一样》
《特朗普加征关税，是保守主义？还是资本重新配置？》
Trump’s Tariff Push – Protectionism or Strategic Capital Reallocation?
《代币化基金：资产管理的下一场革命》
Tokenized Funds: The Next Revolution in Asset Management
《印度资金外撤，给我们投资的启示》
What the Capital Outflow from India Teaches Us About Investing？
《从新加坡债务发行增加，看个人投资的启示》
What We Can Learn from Singapore’s Rising Debt Issuance — For Our Own Investments？
Retirement Planning
Menu Toggle
《高薪族为何仍难安心退休？——T15常见的六大财务规划陷阱》
Why High Earners Still Struggle to Retire Comfortably: Six Financial Planning Pitfalls Facing the T15
《年薪一百万，为什么依然无法安心退休？》
Why a Seven-Figure Salary Still Isn’t Enough to Retire Comfortably?
《为什么三十代越赚钱越焦虑？》
Why Do People in Their Thirties Feel More Anxious as Their Income Increases?
《交叉点规则是什么？》
What If the 4% Rule Isn’t Enough? — A New Perspective with the Crossover Point
《退休时，如何安心花钱而不用担心“钱不够用”？》
How to Spend Money in Retirement Without Worrying About Running Out
《为什么退休后往往花得更少？》
Why Retirees Tend to Spend Less in Retirement
《为什么退休时，金钱其实是你最不需要担心的问题？》
Why Money Should Be the Least of Your Retirement Worries
《如何实现无忧退休》
How to Retire Worry-Free
马来西亚现在适合推行强制性的公积金（KWSP）每月提款制度吗？
Should Malaysia Really Enforce Monthly EPF Withdrawals Now?
《客户故事：一位50多岁企业主兼散户投资者的退休规划》
Client Story: Retirement Planning for a Business Owner and Retail Investor in His 50s
Cash Flow Management
Menu Toggle
Financial Planning for Malaysians in Their 30s: A Practical Guide to Building Long-Term Security
《三十加族群的理财规划：为长期稳健与安心未来打好基础》
Personal wealth isn’t built from how much you earn — it’s built from the money you didn’t spend.
《个人财富不是靠收入堆出来的，是靠没花的钱堆出来的》
Working for Over 10 Years but Still Struggling to Save?
《工作十余年，却还是存不到钱？一个真实案例带来的提醒》
Are You a “New-Age Poor”? Here’s How to Build Your Financial Immunity.
《你是不是也中了“新型穷人”病毒？别担心，有疫苗！》
Life and Other Insurance Needs
Menu Toggle
【A True Story】When Life Hits Hard, You Realize Why Insurance Matters
【真实故事】当风险来临时，你才知道保险的重要性
Understanding Time Value of Money in Insurance Planning
《了解保险规划中的货币时间价值》
Insurance Planning: Protecting Your Future
保险规划：守护你的未来
Client Story: Insurance Planning Clarity for a Professional in Her 30s (Malaysia)
《客户故事：一位30岁职场女性的保险规划之路（马来西亚）》
Estate Planning
Menu Toggle
《生命的礼物》中的启示：遗产规划与传承规划
Lessons from The Ultimate Gift: Estate Planning vs. Legacy Planning
Home
Menu Toggle
About Me
Services
Menu Toggle
Learn More About Financial Planning Services
Menu Toggle
How to Choose a Financial Advisor: Balancing Qualitative and Quantitative Factors
《如何挑选理财顾问：兼顾定量与定性因素》
Should You Engage a Fee-Based Holistic Financial Planner?
《您适合聘请收费制全方位理财规划师吗？》
What a Fee-Based Holistic Financial Plan Can Do for You
《收费制全方位理财规划能为你带来什么？》
Consultation
Retirement Planning
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