What is an independent financial adviser in Malaysia?

An independent financial adviser (IFA) in Malaysia is licensed by Bank Negara Malaysia and is not tied to any single insurance or investment company. They can recommend products from multiple providers, ensuring advice is in the client's best interest.

What services does Ben Ong Advisory offer?

Ben Ong Advisory offers comprehensive financial planning services including retirement planning, life and protection insurance, education fund planning, unit trust investment advisory, business owner planning, and estate and legacy planning.

Is the first consultation free?

Yes. The first consultation is complimentary and carries no obligation. Ben personally reviews your financial situation and outlines a clear, actionable direction for your goals.

Do I need to be wealthy to engage a financial adviser?

No. Most clients are working professionals with steady income and multiple competing goals. The earlier planning starts, the more compounding and protection can work in your favour.

Independent · CFP® · Malaysia

Money that grows.
Cover that holds.

Q: Is Ben Ong a licensed financial adviser in Malaysia?

Yes. Ben Ong (Ong Ghee Chyuan) is a CFP® certified Senior Independent Licensed Financial Adviser under Yes Financial Berhad, approved by Bank Negara Malaysia and licensed by the Securities Commission Malaysia. His licence can be verified on the SC Malaysia public register under the name Ong Ghee Chyuan.

Two things decide whether your plan survives the next 20 years: where your money sits, and how well you are covered. I sort out both — as a licensed adviser paid to advise you, not to sell you a product.

See your retirement gap — free, instant, no sign-up
Choice from 60+ insurers & fund houses, not one company
First consultation is free — no obligation, English or 中文

01 Plan my money A portfolio built around your goals — retirement, education, standby fund — and monitored with you year after year, not left to drift. Ask Ben — free → 02 Compare my insurance Same cover, lower premium. I compare 10+ insurers and shape the plan around what you actually need. Ask Ben — free →

Or check my retirement gap first →

Ben Ong

Independent Licensed Financial Adviser · CFP®

SC Licensed

2018

Advising since

60+

Insurance & fund partners

CFP®

Certified Financial Planner

Product pushing

Panel Partners

Our Panel of Solutions

As a Senior Independent Licensed Financial Adviser under Yes Financial Berhad, I can choose from a full panel of life insurance, takaful, international insurance and fund providers — so the advice fits you, not one company's product shelf.

Protection · Insurance & Takaful

Life Insurance & Family Takaful

International Insurance (Regulated by Labuan Financial Services Authority)

Growth · Fund Managers & Platforms

Investment Platforms & Local Fund Managers

Participating International Fund Managers

* Panel subject to Yes Financial Berhad's approved list. Solutions recommended based on individual needs assessment and suitability. General insurance products excluded.

What I Help With

Six money worries, sorted out one by one.

Plain advice, in plain words. We start with what matters most to you now, not with a product.

Insurance & Protection

If you fall ill, get hurt or pass away, your family still has bills. We check what cover you already have, what is missing, and what you can drop.

Retirement

How much you need to stop working, and how much to put aside from today. Includes your EPF, so you stop guessing.

Children's Education

University costs more every year. We work out the future fee, then a monthly amount that gets you there without a study loan.

Growing Your Money

Funds picked to match how much ups and downs you can live with — spread out, reviewed, and explained in normal language.

If You Run a Business

What happens to the company if a key person is gone. Cover for partners and staff, plus a clear plan for who takes over.

Passing Money On

Your money should reach the right people quickly, without a court fight. Wills, nominations, hibah and trusts, kept simple.

Panel trustee Yes Trustees Berhad

Talk to Ben about this →

Free · Instant · No sign-up

Move the sliders. See how long your money lasts.

Your savings years and your spending years, in one picture — adjusted for rising prices, with a good and a bad market scenario.

Your numbers Live

Your age35

Retirement age55

Monthly spending todayRM 4k

Savings & investments nowRM 150k

You save each monthRM 2k

Return per year6.0%

Prices rise per year3.5%

Saving → Spending · to age 90

Expected Good / bad markets Retirement

Saved by retirement

—

You will need

—

Money lasts until

—

Save extra / month

—

A simple estimate. A full plan also counts your EPF dividends, tax and how much risk you are happy to take — that is what a free consultation is for.

Get My Full Plan — Free

Common Questions

Asked often, answered plainly.

An independent financial adviser is licensed by Bank Negara Malaysia and is not tied to one insurance or investment company — so the advice can come from the whole market, with your interest first.

Insurance and protection, retirement, children's education, growing your money through funds, business owner planning, and passing money on to your family.

Yes. Ben Ong (Ong Ghee Chyuan) is a CFP®-certified Senior Independent Licensed Financial Adviser with Yes Financial Berhad, approved by Bank Negara Malaysia and licensed by the Securities Commission. You can check the licence on the SC public register any time.

Yes — free, and with no obligation. I look at your situation personally and give you a clear direction you can act on.

No. Most of my clients are working people with a steady income and several goals at once. The earlier you start, the more time does the heavy lifting for you.

Years in Industry

About

Ben Ong Ghee Chyuan

Independent Licensed Financial Adviser · CFP® · Yes Financial Berhad

A Certified Financial Planner (CFP®) with Yes Financial Berhad, approved by Bank Negara Malaysia and licensed by the Securities Commission. Since 2018 I have sat only on my clients' side of the table — no quotas, no house brand to push — in English or 中文.