Independent Financial Adviser · Malaysia

Your Future,
Thoughtfully Planned.

Institutional-grade planning tools — completely free. Calculate your retirement corpus, education fund, mortgage repayment, and monthly cash flow in minutes.

Free Tool
Retirement Planning

Project your retirement corpus, assess income sustainability and calculate your exact monthly savings target.

  • Corpus projection with inflation
  • Sustainability runway analysis
  • Monthly savings target
  • PDF report by email
Begin Now
Free Tool
Education Fund Planning

Calculate the inflation-adjusted cost of your child's university education and build a monthly savings plan.

  • Future education cost modelling
  • Education inflation projections
  • Monthly savings target
  • PDF report by email
Begin Now
Free Tool
Mortgage Loan Calculator

Instantly calculate your monthly repayment, total interest cost, and see a full amortisation breakdown.

  • Monthly instalment calculation
  • Total interest & cost summary
  • Year-by-year amortisation
  • Affordability check
Calculate Now
Free Tool
Cash Flow Analysis

Map your monthly income against expenses to reveal your true savings capacity and financial health score.

  • Income vs expense breakdown
  • Monthly surplus / deficit
  • Savings rate benchmark
  • Financial health score
Analyse Now
What I Offer

Comprehensive Advisory Services

From foundational protection to sophisticated wealth structuring, every service is tailored to your personal financial journey.

Life & Protection Planning

Comprehensive insurance analysis covering life, critical illness, disability, and medical coverage. Ensuring your family is financially protected against life's uncertainties.

Retirement Planning

A structured roadmap to achieve financial independence at your target retirement age — covering EPF optimisation, private savings strategies, and sustainable income drawdown.

Education Fund Planning

A dedicated savings and investment strategy to fully fund your child's university education — whether locally or abroad — accounting for education inflation and your timeline.

Investment Planning

Portfolio construction and unit trust advisory aligned to your risk tolerance and financial objectives. Building long-term wealth through disciplined, diversified investment strategies.

Business Owner Planning

Specialised advice for business owners including keyman insurance, partnership protection, employee benefits structuring, and business succession planning.

Estate & Legacy Planning

Structured solutions for wealth transfer and estate distribution, including hibah, nomination, and trust arrangements to ensure your legacy is preserved and efficiently passed on.

Get in Touch

Ready to Build Your Wealth Plan?

Schedule a complimentary, no-obligation consultation. I will personally review your financial situation and outline a clear, actionable plan for your goals.

Email
benong.insurance@gmail.com
Website
www.benongadvisory.com
Location
Malaysia
WhatsApp Consultation
Ben Ong — Senior Licensed Financial Adviser
7+
Years in Industry
About
Ben Ong Ghee Chyuan
Senior Licensed Financial Adviser · CFP® · Yes Financial Berhad

A Certified Financial Planner (CFP®) and Senior Licensed Financial Adviser under Yes Financial Berhad — a Bank Negara approved Financial Adviser firm, Capital Markets Services Licensed by the Securities Commission, and CUTA CPRA firm of the Federation of Investment Managers Malaysia.

Since entering the financial planning industry in 2018, I have been dedicated to representing my clients' best interests — free from product quotas and institutional bias. As an independent adviser, I source the most suitable protection and wealth solutions from a comprehensive panel of insurance, takaful, and investment providers.

Whether you are planning for a comfortable retirement, funding your child's education, purchasing your first property, or seeking comprehensive life coverage, I am here to guide you with clarity and purpose — step by step.

  • Certified Financial Planner (CFP®)
  • Senior Licensed Financial Adviser — Yes Financial Berhad
  • Approved Financial Adviser, Bank Negara Malaysia
  • Capital Markets Services Licensed, Securities Commission Malaysia
  • In the industry since 2018
Verify My SC Licence
Click to verify on the Securities Commission Malaysia public register.
Registered name: Ong Ghee Chyuan
Panel Partners

Our Panel of Solutions

As a Senior Licensed Financial Adviser under Yes Financial Berhad, I represent a comprehensive panel of life insurance, takaful, offshore insurance, and investment fund providers — giving you access to the full market so I can recommend what genuinely fits your needs, not any single company's product.

Life Insurance & Family Takaful
AIA
Allianz Life
Zurich Life Insurance
Zurich Takaful
Prudential
AmMetLife
Great Eastern
etiQa Insurance & Takaful
FWD Insurance BSN
AIA Public Takaful
Generali
Manulife
Great Eastern Takaful
HongLeong Assurance
HongLeong MSIG Takaful
Prudential BSN Takaful
Tokio Marine Life
Offshore Insurance (Regulated by Labuan Financial Services Authority)
Investors Trust
RL360°
Manulife
Archipelago Insurance
Hansard Global PLC
etiQa
Investment Platforms & Local Fund Managers
Kenanga Investors
iFAST
PhillipCapital
Cross Light Capital
Phillip Mutual
Halogen
Amundi Asset Management
AIA Investment
AHAM Capital
MIDF Amanah
AmInvest
Amanah Raya (ARIM)
aiiman
abrdn
Eastspring Investments
Principal
Astute Fund Management
Nikko AM
Maybank Asset Management
Franklin Templeton
KAF
HongLeong Asset Management
BIMB Investment
Nomura
Manulife Asset Management
Opus Asset Management
InterPacific Asset Management
Saturna
RHB Asset Management
RHB Islamic Asset Management
PMB Investment
UOB Asset Management
TA Investment
PHEIM
Kenanga Investors
iFAST
PhillipCapital
Cross Light Capital
Phillip Mutual
Halogen
Amundi Asset Management
AIA Investment
AHAM Capital
MIDF Amanah
AmInvest
Amanah Raya (ARIM)
aiiman
abrdn
Eastspring Investments
Principal
Astute Fund Management
Nikko AM
Maybank Asset Management
Franklin Templeton
KAF
HongLeong Asset Management
BIMB Investment
Nomura
Manulife Asset Management
Opus Asset Management
InterPacific Asset Management
Saturna
RHB Asset Management
RHB Islamic Asset Management
PMB Investment
UOB Asset Management
TA Investment
PHEIM
Participating Offshore Fund Managers
BlackRock
Canaccord Genuity
Fidelity International
Credit Suisse
Brooks Macdonald
Allianz Global Investors
Columbia Threadneedle
BNY Mellon
abrdn
AllianceBernstein
DWS
Amundi
Artemis
First Sentier Investors
Guinness Global Investors
M&G Investments
Invesco
Liontrust
iShares by BlackRock
HSBC Global Asset Management
Franklin Templeton
GAM Investments
Man Investments
Janus Henderson
Jupiter Asset Management
J.P. Morgan Asset Management
Fundsmith
VAM Global
PIMCO
Matthews Asia
Pictet Asset Management
Nordea Asset Management
UBS
Schroders
Robeco
T. Rowe Price
Natixis
Sarasin & Partners
Polar Capital
Premier Miton
Ninety One
Momentum Global
MFS
BlackRock
Canaccord Genuity
Fidelity International
Credit Suisse
Brooks Macdonald
Allianz Global Investors
Columbia Threadneedle
BNY Mellon
abrdn
AllianceBernstein
DWS
Amundi
Artemis
First Sentier Investors
Guinness Global Investors
M&G Investments
Invesco
Liontrust
iShares by BlackRock
HSBC Global Asset Management
Franklin Templeton
GAM Investments
Man Investments
Janus Henderson
Jupiter Asset Management
J.P. Morgan Asset Management
Fundsmith
VAM Global
PIMCO
Matthews Asia
Pictet Asset Management
Nordea Asset Management
UBS
Schroders
Robeco
T. Rowe Price
Natixis
Sarasin & Partners
Polar Capital
Premier Miton
Ninety One
Momentum Global
MFS

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