What does financial freedom mean to you?
Does financial freedom mean being able to retire early and living well into your eighties?
Does it mean living in a comfortable bungalow with a four-car garage? Does it mean being able to send your kids abroad for a six-figure education? Does it mean being able to take a trip abroad every year? Does it mean all of these things or something entirely different?
Once you have identified what you need and want, it’s time to move on to the next step: figuring out how to get there. Or to put it in another way: now that you know your destination (your wants and needs), how do you plot your route there? This is where most people fail, because they don’t map out their journey. In real life, would you try getting from Point A to an unfamiliar Point B without the help of a map or GPS? No, right?
This is where the Roadmap to Financial Freedom is a must. It can help you map out your personalised and individualised journey to financial freedom. By using the Roadmap, you won’t get lost. Or take a detour. Or to put it in financial planning lingo: by plugging in your personal financial details and personal needs and wants into a financial model, you too can create your very own roadmap to guide you on how best to balance your optimum wealth with your optimum financial needs and wants.
You might wonder if you can achieve financial freedom with a modest income and average assets. The answer is simple – ‘Yes, you can’. Unlike my other books, the Roadmap to Financial Freedom is targeted at helping all Malaysians achieve financial freedom. True, I had previously built a name for myself as the premier financial coach to the multi-millionaires of Malaysia. Using the skills and experience that I accumulated for more than a decade, I created the Roadmap to Financial Freedom, a solution that can be used by all Malaysians to optimise their own personal wealth management, regardless of their current wealth and assets.
To tell you the truth, the Roadmap came out of serendipity. I owe the origins of the ‘Roadmap’ to the persistence of Debbie, a single mother who called me out of the blue requesting financial advisory. Initially, I turned her away despite her pleading because she didn’t meet the minimum wealth threshold of RM2 million set by my firm. Soon after I had a change of heart, shouldn’t I also be using my skills and knowledge to help the less privileged, and not merely the wealthy?
And that’s how the Roadmap to Financial Freedom was born. Together with my team at Whitman Independent Advisors, I tweaked some tools in our proprietary Family Office solution to create a financial solution that could be tailored and adapted to meet the different circumstances of Malaysia’s diverse make up.
In this book, you will see how the Roadmap has helped Malaysians of different ages with different income, asset and employment levels. Malaysians like Debbie, the single mother whose impassioned pleading started it all, and Muthu, who like many Malaysians, is clueless about his current financial health. Philip and Brad – businesspeople who were insecure about retirement – now have a defined path for when they can retire and how they will enjoy their golden years, thanks to the Roadmap. The Roadmap can also help you see if you’re spending beyond your means – like Harold – or saving too much and depriving your family of vacations and little luxuries – like Jerry and Harry. The Roadmap can also help you work out how much you need to put aside each year to provide that dream college education for your children, much like Michael. I’m sure you’ll see many of your hopes and dreams mirrored in these true-life cases. Of course, to protect the privacy of the people in question, names and details have been changed but the genuine flavour of their financial challenges remain intact.
These people – who are Malaysians from all walks of life like you and I – have discovered that they can achieve immediate peace of mind, and eventually the realisation of their financial goals by using the Roadmap, which I believe is the ultimate guide to financial freedom. If you want to find out if you can achieve financial freedom now please read on. You might find that the world could very well be your oyster, today.
PERSONAL MONEY, 01 MAY 2010
MONEY COMPASS, 01 MAY 2010
MALAYSIAN RESERVE, 31 MARCH 2010
THE MALAY MAIL, 23 MARCH 2010
BUSINESS TODAY, 01 MARCH 2010
SMART INVESTOR, 01 MARCH 2010
MALAYSIAN BUSINESS, 16 FEBRUARY 2010
NEW SUNDAY TIMES, 14 FEBRUARY 2010
THE STAR – STARBIZWEEK, 14 FEBRUARY 2010
NTV7 BREAKFAST SHOW – 9 & 23 FEBRUARY 2010