Retirement Optimisation:
Retire Richer and Worry-Free
for a future built with clarity, confidence, and peace of mind.
Public Listed Company
Intellectual Framework
Our intellectual framework positions Optimised Retirement Planning pillar as the foundation for the other 3 pillars including Optimised Retirement Funding Portfolios, Optimised Retirement Income Management and Optimised Retirement Legacy Planning.
For Over 25 Years
and legacy—designed for clarity, confidence, and peace of mind.
The first and no. 1 integrated retirement solutions provider in Malaysia.
and Your Financial Freedom!
accessible guide to investing your serious money.
Retire Richer and
Worry-Free
together planning, funding, spending, and legacy —
for a future built with clarity, confidence, and
peace of mind.
Intellectual Framework
For Over 25 Years
designed for clarity, confidence, and peace of mind.
The first and no. 1 integrated retirement solutions provider in Malaysia.
We Don’t Just Plan For Retirement.
We Optimise It.
Generic advice leaves critical gaps. For 25 years, Whitman has helped Malaysians retire with confidence through one integrated approach—Retirement Optimisation.
Because planning without effective funding and dynamic income management isn’t really planning. It’s just hoping.
Malaysia’s pioneer and leading provider of integrated retirement solutions since 2000
Over 111 licensed representatives and advisors including Yap Ming Hui as at 30 September 2025
More than RM1 billion AUA as at 30 September 2025
Stop guessing. Start Planning for the Retirement You Deserve
Most people make retirement decisions ad hoc—hoping something eventually works. But peace of mind doesn’t come from guesswork.
Our qualified independent financial advisors (IFA) work with you to align your goals, values, and resources into a personalised, integrated retirement strategy—so every decision moves you closer to a richer, worry-free future.
We are licensed by the Securities Commission Malaysia and approved by Bank Negara Malaysia
License No. CMSL/A0165/2007
We protect your details through strict standards and policies
Retirement Optimisation is a professionally curated, step-by-step process that brings together every key aspect of your financial life—so your retirement is not just well-funded, but holistically planned, risk-managed, and built to last.
Optimised Retirement Planning
Most plans stop at returns—we go further.
We help you prepare for the real picture of retirement by planning around 10 critical retirement factors like healthcare, education, home, and lifestyle—so your future is resilient, not just idealistic
Optimised Retirement Funding Portfolio
Many invest without a disciplined process.
We apply our SRB Standard—Safe, Rising, Best-of-Breed—to build a globally diversified portfolio that protects your capital while growing it steadily over the long term
Optimised Retirement Income Management
Retirement isn’t just about saving.
We structure your income for consistency, inflation protection, and sustainability—so you can enjoy life without worrying about outliving your money
Optimised Retirement Legacy Planning
Retirement doesn’t end with you.
We help ensure your wealth is passed on smoothly and meaningfully—through customised wills, trusts, and tools that reflect your retirement goals and protect your loved ones, even as your financial needs evolve
Talk to Us Today Without Obligation
Your retirement journey is personal, and that’s where we come in.
Our experienced independent financial advisors are here to help you make sense of where you are now—and where you want to go next.
