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Who we are:

Our company

MQians, Your Financial Partner: (CMSRL, Licensed by the Security Commission under the Capital Market & Services Act 2007). A Community of Affiliate Financial Planners who deliver the ethical value of financial freedom to Malaysians.

We believe making money is not the only reason we are in this business.

MQians are those who have Faith to strive for greater meaning in life, Values to create for the community, and Principles to practice what is right professionally.

We define, Financial Freedom means that you get to make life decisions without being overly stressed about the financial impact because you are prepared. You control your finances instead of being controlled by them.


Our company

Malaysia’s leading financial partner with a trustworthy, influential, and professional brand.

Managing Director of MQ Companies.


To build a sustainable community of financial planners who desire to deliver the ethical value of financial services to Malaysians with the core value to achieve financial freedom together.

With the client’s interest as the top priority, the initiative builds a Financial Freedom ecosystem for Malaysians with the ethical value of qualified financial planners in delivering comprehensive financial solutions.

Implementing a financial health check would give clear financial goals for Malaysians. This would escalate the level of financial literacy of Malaysian together with the support of the Malaysian regulator and industry associations.

Our Culture:

Truthfulness with Passion

MQ strives to provide excellent services to our clients with truthfulness and passion. We believe everyone has his/her unique strengths and purpose, and with the spirit of truthfulness with passion, MQ provides a platform for a group of professionals to live up to their fullest potential and to achieve their dreams in the most fulfilling way.

Business Principles:
  1. Our clients’ interests always come first. Our experience shows that if we serve our clients well, our own success will follow.
  2. We believe Success is a result of focusing the business resources and efforts in fulfilling the niche needs in the marketplace.
  3. We focus in developing people, capital, knowledge, and efficient practices. Our assets are our people, capital, and reputation. If any of these is ever diminished, the last is the most difficult to restore. We are committed to continuously develop with ethical principles and attract the right talents into our hub of transformational excellence through our unique business associates model with the right practices.
  4. We take great pride in the professional quality of our work. We have an uncompromising determination to achieve excellence in everything we undertake, though we may be involved in a wide variety and heavy volume of activity, we would, if it came to a choice, rather be best than biggest.
  5. We make an unusual effort to identify and recruit the very best person for every job. Although our activities are measured in millions of dollars, we select our people one by one. In a service business, we know that without the best people, we cannot be the best firm.
  6. We offer our people the opportunity to move ahead more rapidly than is possible. Advancement depends on merit, and we have yet to find the limits to the responsibility our best people are able to assume. For us to be successful, our men and women must reflect the diversity of the communities and cultures in which we operate. That means we must attract, retain and motivate people from many backgrounds and perspectives. Being diverse is not optional; it is what we must be.
  7. We stress teamwork in everything we do. While individual creativity is always encouraged, we have found that team effort often produces the best results. We have no room for those who put their personal interests ahead of the interests of the firm and its clients.
  8. We regularly receive confidential information as part of our normal client relationships. To breach confidence or to use confidential information improperly or carelessly would be unthinkable.
  9. Integrity and honesty are at the heart of our business. We expect our people to maintain high ethical standards in everything they do, both in their work for the firm and in their personal lives
What we do

We focus on creating values for our clients and affiliates, to elevate the financial freedom consciousness in their financial and life planning.

We strengthen the unique model to add value to corporations and entrepreneurs to embark on a stronger footing in their line of business and life. Which has successfully assisted many existing clients and affiliates to witness breakthrough improvements in financial and life planning.

With the clients’ interest as the top priority, our team comprises dedicated financial planners and wealth planners who have cumulative years of experience in various fields which include:

Personal financial planning
Insurance Planning

Risk management and insurance play a crucial role in your comprehensive financial plan. Because there are numerous risks that can wreak havoc with even the best-laid plans; our job is to help you identify these risks and discuss ways to mitigate the risks.

Insurance Planning

Risk management and insurance play a crucial role in your comprehensive financial plan. Because there are numerous risks that can wreak havoc with even the best-laid plans; our job is to help you identify these risks and discuss ways to mitigate the risks.

Retirement Planning

Retirement planning is the planning one does to be prepared for life after paid work ends, not just financially but in all aspects of life.

The process of determining retirement income goals and the actions and decisions necessary to achieve those goals. Retirement planning includes identifying sources of income, estimating expenses, implementing a savings program, and managing assets. Future cash flows are estimated to determine if the retirement income goal will be achieved.

Estate Planning

The purpose of probate is to establish clear title or ownership to your assets after your death. Before your estate can go to your children the probate court has to determine and settle your debts, establish clear title to everything you own and then distribute the estate according to your will or to the “intestate succession” statutes in local laws.

Thus, there is important to have all asset well planned on who and how it is distributed and to avoid probate through the right and efficient mechanism.

Business Financial Planning
Trade Credit Insurance

Trade Credit insurance covers your receivables due within 12 months so that your cash flow is safeguarded.

Our information tracks the financial health of your customers and we update you so that you can trade with confidence.

If your customers become insolvent or fall into protracted default, you will be indemnified for the cost of goods and services you have delivered.

Guarantor Indemnity Plan

This tool is ideal for businessmen who have entered into a personal guarantee when obtaining loans from financial institutions. A Guarantor Indemnity Planning is designed to ensure that the company will still be running in the event of the death of the guarantor, which is most likely the business owner most of the time. This compensation will be utilized to offset the existing outstanding banking facilities, which in turn will not jeopardize the operation of the company.

Keyman Compensation Plan

It is a basic Business Financial Planning tool for a company’s key-person, the need to compensate an organization key-person and family, against the loss/diagnosis of dread diseases of key-person; wealth protection of demised beloved family and living partner/existing business value. In the most event, a key person contributes the life time towards the development of the business entity, from the business infant stage towards the established business empire, with this planning, during any mishap situation of the key person, the compensation shall be payable to the key-person or the beneficiary(ies) for the key-person for their future living.

Business Succession Plan

This is a needed solution for Partnership companies serving the purpose to void issues in the event of the loss of life or diagnosis of dread diseases of the shareholder(s).  Business Value Protection Planning is designed as an Exit Plan for shareholder(s) upon those mishaps to determine the smooth Legal Procedures for,

  1. Transfer of the business interest;
  2. Agreement of business value;
  3. Funding for buy-out;
  4. Events for a business owner to exit triggering the buy-out;
  5. Distribution of sales proceeds.  
Professional Value Plan

This plan is mainly catered for Professionals with high value justified with his/her mind & time. The professional stream of income needed to be protected against the loss of time & mind (ability to perform the professionalism).  Professional like doctors, who are respected for their reputed professionalism and commitments to society; but the value is gone at the moment they lost the ability to perform the professional or demise. Thus, this is tailored for the need for professional income replacement.

Cash management

Cash is the primary asset individuals and companies use to pay their obligations on a regular basis. In business, companies have a multitude of cash inflows and outflows that must be prudently managed in order to meet payment obligations, plan for future payments, and maintain adequate business stability. Thus, maintaining cash balances while also earning a return on idle cash are usually top concerns.

Corporate Employee Benefits Scheme

An employee benefits scheme or ‘Corporate Insurance’ is an insurance that covers a group of people, usually who are members of societies, employees of a common employer, or professionals in a common group. Group coverage can help reduce the problem of adverse selection by creating a pool of people eligible to purchase insurance who belongs to the group for reasons other than for the purposes of obtaining insurance. In other words, people belong to the group not because they possess some high-risk factor that makes them more apt to purchase insurance (thus increasing adverse selection); instead, they are in the group for reasons unrelated to insurance, such as all working for a particular employer. The products include and are not limited to:

  • Group Term Life
  • Group Hospitalization and Surgical Plan
  • Group Personal Accidents
  • Special Corporate GMBIS
Business Insurance

It is a basic tool for corporate risk transfer with general insurance tools and group insurance covering the risk of company assets, i.e. company building, machine, or employees. When running a business, unforeseen events are unavoidable. The best you can do is to minimize your losses when mishaps occur. We have designed a wide range of commercial insurance products to cater to your business needs.