Stress-Free Financial Planning for High-Achieving Professionals
Too busy to manage your money? I’ll help you make it works as hard and smarter as you do.
You're Smart With Your Career, But Unsure About Your Finances?
When you don’t have a clear plan, you’re guessing with your future.
Understand Your Money Better
Track where your money goes, find leaks, and improve your savings.
We will help you gain a comprehensive view of your income, spending, debts, and savings—enabling you to make smarter choices and prevent money from slipping through the cracks.
Plan for a Comfortable Retirement
Know how much you need and how to get there, step by step.
We break down each goal into simple steps and help you build an investment plan to make them happen—with regular check-ins to keep you on track.
Turn Dreams Into Action Plans
Save and invest for your big goals, like buying a home, education, or travel.
Whether you dream of retiring early or just want peace of mind, we’ll build a retirement plan that matches your lifestyle, income, and goals.
We help professionals and families make confident, values-based financial decisions, without the jargon.
With me, Zulkhairi Zulkifli, CFP®, you’ll get:
Cash Flow, Net Worth & Financial Ratio Analysis
Helps identify leakages, overspending, and areas for improvement using need/want/saving categorization.
Realistic and Sustainable Retirement Planning
Addresses pre- and post-retirement income/expense mapping, withdrawal testing, and strategic asset allocation over time.
Step-by-Step Approach to Goal-Based Investment Planning
Helps turn abstract goals (like buying a home or funding education) into specific, trackable plans.
Need-Based Insurance/Takaful Analysis
Balances protection needs with cash flow, aiming for affordable and sufficient protection through life’s uncertainties.
Legacy & Wealth Preservation with Purpose
Supports estate structuring to prevent complications and protect the family’s future.
Tax & Zakat Planning Support
Integrates tax efficiency and spiritual obligations (zakat) into a holistic financial plan.
Smart Planning, Peace of Mind and Happier Life.
Backed by real experience and a data-first mindset, I’ll helps you align your money with your life’s direction, simply and strategically.
Management
Experience
Smart Planning, Peace of Mind and Happier Life.
Backed by real experience and a data-first mindset, I’ll helps you align your money with your life’s direction, simply and strategically.
Management
Experience
60-Minute Discovery Session
This is the perfect opportunity to understand what you need and how you can streamline your financial planning.
Start with a Free Discovery Session
Not sure where to begin with your finances? In this free 60-minute Discovery Session, we’ll have a friendly, no-pressure chat to understand your current financial situation, what’s on your mind, and what you’d like to achieve — whether it’s saving more, getting out of debt, or planning for the future.
Basic Financial Assessment
Our Basic Financial Assessment helps you understand your current financial health by reviewing your income, expenses, assets, debts, and key money ratios. It’s like a financial health check-up — simple, clear, and practical.
Take the Next Step with a Tailored Financial
Now that you have a clear snapshot of your finances, it’s time to move forward with a personalised financial plan built around your goals. Whether you want to grow your savings, invest with confidence, buy a home, protect your family, or retire comfortably — we’ll create a step-by-step strategy to get you there.
Yes, I Hired Financial Planner Too Before I Became One
I didn’t figure it out alone, and you don’t have to either. The difference is now, I’m the one helping professionals like you.
Financial Insight
Read on the latest news in the space, announcements and educational articles.
ESG Investing – How To Integrate It Into Your Investment Planning?
Dari Impian Ke Realiti: Cara Mudah Mencapai Matlamat Kewangan Keluarga Anda
Executive Summary: Zulkhairi Zulkifli
©2025 Zulkhairi Zulkifli | Licensed Financial Planner