Get Professional Financial Planning That Works

Transform your financial future with personalized consultation

Get to know how strategic financial planning can reshape your approach to money management. Our certified professionals provide personalized consultation services designed to help you understand modern financial approaches and achieve your goals through proven methodologies.

Financial planning involves risk and individual circumstances may affect outcomes. Consult with qualified professionals before making financial decisions.

Our Consultation Services

Financial consultant reviewing budget analysis documents with client

Personal Budget Analysis

Comprehensive review of your current financial situation with actionable insights for better money management and resource allocation strategies.

Professional presenting retirement planning strategies on whiteboard

Retirement Planning Consultation

Strategic discussions about long-term financial security, exploring various approaches to building sustainable retirement resources over time.

Tax planning documents and calculator on desk during consultation

Tax Planning Guidance

Professional guidance on tax-efficient strategies and compliance requirements to help you understand Malaysian tax regulations and opportunities.

Estate planning consultation with legal documents and family photos

Estate Planning Advice

Thoughtful discussions about wealth transfer strategies and asset protection measures to secure your family's financial future.

Risk assessment meeting with insurance and protection planning materials

Risk Assessment Services

Comprehensive evaluation of potential financial risks and protection strategies to safeguard your assets and income streams.

Business financial planning session with charts and growth projections

Business Financial Planning

Specialized consultation for business owners focusing on cash flow management, growth funding, and succession planning strategies.

Our Consultation Process

1

Initial Assessment

We begin with a comprehensive review of your current financial situation, goals, and priorities through detailed consultation sessions.

2

Strategy Development

Our team develops personalized recommendations based on your specific circumstances and financial objectives.

3

Implementation Planning

We provide clear guidance on implementing recommended strategies with practical steps and timeline considerations.

4

Ongoing Support

Regular follow-up consultations ensure your financial plan remains aligned with changing circumstances and goals.

Financial Insights & Updates

August 28, 2025

Malaysia's New Tax Incentives for Retirement Savings

Recent changes to Malaysian tax regulations offer new opportunities for retirement planning. Learn how these updates might affect your long-term financial strategy and what steps to consider.

August 15, 2025

Interest Rate Changes Impact Financial Planning

Bank Negara Malaysia's recent policy adjustments create both challenges and opportunities for personal financial planning. Understand the implications for your financial goals.

July 30, 2025

Estate Planning Updates Under Malaysian Law

New regulations affecting estate planning and wealth transfer strategies. Key considerations for protecting your family's financial security under current Malaysian legislation.

Our Journey in Financial Planning

2012

Company Foundation

Seraphynthelo was established with a mission to provide accessible, professional financial planning services to Malaysian individuals and families.

2018

Regulatory Recognition

Obtained full licensing from Bank Negara Malaysia, demonstrating our commitment to regulatory compliance and professional standards.

2021

Digital Transformation

Launched comprehensive digital consultation platform, making professional financial planning more accessible during changing times.

2025

Expansion Milestone

Reached 770 satisfied clients and completed 269 successful financial planning projects, establishing Seraphynthelo as a trusted name in Malaysian financial services.