No worries, these things happen. Every successful transaction with RinggitPlus Advance will be followed by a confirmation email from RinggitPlus. If you did not get that email, simply place your order again or drop us an email at [email protected]

As a FinTech company, we adopt tech automation to reduce the time spent by our CFPs on data collection and analysis. This allows us to offer our consultation at a very affordable fee compared to the rest of the market. Based on the benchmark against 27 certified financial planners in Kuala Lumpur listed on Smartfinance.my ranging from RM 500 – RM 10,000 in fees, RinggitPlus Advance is up to 83% cheaper.

Finally, we conduct our consultation entirely online and thus optimising our operational efficiency and reducing the cost of travelling and logistics.

Yes, we are compliant to Personal Data Protection Act (PDPA) requirements and hence will ensure the information and documents provided by our clients are kept private and confidential.

Moreover, we use appropriate technical, organisational, and cybersecurity measures to protect stored personal data against manipulation, partial or total loss, and unauthorised access by third parties. Our security measures are continually upgraded as technology advances.

Our CFPs are licensed and regulated by the Securities Commission (SC). They’re required to fulfil guidelines and standards issued by the SC and the fiduciary duty to act in your best interest.

Therefore, their goal is to improve your financial standing by offering objective and independent advice and recommendation. 

While we receive a small referral incentive from a few issuers, this does not impact the CFP’s assessment, evaluation, and recommendation. The recommendations are given based on your financial needs and goals. You have the right to choose the products you’re comfortable with.  

Feel free to ask our CFPs to disclose the companies we’re partnered with before making your decision.

A Certified Financial Planner can help you in 4 key areas of your personal financial planning: 

1. Check your current financial position and the areas that can be improved
2. Identify, understand, and analyse your financial challenges, goals, gaps, and opportunities
3. Build a financial game plan to help you achieve your financial goals systematically and effectively
4. Propose strategies to execute your financial plan tailored to your current situation

Generally, everyone needs financial planning services to get a review of their financial standing, identify areas of improvement and undertake actions to reduce costly financial losses.

• From our experience, the most common scenarios that prompt our clients to consult our CFPs are:
• I got married recently and we need help managing our finances as a couple
• I am earning a decent salary and now I have some spare money to look for investment opportunities to further grow my money 
• My parents are getting older and we need help managing our finances
• I started investing and would like to have professional help in making good decisions that’ll help with my future finances
• I want to plan for my retirement and ensure that I’m on the right track

Feel free to reach out to us with any other questions at [email protected]