Hi, I’m Rafiq.
I’m a licensed financial planner and the Managing Director of Wealth Vantage Advisory. More importantly, I believe that all Malaysians should have the ability to improve the quality of their lives with better understanding of how to manage finances.
What I Do
Licensed Financial Planner and Financial Adviser Representative
Registered with the Securities Commission Malaysia and Bank Negara Malaysia.
Managing Director @ WVA
Leading an independent financial planning and financial advisory firm with 50 independent financial advisors and 25 employees all over Malaysia.
Financial Literacy and Awareness
Regularly speaks at events, media, and workshops. Active on social media creating content to help improve the financial awareness among Malaysians.
My Story
…akhirnya jatuh ke tanah juga. Benda ni selalu betul dalam hidup kita. Sebab bila kita menipu sekali, kita terpaksa reka lagi banyak cerita supaya tak...
📌 Apa itu Unfair Advantage? Ramai orang fikir untuk berjaya, cukup dengan kerja keras.Tapi sebenarnya, kerja keras sahaja tak cukup.Kita kena kenal dan gunakan unfair...
Baru-baru ni saya nampak satu screenshot perbualan —Orang A kata dia tanya anak muda bawah 28 tahun, gaji sekitar RM 2,500: “Ada buat part-time tak?”...
Salah satu soalan paling biasa yang saya terima sebagai perancang kewangan adalah: “Kalau saya bagi awak urus pelaburan saya, berapa pulangan yang boleh saya dapat?”...
When people talk about financial mistakes, they often think of scams, bad investments, or losing money in the stock market. But my biggest mistake didn’t...
Memang long overdue sambungan cerita ni. Sorry lah untuk orang2 yang menunggu next episode. ATU 98 Once I made the decision to proceed with Engineering,...
What You'll Find Here
- Real stories (anonymized) from people I’ve worked with
- Commentary on scams, trends, and blind spots
- Posts and sharing on general financial topics
- Thoughts on planning, values, and clarity
- Reposts with added context and updates
My Journey
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🎓 2004
Graduated with a Bachelor of Science in Mechanical Engineering from Massachusetts Institute of Technology (MIT), Cambridge, Massachusetts.
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💼 2004 – 2009
Started my career in Tenaga Nasional Berhad (TNB) before making a transition as a management consultant with PwC and Ernst & Young.
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🌍 2010
Worked in Oman as a Management Consultant.
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🏢 2010 – 2014
Part of the founding team at TalentCorp Malaysia, eventually leading the Shared Services Division.
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🔁 2014
Switched to financial services to help people make better money decisions.
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🎓 2015
Completed my Certified Financial Planner (CFP) certification from Financial Planning Association of Malaysia (FPAM)
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🎓 2019
Completed my Islamic Financial Planner (IFP) certification from Financial Planning Association of Malaysia (FPAM) and IBFIM
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🚀 2015 - present
Co-founded Wealth Vantage Advisory and assumed the role of Managing Director.
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🎖️ 2021 - 2025
Served as Vice-President of the Financial Planning Association of Malaysia (FPAM) and trainer for the Islamic Financial Planner (IFP) certification for IBFIM.
If any of what I write resonates with you — great. That’s why I archive it here.
If you’re here out of curiosity, welcome. I hope you find something that makes you think.
And if you’d like to say hi or ask a question, you’re always welcome to get in touch.