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
Sedar tak sedar, 30 Jun nanti genaplah 12 tahun sejak saya berhenti kerja makan gaji dan memilih untuk bekerja sendiri sepenuh masa. Setiap kali berjumpa...
Posting macam ni menarik sebab ia tunjuk satu realiti yang ramai orang tak nampak. Bila orang nampak gaji RM5,000, ramai terus anggap “ok lah tu”....
Nampak ramai orang dok share pasal harga emas makin turun. Ada yang cakap ni lah masa nak masuk, beli lah lagi, emas dah murah. Ada...
Kalau betul2 fikir, ada dua keputusan yang boleh masuk kategori ‘gila’ Satu, buat keputusan untuk berhenti kerja masa kerja dengan TNB dulu tanpa ada apa-apa...
…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...
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
-
🎓 2004
Graduated with a Bachelor of Science in Mechanical Engineering from Massachusetts Institute of Technology (MIT), Cambridge, Massachusetts.
-
💼 2004 – 2009
Started my career in Tenaga Nasional Berhad (TNB) before making a transition as a management consultant with PwC and Ernst & Young.
-
🌍 2010
Worked in Oman as a Management Consultant.
-
🏢 2010 – 2014
Part of the founding team at TalentCorp Malaysia, eventually leading the Shared Services Division.
-
🔁 2014
Switched to financial services to help people make better money decisions.
-
🎓 2015
Completed my Certified Financial Planner (CFP) certification from Financial Planning Association of Malaysia (FPAM)
-
🎓 2019
Completed my Islamic Financial Planner (IFP) certification from Financial Planning Association of Malaysia (FPAM) and IBFIM
-
🚀 2015 - present
Co-founded Wealth Vantage Advisory and assumed the role of Managing Director.
-
🎖️ 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.