Principle 01
Client-Centred Planning
Your plan starts with your household, obligations, risk tolerance, and faith parameters.
Islamic Financial Adviser's Representative - BNM-Licensed
Shariah Wealth Planning, Engineered for Your Family's Legacy.
A disciplined Shariah-compliant advisory process for protection, hibah, legacy, zakat, and business continuity.
BNM framework
Shariah planning
PDPA-conscious
Partner network
Aminah binti Ahmad
Shariah RFP, IFP
The IFAR Standard
What an IFAR Means for You.
A standard of advice grounded in Malaysian regulation, Shariah governance, and documented recommendations.
Principle 02
Broad Partner Access
Solutions are sourced through TSI's network of takaful operators, trustees, zakat institutions, and support partners.
Principle 03
Professional Credentials
Shariah RFP, IFP, and continuous professional development support accountable planning.
Principle 04
Holistic Architecture
Protection, legacy, zakat, retirement, and business continuity are organised into one coherent roadmap.
Pathway 01 - Individuals & Families
For You and the People You Love.
A complete protection, legacy, and growth architecture designed around your family's stage, values, obligations, and aspirations.
Risk Management & Takaful Planning
Coverage structured around actual liabilities and dependants.
Hibah Solutions
Shariah-aligned gifting structures with clarity for beneficiaries.
Critical Illness Coverage
Protection sized to real recovery and specialist-care scenarios.
Healthcare Protection
Medical planning for private-hospital realities.
Income Replacement on Disability
Support for long recovery periods and family stability.
Hospital Income Benefit
Additional cashflow support during admission.
Coverage Term Plans
Focused protection across a defined period.
Retirement Coverage
A plan for dignity, independence, and family peace of mind.
Hibah & Takaful Payout Architecture
Up to 6x Protection For the People You Love.
A small monthly contribution can multiply into a life-changing legacy for your beneficiaries, subject to operator terms and certificate structure.
Tiered Multipliers
Beneficiary Payout Scale
1x
Natural Causes
Standard sum-covered payout.
2x
Hajj or Umrah
Enhanced payout during pilgrimage.
3x
Public Conveyance Accident
Additional protection for qualifying transport accidents.
6x
Natural Disaster
Maximum multiplier in qualifying events.
Pathway 02 - Corporate & Business
Built for Businesses That Plan Beyond Today.
Protect your people, enterprise, and next generation of leadership through a single Shariah-compliant strategy.
Employee Benefit Package
Group medical, takaful, and welfare schemes for teams.
Group Term Takaful
Cost-effective life cover for the workforce.
Professional Indemnity
Coverage for professional exposure and advisory risk.
Public Liability
Protection for operational and public-facing business risk.
Vehicle, Home & All Risk Protection
General takaful planning for business and personal assets.
HRDCorp Claimable Courses
Financial education and CPD programmes for teams.
Zakat & Training
Corporate zakat planning and workforce education.
Personal & Corporate Zakat Planning, Zakat Collection, and Wakalah Program conversations can be included.
Maqasid al-Shariah - Legacy
A Legacy That Lives On - Spiritually and Financially.
Faraid, Wasiat, Hibah, Waqf, and Sadaqah can be structured to protect dependants, reduce confusion, and support causes that matter to you.
Family Trust Planning
Structures for minors, vulnerable dependants, and continuity.
Estate Distribution Planning
Clear instructions for settlement and distribution.
Waqf
Perpetual endowment for community benefit.
Foundation
Contribution to Foundation and tax exemption donation planning.
Infaq Benefit
A portion of your legacy, directed where it matters.
You can allocate a portion of your legacy to charity, NGO, waqf, or foundation work in your name, while keeping family protection at the centre of the plan.
90%
Family
7%
Waqf
3%
Charity
Our Process
A Disciplined, Four-Step Path.
Clear, methodical, and shaped around your goals.
1
Discovery
Understand your family, obligations, aspirations, and faith parameters.
2
Plan
Build a Shariah-compliant blueprint around gaps and opportunities.
3
Implement
Coordinate applications, documentation, trustees, zakat, and operator steps.
4
Review
Keep your plan aligned with new life events and priorities.
Trust & Compliance Architecture
Regulated. Governed. Accountable.
BNM & SC Frameworks
Planning work aligned with Malaysian financial advisory requirements.
PDPA-Conscious Handling
Client data is handled with consent and care.
Shariah-Governed
Recommendations are screened through Shariah-compliant operators and planning principles.
CPD Discipline
Professional learning keeps advice current and accountable.
Our Partners
Powered by Malaysia's Shariah-Compliant Institutions.
Family Takaful
AIA Public Takaful Berhad
Etiqa Family Takaful Berhad
Great Eastern Takaful Berhad
Hong Leong MSIG Takaful Berhad
Prudential BSN Takaful Berhad
Syarikat Takaful Malaysia Keluarga Berhad
Takaful Ikhlas Family Berhad
Zurich Takaful Malaysia Berhad
General Takaful
Etiqa General Takaful Berhad
Syarikat Takaful Malaysia Am Berhad
Takaful Ikhlas General Berhad
Zurich General Takaful Malaysia Berhad
TPA
Healthmetrics Sdn Bhd
MiCare Sdn Bhd
PMCare Sdn Bhd
Zakat & Legacy
Lembaga Zakat Selangor (LZS)
Pusat Pungutan Zakat - MAIWP (PPZ-MAIWP)
As-Salihin Trustee Berhad
Rakyat Trustee Berhad
Sampul.co
Foundation
Yayasan Ikhlas
Client Voices
Words From the Families We Serve.
Stories from Malaysian individuals, families, and business owners who have clarified their planning priorities.
Pathway 03 - Careers
Build a Profession with Purpose.
For professionals, finance graduates, and purpose-led advisers exploring Islamic financial advisory, TSI offers a structured environment for regulated Shariah-aligned work.
Mentored Practice
Guidance inside a professional advisory environment.
Partner Exposure
Learn across takaful, trust, zakat, and planning cases.
Back-Office Support
Compliance, documentation, and operations support.
Shariah RFP / IFP Pathway
Structured certification and CPD support.
Who Thrives Here
Three backgrounds we welcome.
Established Professionals
Lawyers, accountants, executives, and specialists seeking a values-led second profession.
Financial Services Professionals
Advisers who want deeper Shariah planning capability and structured development.
Finance Graduates
Graduates seeking a Shariah-aligned career with mentorship and certification support.
Frequently Asked
Questions Most Clients Ask Before Booking.
If your question is not here, the Discovery Session is the right place to raise it.
What exactly does an IFAR do?
An Islamic Financial Adviser's Representative supports Shariah-compliant planning such as protection, legacy, retirement, zakat, and implementation through appropriate partners.
What happens during the Free Discovery Session?
A confidential conversation covering your family situation, obligations, goals, and faith parameters. You leave with a clearer sense of your gaps and priorities.
How long does the planning process take?
Simple cases can move quickly. Comprehensive planning may take one to four weeks depending on complexity, documentation, and underwriting needs.
Is my personal data secure?
Your information is used to arrange and prepare for the session. Further sharing should happen only with consent and proper documentation.
Will I be obligated to purchase anything?
No. The Discovery Session carries no purchase obligation.
Do you serve non-Muslim clients?
Yes. The IFAR framework is open to all - many of our clients value the fiduciary structure and multi-operator sourcing even when Shariah-compliance isn't their primary criterion.
Can business owners use this same page too?
Yes. The same discovery session can cover employee benefits, group term takaful, key-person planning, liability coverage, and corporate zakat.
Do I need to prepare documents first?
Not for the first conversation. If we continue, I will guide you on the documents needed for a proper review.
What do Shariah RFP, IFAR, and LFP means?
The Shariah RFP (Registered Financial Planner – Shariah) is a certification that qualifies me to obtain both the IFAR (Islamic Financial Adviser Representative) and LFP (Licensed Financial Planner) licenses.
- Shariah RFP: Certification in Shariah‑compliant financial planning.
- IFAR: License to advise on Islamic financial solutions such as takaful, hibah, zakat, and legacy planning.
- LFP: License from the Securities Commission Malaysia to provide holistic financial planning, including investment, retirement, and estate strategies.
Together, these credentials show that I am certified and licensed to deliver Shariah‑aligned advice across protection, investment, retirement, and legacy planning.
