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Empowering Financial Well-Being
For Everyone

About Us

Welcome to Arctic Tern Advisory Sdn Bhd, where we believe in a brighter financial future for every Malaysian. As a trusted and licensed firm under the Securities Commission Malaysia and Bank Negara Malaysia under the Financial Services Act 2013 (FSA), we are committed to excellence and innovation.

At Arctic Tern Advisory, we envision a future where financial planning is both human and digital, a Bionic Advisor. With the growing demand for financial products and the need for greater financial literacy, we are here to bridge the gap. Our unique PAP model (Plan, Advise, and Product) is designed to meet market needs, not just sell products.

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Services

PAP Model

Relying on financial products is like treating a symptom, not the cause. A dynamic and robust wealth management starts with a full-fledged wholistic report which is explained by an expert and this is what we at Artic Tern Advisory are...
Holistic Wealth Management

In the ever-evolving landscape of financial advisory, holistic wealth management is a transformative approach that goes beyond traditional investment strategies. It integrates various aspects of an individual's life, addressing not only their financial needs but also their personal and emotional well-being. We recognizes that true wealth encompasses more than just assets it includes the quality of life, personal fulfillment, and peace of mind.

Wealth Optimization

Wealth optimization is the strategic process of enhancing financial resources to achieve maximum efficiency and growth. It involves careful planning, investment management, and leveraging various financial tools to ensure that assets are
Wealth Accumulation

Wealth accumulation is the process of increasing one's financial assets and resources over time. It is a fundamental aspect of personal wealth management that enables individuals to achieve long-term financial security and independence.

Wealth Preservation

Wealth Preservation is a process of arranging the management and distribution of one's assets after death. Proper wealth preservation ensures that wealth is transferred efficiently to heirs while minimizing estate taxes
Wealth Protection

Wealth protection is a critical aspect of wealth management, aimed at preserving and safeguarding an individual's assets and financial well-being. In an increasingly complex and uncertain world, protecting one's wealth from various risks and threats becomes paramount.

International Wealth Management

Wealth Preservation is a process of arranging the management and distribution of one's assets after death. Proper wealth preservation ensures that wealth is transferred efficiently to heirs while minimizing estate taxes
Retirement Lifestyle

Retirement lifestyle is the process of determining retirement income goals and the actions and decisions necessary to achieve those goals. It involves identifying desired retirement lifestlye, sources of income, estimating expenses,

Personal Tax Advisory

These services are designed to help clients optimize their tax situation, minimize their tax liability, ensure compliance with tax laws, and make informed decisions regarding their financial and tax strategies. Personal tax advisory involves detailed guidance on tax planning, preparation, and strategies for managing various taxes, such as income tax, capital gains tax, estate tax, and more.

Information Centre

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Events
How to Create a Robust Family Financial Plan
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Article
What is your net worth?

We often feel that making good money is being well off and this is largely due to the fact that our salary is a primary source for creating wealth

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Article
Covid-19: Are you financially prepared for this battle?

“Emergency fund cannot be accumulated during an emergency”. I recall this particular phrase by a colleague of mine S Subramaniam,

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We’re here to help and answer any questions you might have. We look forward to hear from you!

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