Founded in 2009, PWA is a dynamic Financial Agency that provides Integrated Financial Planning services namely Investment, Insurance and Will Writing. Apart from that, our Training & Consultancy Division is focusing on Entrepreneurship, Sales & Marketing, Leadership, Personal Financial Planning, Pre-Retirement, Graduate Employability, Team-building & Wellness Training Program. At PWA, we seek to continuously improve and upgrade ourselves in our endeavour to Enhance and Enrich our clients, both personal and professional lives. As we empower others, we want to make a positive difference to the people we train, so that they achieve and be more beyond training.
Who Are We
We offer a diversified and comprehensive suite of financial services and solutions with a personalised approach, at both individual and corporate levels.
Since 2012, we have been appointed by few GLC’s namely Petronas Group, PTPTN, GE Takaful, Etiqa Takaful, AmMetLife Takaful, OCBC Bank and Bank Muamalat Malaysia Berhad to conduct training for their employees in their area of financial management, sales and entrepreneurship.
To help our clients to achieve their financial aspirations and to provide an inspiring environment where our advisers can excel in building a successful advisory business.
As for our training and consultancy divisions our mission is to provide training of exceptional quality through our experts who are constantly evolving to achieve their highest potential and are empowering others to do the same. These results do not merely increased productivity but also enhanced personal effectiveness.
What We Do
We provide a holistic approach of financial planning be it for personal or cooperation in the area of financial investment, financial protection and financial distribution.
Besides, PWA strategically designs the powerful flow of positive energy and specialised knowledge so that it aligns with your organisation’s mission and year-on-year growth roadmap.
Our 6-Steps Process in Financial Planning
Determine Your Current Financial Situation
In this first step of the financial planning process, you will determine your current financial situation with regard to income, savings, living expenses, and debts. Preparing a list of current asset and debt balances and amounts spent for various items gives you a foundation for financial planning activities.
Develop Financial Goals
Specific financial goals are vital to financial planning. Others can suggest financial goals for you; however, you must decide which goals to pursue. Your financial goals can range from spending all of your current income to developing an extensive savings and investment program for your future financial security.
Identify Alternative Courses of Action
Developing alternatives is crucial for making good decisions. Although many factors will influence the available alternatives, possible courses of action usually fall into these categories: Continue the same course of action. Expand the current situation. Change the current situation. Take a new course of action.
You need to evaluate possible courses of action, taking into consideration your life situation, personal values, and current economic conditions. Consequences of Choices. Every decision closes off alternatives. For example, a decision to invest in stock may mean you cannot take a vacation. A decision to go to school full time may mean you cannot work full time. Opportunity cost is what you give up by making a choice. This cost, commonly referred to as the trade-off of a decision, cannot always be measured in dollars.
Create and Implement a Financial Action Plan
In this step of the financial planning process, you develop an action plan. This requires choosing ways to achieve your goals. As you achieve your immediate or short-term goals, the goals next in priority will come into focus. To implement your financial action plan, you may need assistance from others. For example, you may use the services of an insurance agent to purchase property insurance or the services of an investment broker to purchase stocks, bonds, or mutual funds.
Reevaluate and Revise Your Plan
Financial planning is a dynamic process that does not end when you take a particular action. You need to regularly assess your financial decisions. Changing personal, social, and economic factors may require more frequent assessments. When life events affect your financial needs, this financial planning process will provide a vehicle for adapting to those changes. Regularly reviewing this decision-making process will help you make priority adjustments that will bring your financial goals and activities in line with your current life situation.
Why Choose Us?
We upkeep confidentiality, professionalism and ethics in soliciting the business.
200% effort to get things done for clients.
Using a systematic approach to discover your financial needs and to find the best solution for it so that you can maximise your resources.
Prompt service to facilitate policy administration and claims.
Strong relationship building and ongoing self-development.
The window is always open for enquiries, consultations and meetings.