1. Are you assured of your family’s financial security if you are physically incapacitated or die prematurely?

2. Are the funds in your Employees Provident Fund (EPF) account adequate for your retirement needs?

3. Do you have a clear plan and strategy on how to provide funds for your children university education?

4. Are your investments sufficiently and effectively diversified to cater to all risk situations and your specific requirements?

5. Can you keep your spending within budget?

6. Do you have adequate net income after expenses left over to invest and grow your wealth?

7. Have you legally documented how your assets will be distributed to your heirs or your other purposes upon your demise?

8. Are you getting unbiased and competent and professional advice and options on your investments or insurance requirements or usually get sales pitches that do not meet your actual interests.

9. Do you have a shareholder’s agreement for your business with your business partners?

If your answer to any or many of such questions above is in the NEGATIVE or you are uncertain, then you really need financial planning help!