Malaysians working in Singapore
SGD income, family in Johor or KL. EPF and CPF, dual tax residency, currency and the timing of coming home — you need someone who reads both sides.
Licensed Chartered Financial Planner · Malaysia
Full-picture wealth planning for cross-border families, business owners and near-retirement households
Business, family, protection, retirement and legacy — on one clear wealth map.
I listen first; then we both judge the fit — and if it isn't right, I'll say so.
Registered as CHONG CHEE SING · Licence eCMSRL/B9396/2019 · Verifiable on the BNM / SC registersEngagement-fee first · commissions disclosed before you decideIn person in Johor & Singapore · online for KL
Who I Serve
The situations I handle most
Different situations, different worries. Find yourself first — then decide whether to read on.
Business owners
Most of your wealth sits inside the company. Working capital, key person, exit and succession — you need a family balance sheet that lives outside the business.
Second-generation successors
You've just taken over. The assets and policies were bought by the last generation — so were the assumptions. You need a systematic stocktake, and a third party both generations will listen to.
Near-retirement families
Half a lifetime of work; EPF, savings and a house to show for it. Money must switch from earning to protecting and spending — get the order wrong and it's hard to undo.
Ordinary dual-income families
Teachers, managers, engineers — no business equity, nothing complicated. I serve these families too, usually at the lower end of the fee range; and if you'd rather not talk yet, start with the free tools.
Five Risks
Five risks, checked every time
Planning doesn't start from a product. It starts from risk — these five, every time.
Liquidity
Plenty of assets, none available in a pinch. Family emergency fund, business working capital, multi-currency cashflow — first, count the money you can actually reach.
Protection & liability
Death, disability, medical and key person. Buying the policy is one thing; a claim actually paying out is another.
Concentration
Too much in the company, one property, one currency or one income. Separate the eggs before you need to spend them.
Retirement & longevity
Two fears: money that runs out in your nineties, and a market fall in the first years of retirement. Assumptions in writing, spendable money separated from reserved capital, and a cash buffer for the bad years.
Cross-border & legacy
Assets, beneficiaries, wills and trusts across two countries. Tax is reviewed by licensed tax professionals; my job is putting it all into one plan.
How We Work
First conversation to annual review, in four steps
Every step has a concrete output — and you can stop at any of them.
01
First conversation
A free 30 minutes. I listen — family, business, and what already worries you.
02
Wealth & risk map
Cashflow, balance sheet, protection and concentration — organised onto one readable page.
03
Scenarios & strategy
Normal years, bad years, longevity and disability — every assumption written down first, then tested one by one.
04
Execution & review
Who does what, by when, and how interests are disclosed if products are involved. Then a review every year.
You will hold: a one-page wealth map · a risk register · a retirement cashflow stress test · an implementation priority list. Results rest on stated assumptions — they are not guarantees.
Client Cases
Four real situations
No return-rate mythology — just how real families thought things through.
Cross-border · SG–MY
A Singapore income, a Malaysian home
An executive working in Singapore, SGD assets compounding. Phased repatriation, dual-currency allocation, the family's protection fixed first — with tax arrangements reviewed by licensed tax professionals.
Enterprise · Succession
A three-year family-business handover
A 55-year-old founder, a 32-year-old successor, a mid-sized manufacturer. A structured three-year handover, trust design and next-generation development — a steady transition, and the business never stalled.
Family governance
A three-generation family's first charter
Six family members at one table. A family charter, an investment policy statement and next-generation financial education — less conflict, and the wealth found a direction.
Entrepreneur · Retirement
Turning business equity into retirement cashflow
A 55-year-old founder planning a five-year exit. Valuation, exit timing, and a 20-year retirement cashflow tested under stated assumptions — income no longer depending on the business alone.
All cases are published anonymised; client families span very different asset levels.
Browse the full library →Client Voices
In their words
Every quote is published with the client's consent, anonymised. Where projections are mentioned, they rested on assumptions stated at the time — not guarantees.
“JMarc never felt like someone just selling a product — he genuinely understood our company's cash flow, risks, and future direction first. He showed me that a company's money isn't only there to sit and wait; it can be managed with far more structure.”
“What struck me most working with JMarc is that he understands both the pressure on a business owner and the worries of a second-generation successor. He doesn't rush to answers — he helped us untangle family, company, and future funding, layer by layer.”
“What I value most is how clearly JMarc explains things — never burying you in jargon. He helped me organise my income, insurance, investments, and retirement goals into a direction that finally feels solid.”
“JMarc made me rethink what it means that ‘having income doesn't mean having a plan.’ He helped me see how risk, cash flow, and asset allocation connect — not just the rate of return.”
Over nine years, 200 families and 36 businesses have entrusted me with their long-term planning — most new clients arrive by their referral (as of 2025).
All client voices →About JMarc
First, who you'd be talking to
I'm CHONG CHEE SING — clients call me JMarc. A Licensed Chartered Financial Planner practising in Kuala Lumpur; in the field since 2017, fully licensed since 2019.
Most of my work has been owners' exits and succession, cross-border families' two-country books, and near-retirement cashflow testing. The method isn't mysterious: lay the risks out first, then talk about arranging the money.
My licence and registered name are on the BNM, SC and MFPC registers. Don't take my word for it — verify first, then decide whether to talk.
- LicenceBNM Licensed Chartered Financial Planner (LCFP) · SC CMSRL eCMSRL/B9396/2019
- VerifyBNM Approved Financial Advisers (Look up the name and the firm) ↗SC Public Register of Licence Holders (Look up licence no. eCMSRL/B9396/2019) ↗MFPC Financial Planner Directory (Look up the member's name) ↗
- Track record9 years in practice · 200 families and 36 businesses served long-term (as of 2025)
- PartnersLawyers, accountants and tax professionals — a long-standing dedicated team with 20+ years of practice
- ContinuityI practise within a team, with a senior adviser and colleagues. If I'm ever unable to work, the team contacts every client and arranges the handover — prepared long before it's needed
- MoreCredentials, languages and the story →
Fees & Boundaries
How fees work, and where the lines are
My income is engagement-fee first. If implementation involves a specific product and a commission arises, the amount and the conflict of interest are fully disclosed before you decide. You can also choose planning only, with no product implementation at all.
- Engagement fees first: annual, half-year or one-off, agreed to suit your needs and made clear before any work begins.
- After the first conversation and before any engagement, you receive a written quote in black and white. Until then, nothing is charged.
- Tax, legal and trust work is delivered or reviewed by licensed professionals in a long-standing dedicated partnership — a collaborating team with over 20 years of practice. Where third parties are involved, their fees and roles are set out before we start.
- My licence is Malaysian. For Singapore and other cross-border matters I work with licensed professionals there — what I can and cannot do is spelled out at the first conversation.
- I never hold your assets. Accounts and policies stay in your own name.
- Don't take my word for it — verify the licence first.
Not ready to talk? Run the numbers yourself.
Free self-checks for EPF, retirement, education and your emergency floor — all computed locally in your browser, no phone number required. Results rest on your inputs and stated assumptions; they are reference, not guarantees.
Research & Insights —— Long-horizon frameworks, risk notes, and the daily brief. (Today: 黄金RSI极度超买，4,270支撑成关键：实时更新)
Read on →Next Step
Book a 30-minute intro call
The intro call involves no products; before any engagement you'll hold a written quote. In-person meetings are available in Johor and Singapore; KL is mostly online. Form replies take 1–2 working days; WhatsApp is usually faster in working hours. Your details are used only to reply to this enquiry — never a marketing list.