A licensed financial planner and investment adviser in Johor Bahru, whose licence you can verify
I'm JMarc Chong, a Registered Financial Planner (RFP) holding a Securities Commission capital markets services representative's licence. I entered the field in 2017 and was licensed in 2019, and I practise within a team at VKA Wealth Planners with more than 20 years' combined experience, working alongside lawyers, accountants and tax advisers. I work with Chinese-speaking families and business owners across Johor Bahru and the rest of Johor, from factory owners to Singapore-commuting households (see the client voices below). Bilingual. Book online or message me on WhatsApp first; we can meet in Johor or Singapore, and Kuala Lumpur is mainly online.
Verify first, then talk
Anyone in Malaysia can call themselves a financial planner — but a licence is publicly checkable. Step one isn't listening to a pitch; it's these three registers (check me too):
- BNM Approved Financial AdvisersBank Negara's published list of approved financial advisersCheck →
- SC Public Register of Licence HoldersLook up Capital Markets Services Licence holders, incl. financial planningCheck →
- MFPC Financial Planner DirectoryThe Malaysian Financial Planning Council's planner directoryCheck →
Verify me: JMarc Chong, licence no. eCMSRL/B9396/2019 — searchable on the SC public register above.
What JB families and business owners bring most often
Earned in SG, Money Coming Home
CPF withdrawal, remittance tax (FSI), the Returning Expert Programme — the JB commuter's three big questions.
Cash & Risk Planning for Business Owners
Layering idle company cash, key-person and shareholder protection, operating buffers.
Fund & Investment Planning
Goals, time horizon and risk tolerance first, then how to invest; EPF i-Invest, fund costs, FDs vs funds.
Business Exit & Tax
Tax prep before selling the business, cashflow after, salary-dividend mix.
Legacy, Wills & Trusts
Passing property to children, wills vs trusts, the next generation of a family business.
How to book in Johor
Everything starts online: book a time, or send a WhatsApp message with a line about your situation, and we fix a time from there. We can meet in Johor or Singapore; Kuala Lumpur is mainly online, and video works too.
Areas served: Johor Bahru city centre, Mount Austin, Bukit Indah, Skudai, Iskandar Puteri, Kulai, Pasir Gudang and the rest of Johor — and Singapore.
What Johor clients say
「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.」
More client voices →「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.」
Frequently asked
- I work in Singapore and live in JB — can you help?
- That's my most common case: CPF withdrawal, remitting money home, returning-resident status and REP, and structuring assets across both sides. Bilingual; book online or on WhatsApp first — we can meet in Johor or Singapore, or by video.
- How do I book? Can we meet in person?
- Everything starts with an online booking or a WhatsApp message, and we fix a time from there. We can meet in Johor or Singapore; Kuala Lumpur is mainly online. Video works too.
- How do planners charge in Johor?
- The market ranges from a few hundred ringgit per consultation hour to several thousand for a full plan. I work primarily on advisory engagement fees (annual, half-year or one-off, agreed to suit your needs and made clear before any work begins); if implementation involves a specific product and a commission arises, it is fully disclosed before you decide. You can also choose planning only. The first conversation is free.
- How do I verify a planner's licence?
- Three official sources: BNM's approved list, the SC public register, and the MFPC directory. Name, licence and firm should match — verify me the same way.
- Can meetings and documents be in Chinese?
- Yes — fully bilingual. Documents, meetings and follow-ups can run entirely in Chinese, which matters when parents are part of the conversation.
- Looking for an investment adviser in JB: can you advise on funds and investments?
- Yes. I hold a Securities Commission capital markets services representative's licence. I start with the whole plan (your goals, time horizon, cash needs and risk tolerance) before discussing how to invest and which kinds of instruments fit; I don't open with a fund recommendation. If a specific product and a commission are involved, they're fully disclosed before you decide.
- What can JB business owners come to you for?
- Four things most often: how to layer and manage idle company cash, risk planning for owners and key people, exit and tax preparation before selling or handing over the business, and the salary-dividend mix. Tax and legal points are handled together with your accountant, tax adviser and lawyer.
- What does business risk planning cover?
- Three main questions: can the company hold up if a key person is lost; if something happens between shareholders or partners, who takes over the shares and where the money comes from; and can operating cash withstand late collections. Lawyers draft the legal documents; I work out the numbers and the protection arrangements.
- How much experience do you have?
- I entered the field in 2017 and was licensed in 2019. I practise within a team with more than 20 years' combined experience and long-standing lawyer, accountant and tax-adviser partners; continuity is arranged by the team, so clients are never dependent on a single adviser.
Verify my licence first — then let's talk about your situation. The first conversation is free.
Family Office Practice · Serving Johor/JB · families working in Singapore