Insurance and Financial Advice That Works for You
I’m Y.F. Tham, a licensed financial adviser helping individuals and businesses make confident insurance and financial decisions. Clear advice. No pressure.
Learn More About Me
Helping You Choose Smarter Insurance & Financial Solutions
- Compare quotes from major insurers
- Plan insurance, investments, and estates
- Support for individuals and business clients
- Multilingual service: English, Malay, Chinese, Cantonese
About Me
I hold the Registered Financial Planner (RFP) designation issued by the Malaysian Financial Planning Council since 2021. My member code is M30014935, and I am licensed under Louise Holden Capital Management Sdn Bhd to provide regulated insurance and financial advisory services.
Why Choose a Licensed Financial Adviser Over an Agent or Broker?
When it comes to insurance and financial planning, who you get your advice from matters. Many people don’t realize there’s a big difference between an insurance agent, a broker, and a licensed financial adviser and understanding these roles can save you time, money, and unnecessary stress.
What’s the Difference? Let’s break it down:
| Role | Who They Represent | What You Get |
|---|---|---|
| Agent | Selected insurance company (1-2) | Limited product options from that insurers |
| Broker | You — the client | Access to quotes from multiple insurers, limited to insurance products only |
| Financial Adviser | You — the client | Same as broker + financial planning |
