HWM Consultancy

29/10/2025

We’re so happy to be part of I-WEEK 2025/2026: Step to the Summit as a Platinum Sponsor!
Big thanks to the amazing I-Week UM team for your dedication and for recognizing our support 💛
Let’s keep striving together to build meaningful experiences and inspire future changemakers!

23/10/2025

😢 35歲年輕爸爸的故事，讓人心痛又深思…
新聞裡這位 35 歲的年輕爸爸，健康、努力、有責任感──他剛買了新房，準備和太太、兩個孩子以及即將出生的寶寶展開新生活。
沒想到，一場突如其來的意外，讓一家人的未來瞬間改變。💔

這樣的事，可能發生在任何人身上。
想想看，若有一天同樣的情況降臨，我們的家人，是否能有足夠的保障？是否能繼續生活下去而不陷入經濟困境？

💡 現在就是時候檢視你的「財務風險管理計劃」：
🔹 是否有足夠的醫療與人壽保障？
🔹 是否準備了緊急基金？
🔹 是否清楚知道家人的生活需要能否被支撐？

👉 不要等意外發生後才後悔。今天就開始行動，為你愛的人築起最堅實的財務保護牆。

📖 相關故事詳情
https://www.sinchew.com.my/?p=6966002&fbclid=IwRlRTSANlwI1leHRuA2FlbQIxMQABHtcC5n3GuR89ZjEujtNuMbKDMV9Ev7HkwZkj-5H2bKlNg-0j5evSv-eu-0MD_aem_NI3-mghyYRAF_2zxyNwN-w

20/10/2025

Collaboration in Action!

We’re thrilled to partner with the Faculty of Business and Economics, University of Malaya (FBEc) for Interaction Week 2025/2026 — “Mount Kinabalu: Step to the Summit.”

Together, HWM Consultancy and Universiti Malaya are empowering future leaders through resilience, collaboration, and progress.

Grateful to all sponsors and the amazing organizing team for making this impactful journey possible!

20/10/2025

✨ Bright ideas. Bold moves. Brilliant celebrations.
Happy Deepavali from HWM Consultancy! 💫



🪔✨️

14/10/2025

📣 In line with the national initiative — Bulan Literasi Kewangan 2025, we’re proud to officially launch Cashflow Quest — a fun and practical way for both adults and youths to enhance their financial literacy! 💰

Through interactive simulations, gamified learning, and real-life case studies, participants will gain essential money management skills — from budgeting and cash flow planning to financial decision-making.

👩‍🏫 For adults: Experience Cashflow Quest – HRD Corp Claimable Course and level up your financial knowledge through engaging workshops.
🧒 For youths: Join Cashflow Quest for Youths — fun, hands-on activities that teach smart money habits from an early age!

Together, let’s build a financially smart and responsible generation.
👉 “Bijak Sekarang, Masa Depan Terjamin!”

📞 Call us at +6011-1111 2338
📧 Email: hwmconsultancy@gmail.com
🌐 Follow us for more updates:

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13/10/2025

🎉 Congratulations to Our Newly Onboarded Partner — James Yap! 🎉

We at HWM Consultancy are proud to celebrate our newest business partner, James Yap, for achieving his first milestone — qualifying for the 2025 Rookie Life Planner Convention in Phuket, Thailand! 🇹🇭✨

Your hard work, commitment, and enthusiasm have truly set a strong foundation for your career journey. This recognition marks the beginning of many more achievements ahead — and we can’t wait to witness your continued growth and success! 💪🌟

Let’s give a big shoutout to James for this incredible accomplishment — one step closer to greatness! 🙌

10/10/2025

🎉 We’re Now an Officially Registered HRD Corp Training Provider!

Looking to train your staff, your team or even your school students?
From corporate upskilling to financial literacy for youths, we’ve got engaging, impactful programs ready for you — and yes, they’re all HRDC claimable ✅

Have a special training request?
We can customise programs through our group counterparts to support your company or school needs.

📩 Let’s build knowledge together — reach out and let’s start planning your next training!

07/10/2025

💼 High Income ≠ Financial Security

In Malaysia, many couples aged 30–45 are earning a combined monthly income of RM10,000 or more — yet still feel financially stretched.

🏠 Mortgage and car loans pile up.
🎓 Children’s education fees are rising.
🩺 Parents’ healthcare costs are unpredictable.

On the surface, it looks comfortable — but behind the scenes, many families are one crisis away from financial strain.

Here’s the reality:
Medical costs in Malaysia are increasing 7–10% annually.
A single heart surgery can cost RM80,000–RM120,000 — enough to wipe out years of savings.

So where does real financial security come from?
✅ 1. Protect before you invest.
✅ 2. Build layered savings.
✅ 3. Invest wisely.

Let’s move from being “high income” to being “financially confident.”
Contact us now, let our consultant talk to you more about it May Liew Pei Wen Yap

😮 很多马来西亚 30–45 岁的夫妻，
明明夫妻月入 RM10,000，
却依然活得很紧绷：
👉 房贷、车贷压着
👉 孩子教育费跟着
👉 父母医疗费随时可能来

看似体面，其实每天都在担心明天。

📊 真相是：收入≠安全感。
大马医疗费每年涨 7–10%，
一场心脏手术就要 RM80K–120K，
再高的工资，也可能一夜清零。

✅ 真正的底气来自三件事：

防守先于进攻：先确保医药卡 & CI，避免一病拖垮全家。

储蓄要分层：日常开销 + 教育基金 + 应急金（至少 3–6 个月生活费）。

投资要理性：别追暴利，先求稳健复利。

💡 安全感，不是你赚多少，
而是就算出事，生活也不会被摧毁。

别等危机来临，才发现自己只是“高收入，但没底气”。

#保险保障 #马来西亚生活 #财商成长 #家庭责任 #保險觀念 #马来西亚保险 #家庭

06/10/2025

As the moon shines its brightest, we thank you for your continued trust and support. Wishing you a prosperous and fulfilling Mid-Autumn Festival !!🌕🥮

03/10/2025

Alhamdulillah, Program Saringan Komuniti 2025 – “Generasi Sihat, Keluarga Bahagia” yang telah diadakan pada 27 September 2025 (Sabtu) bertempat di Klinik Kesihatan Rantau Panjang telah berjalan dengan lancar.

Terima kasih semua yang hadir ke Program Saringan Komuniti 2025 di Klinik Kesihatan Rantau Panjang! 💙

Meriah dengan saringan kesihatan, pameran ubat, ceramah, permainan & cabutan bertuah 🎉.
Best kan bila keluarga & komuniti sama-sama jaga kesihatan ✨

Jumpa lagi di program akan datang! 🙌

30/09/2025

保險，買還是不買?

✨ 沒事時覺得浪費錢，有事時就是救命符！

👉 一場重病 = 幾十萬醫藥費
👉 一場車禍 = 存款瞬間清空
👉 家庭支柱倒下 = 全家陷困境

保險的本質只有四個字：風險轉移。
不是為了自己，而是為了家人。
最好一輩子用不上，但一旦需要，你會慶幸當初有買。

#保險必備 #守護家人 #健康第一 #未雨綢繆 #醫療保障 #風險管理 #人生安全網 #保險觀念 #家庭保障 #不是奢侈是底線

保险，买还是不买？「保险？有人说是救命符，有人说是浪费钱。」那你呢？属于哪一派？

1️⃣ 為什麼需要保險？
四十多岁的男人，天天晨跑，看起来很健康。
沒想到突然中风，被送进 ICU。命救回来了，但漫長的復健＋高額醫藥費，差點拖垮整個家庭。
這就是生活：很多事，我們根本沒辦法預料。

2️⃣ 保險的本質：風險轉移
很多人誤會：保險要「賺回來」。
其實它的本質只有四個字：風險轉移。
當風險真的發生時，你不是一個人扛，而是把壓力轉給保險公司。
就像安全帶：平時嫌麻煩，但一旦出事，它能救命。

3️⃣ 保險買給誰？

一場車禍：醫療費幾萬起跳，你有準備嗎？

家庭支柱倒下：房貸、孩子學費誰來扛？

一場大病：幾十萬帳單，可能把你的存款清空。

保險不是買給自己，而是買給家人。當意外發生時，他們不至於一起被拖下水。

保險，不是奢侈品，而是底線。
最好一輩子用不上，但一旦用上了，你會慶幸當初有買。

#保險觀念 #健康第一 #家庭安全網 #保障不是奢侈品

20/09/2025

🔥Ever wonder why the rich stay rich?
It’s not just because they’re “investment geniuses.”

👉 The real secret is legacy planning.

📚 Robert Kiyosaki (Rich Dad Poor Dad) said it best:
👉 Poor buy liabilities. Rich buy assets.

Most people think insurance = expense.
But the wealthy know: it’s one of the few assets that can instantly turn into cash and transfer across generations.

⚡ Picture this:
🏠 Real estate? Takes forever to sell (and can lose value).
📉 Stocks? Can crash.
💸 Life insurance? Instant payout → straight to your family.

That’s why the rich always keep a “hidden safety net” behind their flashy investments.

🧠 True wealth isn’t just what you make.
It’s making sure your kids start where you left off — not from zero.

💬 What do you think?
👉 Is it smarter to just chase money… or to protect & pass it on?

DM us if you want to know how the wealthy structure policies for smooth wealth transfer.

💭 你是不是也以为，富人之所以能富，是因为他们投资厉害、眼光独到？

但真相是：真正让他们的家族持续富有的秘密，不是投资，而是传承。

📚 Robert Kiyosaki 在《穷爸爸富爸爸》里说过：👉 穷人买负债，富人买资产。

很多人以为保险是“花钱的负担”，但富人却明白：保险是少数能直接变现、还能 跨代传承 的资产。

⚡ 想想看：
🏠 房产要时间套现，还可能贬值。
📉 股票会跌，基金会亏。
💸 可是人寿保险，一旦风险发生，赔偿金马上能变成“现金资产”，直接传到下一代手里。

这就是为什么很多有钱人，表面上拼命投资，背后一定留着一份传承的保障。
🧠 真正的财富自由，不是你这一代赚了多少，而是下一代能不能站在更高的起点。

💬 你觉得呢？是应该拼命赚钱，还是先想办法守住和传下去？
👉 想知道如何安排保单，让财富顺利传承？私讯我

#财富传承 #理财思维 #穷爸爸富爸爸 #保险 #家庭