Learn more about transforming your financial future through personalized consultations and strategic analysis. Our subscription-based approach provides ongoing support for your money management journey without the complexity of traditional advisory services.
Financial planning involves risk and individual results may vary significantly based on personal circumstances.
Marketing Manager, Kuala Lumpur
The monthly consultations completely changed how I approach my finances. Instead of feeling overwhelmed by conflicting advice online, I now have clear direction and confidence in my financial decisions. The personalized attention makes all the difference.
Business Owner, Penang
Having consistent access to professional financial guidance has been invaluable for both my personal finances and business planning. The subscription model means I can get advice when I need it most, without worrying about hourly fees adding up.
Educator, Johor Bahru
What I love most is the practical approach to financial planning. No complicated jargon or pressure to buy products — just honest, straightforward guidance that fits my lifestyle and goals. The peace of mind is worth every ringgit.
August 15, 2025
Discover practical strategies for building financial resilience in uncertain times. Learn how to determine the right emergency fund size for your situation and explore flexible saving approaches that work with Malaysian banking options. Results may vary based on individual circumstances.
August 8, 2025
Starting early makes a significant difference in retirement outcomes. Explore age-appropriate planning strategies and understand how time can work in your favor. This article covers practical approaches for building long-term financial security through consistent planning habits.
July 28, 2025
Effective family financial management requires more than just budgeting. Learn about coordinating multiple financial goals, planning for children's futures, and creating systems that work for busy households. Individual results may vary based on family circumstances and commitment levels.
Satisfied Clients
Planning Projects Completed
Years of Experience
Client Satisfaction Rate
September 5, 2025
Join us for an interactive discussion on budgeting basics and money management principles for beginners.
2:00 PM - 4:00 PM
September 18, 2025
Explore retirement planning concepts and discuss strategies for building long-term financial security.
7:00 PM - 8:30 PM
October 2, 2025
Learn about managing household finances and coordinating multiple family financial goals effectively.
10:00 AM - 11:30 AM
Founded Xenoluraviaq with a vision to make professional financial guidance accessible to everyday Malaysians
Expanded services to include comprehensive consultation packages and personalized planning approaches
Adapted to digital consultations and developed remote financial planning capabilities during challenging times
Launched subscription-based planning model to provide ongoing support and continuous financial guidance
Every consultation is tailored to your specific situation and goals. We understand that no two financial journeys are identical, so we focus on creating strategies that fit your lifestyle and circumstances.
Our clear monthly subscription eliminates surprises and hidden fees. You know exactly what you're paying for ongoing access to professional financial guidance and support.
With 14 years of experience in Malaysia's financial landscape, we understand local regulations, banking systems, and economic conditions that affect your planning decisions.
Our revenue comes from subscriptions, not product commissions. This means our advice focuses solely on what's best for your financial situation, not what generates sales.
Financial questions don't follow schedules. Our subscription model provides ongoing access to guidance when you need it most, helping you stay on track with your financial goals.
We emphasize actionable strategies you can actually implement. Our discussions center on realistic approaches that fit into your daily life and budget constraints.