LAU SEONG WAH  CFP® 

Certified Financial Planner

Professional Estate Planner

Mortgage Consultant

Unit Trust Consultant 

ü    Graduated in Bachelor of Civil Engineering, University Malaya 

ü    6 years in project management of multi-billions infrastructure projects before switch himself fully in financial planning stages 

ü    Worked with a Securities Commission licensed Financial Planning firm specializing in tax planning and risk management, which also provides training and consultation to personals dealing in financial service 

ü    Being invited as speaker of public seminar sharing on individual and family financial planning knowledge and practical tips 

ü    Provide comprehensive financial planning services with specialization in personal estate planning, mortgage reduction and investment 

ü    Strategically alliance with professional partners and companies in providing holistic financial planning advisory services and products

“以终为始”-人生的生涯规划如此，生涯规划的重要一环-理财，也应该如此。无论是投资规划、遗产规划等等，个人能够以自己对未来（如晚年）理想为“终极”目标，现在开始着手规划、付诸行动，便可以轻松实现。 在投资规划方面，能设定长期的目标-如规划黄金晚年、孩子的高等教育基金、家族或社会关怀基金需要，配合有纪律地实现，人生便不易迷失方向。

在遗产规划方面，他除了从法律角度立一份合格有效的遗嘱外，也从理财角度替顾客做出合理的规划。在完成遗产规划的当儿，刘祥华也常协助顾客们分析、改善其养老退休、投资、节税、节息、风险等理财规划及管理。 刘祥华特许财务规划师曾在一间拥有证卷委员会投资顾问执照的财务规划公司担任业务发展经理及助教，拥有丰富的专业理财知识及实战经验。

刘祥华毕业于马来亚大学，考获土木工程荣誉学士学位，先后曾在两间挂牌公司及一间财务规划公司担任管理层，参与管理价值数十亿令吉的发展计划。 从十三岁开始，半工读之余祥华仍积极参与社区的建设及服务，并参与及成立数个区域性社团组织。目前已婚，太太任职中学华文及文学老师，育有一名2005年3月份出世的儿子。业余时仍然热心公益活动。

 刘祥华现在是:

• 专业财富规划师 Professional Wealth Planner

• 专业遗产规划师 Professional Estate Planner

• 专业商务方案规划师Professional Business Solutions Planner

• 信托基金咨询顾问 Unit Trust Consultant

• 房屋节息贷款咨询顾问Mortgage Reduction Planning Advisor

专才顾问有限公司
Professional Wealth Consultants Sdn Bhd
7(2nd Floor) Jalan Barat, 46050 Petaling Jaya, Selangor.

K-3,Tingkat 1, Jalan Bidor Raya, 35500 Bidor, Perak.

30, Jalan Padang, 28300 Triang, Pahang.

344(1st Floor), Jalan Kamunting, 34600 Kamunting, Perak

电话/传真：　05- 434 7803
手机： 　012- 541 4492