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You don't need financial planning, but you do need answers to your financial question(s).


Understand people trust CF Lieu & his team even they are staying outside Malaysia and have not even met us in person


Why C-suite executives trust us for advice

Testimonial from Tan Sun Yau, CFO of IBM M'sia (1978-2007) - via CF Lieu's LinkedIn

Why smart working professionals trust us for advice

Testimonial from SP Ng, HR Manager, KL

"AskCF is really a resourceful & helpful website, particularly on insurance perspective. Your starting approach is already very different from the rest of the agencies or agents out there.

You understood how to put yourself in a customer's shoes and use a sharing approach to guide us in making informed decisions. There is non-hard sell at all.

All in all, I'm really grateful for everything. I'd highly recommend AskCF - talk to CF Lieu & his team to make way better decisions you can yourself"

(note: voice testimonial below)

Why busy medical professionals trust us for advice

Testimonial from Dr Jangjit Singh, Shah Alam

I have engaged CF Lieu for 1 on 1 consultation session, and I have to say, he straightened things out for me which my 5 insurance agents never told me for the past 20 years.

I would highly recommend AskCF membership to anyone who need independent financial advice, even though you don't go for the private consultation session (like I did).

Testimonial from Dr Nik Marzuki Bin Mohammad, Anesthesiologist, KPJ Klang Specialist Hospital

The only regret I have when I engaging CF Lieu is NOT seeking his advice earlier pertaining to my family insurance matters.

Lieu has delivered precisely the the answers I am seeking to solve the insurance issues I had for more than 1 year, which I can't seem to get straight answers from insurance agents.

The advisory sessions had been exceedingly useful in clearing all my doubts on the nitty-gritty stuff and showed me the exact approach to pay less while getting increased coverage.

I am satisfied and extremely thankful to Lieu - the advisory fees is indeed well spent.

Why even expatriates trust us for advice

Testimonial from Pierre Perusset, General Manager – The Ritz-Carlton Hong Kong

The advisory sessions are conducted in no rush have been extremely helpful and have clarified a huge amounts of points which I wasn’t aware prior.

I now feel much better equipped to make the right decision being guided step by step by CF Lieu.

Of course the decision will be entirely mine but having the expertise of an expert from Malaysia who clearly understand the law, the rules , the practices if extremely valuable.

Read Pierre's full testimonial here

Private - Confidential - Anonymous

"We believe piecemeal and ad hoc advice should be made affordable & available to everyone, just like paying a visit to the doctor, without any product sale or marketing pitches.

The market should use a platform where they can get the most honest, genuine, non-biased, non-vested advice

That will empower you to make informed decisions about your financial product purchases based on no one's agenda except your own."


And we think you'd agree that the school system has done us a BIG DISSERVICE by depriving us of the life skills we need when it comes to money management and personal finance ~ as articulated so well by Gary Vee below

More than 1,000+ Questions Answered since 2013

(below are some examples)










Got a question? Why don’t you get it answered?

How does this online advisory works

  • 1A

    PAY TO GET ADVICE (One time - RM 47 or RM 250)

    Use any major credit cards or online banking to subscribe to All payments are processed securely on PayPal/Billplz SSL encrypted payment processor so you are sure that all transactions are secure..
    Fill in your credit card, billing address and contact details, then click SUBMIT.

  • 1B

    PAY TO GET ADVICE (Monthly retainer advisory - RM 24.90)

    Use any major credit cards to subscribe to, however for recurring monthly payments, you need to create a Paypal account linked to your credit card.
    Fill in your credit card, billing address and contact details, then click SUBMIT.

  • 2

    Wait to be Redirected to

    After payment is successful, there is a link "CLICK HERE" for you to be redirected to Otherwise, wait for 10 seconds and Paypal will auto redirect you.

  • 3

    Create your login username and password

    After redirected back to, you will be required to create your own username and password for first time login into the site.
    If this does not happen (it does, sometimes), do not panic. Please drop an email to admin[at] so we can create the access for you within 1 working day.

Once you are inside the members-only-area of, you can:


1A) Ask your questions HERE, and a detailed reply will follow. You also have the option to engage us for a 1-1 session for an hourly fee.

1B) Everything in 1A above, plus a monthly insider update on personal finance related articles and published member's questions; examples of archived articles can be seen HERE

Let me walk you through how you do it

(Click on the video below)

How do I know the advice comes from a team of qualified & credible professionals?

Our principal adviser, CF Lieu is a financial expert engaged by banks, financial institutions and stocks investment management companies to conduct workshops for their staff ccris check

CF Lieu is engaged by these organizations for financial workshops and advisory

Check out CF Lieu Personal Finance Blog at founded since 2011

Interview with CF Lieu Personal Clients

"I liked your approach of advising without financial jargons, just plain english, something I can relate. 

Fees are affordable, and most importantly, from neutral perspective.

From medical perspective, you are prescribing medicine that you are actually eating."

Dr Hans Lim, 34 (Penang), married with 2 children, General Practitioner

"I really appreciate Ching Foo - he is very detailed - Always gives a lot of thoughts to me, always trigger my thinking so we can make the advisory more comprehensive...I really think he stands from Customer Standpoint"

Hong, Ling Seng, 43 (Penang), married with 2 children, Senior Engineering Director @ a Multinational company

"After your advice, I know what I should do...and know whether I am on the right path towards my goals or not"

Captain Sum Wei-Lymm, 26 (Penang), Commercial Pilot

I engaged Lieu all the way from Singapore at the moment where I was almost blindsided by an insurance agent. Lieu's advice has 'saved' me in the nick of time for me to fix the matter I overlooked.

As an analytical professional lacking time and practical exposure in the many aspect of personal finance, I often times feel I can't connect the dots. However, Lieu's process-oriented advisory approach has given me utmost clarity I need to untangle a web of complication, giving me the confidence to move forward with actionable strategy.

Also, I actually casually 'verified' his recommendations with the Finance director friend and he concurred that Lieu's advice does make sense and hold water.

It has been a great experience for me engaging him and I'd vouch for his client-centric approach.

Joe Koon, 36 (Malaysian)

Front Line Leader (Team Manager) at Abbott Singapore

Problem faced: An insurance policy that was unfairly imposed with both loading and exclusion (due to a recovered medical condition)

Solved: CF helped me to strategize a new insurance application that eventually got approved without any loading (premium penalty) or exclusion.

My response below says it all:

Ryan Yeap, 29 (Penang)

Engineer with a multi national company

I appreciate Lieu’s down-to-earth and casual approach. He did tax planning, insurance advisory and retirement roadmapping for me. I can say, I easily achieved 3x hard savings and ROI (return on investment) by engaging him 1 on 1 – that’s just in the first year!

Brandon Loh (36) Independent Film Director, KL

Lieu gave me the most detailed analysis I could ever expect from a financial adviser on why I should restructure my existing insurance policies. As many parents out there, I probably know I am under-insured, but not sure how much and how I could cover this coverage shortfall without incurring additional policy premium costs. Lieu showed me how this could be done, and we subsequently executed the strategy.

Francis Ong (44) Manager, Honeywell Penang

CF Lieu helped me to conduct a thorough tax planning for my private practice and investment portfolio. He came to me at the right timing of my career and, in turn I engaged him for fees-based advisory. I never would have thought a CFP can do advanced company & property tax planning, so I really credit CF for a a fee-based advisory nicely done – giving me and my wife much clarity on the overall big picture.

Dr Thinakaran Malapan, 40 (Ipoh), married with 2 children Gynecologist with Tropicana Medical Center

Working with CF has really been a breath of fresh air. He has been most professional and efficient in all their services rendered. The advisory approach by CF was structured and no fluff– he simplified it without missing the important points, yet not too much information to digest for a non-financial background person. CF is really easy to work with and is prepared to give me + my wife time to discuss ideas, address concerns and solve problems. I can safely say we have never experienced such comprehensive, integrated advisory approach, and we’ve since set our standards high.

John Paul Wang SS, 33 (Kulim, Kedah) Operations Manager, Intel

Priscilia Chua

I like AskCF act as a platform of transparency and honesty without offending any party by raising sensitive questions. I appreciate the fact that it has made me understand insurance in a whole new level.  A rewarding platform! Thank you for your effort to educate and enlighten!

Priscilia Chua, Risk & Safety Consultant, O&G Industry - KL

How does this arrangement benefit you

  • Save Time

    No more searching for answers from Google or forums, or even getting multiple conflicting answers from non-qualified agents without credibility

  • Save Money

    You just need a quick answer, not a full-fledged financial planning service. Also, saving time means saving money too

  • Quick Answer

    Get a quick response to your question in 2 working days, and use it to make informed decisions

  • Independent Perspective

    Have a hard time comparing features from different financial providers? Stop. This is your one-stop platform to get a second independent opinion

  • Know the Truth & Fine Print

    Unsure of the hidden fine prints buried in your financial products brochure? Ask them here in

  • Avoid Costly Mistakes

    Uncover potential mistakes and avoid being sold something which does not suit your needs

The monthly subscription is definitely worth more than the advice & info I am getting from

Single Session In Person Consultation
RM250One Time (Everyday price = RM 500)
    Pay Now

    You self-schedule a web conference call with an associate from CF Lieu Advisory, and you'll be allocated up to ONE Hour 1 on 1 session, to answer your question(s). 

    Note: Self-schedule your call by clicking HERE, after payment. Any requests or attempts to schedule a 1on1 phone call before full payment will not be entertained.

    Single Session Online Consultation
    RM47One Time (Everyday price = RM 99)
      Pay Now

      You submit your question in our internal forum in private, we reply and follow up with you until you are satisfied with what you need answered, within 1 month period.

      Note: You DO NOT have access to our awesome insider content available HERE, updated monthly

      Pay using JomPAY via your online banking (Single Session In Person/Online only)

      • Go to 'Bill Payment' in your online banking portal
      • Select JomPAY
      • Enter Biller Code: 39222 and Ref-1: [yourname]
      • Enter either 47 or 250
      • Send proof of payment to with email title – “AskCF One Time”
      • Wait for our email reply within 24 hours.
      Saiful Amry Mahat, HR IT Manager

      The most useful part of the advisory process was that on how you educate me on optimizing my spending on maximizing coverage at the lowest cost.

      Saved more than RM 6,000 a year for the next 17 years, and that’s not taking into account investing this amount and compounded annually.

      Saiful Amry Mahat, HR IT Manager, Shell, Cyberjaya
      Howie Phang, Technical Support Analyst is good, as almost every month there are new plan/info to look at.

      Learned so much from here in short time what would have taken me months to figure out. It was like 'insurance and financial wisdom' delivered in a capsule.

      Howie Phang, Technical Support Analyst, Revenue Managment & Telecom Billing Industry, Subang Jaya

      You may ask:

      "Why do you charge fee for advice? I can get them for free via Google."


      True, on the same analogy, you can be your own doctor nowadays via Google.

      However, you would still go to see a doctor to confirm if everything is alright.

      That's the difference between free info and consultation. We work on the same analogy as GP - a consultation fee per visit.

      Since we don't intend to sell you any financial products, charging for advice is sustainable way to compensate us for the time put in to advise you.

      Remember, there is no free lunch - you can probably get free advice from a product-selling financial agent, but he will expect you to buy his product and being biased about the product he has to offer.


      You may also wonder:

      "I can learn all of this elsewhere, why should I learn or get advice from you?"

      Yea sure….you could search all over the TONS of to lots of insurance agents....go become a CFP…do ALL this as an independent financial adviser….and gain years or experience...

      OR….you could just take advantage of my experience. I've done that and I took all that and put it into

      AskCF is born after years of of research. I integrate all the contradictory financial advice, eliminate the nonsense, and simplify the whole thing into a cohesive membership website that makes complete sense to both non-expert and experts.

      You’re paying for the royal road to this knowledge.

      • No wasted time.
      • No dead-end paths.
      • No nonsense.

      What is your time worth? What is it worth for you to get the advice you need now instead of later? The time value of the results should be more than enough to justify the subscription price (not to mention the time saved in learning).

      This Is Your Frequently Asked Questions Section

      How does membership work? +

      It's simple. You pay for the level of access you need, create your username & password to access the paying member's area, submit your questions in the paying member's area, and we'll answer you in written form below your original question, usually within 2 working days.

      Aside from that, AskCF is a self-paced content membership website, with lessons in video and PDF transcripts so you can learn in whatever format that is convenient for you. Access to all content is 24/7.

      What's in for me if I subscribed monthly but I don't have any question to ask in any one month? +

      All members will get all future contents which are updated at least once every month. See the list of archived content HERE. The content we are referring to are specially curated stuff you cannot get anywhere else, not via Google or other public domains.

      What are the type of questions you can answer? +

      Any aspects of personal finance as below.

      What makes you credible to do this? +

      CF Lieu runs one of the top independent personal finance portal in Malaysia (check out

      How do you answer my questions? +

      Via a member's only online 'forum', after you submit your questions in that same 'forum'.

      Questions answered on first come first served basis. Please allow for 2 working days for our first reply. If it is something that benefits the other members, the content update in the form of video/article will be posted, anonymously of course. You can also submit your situation for case study with absolute anonymity. is about answering your queries with absolute transparency.

      How do I cancel my monthly subscription? +

      If you subscribed using Paypal, refer to the step-by-step instruction HERE

      If you subscribed using credit card:

      Search your email for a system email by 'ThriveCart' when you first subscribe to AskCF. Inside that email, there should be a link for you to cancel your subscription.

      The video contents don’t work! +

      There are known issues with Internet Explorer and Mozilla. Try Chrome or Safari instead.  Try it on a laptop/desktop computer first because sometimes mobile device will pose problems viewing the content.

      If you still encounter problem, do drop us an email - admin[at] and we’ll help you out.

      Disclaimer: Before acting on any information, you should consider your own objectives, financial situation and needs. In particular, you should seek independent investment advice and, where applicable, read the relevant Product Disclosure Statement or other offer documents prior to acquiring a financial product.