Comprehensive Planning
A full financial health assessment — cash flow, protection, investments, retirement and estate — with goals evaluated and progress monitored over time.
Licensed Financial Planner & Advisor · Malaysia
From quantum problems
to money problems.
A full financial health assessment — cash flow, protection, investments, retirement and estate — with goals evaluated and progress monitored over time.
Targeted advice on a specific concern — a major purchase, your will and wasiat, or whether your retirement savings are on track.
Access to 8+ insurance and takaful providers and hundreds of unit trusts — so the product fits your plan, never the other way around.
Licensed Capital Market Representative
Islamic Financial Advisor (IFAR)
Shariah Registered Financial Planner
PhD in Physics, Battery Materials
Licensed Financial Planner & Advisor · Malaysia
From a PhD in physics to financial planning, I bring scientific rigour, Shariah-compliant strategy and genuine care to every ringgit you plan, protect and grow.
Your interactive DIY toolkit. Slide through four key financial planning pillars: Cashflow, Protection, Future, and Legacy. Test your numbers, watch Sofina react, and build your plan.
Swipe the cards or use the arrows
World 1-1
Illustrative numbers only — the assumptions are deliberately simple, and this isn't personal financial advice. For that, chat with Sofina!
Your First Step
Adopt these strategies to improve your financial situation immediately!
PS: This book serves to provide tips and strategies on financial planning, but most importantly you need to apply and practice these strategies. Happy reading!
Let's Talk
A first conversation costs nothing — and might change everything.
Your contact details
Dr. Sofina Johari
In 2016, I was a fresh physics graduate who could model battery materials at the atomic level, yet I couldn't manage my own personal finances. No one had ever taught me. That frustration became my calling.
I started my journey with UOB Kay Hian in 2020. Since then, I've earned my licenses, completed my PhD, and mastered the craft of personal finance. Today, I bring the same discipline I once used in the lab to a single question: how do we make your money work honestly and optimally?
As a wealth advisor in UOB Kay Hian, I have access to over eight insurance and takaful providers, hundreds of unit trust options across different fund managers, and multiple trustee companies. My recommendations answer to your needs as my client, not to any single product house. Whether you prefer conventional or Shariah-compliant solutions, my door is open to every Malaysian.
Amy
For general education — not financial advice.
Data shared here is not saved.
One quick step
Enter your details and the PDF downloads instantly.
Thank you! Your download has started.
Website Application
These 10 questions help me understand your situation so we spend our time on high-level strategy, not fact-finding.
Thank you! Sofina will be in touch within 24 hours.