Joseph AwRegistered Financial Planner and founder of JomFIRE

When you take money guidance from anyone online, you should be able to check who they are. My membership with the Malaysian Financial Planning Council can be checked independently on MFPC's own site:

1. Open the MFPC membership verification page.
2. Enter my member code: M30020159
3. Type the security code shown on the page, then click Search.

MFPC is the professional body that awards the Registered Financial Planner (RFP) designation in Malaysia.

My expertise is in building digital platforms, designing customer-centric experiences and running digital marketing campaigns that reach people where they are. Above all, I've focused on helping people understand financial products in simple, jargon-free language.

JomFIRE is my personal ambition. It started as the plan I made for my own financial independence, and I've decided it's time to share that journey with everyone. The tools and guides here help you work out your own number and plan the life you want, on your own timeline.

• Registered Financial Planner (RFP)ProfessionalMalaysian Financial Planning Council (MFPC) · Member code M30020159
• Master's in EconomicsPostgraduateUniversity of Malaya
• BA (Hons) Business Economics and ManagementUndergraduateUniversity of Nottingham

“Most people learn personal finance the hard way. I wanted Malaysians to see their number early, plan their time off on purpose, and let their money work for them.”

I'm on my own FIRE journey, moving from a job-focused life to a life-focused one. I don't believe retirement has to wait until 60. With a clear number and a plan, you can retire in chapters: a funded break now, financial independence later.

JomFIRE is where I share what works, in plain language, using Malaysian rules and numbers: EPF, ASB, fixed deposits and the real cost of living here.

• Official sources first. Rules and figures come from KWSP (EPF), Bank Negara Malaysia, the Securities Commission and other official sources, and are linked where possible.
• Kept up to date. Articles show when they were last updated and are reviewed when rules or rates change, such as EPF thresholds or dividends.
• Examples are illustrations. Worked examples use sample numbers to explain the maths. Your own situation will differ.
• No paid product placement. JomFIRE isn't paid to feature financial products. If that ever changes, it will be clearly disclosed.

Find your FIRE number in less than 3 minutes, talk your plan through with me in a free 30-minute consultation, or start with the guides.