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TOGETHER
ACHIEVING
FINANCIAL
FREEDOM

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Explore Our Services

We Protect

Life Insurance 

Mortgage Assurance

Income Protection 

Keyman Insurance

Partnership Insurance

We Distribute

Will Writing 

Trust Planning 

Legacy Planning

We Build

Children Education Fund

Investment Planning 

Retirement Planning

We Refinance

Refinancing & Restructuring

Optimizing Repayment Structure

Shorten Loan Tenure

ABOUT US

All Weather Financial Portfolio, we empower individuals, families, and young professionals to take bold, strategic steps toward financial independence, long-term wealth creation, and legacy planning.

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With over 25 years of experience in insurance, investment, mortgage, and estate solutions, our leadership team has guided hundreds of clients and advisors through smart, practical, and future-ready financial decisions. Our ecosystem integrates life and income protection insurance, mortgage loan strategies, estate planning, and unit trust investments, forming a one-stop, end-to-end financial planning platform.

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We are more than just consultants — we are wealth architects, passionate about helping our clients protect, grow, and transfer their wealth across generations.

Powered by an energetic new wave of digitally enabled advisors and led by seasoned industry mentors, our team is built on trust, mentorship, and measurable results. Over 70% of our million-dollar income achievers are under the age of 40 — a testament to our vibrant training culture and entrepreneurial pathway.

 

We don’t just plan for tomorrow — we build legacies that last.

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WHAT OUR CLIENTS SAY

Understanding Needs Base


My first experience, i had learnt the 3 simple formula on how to calculate my protection coverage. Thank you for the advise.

— Jessy from KL

  • What services are offered by the All Weather Financial Portfolio?
    The All Weather Financial Portfolio offers a comprehensive range of services including investment management, financial planning, risk management, and portfolio diversification. Our goal is to create a resilient financial strategy that can withstand various market conditions and help you achieve your financial goals. We also provide personalized advice to ensure that your financial plan aligns with your unique needs and objectives.
  • What are the benefits of diversification in the All Weather Financial Portfolio?
    Diversification in the All Weather Financial Portfolio helps to reduce risk by spreading investments across different asset classes and sectors. This approach can enhance returns, provide stability, and protect your portfolio from significant losses during market downturns.
  • What risk management strategies are used in the All Weather Financial Portfolio?
    The All Weather Financial Portfolio employs various risk management strategies including asset allocation, diversification, regular portfolio rebalancing, and the use of hedging techniques. These strategies aim to minimize risk and protect your investments from market volatility.
  • What are the benefits of mortgage refinancing?
    The benefits of mortgage refinancing include lower interest rates, reduced monthly payments, shorter loan terms, and the ability to access home equity. It can also help you switch from an adjustable-rate mortgage to a fixed-rate mortgage for more stability.
  • Can you explain mortgage refinancing?
    Mortgage refinancing is the process of replacing your existing mortgage with a new one, typically to take advantage of lower interest rates, reduce monthly payments, or change the loan term. It can also be used to access home equity for other financial needs, such as home improvements or debt consolidation. Refinancing can provide financial flexibility and potentially save you money over the life of the loan.
  • Is mortgage refinancing a good option for me?
    Mortgage refinancing could be a good option for you if you can secure a lower interest rate, reduce your monthly payments, or shorten your loan term. It's important to consider your financial goals and consult with a financial advisor to determine if refinancing aligns with your long-term financial strategy. Additionally, refinancing can provide an opportunity to access home equity for other financial needs.
  • Why is income protection insurance essential?
    Income protection insurance is essential because it provides a financial safety net if you are unable to work due to illness or injury. It ensures that you continue to receive a portion of your income, helping you manage your financial obligations and maintain your standard of living during recovery. This type of insurance is particularly important for those who are self-employed or do not have access to employer-provided benefits.
  • What are the benefits of purchasing life insurance?
    Purchasing life insurance provides financial security for your loved ones in the event of your passing. It can help cover expenses such as funeral costs, outstanding debts, and living expenses, ensuring that your family is financially protected during a difficult time. Additionally, life insurance can serve as a financial cushion, helping your family maintain their standard of living and achieve long-term financial goals.
  • What is medical card repricing?
    Medical card repricing refers to the adjustment of premiums for medical insurance cards. This can occur due to changes in healthcare costs, policyholder's age, or claims history. Repricing ensures that the insurance provider can continue to offer comprehensive coverage.
  • Why does money deflate?
    Money deflation occurs when the supply of money in an economy decreases, leading to a decrease in prices. This can happen due to reduced consumer spending, lower production, or tighter monetary policies. Deflation can increase the real value of money but may also lead to economic challenges such as reduced business profits and higher unemployment.
  • Why do I need to save extra for retirement?
    Saving extra for retirement is crucial because it ensures you have enough funds to maintain your lifestyle and cover expenses when you are no longer working. Factors such as longer life expectancy, rising healthcare costs, and inflation mean that having a larger retirement fund is essential for financial security in your later years.
  • Why is investment important?
    Investment is important because it allows you to grow your wealth over time, beat inflation, and achieve financial goals such as buying a home, funding education, or securing a comfortable retirement. By investing, you can make your money work for you and build a more secure financial future.
  • What is the importance of understanding inflation?
    Understanding inflation is important because it affects the purchasing power of your money. Inflation can erode the value of your savings and investments over time. By understanding inflation, you can make informed financial decisions to protect and grow your wealth, such as investing in assets that typically outpace inflation.
  • Why might a will not be as creditor-proof?
    A will is not as creditor-proof because it goes through probate, where creditors can make claims against the estate to recover debts. This can reduce the amount of assets available to beneficiaries. In contrast, certain types of trusts can offer protection from creditors, ensuring that assets are preserved for the intended beneficiaries.
  • How many types of trusts are there?
    There are several types of trusts, including revocable trusts, irrevocable trusts, living trusts, testamentary trusts, and special needs trusts. Each type of trust serves different purposes and offers various benefits, such as asset protection, tax advantages, and control over asset distribution.
  • What is the difference between a will and a trust?
    A will is a legal document that outlines how your assets will be distributed after your death. It goes through probate, which can be a lengthy and public process. A trust, on the other hand, is a legal arrangement where a trustee holds and manages assets on behalf of beneficiaries. Trusts can avoid probate, provide privacy, and offer more control over asset distribution.
  • What is the importance of legacy planning?
    Legacy planning is important because it ensures that your assets are distributed according to your wishes, provides for your loved ones, and can minimize estate taxes. It also allows you to leave a lasting impact through charitable contributions and ensures that your values and wishes are honored after your passing.

All Weather Financial Portfolio
No.2, Jalan PJU 1A/7A,
Oasis Square, Ara Damansara,
47301, Petaling Jaya, Selangor

011 2193 1493

alexsong.cfp@gmail.com

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