KYF MalaysiaKnow Your Finance

Know Your FinanceKYF Malaysia

Clarity for your wealth. Confidence for your future.

Insurance, mortgage, and legacy planning — one conversation with specialists who stay aligned with you.

Free clarity call How it works
The ecosystem

Four pillars. One relationship.

Specialists for each domain — shared values, coordinated advice, no product pressure.

01

KYF — Insurance & risk

Personal, family, and corporate protection at the centre of every plan.

Outcome: protected income & familyCore hub
02

WKM Endeavor — General insurance

Specialised cover for assets, business, and corporate risk exposures.

Outcome: assets under coverendeavor.com.my
03

RMS — Mortgage & financing

Home and commercial loans with bank comparison and DSR clarity.

Outcome: clearer financing pathrms2u.com
04

Finergy — Will & trust

Legacy and succession planning so what you’ve built is protected.

Outcome: estate with intentionfinergy.com.my
The people

Behind the ecosystem

Leadership first — then the advisors who stay with your plan.

Leadership

Yap Kah Seng
Yap Kah SengFounder, KYF Group
Tan Chui Hui
Tan Chui HuiFinergy — Legacy & trust
Janice
JaniceRMS — Mortgage & wealth
Cooper Wong
Cooper WongWKM — General risk

Advisors & support

Anastasia
AnastasiaWealth & Risk Advisor
Mei Qi
Mei QiDigital Wealth Advisor
Penny
PennyWealth & Risk Advisor
Chai Kheng
Chai KhengWealth & Risk Advisor
Sia Choi Geok
Sia Choi GeokWealth & Risk Advisor
July
JulyExecutive Assistant & Client Support
Who we are

About KYF Group

Malaysia’s trusted financial ecosystem — transparency, integrity, and genuine care.

Our vision

To be Malaysia’s most trusted financial ecosystem, empowering individuals and businesses through integrated wealth, mortgage, and legacy solutions.

Our mission

To simplify financial complexity via a seamless, one-stop platform — the KYF Ecosystem — where clients receive clarity and data-driven guidance at every stage.

KYF was born in 2018 when founder Kah Seng began as a full-time Wealth & Risk Advisor. Through years of serving clients, one truth became undeniable: trust is the true product.

In 2021–22 we built tools for radical transparency so clients could see the “why” behind every number. By 2023 we shifted to a specialist model — integrating partners instead of stretching one advisor across every product.

Today the ecosystem includes KYF (life & risk), WKM Endeavor (general insurance), RMS (mortgage), and Finergy (wills & trusts) — one relationship, shared values.

How it starts

Three steps to clarity

No forms. No hard sell. A conversation that becomes a plan.

  1. Advisor in conversation with a client

    Chat

    WhatsApp us. Tell us what you’re protecting — family, home, business, or legacy.

  2. Reviewing a financial plan together

    Review

    We map gaps across insurance, financing, and estate with the right specialist.

  3. Family looking ahead with confidence

    Plan

    You leave with a clear next step — optional products only when they serve the plan.

Partnered with leading Malaysian insurers

Great Eastern Great Eastern Takaful
Get in touch

Let’s talk

Initial consultation is free. WhatsApp is fastest.

Ready for a clearer plan?

WhatsApp our advisors for a free, no-obligation clarity call.

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