Built on Values That Matter
At Halivothavira, we believe financial success isn't just about numbers—it's about the principles that guide every decision. Since our founding in 2020, we've helped thousands of Malaysians transform their financial futures through education, transparency, and unwavering commitment to their goals.
"We exist to democratize financial literacy and make goal-setting accessible to every Malaysian, regardless of their starting point. Financial freedom shouldn't be a privilege—it should be an achievable reality for everyone willing to learn and grow."
Radical Transparency
We believe in complete honesty about financial realities. No hidden fees, no unrealistic promises, no sugar-coating the challenges. When we work with clients, they know exactly what to expect, when to expect it, and why we recommend specific strategies.
Real example: When Sarah from Penang asked about aggressive investment strategies in early 2024, we honestly explained the risks and helped her choose a balanced approach that matched her risk tolerance. Today, she's on track to meet her home purchase goal by late 2025.
Education-First Approach
We don't just give financial advice—we teach you to understand the 'why' behind every recommendation. Our goal is to make you financially literate and confident, not dependent on our services forever.
Our monthly workshops in Kuching have helped over 500 participants understand everything from EPF optimization to unit trust selection. Many graduates now make informed financial decisions independently, which is exactly what we want.
Long-term Partnership
Financial goals aren't achieved overnight, and we're here for the entire journey. Whether you're dealing with setbacks, celebrating milestones, or adjusting strategies, we maintain consistent support throughout your financial evolution.
Ahmad started with us in 2021 with just RM200 monthly savings capacity. Through career changes, a marriage, and the birth of his daughter, we've continuously adapted his financial plan. He's now building his second income stream and planning for his child's education fund.
Our Culture of Growth
We've built something special here in Kuching—a team that genuinely cares about Malaysian financial wellness and constantly pushes each other to learn more, do better, and stay ahead of the evolving financial landscape.
How We Serve You
Every interaction with Halivothavira is designed around making your financial journey clearer, more achievable, and genuinely rewarding. Here's what that looks like in practice.
Personalized Strategy Development
No cookie-cutter approaches here. We spend time understanding your unique situation, family dynamics, career trajectory, and personal values before crafting your financial roadmap. Every strategy is built specifically for your circumstances.
Regular Progress Reviews
Life changes, markets fluctuate, and goals evolve. We schedule quarterly check-ins to review progress, celebrate wins, adjust strategies, and ensure you're always moving in the right direction. No autopilot here—every quarter gets active attention.
Educational Resource Library
Access to our growing collection of guides, calculators, market insights, and educational content—all written specifically for Malaysian financial contexts. From EPF strategies to property investment basics, we keep you informed and confident.
Direct Communication
Questions don't wait for business hours, and neither do we. Reach our team directly via WhatsApp, email, or phone. We typically respond within 4 hours during weekdays and make ourselves available for urgent concerns anytime.
"What impressed me most wasn't just the financial results—though achieving my down payment goal 8 months early was amazing. It was how the Halivothavira team genuinely cared about my understanding of every decision. They turned me from someone who avoided financial planning into someone who actually enjoys tracking my progress."