At Excellentte Financial, we are more than just advisors, we are your trusted partners in building wealth, protecting futures, and empowering financial professionals to succeed.
At Excellentte Financial, we believe financial planning is not just about numbers — it’s about empowering you to live the life you want with confidence. Whether you’re building wealth, planning for retirement, protecting your loved ones, or securing your legacy, our personalised strategies provide clarity and peace of mind every step of the way.
Through structured budgeting, debt optimisation, and cash flow strategies, we help you gain control of your finances, reduce unnecessary costs, and build a stronger financial foundation.
Life is full of uncertainties. We identify potential risks and recommend comprehensive insurance solutions to safeguard your health, income, assets, and family’s financial well-being.
From wealth accumulation to retirement income, we design sustainable investment strategies that balance growth and security. Our goal is to help you retire comfortably while enjoying peace of mind along the way.
Whether you’re an entrepreneur or an individual with significant assets, we provide structured business and estate planning strategies that ensure continuity, preserve wealth, and enable a smooth transfer of assets to future generations.
Optimising tax strategies to reduce liabilities and maximise savings.
With financial scams on the rise in Malaysia, we provide education, awareness, and advisory support to help you identify potential fraud before it’s too late. If you encounter a suspicious scheme, our licensed advisers can guide you in verifying its legitimacy and protecting your hard-earned money.
From children’s education to key family milestones, we create tailored savings and investment plans that provide certainty, security, and peace of mind for the people who matter most.
At Excellentte Financial, we understand that every business faces unique challenges and opportunities. Our corporate solutions are designed to help companies protect their people, strengthen financial resilience, and secure long-term growth. From safeguarding your workforce to planning for succession, we partner with you to build strategies that ensure sustainability, stability, and success.
We design tailored employee benefits programs that go beyond the basics. From comprehensive insurance coverage to customised wellness and financial solutions, we help employers build competitive packages that enhance employee satisfaction, productivity, and loyalty.
Every business faces uncertainties. We provide strategic risk protection solutions that ensure your company is financially prepared against unforeseen events—whether it’s protecting key persons, mitigating operational risks, or unexpected liabilities.
We assist companies in setting up and managing Private Retirement Schemes (PRS) as part of their employee benefits package. A well-structured PRS not only helps employees build long-term savings but also strengthens your organisation’s reputation as a responsible and caring employer.
We develop cash management strategies that enable businesses to manage working capital effectively, improve cash flow efficiency, and achieve better returns on idle funds. Our solutions are tailored to balance safety, flexibility, and growth.
Planning for succession is critical to protect the legacy of your business. We provide comprehensive succession planning strategies that ensure ownership, leadership, and wealth are transferred seamlessly—minimising disruption while preserving the long-term success of the business.
Desmond brings over 22 years of extensive experience in Sales and Marketing, both locally and internationally, along with more than a decade of senior leadership roles across PLCs, SMEs, and accounting firms.
He is a highly sought-after trainer, recognized as one of the leading speakers for financial planning seminars conducted in both English and Mandarin. Desmond currently contributes as a columnist for Property Insight and Entrepreneur Insight magazines.
In addition, he serves with Agensi Kaunseling dan Pengurusan Kredit (AKPK) and is an active committee member of the Malaysia Speakers Association. With a strong passion for financial education, he has delivered over 1,000 talks, interviews, and training sessions. His insights are also regularly featured in Money Compass and Nanyang Siang Pau.
Dinesh is the Co-Founder and Managing Director of Novagni Analytics and Advisory. His career commenced in finance and investments where he gained experience in capital raising exercises, private equity investments, and other corporate finance activities. He was involved in capital raising and corporate management assignments in Singapore, Australia and the US.
In 2014, he was part of a team that undertook a management buyout of Malaysia’s pioneer fund research business and co-founded Novagni. Dinesh oversees Novagni’s business development of its client and market growth, as well as the services and solutions required by the industry players.
Dinesh holds a Bachelor of Business in Accounting and Finance from Australia’s RMIT University of Technology and is a Certified Financial Planner (CFP). He is also a CMSRL holder in Investment Advice.
A proven leader with over 40 years of experience in insurance, financial advisory, and corporate management. Served for 11 years as the Executive Director and Principal Officer of a premier financial planning company, which he successfully developed into Malaysia’s largest firm by its number of licensed financial planners.
Prior to that, he built a 19-year career in the insurance industry, achieving success as a career insurance agent and later as an Executive Director responsible for corporate affairs and business development at an insurance brokerage. His early career was spent in corporate finance, serving as Group Financial Controller and Company Secretary.
Committed to industry advancement, he served two terms as Honorary Secretary for the Association of Financial Advisers Malaysia and has been a lecturer for the CFP® program since 2007.
KP Bose Dasan has more than 40 years’ experience in taxation. He served in the Inland Revenue Department for 8 years and practiced as a tax manager with the accounting firm Hanafiah Raslan Mohamad. He had his own tax practice for 20 years and moved into tax training in the last 20 years.
He has authored more than 100 articles on tax, financial planning and investment that have appeared in The Edge, Personal Money, Smart Investor and many other professional magazines, and in the social media. He is literally the first financial planning guru in Malaysia, training financial planners since 1997, ten years before the Financial Services Act 2007.
Syaiful Nazrin is the Managing Partner of SSACO and an Advocate & Solicitor of the High Court of Malaya with extensive expertise in corporate, securities, maritime, and criminal litigation. He began his career as a Deputy Public Prosecutor at the Attorney-General’s Chambers before serving at the Securities Commission Malaysia in both prosecution and regulatory roles.
With over 15 years of experience spanning prosecution, regulatory compliance, corporate advisory, and dispute resolution, he has been involved in landmark cases such as the prosecution of Transmile Bhd and the drafting of key regulatory frameworks including the Securities Commission’s Licensing Handbook, Business Trust Guidelines, and the Capital Market Compensation Fund rules.
Syaiful advises leading corporations, government-linked entities, and international maritime companies, and regularly speaks on securities, licensing, and compliance matters. He currently serves as Legal Advisor to several foundations and associations, and holds positions on regulatory and disciplinary boards, including Chairman of the Disciplinary Proceedings Committee of Association of Financial Adviser Malaysia (AFAM).
Alfred Sek is the Founder & Principal Consultant of Excellentte Consultancy, bringing over 40 years of expertise in financial advisory and business mentorship. He is dedicated to helping clients design effective wealth management and protection strategies, while empowering professionals to build and grow thriving independent advisory practices under his guidance.
A Chartered Financial Consultant (ChFC) from The American College and an Associate Member of the Australian Insurance Institute, Alfred has been at the forefront of Malaysia’s financial planning industry. He was instrumental in pioneering the development of financial planning in the country and is the Founding President of the Association of Financial Advisers (AFA) Malaysia.
In recognition of his leadership and entrepreneurial excellence, Alfred was honored with the Outstanding Entrepreneur Award at the 2019 Asia Pacific Entrepreneurship Awards (APEA).
Ravinder Singh is a seasoned reinsurer with over 30 years’ experience, having held senior roles in London, Amsterdam, Zurich, Singapore, and Malaysia. An actuary, Fellow of the Asia Insurance Institute, and Registered Financial Planner, he also brings a unique lens as an ACE-certified personal trainer and sports nutrition specialist.
He now leads bold efforts to close Malaysia’s protection and health gaps — as President of the Malaysia Towerrunning Association, founder of AQM Tech, and the force behind a social takaful initiative for organ and blood donors.
Driven by purpose, Ravinder believes “the only thing worse than failing is realising you never tried.” He continues climbing — in sport, society, and service.
