Terrence Teh – Associate Consultant | Personal Finance & Cross-Border Planning (Malaysia–Australia)
Associate Consultant
I’m Terrence Teh, an Associate Consultant with FA Advisory, passionate about helping individuals and families achieve clarity, structure, and growth in their financial journey.
With a background in accounting, tax, and paraplanning for Australian advisory firms, I bring both local Malaysian insight and international financial planning expertise. I am currently pursuing the Registered Financial Planner (RFP) certification to deepen my knowledge in estate planning, retirement strategies, and wealth management.
I specialize in:
Cross-border planning for Malaysian families with ties to Australia (education, property, retirement, investments).
Insurance & risk management, including corporate employee benefits and group insurance.
Wealth accumulation & retirement planning, with strategies tailored to long-term growth and protection.
My goal is to make financial planning simple, structured, and aligned with your life goals, whether you are starting your career, expanding your family, or planning your legacy.
My Content
Terrence Teh – Associate Consultant | Personal Finance & Cross-Border Planning (Malaysia–Australia)
Associate Consultant
I’m Terrence Teh, an Associate Consultant with FA Advisory, passionate about helping individuals and families achieve clarity, structure, and growth in their financial journey.
With a background in accounting, tax, and paraplanning for Australian advisory firms, I bring both local Malaysian insight and international financial planning expertise. I am currently pursuing the Registered Financial Planner (RFP) certification to deepen my knowledge in estate planning, retirement strategies, and wealth management.
I specialize in:
Cross-border planning for Malaysian families with ties to Australia (education, property, retirement, investments).
Insurance & risk management, including corporate employee benefits and group insurance.
Wealth accumulation & retirement planning, with strategies tailored to long-term growth and protection.
My goal is to make financial planning simple, structured, and aligned with your life goals, whether you are starting your career, expanding your family, or planning your legacy.
Cross-Border Family Financial Planning (Malaysia ↔ Australia)
I specialize in helping families with financial connections across Malaysia and Australia. From managing assets and income streams in different countries to ensuring retirement and estate strategies align with cross-border rules, I provide clarity and structure to complex financial lives.
Tax Planning & Compliance
With a diploma in accounting and hands-on experience preparing tax matters for foreign jurisdictions, I bring practical knowledge in structuring tax-efficient solutions. I assist families and business owners in navigating both local and international tax considerations to minimize liabilities and improve long-term outcomes.
Insurance Needs Analysis
Every family has unique protection needs. I conduct comprehensive insurance reviews—life, health, disability, and group corporate insurance—to ensure your coverage truly matches your financial situation and life goals, without leaving you under- or over-insured.
Retirement Needs Analysis
Planning for retirement goes beyond just saving. I help families project their income needs in retirement, assess EPF, PRS, superannuation, and investments, and design strategies to maintain lifestyle security despite inflation and longevity risks.
Wealth Accumulation & Cashflow Strategies
By combining structured budgeting, debt reduction, and surplus allocation, I help families maximize wealth growth. I also apply strategies such as debt recycling and disciplined investment frameworks to build sustainable, long-term financial strength.
Estate Planning & Legacy
A well-structured estate plan protects your loved ones and your legacy. I work with families—both Muslim and non-Muslim—to create practical solutions using wills, hibah, and trusts, ensuring that wealth is transferred smoothly and according to your wishes.