Still Waters™ Fiduciaries
We Serve to Impact
At STILL WATERS we believe in transforming lives by providing tailored financial solutions that empower businesses, individuals and families to achieve their dreams. With our client-centric approach and unwavering commitment to excellence, we don't just manage finances. We create lasting impact.
Fiduciary Advice, Built on Trust and Impact
Still Waters™ Fiduciaries serves individuals, families, corporates, and institutions with independent, client-first financial advisory support. We combine practical risk planning, transparent recommendations, and long-term stewardship so every decision remains aligned to your real goals.
Independent Guidance
Objective recommendations shaped by client outcomes, suitability, and clarity.
Holistic Protection
Solutions spanning life and general insurance, from essentials to complex needs.
Long-Term Partnership
Ongoing policy reviews and claims assistance to support every stage of life and growth.
OUR JOURNEY & ACHIEVEMENTS
Our growth is measured by the trust we earn, the protection we structure, and the outcomes we help clients achieve over time.
Insurance Agency
In 2014, J5 began as an insurance agency with Prudential, focused on life insurance.
Travel Liability
In 2018, we designed TOTAL (Tour Operator, Tour Agency Liability), the first such policy in East Malaysia.
Financial Adviser
In 2021, J5 became Still Waters Fiduciaries and began operating as a Financial Adviser licensed by Bank Negara Malaysia.
Collective Fire Insurance
In 2022, we combined clients' scattered fire policies, and many saved more than 30% of their premium.
Trusted Ecosystem
Today, we work with 8 life and 17 general insurance companies and serve more than 700 clients.
Trusted Partnerships
OUR NOTABLE CLIENTS
We are proud to serve a diverse range of clients across various industries, delivering trusted financial solutions and exceptional service.
BECOME A PART OF OUR COMMUNITY
At Still Waters, we strive to create an exceptional customer experience built on trust, empathy, and personalized care. When you join our community, you're not just a client. You're a valued member of it. Our team is committed to understanding your unique needs, providing holistic financial advice, and ensuring your protection and peace of mind. Guided by our core values of Gratitude, Resourcefulness, Accountability, Compassion, and Enthusiasm, we prioritize your goals and empower you to make informed decisions for today and tomorrow. Together, we'll build a secure future and a lasting relationship based on mutual respect and shared success.
Years of Experience
Satisfied Clients
Life Insurers
General Insurers
Testimonial
“Still Waters helped us restructure our entire corporate insurance portfolio. Their independent advice saved us significant costs while improving our coverage. Highly recommended!”
Sarah Lim
Business Owner · SL Trading Sdn Bhd
Testimonial
“Finding the right life insurance for my family was overwhelming until I met the team at Still Waters. They explained everything clearly and found us the perfect plan within our budget.”
David Wong
Family Man · Kuching
Testimonial
“The employee benefits package they designed for our company has been fantastic. Our staff love the coverage, and the claims process is always smooth with their support.”
Melissa Tan
HR Manager · Tech Solutions Sdn Bhd
Testimonial
“After retiring, I needed to review all my policies. Still Waters conducted a comprehensive review and helped me optimize my coverage for this new phase of life. Excellent service!”
James Ong
Retiree · Kuching
Testimonial
“As a first-time insurance buyer, I appreciated how patient they were in explaining all my options. No pressure, just genuine advice. I've already referred my friends!”
Amanda Lee
Young Professional · Sarawak Energy
Testimonial
“When my restaurant faced a fire incident, Still Waters was there every step of the way during the claims process. They truly advocate for their clients. Thank you!”
Robert Chin
Restaurant Owner · RC Food & Beverage
On a mission to protect what matters most
Still Waters helps individuals, families, and businesses make confident insurance and risk-planning decisions through independent, client-first advisory.
From selecting suitable protection to supporting complex claims, our team combines practical guidance with long-term stewardship so every decision stays aligned to your goals.
We focus on clarity, trust, and real results, because good advice should give you peace of mind and make your finances more resilient.
12+
Years of Experience
700+
Satisfied Clients
8
Life Insurers
17
General Insurers
Working Partners
Meet our trusted partners for your next protection plan
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