Question 1

What is a financial adviser in Malaysia?

Accepted Answer

A financial adviser in Malaysia is licensed to provide independent financial and insurance advice across multiple insurers.
Unlike tied insurance agents, a financial adviser represents the client’s interests, not a single insurance company.

Question 2

Is Still Waters Fiduciaries a licensed financial adviser?

Accepted Answer

Yes. Still Waters Fiduciaries operates through licensed and regulated Financial Adviser Representatives (FARs) in Malaysia, complying with all applicable regulatory and compliance requirements.

Question 3

How is a financial adviser different from an insurance agent?

Accepted Answer

An insurance agent represents one insurer only.
A financial adviser can:
• Compare products across multiple insurers
• Recommend solutions based on suitability
• Provide ongoing advisory and claims support
This results in more objective advice.

Question 4

Do I need to pay for a financial consultation?

Accepted Answer

Initial consultations are generally free of charge.
For complex personal or corporate advisory work, any applicable fees will be clearly disclosed upfront before engagement.

Question 5

Can you review my existing insurance policies?

Accepted Answer

Yes. We provide insurance policy reviews to assess:
• Coverage gaps
• Overlapping or unnecessary policies
• Outdated benefits
• Cost versus value
There is no obligation to change policies after a review.

Question 6

Will you ask me to cancel my current insurance?

Accepted Answer

No. We only recommend changes when there is a clear financial or coverage advantage.
If your existing insurance is suitable, we will advise you to keep it.

Question 7

Do you help with insurance claims?

Accepted Answer

Yes. We provide claims assistance and support, including:
• Documentation guidance
• Liaison with insurers
• Follow-ups until resolution
This service is part of our ongoing advisory role.

Question 8

Do you provide corporate and employee benefits advisory?

Accepted Answer

Yes. We advise businesses on:
• Group medical insurance
• Employee benefits planning
• Keyman insurance
• Business risk protection strategies
Our focus is cost efficiency and long-term sustainability.

Question 9

How does Still Waters Fiduciaries earn income?

Accepted Answer

We earn income through:
• Advisory fees (where applicable)
• Regulated commissions from insurers
All remuneration is handled in accordance with regulatory requirements, and recommendations are not driven by commission size.

Question 10

Who should engage a financial adviser?

Accepted Answer

A financial adviser is suitable for:
• Individuals and families
• Business owners
• SMEs and corporations
• Professionals and high-income earners
If you have income, assets, or business risks to protect, advisory services add value.

Question 11

Is my personal and financial information secure?

Accepted Answer

Yes. All client information is handled with strict confidentiality and professional data protection standards.

Question 12

How do I start with Still Waters Fiduciaries?

Accepted Answer

You can start by:
• Booking a consultation
• Sharing your financial or business objectives
• Receiving an independent assessment and recommendations
• Deciding at your own pace — no pressure

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