Navigate retirement confidently; avoid the pitfalls along the way

'Retirement GPS by CF Lieu 'helps you build certainty to 'never run out of money before running out of life'

Your payment is processed securely by, a secured online banking platform linked to major Malaysian banks

Watch this message first before anything

You're not weird or alone to be here - there are actually a lot others like you

Find out if you possess the options to Retire from Active Work with Peace of Mind

Avoid getting financially stressed & miserable in your retirement years

Let’s be honest, nobody is looking for a ‘budget’ retirement

Modern day retirement is synonymous with experiencing some of the best things in life, such as dining out at Michelin stars restaurants and luxurious vacations

The aching question in your mind now is this:

"I am ready to live the retirement live I've always dreamt of, but I am also feeling terrified that I will soon run out of money before running out of life"

It *may not happen, but running out of money late into your retirement is absolutely unthinkable if your longevity genes are better than you expect.

You don't want to take any chances.

On the other hand, you absolutely don't want to live like a miser in retirement after years of toiling at your career.

This IS the ultimate reward you have been looking for in your life.

And YES, you absolutely deserved your dream retirement after years of blood and sweat and tears.

This is what makes life worth living.

But right now, you are in a dilemma.

I have followed CF Lieu’s valuable sharing in his blog ( since its early days.

But it was not until I engaged him 1-to-1 that I could really see the value of independent advice he could deliver.

I consider myself financially savvy and comfortably retired with regular passive income than most – yet I think I need a lil’ help from an independent financial adviser who could advise me from different angles to manage my retirement nest egg – so like they say – I don’t run out of money before running out of life!

CF injected much clarity in helping me with this area with his patience and dedication.

- Kuldip Singh (KL/Melaka), Retired Supply Chain Manager

The Background Story WHY this retirement course was created

Since 2012, I had been advising a multitude of clients on managing retirement finances.

But there is a deeper layer to that than just money.

I then began the years-long process of examining inner psychology to find why people are not retiring with the peace of mind they deserve, despite all the money & free information available.

I discovered a concept I call “Retirement Peace Killers,” imagination of the worst case scenarios that could likely happen due to major mistakes in managing your retirement nest egg.

Most of the time, it is invisible to even the closest people in your life because it is hard to articulate and nobody really talks about it.

But that's what gonna happen if you don't have sufficient confidence that your accumulated retirement nest egg can sustain you throughout your retirement years.

We’ve all desired about retiring early but don’t want to live below the poverty line in the later years of retirement.

The knee-jerk response is of course to scour the Internet for a miracle solution, hoping that people who have 'been there, done that' will tell you exactly what to do and what NOT to do.

But know this, everyone is unique.

You could take bits and pieces of information here and there, and haphazardly patch them together as your retirement plan.

It seldom works as well as you expected.

The other knee jerk response is to keep on working, or thinking of cutting your retirement short and take up a contractual/short term positions.

Retirement becomes far from what you envision.

Anxiety over retirement fund sustainability will throw most people into a destructive cycle, called the Wheel of Negativity.

I've seen so much in the many clients I consult on, and believe me, you don't want to ride in this wheel.

It deters you from truly enjoying your retirement years.

"Validated my own retirement plans"

I am now more confident that my money and dividends from investments will last if I manage it according to things I learned in the course.

It has became clearer to me how to adjust to external factors beyond my control. It also helps to know additional information on how to react in case of a bad year of investment returns.

- Choong YK (Penang), Retired Sales Manager

Yes, you can absolutely avoid Retirement Peace Killers and negativity.

By following a system which provides consistent income stream, growing with inflation and large unaffected by recession

In 2012, I created a 2 pronged system. The first prong to resolve this ever fluctuating sustainable income for retirement, and the second prong - mindset.

I tested it with my existing retirement clients.

And monitor the results.

Fast forward to now, suffice to say that the results blew my mind. It gave them a peace of mind and elevated their quality of retirement life.

Best of all...
  1. You don't need to undertake high investment risks
  2. You don't need to use leverage
  3. You can use it regardless of any country you live in
  4. You don't need to an expert in finance to follow the system

Let me show you what I discovered along the way.

But first, I want to ask you an honest question.

If a successful retirement is as simple as buying or investing into any of the many retirement products in the market, why are you still deeply worried about your retirement sustainability?


There are tons of free retirement articles online.

There is no shortage of financial products specifically catered for retirement.

And yet, people are still feeling insecure about their own retirement.

If information and products mattered, almost nobody would be worried about their financial security in retirement.

The truth is, there's something that matters at least as much as the information.

And that missing piece is a system that integrates the financial and psychology aspect of retirement.

The course gave me reassurance that what I have done and am doing so far is on track. I can come back to the learning modules 1,5 or 10 years down the road to check if I am still on track.

Plus, every effective lesson delivery!

- John Lim KS (Petaling Jaya), Retired Banking Software Consultant

Your payment is processed securely by, a secured online banking platform linked to major Malaysian banks

What Motivated me to create this retirement course to help you?

Because years in the financial services industry, I became disenchanted with many financial service providers approaches in educating the man on the street on retirement.

This happens everywhere around the world - whether you are in US, Canada, South Africa, Europe, Asia or Australia

As I started growing my business, I started to see through the industry's shortcomings.

What I discovered was that most of the experts were selling 2 things: PRODUCTS & PROMISES.

They were happy to sell you a product and wash their hands clean, because they didn't care about your retirement success — they just cared about the sale and their sales quota.

I never wanted to run a business like that.

So I spent years crafting my a sustainable retirement system for my clients. It is about impact. I added things that nobody in the industry offers.

Because the brutal truth is that most retirement advice is narrow, simplistic, or downright deceptive.

This is the problem with piecemeal advice, tactics or products: They give you one piece, but never the entire SYSTEM.

In case you are thinking...

Is it just about investing bonds or ETFs?

Nope it isn't.

In the initial years when I started advising clients on retirement - like most advisers, I followed the conventional post-retirement investing mantras - invest in high grade bonds.

However, in the recent years, bonds yields fail to provide sufficient income for retirement, eaten alive by inflation.

Worse, it is prone to defaults which means you aren’t getting your capital back when the bond reaches maturity..

My system of advising clients in retirement involves enjoying the freedom, being proactive in anticipating next year's income without letting the external factors beyond control affect them

It involves more work up front, but...

Retirees who take this route don't spend much time worrying about what they can't control, and avoiding all the negative emotions caused by it

CF laid down a reasonably probable retirement and child education roadmap for us – the level of detail put into this is incredible.

This serves as a compass for me and wife on how to how to manage internal and external factors affecting our retirement plan in the next 10 years.

I was skeptical at first, but then afterwards, I concurred CF's approach fits me perfectly.

- Francis Ong (Penang), Manager, Honeywell Aviation Avionics


Most people wrongly think it has everything to do with personal wealth or material possessions.

Living the good retirement life can mean different things to different people. It depends on what really matters to you - your values, priorities or goals in life.

Balance between the means and meanings along the retirement journey.

One cannot exist without the other. While it is hard to have meanings without having the means, having sufficient means alone won't guarantee meanings.

Therefore, it is always a balancing act. The name of the game isn't just about doing nothing until you finally wither away and pass on.

In fact, during your retirement journey, the things and people you value may change over time. There are also market factors will definitely affect your retirement nest egg.

Dynamic situations require dynamic solutions which you need to adjust over time.

This course teaches you how.

I'm an accountant and spent many years working in most areas of accounting & finance.

I have my own retirement plans, which is not as comprehensive as yours. I took your course to see whether I missed out any key considerations.

After completing the course, I was reassured that I have a fairly robust retirement investing plan in place with many factors taken into consideration. Definitely gave me a useful 'second opinion'

Your course will definitely benefit those who don't have any plan or have little idea on how to go about planning their retirement.

- Pang Hee Min (KL), Retired Investment Director, Khazanah Nasional

I have my own retirement plan - being an accountant, I work with numbers a lot.

But I joined your course because I want to learn the proper ways professionals do it, especially when it comes to what to invest in retirement.

Now I have a much clearer picture. You taught me what's important to focus on, and what can be ignored.

All in all, a very refreshing perspective!

- Poon Mun Leng (Petaling Jaya)

I wasn't expecting to learn much, after all I was skeptical what you had to show/tell someone with many years of accounting experience like myself.

Boy, was I wrong! Your Mastery lessons are actually VERY insightful!

I thought I know everything there is to know about retirement planning but you laid things out in a very different perspective - often challenged think twice about what I thought I knew.

- Choo Heng Hee (Selangor)

Your payment is processed securely by, a secured online banking platform linked to major Malaysian banks


I really appreciate Ching Foo - he is very detailed - Always gives a lot of thoughts to me, always trigger my thinking so we can make the advisory more comprehensive.. - LS Hong, (Penang), married with 2 children, Senior Engineering Director @ a Multinational company

"As any mid-forty years old would tell you, I am in a similar situation where I need to consolidate and get my financial matters in order as retirement nears.

I have my own set of estimated figures, but I need a 2nd set of eyes to give me 2nd opinions if I overlooked anything.

As a ‘virgin’ in engaging an independent adviser, I was naturally skeptical back in 2014 when I first approached Lieu. But I jumped in anyway, so to speak, and Lieu was able to meet what I’ve expected from him.

I am not a person who easily sing people praises, but Lieu did deliver his stuff in terms of giving objective advice in the areas I was searching answers for.

It’s been years since I am his client and I’d vouch for him if you are looking for independent financial advisory."

- Nharong Somchit (KL), General Manager at a US multi-national company

Your Instructor


CF Lieu, a CERTIFIED FINANCIAL PLANNER™ and an engineer (electronics) by training.

Since 2012, CF Lieu made it a mission to deliver financial empowerment & enlightenment through his client-focused 1on1 advisory service and online financial courses/workshops, utilizing technology to maximize reach and impact.

CF Lieu's current client base includes working professionals & business owners, primarily focused on 3 areas:

  1. Wealth Accumulation
  2. Wealth Management
  3. Wealth Preservation.

CF Lieu founded one of the best personal finance site/resources in Malaysia at since 2011, being one of the most trusted & respected independent consultant in the financial advisory space in Malaysia.

His unique & unconventional angle of financial ‘life’ planning is evident by the title itself in his book -

'Why 99% Financial Advice are Crap -

the No Bullshit Approach to do what you're good at, live the life you deserve & enjoy the freedom you desire'

CF Lieu is also one of the rare breed financial planners/advisers who is actually engaged by banks and financial institutions to conduct investment seminars & workshops - like Maybank, RHB, PNB (Permodalan Nasional Bhd), FPAM (Financial Planning Association of Malaysia)...where his audience include CEOs, CFOs, accountants, investment analysts, private bankers, relationship managers etc

This is the main reason I've been able to work with so many household names and big brands in the financial industry, like the ones below

CF Lieu’s availability to work 1on1 with clients is extremely limited. As such, he's very selective and he is expensive (although it will be FAR less expensive than staying where you are).

See CF’s clients’ testimonials below:



Course Curriculum

Available in days
days after you enroll

Your payment is processed securely by, a secured online banking platform linked to major Malaysian banks

Frequently Asked Questions

How does the course work?
This is an online, self-paced multimedia course with each lesson in video and/or article form. You can conveniently squeeze them in during coffee breaks, commutes, or spare minutes One important thing: Don't worry about falling behind. You have lifetime access to this material, so if you need to take a break, that's no problem — you can "resume" the learning material any time you want, from any device.
How long do I have access to the course?
How does lifetime access sound? After enrolling, you have unlimited access to this course for as long as you like - across any and all devices you own.
What if I am unhappy with the course?
When you join the online course you are 100% covered, safe and protected by our 30 days money back guarantee. If for some strange reason this program does not work for you and you do get much value from it, we will give you a FULL refund of the entire purchase price immediately within 30 days and cancel your access to the entire training program. Simple as that. There is absolutely no possible way you can lose by joining the program other than by not trying it out. We would never want you to be unhappy! If you are unsatisfied with your purchase, contact us in the first 30 days and we will give you a full refund. Those are the terms plain and simple and they are very fair. We uphold our guarantee obligations and you can rest assured that your purchase is 100% risk free. Like we said... The only way you can possibly lose is by not trying this out.
When you join this online course, you get instant access to the following: ONLINE LECTURES/TRAINING MODULES: You get login credentials to the online course which contains all the lessons. The lessons are provided via pre-recorded videos and PDF/Excel files which you can download. You get lifetime access to this. UNLIMITED COACHING INSIDE THE MEMBER'S ONLY AREA: I don’t want you to feel like I’m just giving you access to this course and then walking away with no ability to reach us for feedback and questions. You get access to me virtually where I will be available to answer all your questions in the members' only area. This is an invaluable resource to have as it prevents you from getting stuck or frustrated
This is NOT a live, in-person presentation, so you can get started immediately. It’s an online video and audio course you can take at your own pace. Each lesson is 100% content from me (you'll hear my voice in the recording) as I walk you through each step of the process. That also means you don’t have to spend money to attend an event, take time away from your family, and come back home with a notepad full of “to-dos.” As such, it lets you complete this material from the comfort of your own home, at your own pace. You can even learn during your commute. The course comes with lifetime access, so the strategies, tactics, and scripts in this course will always be available whenever you need them.
You're busy, we get It! That's why the online program is taught through pre-recorded lessons which are all available online 24/7/365. It doesn't matter if you go on a one month vacation or miss a training class. All of the information is available in the content portal and you can access it at any time. You get full lifetime access to this training so you will never "fall behind" or miss out on anything. We got you covered! You can start this program the moment you sign up. When you click the buy button you will be in the portal within 30 seconds and have access to all the training. You can start tonight and be taking action first thing tomorrow. The best time to start is always now.
Don't worry — the course come with lifetime access so you can take a break from the material if you’re out of town, on vacation, or just swamped for a few days. Interruptions happen but you can “resume” your learning any time you want and this course will ALWAYS be here for you when you're ready.
What do I do if I need clarifications before enrolling into the course?
Please email [email protected] or call +603 8408 2288 during office hours (Monday to Friday, 9 am to 5 pm)