Financial Fitness Test
understand your cash flow
The First Step to Smarter Money Decisions Starts Here
Malaysia Leading
financial advisory brand
Is Your Financial Health in Good Shape?
Discover How Financially Fit You Are Now
FTA Wealth Solutions is a
Representative agency of Hong Leong Assurance
Which of These Unhealthy Financial Habits Do You Relate To?
Are You Spending More Than You Earn?
If more money flow out than in, then that's a big problem. Because bad cash flow silently builds financial stress.
Are you counting on rent to cover your mortgage?
Property may seem profitable, but rent often can't cover the loan — most payments go to interest, not principal.
Not Tracking Your e‑wallet Spending?
With so many e‑wallet apps and cashless options at our fingertips, it’s easier than ever to overspend and lose track of your budget.
Are your credit‑card bills spiralling out of control?
Swiping now and worrying later can snowball into unmanageable debt, especially when you’re also juggling multiple instalments each month.
Is "BNPL" Temptations making you overspend?
BNPL services may seem like a blessing for shoppers, but overusing it can lead to piling instalments, strained cash flow and growing debt.
What is Financial Fitness Test (FFT)?
The Financial Fitness Test (FFT) shows you where you stand with your money. It helps you understand your spending, savings, and debt so you can make smarter choices, avoid future financial crises and achieve financial freedom sooner.
Why You Need This?
Gain Crystal-Clear Cash Flow Insights
Stop guessing where your money goes. Understand precisely if you're spending more than you earn.
Fix the Gaps in
Your Finances
Our FFT shows what you’ve overlooked and offers practical steps to help strengthen your foundation.
Reclaim Control of
Your Money
Our FFT equips you with the insights to make confident decisions and guide your finances towards your goals.
What We'll Measure?
Cash Flow
Net Worth
Investment & Risk
Insurance
Coverage
Financial Goals & Planning
Retirement Fund Readiness
What's The Benefit?
Did you know on average, about 70% of Malaysians save less than RM500 per month
(sourced from RMFLS 2023 survey) ?
Our FFT helps you change that by making your cash flow and commitments clear, so you can regain control and achieve your financial goals.
Achieve Financial Freedom before Retirement
We help you create a clear financial path so you can live
life on your terms
without stress or surprises
before your retirement.
Customizable Roadmap To Achieve your Goals
Whether it’s a home, a holiday, or peace of mind, we craft a step-by-step financial strategy to keep you focused, on track, and in control.
Manage your money
with the 20/10/10/60 rule
We guide you to
manage your money through saving 20%, invest 10%,
insure 10%, and 60% for commitment and dependents.
Spot Hidden
Financial Risks
We help you identify blind spots in your cash flow, debt, and commitments, so you can take action before small issues become big problems.
Get Tailored
Expert Advice
Our experienced advisors
offer clear, tailored guidance
based on your financial situation, helping you make smart, confident decisions.
Track Your
Milestones Easily
We give you tools and checkpoints to measure your improvement, stay on course, and celebrate your financial milestones along the way.
Financial Transformation Story
How FTA Wealth Solutions Changed Lives
"Fast & Responsive"
Easing family burdens with crucial
hospitalisation claim.
Joanne
"Exceptional Services"
Successful 6-figure
compensation for cancer.
David
The Retirement Reality Check:
Are You Prepared?
Dive into compelling statistics that reveal the true state of retirement in Malaysia and empower your planning.
The Biggest Threats to Your Retirement Income
Where Retirees Get Their Spending Money
Top Reasons Retirees Struggle to Live Their Ideal Life
Who Should Take This
Financial Fitness Test?
Young professional
who started work
Freelancer working
contracting jobs
Entrepreneurs who
started a new business
Newly married couple Planning to start family
People who have worked 5 years Above
Take Control of Your Finances
in Just 3 Steps
Get a quick snapshot of your savings, spending, debt, and goals.
Receive a personalised score with clear insights to help you make smarter money decisions.
Schedule An Appointment
Step 1
Answer the Quiz
Step 2
Get Personalized Result
Step 3
Schedule An Appointment
Step 1
Answer the Quiz
Step 2
Get Personalized Result
Step 3
Why Choose FTA Wealth Solutions?
+
Satisfied Clients
+
Insurance Claimed
+
Years of Experience
Proven Track
Record of Success
One-Stop Financial Planning Hub
Personalised
Financial Roadmaps
Real Experts,
Real Support
Testimonials
Learn how you can achieve financial freedom
Your journey to
Financial Freedom
Starts here.
Frequently Asked Questions
1. Is the assessment really free?
Yes, 100% free. Our Financial Fitness Test is provided at no cost to help you understand where you stand financially—no hidden charges, no commitments required.
2. How long does the assessment take?
It only takes about 30 to 40 minutes.
3. What information do I need to provide?
Just basic details such as your age, income range, savings habits, and financial goals. No banking or sensitive financial data is required.
4. Is my data secure and private?
Absolutely. We take data protection seriously. All your responses are kept strictly confidential and are never shared with third parties without your consent.
5. What happens after I complete the assessment?
You’ll receive a personalized financial score along with insights into your strengths and areas to improve. One of our licensed financial advisors may also contact you for a free consultation—only if you opt-in.
6. What is the format of the financial fitness test? Face-to-face, online or phone call?
The financial fitness test will be conducted face-to-face. If you're interested, please fill out the form to schedule a slot for the financial fitness test.
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