Sofina Johari

Licensed Financial Planner & Advisor

Dr. Sofina Johari

From quantum theory
to financial clarity.

Navigating your financial future since 2020.

Powered by UOB Kay Hian's open architecture. Unbiased access to top-tier investments, insurance, takaful, and estate solutions.

Comprehensive Financial Planning

A deep-dive assessment of your financial health — subsequently optimizing cash flow, protection, investments, and estate solutions. Active advisory and continuous monitoring.

Modular Advisory

Targeted solutions for specific goals. Whether you're securing a major purchase, structuring your Will/Wasiat, or benchmarking your retirement readiness.

Open-Architecture Solutions

Unrestricted market access via UOB Kay Hian Malaysia. We find the right products — investments, insurance/takaful, or estate tools — to fit your plan, never the other way around.

Financial Planner

Licensed by Securities Commission Malaysia (eCMSRL/C1713/2022)

Islamic Financial Advisor (IFAR)

Approved by Bank Negara Malaysia

Shariah Registered Financial Planner (Shariah RFP)

Malaysia Financial Planning Council — 2021

PhD in Physics (Battery Materials)

Universiti Malaya — 2022

Licensed Financial Planner & Advisor · Malaysia

Making a difference to your financial future.

From a PhD in physics to financial planning, I bring scientific rigour, Shariah-compliant strategy and genuine care to every ringgit you plan, protect and grow.

Let's Plan!

Your interactive DIY toolkit. Slide through four key financial planning pillars: Cashflow, Protection, Wealth, and Legacy. Test your numbers, watch Sofina react, and build your plan.

Swipe the cards or use the arrows

Status: —

Pillar 1

The In and Out Reality Check

Illustrative numbers only — the assumptions are deliberately simple, and this isn't personal financial advice. For that, chat with Sofina!

Your First Step

Simple financial concepts
for everyone.

Adopt these strategies to improve your financial situation immediately!

PS: This book serves to provide tips and strategies on financial planning, but most importantly you need to apply and practice these strategies. Happy reading!

Client Stories

Real results,
real people.

Thankful to have met Sofina 3 years ago during a sudden financial panic attack. She patiently walked us through the financial planning process and after we committed to the service, the implementation thereafter went pretty smoothly. We (husband and I) were always quite good at putting money away but we never quite understood where we stood financially. Through this process with Sofina, we got the validation that we were on the right path and were educated on ways we could further diversify and grow our investments. We also finally wrote a will, something we had been talking about for years! I appreciate our quarterly meet ups to go over our financials too. Have been recommending Sofina to friends and I know that when they're ready, they'll be calling her!

Married couple, early 40s Senior Manager & Offshore Supervisor

Let's Talk

Your future won't
plan itself.

A first conversation costs nothing — and might change everything.