Are you a pharmacist who’s good with patients, but not sure if you’re good with money?
You’ve spent years training to take care of other people’s health. You have a stable, respected career. But when it comes to your own finances — your EPF, your investments, whether you’re saving enough to retire early or even just retire comfortably — you’re not entirely sure if you’re on the right track.
Maybe you’ve thought about this:
“I earn decently, but where is all the money actually going?”
“I want more options — to work less, to retire early, to not be tied to shift work forever — but I don’t know if that’s realistic for me.”
“I don’t have time to learn investing properly, and I don’t trust random advice from agents trying to sell me something.”
If any of that sounds familiar, you’re in the right place.
I work primarily with healthcare professionals — especially pharmacists — who want more control and more options with their money. Some want to retire early. Some just want clarity: a clear plan instead of a vague feeling that “it’ll probably be fine.”
I focus on this group because I understand the shape of your career: stable but capped income, possible locum or relief shifts, long hours that leave little time to research financial products properly, and a professional culture that doesn’t really teach personal finance.
I’m Leckas. My journey with money didn’t start as a financial planner — it started as a confused 20-something with a part-time job and RM-whatever in my pocket, buying my first unit trust fund in 2007 because I’d read about investing in college and figured I should “just start.”
Over the next 15+ years, I made plenty of mistakes. I lost money. I also had wins. I learned, slowly and sometimes expensively, what actually works and what’s just noise.
Along the way, I noticed something else: many healthcare professionals — pharmacists especially — were in a strange position. Good income, stable jobs, genuinely smart people… but their finances were stuck on autopilot. No real plan. No one had ever sat down with them and asked, “what do you actually want your money to do for you?”
That gap is what pulled me from writing about investing online to becoming a licensed financial planner. How do I know about this? Because I am one of you too. I face the same issues as you – the high workload, the sometimes unreasonable deadline, and the burnout. So, I wanted to take what I’d learned — the expensive way — and use it to help people who didn’t have the time or interest to learn it the hard way themselves.
A few things I believe strongly about money and planning:
A good plan beats a good product, every time.
I'm not here to sell you a unit trust or an insurance policy first and call it "planning." Planning starts with your goals, not a product brochure.
Options are the real goal — not just "more money."
Whether that's the option to retire early, reduce your hours, or simply stop worrying — that's what financial planning should buy you.
You don't need to become a finance expert.
You need a plan you understand and trust, and someone who can explain the "why" in plain language — not jargon.
Slow and steady, done consistently, beats most "hacks."
I learned this the hard way through my own investing mistakes, and I'd rather help you skip that tuition fee.
Since trust is the whole point, here’s where that trust comes from:
- Registered Financial Planner (RFP) — completed 2022
- Licensed Financial Planner, registered with the Securities Commission Malaysia (License No. eCMSRL/C3167/2023) — verify here
- Unit Trust Consultant license and Private Retirement Scheme Consultant license (F01076056), Federation of Investment Managers Malaysia — verify here
- Licensed under VKA Wealth Planners — vka.com.my
- Writing publicly about Malaysian personal finance and investing since 2018, with a track record of real (and openly shared) personal investing results — including mistakes, not just wins
Since being licensed in 2023, I no longer share opinions on individual stocks or unit trust funds — you’ll find planning principles here, not stock tips or product pitches.
Outside of financial planning, here’s a bit more about me:
- I like reading and writing. I believe that knowledge is power and reading can broaden my horizons and widen my perspective. Being able to assimilate different points of view, we might be able to discover new ways of doing things. As you may already know, this blog is how I show my passion for writing. Other than this blog, I also have another blog (www.2bookspermonth.com) for me to record the books that I have read. Although artificial intelligence is useful nowadays, do not let it supersede your own thinking.
- I’m a father of two, which is honestly what made retirement planning and educational planning personal for me.
- I track every ringgit I spend in an app and a spreadsheet, which my wife finds either impressive or exhausting depending on the day.
If you’re a pharmacist (or healthcare professional) who wants a clearer plan for your money — let’s talk.
I offer a no-obligation first conversation to see if we’re a good fit. No pressure, no hard sell — just a chance to see if I can actually help you. Just leave your details by clicking the button below and I will reach out to you.
Not ready to talk yet? Join my email list instead — I’ll send you useful content on Malaysian personal finance, no spam.
(Updated: 26 July 2026)
