What we do

MQ believes in the importance of wealth management philosophies in life, that is to Create, Accumulation, Preserve, Protect and distribution of wealth. Only through this process, our wealth can be well managed and passed on to our successor with peace of mind for now and generations. You will find this one stop money quotient hub here in MQ with our areas of services to assist you.

Personal Financial Planning

Insurance Planning

Risk management and insurance play a crucial role in your comprehensive financial plan. Because there are numerous risks that can wreak havoc with even the best laid plans; our job is to help you identify these risks and discuss ways to mitigate the risks.



Retirement Planning

Retirement planning is the planning one does to be prepared for life after paid work ends, not just financially but in all aspects of life.

The process of determining retirement income goals and the actions and decisions necessary to achieve those goals. Retirement planning includes identifying sources of income, estimating expenses, implementing a savings program and managing assets. Future cash flows are estimated to determine if the retirement income goal will be achieved.

Estate Planning

The purpose of probate is to establish clear title or ownership to your assets after your death. Before your estate can go to your children the probate court has to determine and settle your debts, establish clear title to everything you own and then distribute the estate according to your will or to the “intestate succession” statutes in local laws.

Thus, there is importance to have all asset well planned on who and how it is distributed and to avoid probate through the right and efficient mechanism.



Business Financial Planning

Trade Credit Insurance
Trade Credit insurance covers your receivables due within 12 months so that your cash flow is safeguarded.

Our information tracks the financial health of your customers and we update you so that you can trade with confidence.

If your customers become insolvent or fall into protracted default, you will be indemnified for the cost of goods and services you have delivered.

Guarantor Indemnity Plan
This tool is ideal for businessmen who have entered into personal guarantee when obtaining loans from financial institutions. A Guarantor Indemnity Planning is designed to ensure that the company will still be running in the event of the death of the guarantor, which is most likely the business owner most of the time. This compensation will be utilized to offset the existing outstanding banking facilities, which in turn will not jeopardize the operation of the company.
Keyman Compensation Plan
It is a basic Business Financial Planning tool for company’s key-person, the need to compensate an organization key-person and family, against the loss/diagnosis of dread diseases of key-person; wealth protection of demised beloved family and living partner/existing business value. In most event, key-person contribute the life time towards the development of the business entity, from the business infant stage towards the established business empire, with this planning, during the any mishap situation of the key-person, the compensation shall be payable to the key-person or the beneficiary(ies) for the key-person for their future living.
Business Succession Plan
This is a need solution for Partnership companies serving the purpose to void issues in the event of the loss of life or diagnosis of dread diseases of the share holder(s).  Business Value Protection Planning is designed as an Exit Plan for shareholder(s) upon those mishap to determine the smooth Legal Procedures for,


  1. Transfer of the business interest;
  2. Agreement of business value;
  3. Funding for buy-out;
  4. Events for a business owner to exit triggering the buy-out;
  5. Distribution of sales proceeds.  

Professional Value Plan
This plan is mainly catered for Professional with high value justified with his/her mind & time. The professional stream of income needed to be protected against the loss of time & mind (ability to perform the professionalism).  Professional like doctors, who is respected for their reputed professionalism and commitments to society; but the value gone at the moment they lost the ability to perform the professional or demise. Thus, this is tailored for the need of professional income replacement.
Corporate Employee Benefit Scheme
Employee benefit scheme or Corporate Insurance’ is an insurance that covers a group of people, usually who are the members of societies, employees of a common employer, or professionals in a common group. Group coverage can help reduce the problem of adverse selection by creating a pool of people eligible to purchase insurance who belongs to the group for reasons other than for the purposes of obtaining insurance. In other words, people belong to the group not because they possess some high-risk factor which makes them more apt to purchase insurance (thus increasing adverse selection); instead they are in the group for reasons unrelated to insurance, such as all working for a particular employer. The products include and not limited to :


  •  Group Term Life
  •  Group Hospitalization and Surgical Plan
  •  Group Personal Accidents
  •  Special Corporate GMBIS

Business Insurance
It is a basic tool for corporate risk transfer with general insurance tools and group insurance covering the risk of company asset, i.e. company building, machine or employees. When running business, unforeseen events are unavoidable. The best you can do is minimizing your losses when mishaps occur. We have designed a wide range of commercial insurance products to cater to your business needs.
Property Insurance

For buildings, stock and contents.

Marine Insurance

Provides customized coverage that importers and exporters need.

Fire Insurance

Safeguard your buildings and protect the contents of your premises.

Burglary Insurance

Covers you against loss or damage to the properties resulting from a forced entry or attempted entry.

Liability Insurance

A liability policy covers the legal liability of a person or corporation to pay compensation to others.

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