FC Wealth Advisory
Advises clients, structures solutions and coordinates the planning process.
Estate Planning for Life, Not Only After It
A living trust supports the people you love while you are still here to see it work.
Your Trust Advisory Partner in Malaysia
FC Wealth Advisory Sdn Bhd is a Malaysian trust advisory firm and the strategic marketing and sales partner of ZICO Trust (M) Berhad, a licensed trust company registered under the Trust Companies Act 1949 and regulated by the Companies Commission of Malaysia.
Founded in 2022, we design customised trust structures for individuals, families and business owners, covering living trusts, bespoke family trusts, property trusts and insurance trusts.
ZICO Trust (M) Berhad
Holds and administers trust assets as the licensed trustee.
Estate Planning Beyond the Will
A Will takes effect only after death, and only once the estate has cleared administration. In the meantime, bank accounts can remain frozen for months and families are left without access to funds.
A trust removes that delay. Assets held in trust are distributed according to the Trust Deed, independent of estate administration, so your family receives timely support for daily expenses, education and other commitments.
Four Ways to Protect What Matters
Every family situation is different, which is why our consultants offer four core trust solutions instead of one standard product.
View All Trust Solutions
Inter Vivos Trust
A living trust in three tiers, established during your lifetime with a licensed trustee.
Discuss Inter Vivos Trust
Family Trust
A bespoke private trust designed around your wishes and your family structure.
Discuss a Family Trust
Property Trust
A structure that keeps real estate protected and managed for the next generation.
Discuss a Property Trust
Insurance Trust
An arrangement that turns policy proceeds into structured, lasting support.
Discuss an Insurance TrustHow to Get Started
Our consultants turn the first conversation into a clear planning path.
Listen to Your Goals
We listen to what you want to protect and the outcomes that matter to your family.
Explain the Options
We explain the available trust structures in plain language and answer your questions.
Propose a Structure
We propose a reliable structure that fits your goals. You decide the pace from there.
Why Families Choose FCW
A Licensed Trustee Behind Every Trust
We work as the strategic marketing and sales partner of ZICO Trust (M) Berhad, so every trust is held by a regulated trust company, not by an adviser.
Solutions, Not Products
Our consultants start with your goals and design the structure around them, never the other way around. We will say so if a simpler tool serves you better.
Consultants Across the Country
With offices in Selangor, Johor and Penang, a professional Trust Consultant is never far from your family. We bring the same tailored advice to every corner of Malaysia through video consultations.
Ethical and Compliance-Driven
We follow a compliance-driven culture, ensuring your plan stands up to scrutiny for decades. Integrity is the product; everything else is packaging.
Legacy Lessons Worth Learning
Some of the world's most prominent estates unravelled without a trust; others endured for generations because one person planned ahead. We pair these publicly reported cases with everyday Malaysian scenarios, each with a practical lesson for your own estate planning.
Read Our Legacy Stories
Grow with Us
Beyond serving families, the team develops professional Trust Consultants through continuous training and reliable operational support.
If you are looking for a career with purpose, the team would like to meet you.
Become a Trust ConsultantFrequently Asked Questions
Direct answers to common questions about trust and estate planning.
What is a trust?
A trust is a legal arrangement where you place assets with a trustee to hold and manage for the people you choose. The Trust Deed records your instructions, and the trustee is bound to follow them. It is one of the most flexible and reliable tools in estate planning.
Is estate planning only for the wealthy?
No, and this is the most common misconception we hear from Malaysian families who assume a trust sits far beyond their reach. Tailored trust structures start from RM100,000, and many clients begin with a single policy or property. Starting estate planning early matters more than starting big.
Will a trust replace my Will?
A trust complements your Will instead of replacing it. Your Will covers the estate as a whole, while a trust gives selected assets a faster and more structured path to your beneficiaries. Many families hold both, together with insurance and EPF nominations.
How do I get started?
Speak with one of our Trust Consultants for a consultation at no charge. We listen to your goals, explain the options in plain language and propose a reliable structure that fits. You decide the pace from there.
Start Your Legacy Plan
We believe estate planning is an act of care for the people who matter most, and it begins with one conversation.