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Strategic wealth architecture, risk management, and legacy planning for Malaysian business owners and professionals

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January 10, 2025

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'Monk Mode' and Productivity

January 28, 2023

A recent sharing by Josh Wood, the 32-year-old CEO and founder of the tech hospitality company Bloc , who's based in London, about his experience trying the productivity hack known as "monk mode." The following has been edited for length, clarity and personal experience. Credits to Robin Madell for the article. I recently had a big deadline coming up for a new feature within my company, Bloc, and I felt like I was behind and constantly distracted. As the CEO of a startup, you play many different roles, so focus and productivity is incredibly important. (My personal experience: This is so true because as a small business owner, we are like A-Z Man and time becomes a scarced commodity!) I found out about the productivity hack known as " monk mode " on TikTok in July 2022, from a video by Iman Gadzhi , who's a young, successful entrepreneur, so I decided to give it a try. As a business owner myself, my TikTok feed is filled with business-related posts, sel...

SHOULD WE KEEP OUR EMERGENCY FUNDS IN TOUCH & GO e-WALLET?

September 02, 2023

Touch & Go e-Wallet currently pays an interest of approximately 3.49% (at the time of writing) paid daily if you deposit your money through the GO+. The underlying fund for GO+ is Principal e-Cash, a Shariah-compliant Money Market Fund. Conceptually, it sounds great depositing our emergency funds in Touch & Go e-Wallet. It seems better than depositing our money into Fixed Deposit because it would provide better liquidity at a rate which is better than the 1-month Fixed Deposit. The 12-month Fixed Deposit may be on par with regards to the interest rate but loss hands down in terms of liquidity. Any withdrawal before the tenure ends, could be forfeited. However, since Touch & Go e-Wallet is an on-the-go wallet, administratively or operationally, does it make sense to stash our emergency funds there? How discipline are we not to accidentally spend the emergency fund? This has nothing to do with the quantitative side of finance but the behaviorial side of finance (the one which...

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Lawrence Tan: I’m Lawrence Tan, a Private Wealth Architect who designs integrated wealth ecosystems that give executives and families clarity, control, and continuity. My mission is to build future‑proof architectures that protect income, grow assets, and preserve legacy across generations. I help clients move from fragmented financial decisions to a complete, unified system by solving structural problems such as blind spots, hidden risks, weak preservation strategies, and the absence of succession or continuity planning. My work is architecture‑driven, not product‑driven, built on five pillars: Wealth Creation, Wealth Preservation, Risk Architecture, Legacy & Succession, and Ecosystem Design — all working together to create long‑term stability and generational continuity. I serve C‑suite leaders, business owners, professionals, and high‑net‑worth families who value structure, clarity, and long‑term planning, and this space is where I share strategic insights, frameworks, and models through my Private Wealth Briefing on Substack.

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Book a Private Wealth Architecture Session Get a structured, high‑trust review of your wealth protection, accumulation, estate, and continuity planning. WhatsApp: +60‑19-3190313 Email: lawtan@realdreamsadvisory.site For Malaysian business owners, professionals, and families who want clarity, structure, and long‑term financial stability.