Defining financial freedom

Financial freedom is a financial status where your wealth is enough to meet all your financial goals, including retirement lifestyle funding which entails having your wealth last more than age 85 and beyond.

Whether you want to buy your first home, save for your children’s tertiary education, retire in 20 years with RM10,000 monthly income, or achieve any financial goal, you can use iWealth to build your personalised financial freedom plan (In Whitman, we call it roadmap to financial freedom) yourself for FREE.

With a personalised roadmap to financial freedom, you can find out if your wealth is growing fast enough to achieve all financial goals in life.

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Whitman Independent Advisors Sdn Bhd is the leader in Holistic Wealth Management in Malaysia. Established since the year 2000, Whitman has been advising more than RM 2 billion worth of clients’ wealth. Our advice is benchmarked against the best practices developed from the experience of serving thousands of middle class advisory clients.

If you would like to get professional assistance for your roadmap to financial freedom, we offer iWealth+, a paid version of iWealth.

For more information about Whitman, please visit our website at

Frequently Asked Questions

1. What is iWealth?

iWealth is a free tool that helps you to find out if your wealth is growing fast enough to achieve your financial freedom.This tool will help you to generate the Roadmap to Financial Freedom chart,that shows you where you currently stand in your financial position, and also will give some advice on how to improve and reach financial freedom. This tool is accessible via the mobile app, available for iOS and Android.

2. Who is suitable to use iWealth?

Anyone who is serious about managing their finances. Ideally, it is for those that have started working, and have some savings.

3. Is iWealth really free to use?

Yes, iWealth is free to use by everyone. Just download the app, and complete the simple registration in the app itself. No credit card payment will be taken.

4. Is my data secure?

At iWealth, it is our top priority to keep your personal data private and secure. Our systems are designed with multi layer security protections. Everything you enter into iWealth is transmitted with the same level of encryption used by banks and the military. Your encrypted data safely kept on servers in a heavily guarded data-center. Our internal processes ensures that access to your data is restricted to only our employees who need to see it. Further, our security experts are constantly on the lookout for potential flaws to ensure that there are no vulnerabilities and that no unauthorized access has taken place.


  • SSL/TLS encryption of network communications between all of our servers
  • Networking provided by an ISO 27001 certified cloud computing infrastructure
  • Multi-Factor Authentication (MFA) mandated for our internal tools
  • Constant software updates throughout our office and system infrastructure, to meet the latest security standard and requirements
  • Compliant to Personal Data Protection Act, this means that your account and information is protected from 3rd parties

5. Troubleshooting on iWealth Registration

In case you don’t receive the verification email after completing the registration process in the iWealth mobile app, you may try the following suggestions: