Clarity.
Confidence.
A way forward.

Ka Hoe was able to understand our financial situation not just from the numbers but also from our personal situation. The advice he provided helped us overcome some personal blind spots that in turn helped us address some of the financial challenges we were facing as well.

"Since engaging Coach Ka Hoe in 2023, my net worth has grown 5x—from 400k to 2 Million! ​Ka Hoe my 'Rich Dad' mentor. His sharp, straight to the point feedback helped me address crucial financial blind spots, one particular example in my asset allocation where shifting into USD stocks drove 60% of my financial growth. He constantly sees and encourages potential in me that I might not even see in myself. If you want a mentor who leads to actual financial breakthroughs, Ka Hoe is the coach you need!"

My coach was Ka Hoe. He listens before he diagnoses. He helped me to ask the right questions. He is very empathetic and has a superpower ability to find the real problem in order to unlock a complicated situation.

I have experienced the PRIME Coaching by Ka Hoe. It's a life changing program that brought me the CLARITY of my life, helped me to see clearly my problems and directions. There are many courses which can taught us a lot of knowledges, but in the era of information overload, the key to solve a problem is not really not only the HOW, it's about realizing what's the ROOT CAUSE of the problem. Thanks for the coaching program who granted me the POWER OF CLARITY.

Ka Hoe has been a great mentor and coach in enlightening my financial literacy and redesign my financial freedom pathway.

I had the opportunity to work with Ka Hoe on my financial planning. What I appreciated most was his structured approach. He helped me visualize my overall financial picture, then followed up with clear, detailed action steps. He was also responsive whenever I had questions. Beyond the service itself, I learned a lot along the way. Working with him helped me build a healthier mindset toward money, and that has shaped how I think about other areas of life too.

Ka Hoe prime coaching is definitely a very good programme , open mind and clear our seeds or limiting belief slowly through coaching programme. More understand myself and breakthrough ourself. Ka Hoe 10k challenge definitely is a very good programme for people who have debts problem, through financial compass can identify the root cause of debts and deficits and definitively can solve the debts problems. Everyone must learn this and understand how important cash flow is which is never teach in school

Working with Ka Hoe has given me the clarity and confidence in my financial planning. He provides structured reviews, practical action plans and thoughtful guidance on cash flow, investment and retirement. A trusted partner in achieving my long term goals.

Ka Hoe's coaching and his financial learning programme and tools, taught me invaluable financial literacy and what are my mindset, beliefs and habits that are unhelpful to my journey to achieving financial freedom. I would recommend Ka Hoe and Personal Finance Academy to anyone who truly desire financial freedom. It is a system of thinking, tools and learning that is genuinely substantive, insightful, robust. Most importantly, it works if you follow it closely.

Thank you for the 1 to 1 consultation, Ka Hoe. I appreciate you highlighting my strengths and blind spots—it’s given me a much clearer roadmap for my next steps.

Ka Hoe did a fantastic job of looking at my current financial situation and recommended me on the right path.

Ka Hoe is good mentor that can help me to point out my blind spot on my financial planning and help me to sort out those issues for me to work on it

Ka Hoe has good patience with me during financial review and has good ability to point out my blindspot

When you have a compass, but you don't know how to use it well - it wont bring the best result to you. That's what the 1 on 1 session is for. With help and guidance from Ka Hoe, the financial compass that i did become more clearer. Not only that, Ka Hoe also guided me on action that can be taken to improve my financial wellbeing.

Would like to thanks to ka hoe for guiding me throughout my financial management. Happy to see my result through the coaching journey, I managed to improved my networth from 400k to 1.2mil, managed to increase my liquid asset to around 400k in 2 years through cheat sheet and advice from ka hoe in my stocks investment. Blessed to have an experienced, caring, listening and supportive coach like ka hoe.

Ka Hoe helped me to shift my mindset about money. Now I have turned into someone who invest in LVMH instead of buying LV.

Ka Hoe went through my financial compass and gave feedback how to reach my financial goal and actions I can take. Advise was not only financial but holistic.

When I started working from home during MCO, we were able to save up quite a bit, but we just didn't know where to save it or invest it. Everything seems too complex and we were dependant on what the experts tell us (we didn't realise no matter how honest they are, there is always sales bias). I initially spoke to Ka Hoe to see if he could help me with my investments, but the conversation went on to the points where solving the issue at the core would be best, ie: right education/knowledge, right tools, self discovery, adjusting to sensible and sustainable mindset, understanding our life goals, etc. and that journey has been very humbling and fulfilling, slowly allowing us to take control of our own finances/investments.

Ka Hoe is a professional financial advisor which truly helps in customising my way to get to my financial goal. He guide me to understands what my current situation is and advise on how to improve on it in a professional way. He also is a great motivator which encourage me to keep working on the target.

When I first started, I didn’t realise that a personal financial journey can be this emotional and entrenched in ideas from our upbringing. Ka Hoe has been my Prime Coach for the past 4 months and he’s helped me to overcome many mindset barriers. As with all his programmes, PRIME coaching is very systematic and actionable. I highly recommend it!

Felt honored and glad to have a great mentor ( ka hoe) to guide me along my journey in achieving my financial milestone be it in property investment/stock investment. The great support not only in financial consultation, ka hoe also shows his dedication and supportive role towards my growing career/ entrepreneurship, relationship and personal growth through an objective measurement known as financial compass. He also pointed out my blindpsot, strength and weakness during the journey of my entrepreneurship. I'm glad to have met ka hoe as my rich dad. We become so close that he is also part of my consultant in my marriage last year. I definitely wont be able to go that far without his guidance and mentorship. I'm truly blessed to have him in my journey. With much love, my respected mentor-ka hoe.

I wouldn't be able to imagine my life without meeting Ka Hoe through KCLau's emails blasts. With the assistance from Ka Hoe, I managed to resolve my financial problems and turnaround my situation and improved myself (not only financially, but physically, mentally and others) over time.

Thank you Ka Hoe for up level my awareness on financial knowledge and myself. Letting me know what I don't know and letting me know what I think I "have known". I like his style of coaching by humble sharing and advising instead of giving instructions or rushing to complete the module. I am happy to have Ka Hoe as my coach along my journey to successful life.

Thank you Ka Hoe for the summary and action plans put forward. Really appreciate the help. Today's 1 on 1 is really an eye opener , especially after looking at my financial compass. This is like getting my "Blood Test" results. Next step to take remedies.

Ka Hoe knows his stuff, trust him and the process, you will go a long way.

During the financial compass, Ka Hoe shared 3 immediate steps to manage or improve my cashflow. This advice became the catalyst for me to learn more about financial literacy both for myself and kids. I have also learn the basic yet simple step to begin is through identification that he is

While I've been good on monthly budgeting, I learned from Ka Hoe how to better manage the three areas of my financials. And Seon helped me to optimise my insurance premiums and identify ways to manage them better.

Ka Hoe has provided guidance on how to determine my insurance needs