BEGIN:VCARD
VERSION:3.0
FN;CHARSET=UTF-8:Joshua Teoh Sheak Yao 张津瑞
N;CHARSET=UTF-8:张津瑞;Joshua Teoh Sheak Yao;;;
EMAIL;CHARSET=UTF-8;type=HOME,INTERNET:joshuateoh485@yahoo.com
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TITLE;CHARSET=UTF-8:Senior Financial Advisor
ORG;CHARSET=UTF-8:Yes Financial Berhad
NOTE;CHARSET=UTF-8:eCMSRL/C4780/2025\n\nSenior Licensed Financial Adviser that holds 8 years of financial industry experience crafting impactful and compliant strategies for HNW Individual & Corporation. Recognized by Bank Negara Malaysia & Securities Commission Malaysia\n\nProfessional Licensed Holder :\n\n1. Financial Adviser Representative (FAR) by Bank Negara Malaysia\n2. Islamic Financial Adviser(IFAR) by Bank Negara Malaysia. \n3. Capital Market Services Representative License (CMSRL) by Securities Commission Malaysia\n4. Shariah Registered Financial Planner(ShRFP) by Malaysian Financial Planning  Council(MFPC)\n5. Associate Registered Financial Planner(ARFP) by Malaysian Financial Planning Council(MFPC)\n6. Anti Money Laundering (AML) by ITA Asia (Offshore/Labuan Financial Institution)\n7. Seasonal University Sharing Speaker ( AML/CFT/CPF )\n\nAcademic Background :\n\nPHD In Business & Management ( Finance\,Banking & Insurance )\nMaster in Business Administration (MBA)\nBachelor in Finance & Management \n
REV:2026-09-25T18:28:19.873Z
TEL;TYPE=Business Contact:60124853707
item0.URL:https://www.linkedin.com/in/sheak-yao-teoh-22194b133/
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item1.URL:https://chatgpt.com/g/g-68636c3262308191a1b608d51f01af93-know-your-advsior
item1.X-ABLabel:AI Assistant
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item2.X-ABLabel:WhatsApp 
item3.URL:https://joshuateohsheakyao.planyourfuture.today/
item3.X-ABLabel:Website
item4.URL:https://instagram.com/joshuateoh485?igshid=OGQ5ZDc2ODk2ZA==
item4.X-ABLabel:Instagram
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item6.X-ABLabel:Z Connect Profile
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