'Ammar Muhammad is an Islamic Financial Adviser’s Representative (IFAR) at TSI Wealth Planners Sdn. Bhd., combining over a decade of experience in engineering, capital markets, and structured financial planning.

Trained in Mechanical Engineering, Ammar spent 13 years in R&D roles with multinational companies across Malaysia, the Netherlands, and South Korea. His technical background sharpened his strengths in analytical thinking, structured problem-solving, and strategic communication—skills he now applies to help clients make informed, values-based financial decisions.

His journey into finance began during his engineering career, driven by a strong desire for financial independence while raising a young family in the Netherlands. That season of life deepened his awareness of long-term financial responsibility. He began trading stocks, later refining his approach through the Wyckoff methodology. As friends and family sought his guidance, Ammar became a Unit Trust Consultant (UTC) to support them more formally. This passion eventually led to a full transition into financial planning, where he obtained licenses as both a Financial Planner Representative (FPR) under the Securities Commission Malaysia and an Islamic Financial Adviser’s Representative (IFAR) with approval from Bank Negara Malaysia.

Today, Ammar focuses on holistic Islamic financial planning—covering wealth creation, risk protection, asset accumulation, and legacy distribution. His advisory areas include takaful planning, cash flow management, child education funds, retirement strategies, and estate planning (including wasiat, hibah and faraid), all guided by the CREATE–PROTECT–ACCUMULATE–ZAKAT & DISTRIBUTE framework he champions.

He is especially passionate about supporting young professionals and families navigating the financial demands of modern life. Ammar actively shares practical insights through digital platforms and one-on-one consultations. He has also delivered talks at local universities, international student programs, and public sector agencies such as JPA and MARA—blending technical expertise with financial literacy to empower the next generation.

Grounded in ethical, Shariah-compliant principles, Ammar continues to build his presence as a trusted voice in Islamic family finance and purposeful wealth planning.