Grow Your Wealth
Build a plan that compounds — structured investing, EPF and PRS strategy, retirement and education funding.
- Investment planning
- EPF investment
- PRS
- Retirement
- Education fund
Grow Wealth. Protect What Matters. Preserve Your Legacy.
Your trusted partner for total financial solutions
Helping individuals, families and business owners grow wealth, protect what matters and preserve their legacy — with over 18 years of financial advisory experience in Malaysia.
Licensed consultant · Principal · Sun Life Malaysia · as-Salihin
- 18+
- Years of advisory experience
- 1,000+
- Client conversations
- 3
- Pillars: wealth, protection, legacy
- 6
- Cities in our network
Working alongside trusted institutions
Principal Asset Management
Investment · Unit trust · EPF · PRS
Sun Life Malaysia
Medical · Life · Family protection
as-Salihin Trustee Berhad
Wasiat · Hibah · Trust services
MSV Extraordinaire Group
Independent advisory practice
Financial health check
See where you stand before you decide anything
Five minutes of honest questions across wealth, protection and legacy. You get an indicative score, the gaps worth fixing first, and no obligation to buy a thing.
Check My Financial ScoreTakes about 5 minutes
- 1WealthSavings rate, investments, retirement trajectory
- 2ProtectionMedical, life and income cover versus commitments
- 3LegacyWasiat, nomination and estate readiness
Indicative and educational only. It is not a formal financial recommendation.
About Suraya
Eighteen years of sitting on the same side of the table as you
Suraya Hj. Morshidi is the founder of MSV Extraordinaire Group, an advisory practice based in Miri, Sarawak, serving clients across Malaysia. Her work spans wealth accumulation, protection planning, retirement readiness, education funding and Islamic estate planning.
Her approach is deliberately unhurried: understand the family first, the numbers second, and the products last. Clients stay for the annual reviews, the honest answers, and the fact that nothing is recommended before it is explained.
Arrange an introductionGrow · Protect · Sustain
One framework, three commitments
Protect What Matters
Make sure one hospital bill or one bad year never undoes years of progress for your family.
- Medical protection
- Life takaful
- Family cover
- Income protection
Preserve Your Legacy
Islamic and conventional estate planning so your assets reach the people you intend, without dispute.
- Wasiat
- Hibah
- Trust planning
- Estate distribution
Services
What we can work on together
Investment & Unit Trust Planning
Goal-based portfolios reviewed with you, not sold to you.
- Risk-profiled allocation
- EPF Member Investment Scheme
- Annual review
Retirement Readiness Planning
Understand the number you need and the gap you still have.
- Income replacement modelling
- PRS strategy
- Drawdown planning
Medical & Life Protection
Cover sized to your real commitments and dependants.
- Medical card review
- Critical illness
- Debt & income cover
Education Fund Planning
A funding path for local or overseas study, started early.
- Cost projection
- Monthly savings target
- Protection top-up
Islamic Estate Planning
Wasiat, hibah and trust structures explained plainly.
- Faraid-aware planning
- Guardianship
- Business succession
Business Owner Advisory
Protect the business, the partners and the family behind it.
- Key person cover
- Buy-sell funding
- Owner retirement
Calculators
Run the numbers yourself first
Quick, private estimates you can use before any conversation. Results are indicative and not a guarantee of returns.
Recognition
Awards and milestones
2024
Million Dollar Agency Award
Agency performance recognition
2022
Estate Planning Specialist
as-Salihin certified consultant
2019
Wealth Advisory Excellence
Regional advisory achievement
2008
Advisory practice founded
Start of 18+ years of service
Nationwide network
Based in Miri, working across Malaysia
Consultations happen in person at the Miri office or online, wherever you are. Our partner network supports clients in both Peninsular Malaysia and Borneo.
- Kuala Lumpur
- Johor Bahru
- Kuching
- Bintulu
- Miri
- Kota Kinabalu
Client stories
In their words
Suraya explained my EPF options in a way I finally understood. No pressure, just clear choices and a plan I could afford.
We reviewed my company cover and my family's protection in one sitting. The follow-up documentation was thorough.
The wasiat and hibah discussion was handled respectfully. We left knowing exactly what our children would inherit.
Shared with client permission. Individual experiences vary and no financial outcome is guaranteed.
Insights
Financial articles
Wasiat or hibah: which one fits your family?
A plain-language comparison of the two most common Islamic estate planning tools.
6 min read
How much EPF is actually enough in 2026?
Working through a realistic retirement income target for Malaysian households.
8 min read
Reading your medical card before you need it
Annual limits, co-insurance and the clauses most people discover too late.
5 min read
FAQ
Questions people ask first
Request a consultation
Tell us what you'd like to plan for
Share a few details and Suraya Hj. Morshidi will reach out personally to arrange your free, no-obligation session — online or at the Miri office.
Your details are kept private and used only to contact you about your enquiry. No guaranteed returns are implied.
Start the conversation
Book a free consultation with Suraya Hj. Morshidi
Online or at the Miri office, in Malay, English or Mandarin. One conversation, a clear picture, and no pressure to commit.