Desmond Chong is a financial planning expert and Founder of Next Generation Consultancy, with experience as Agency Manager at Kenanga Investors Berhad (KIB). A Certified Financial Planner (CFP CERT TM) and licensed Private Retirement Scheme (PRS) Consultant, he specialises in financial planning, investment strategy, cash flow management, retirement readiness, insurance (Takaful & conventional), child education funding, and estate & trust solutions. Passionate about empowering individuals and families, Desmond combines expertise with practical insights to help clients build strong, sustainable financial foundations while elevating financial literacy across Malaysia.