Certified Financial Planner (CFP®)

Your Money Works Hard. Does It Have a Plan?

Nawasena Advisory helps professionals and young families build a measurable financial plan — from an emergency fund through to retirement — without jargon and without a product pitch hidden inside the advice.

Book a Free 30-Minute Consultation Try the Budget Calculator
640+clients advised
$3.1Min assets under planning
9 yearsin practice
4.9/5client satisfaction rating
A Nawasena Advisory planning consultation
Fee-Based & IndependentWe take no product commission
A Measurable PlanFinancial goals turned into numbers and dates
Certified Financial Planner (CFP®) Member of the financial planners' association Client data is kept confidential Consultations online or in person
Recognise the Signs

Your Salary Keeps Rising. Why Does Nothing Feel Different?

If any of these sound familiar you are not alone — and every one of them is fixable with the right plan.

Payday Just Passes Through

A good income, and yet by the end of the month there is barely anything left. Where it went is unclear because there was never a budget agreed with yourself.

No Emergency Fund

One unexpected event — redundancy, illness, a broken laptop — and out comes the credit card. Ideally there would be a cushion of three to six months of spending.

Investing by Imitation

Buying a share because it is trending, crypto out of fear of missing out, then panicking when it turns red. The portfolio was never tied to a goal: what for, when it is needed, and how much risk it can carry.

Repayments Eating the Salary

Mortgage, car, buy-now-pay-later, credit cards — the total has quietly passed 40% of income. The room to save and to live gets narrower every month.

Insurance in Name Only

Years of premiums paid without being sure what the policy actually covers. Or the reverse: the household's earner has no life cover at all.

Retirement Is Still "Later"

Relying on a state scheme and on your children is not a strategy. The longer it waits the heavier it gets: starting at 30 rather than 40 can mean a six-figure difference by retirement.

Our Services

The Four Pillars We Build With You

Every plan is written for one person — not from a template — around your cash flow, your risk profile and your priorities.

01

Emergency Fund & Cash Flow

The foundation, before any talk of investing.

  • An audit of monthly income and spending
  • An emergency fund target of 3–12 months, suited to you
  • A strategy for clearing consumer debt
02

Investment Planning

A portfolio built on goals, not on trends.

  • Mapping the goals: a house deposit, education, and so on
  • Asset allocation matched to risk profile and horizon
  • Regular review and rebalancing
03

Insurance & Protection Review

Enough cover, without wasting premium.

  • Calculating how much life cover you actually need
  • Taking apart existing policies: benefit against cost
  • Independent recommendations, no commission
04

Retirement Planning

A comfortable retirement is calculated, not hoped for.

  • Projecting what retirement will cost, inflation included
  • Making the most of pension schemes and your own investing
  • Modelling the income your retirement will produce
Try It Now, Free

The 50/30/20 Budget Calculator

Enter your monthly income and your savings target, and see a recommended allocation under the 50/30/20 rule in seconds.

$

Take-home pay, after tax and deductions.

$

For example: an emergency fund, a house deposit, or business capital.

Your recommended monthly allocation

50% — Essentials$0
Rent or mortgage, food, transport, bills, insurance premiums.
30% — Wants$0
Entertainment, eating out, hobbies, subscriptions, holidays — without guilt.
20% — Saving & Investing$0
Emergency fund first, then investing towards your goals. Pay yourself before anyone else.
Enter your income on the left, then press Calculate My Allocation.

*An educational model assuming you set aside 20% every month; it does not account for investment returns or inflation. For a precise plan, bring it to a consultation.

How We Work

From First Meeting to a Plan in Motion: Four Clear Steps

No product pressure. The process is transparent, the schedule is fixed, and you always know what comes next.

1

A Free First Consultation

Thirty minutes by video or in person. We listen to your situation and your goals, then explain whether — and how — we can help.

2

A Financial Check-Up

We go through cash flow, assets, debts, cover and financial habits in full — the result is an honest picture of where you stand.

3

Building the Plan

Within ten working days you receive a written plan document: target figures, priorities, a timeline, and the steps to take month by month.

4

Support & Review

We stay with the execution: a quarterly check-in, and adjustments when life changes — a raise, a marriage, a child, a new job.

Sagara Nawasena, CFP® — Principal Advisor at Nawasena Advisory
Sagara Nawasena, CFP®Principal Advisor & Founder
Credentials & Certification

Advice You Can Defend to Your Family

We are independent, fee-based planners: we earn from the planning work, not from selling products. Which means our only interest is a plan that genuinely fits you.

Certified Financial Planner (CFP®)The highest international standard in financial planning, with a code of ethics and a fiduciary duty.
Registered Financial Planner (RFP®)An applied planning qualification focused on local market practice.
Investment Manager Representative — regulator licensedAn official licence from the financial services authority for investment management.
Active member of the national financial planners' associationBound by a professional code of ethics, with mandatory continuing education every year.
What Clients Say

They Sleep Better Now. Your Turn.

Real stories from clients who started with the same free 30-minute session.

"My $1,200 a month used to vanish without trace. Six months in, I have four months of emergency fund saved and every instalment plan cleared. It feels like a pay rise — all we did was tidy it up."
Aditya Pramudya
Aditya PramudyaProduct manager, 31
"We were newly married and arguing about money constantly. Sagara helped us agree on goals: a house deposit in three years and an education fund. Now every big decision just gets checked against the plan."
Sarah & Bimo Herlambang
Sarah & Bimo HerlambangA young couple
"At 45 I realised my retirement savings were zero. The review found two policies wasting premium. Restructured and redirected, retiring at 58 is now a plausible number rather than a wish."
Dr Ratna Widyastuti
Dr Ratna WidyastutiDentist, 45
Common Questions

Still Unsure? Reasonable. Here Are the Answers.

Genuinely free, with no obligation to continue. The session is for getting to know each other: you describe your situation and your goals, we explain how we work and what it costs if you go ahead. If it is not a fit, you still leave with two or three things you can act on.

A comprehensive plan starts at $225 as a one-off, including the plan document and two review sessions. Ongoing annual support starts at $48 a month. Fees are always agreed in writing up front — no hidden costs and no product commission.

No. We are independent fee-based planners: everything we earn comes from the planning work, not from commission. We recommend the type of instrument and the criteria; buying it is entirely in your hands, on whichever platform you choose.

Earlier is better — mistakes made in your twenties and thirties cost the most because of compounding. Most of our clients started on $450–1,000 a month. What matters is not the size but the direction.

No. About 80% of our clients work with us entirely by video, including those living abroad. In-person meetings are available locally by appointment.

Yes. All client data is covered by a written confidentiality agreement, stored encrypted, and never shared with any third party. We also never ask for account access, a PIN or a password.

Disclaimer: Everything on this page is educational and is not an invitation to buy or sell any particular financial product. Outcomes differ between clients according to circumstance and discipline; past performance does not guarantee future results. Nawasena Advisory does not manage, accept custody of, or hold client funds in any form. Every financial decision remains yours.
First Step

Book a Free 30-Minute Consultation

Fill in the form and we contact you within one working day to arrange a session by video or in person. No fee, no obligation to continue.

  • A quick picture of your current financial health
  • Two or three initial recommendations you can act on
  • A transparent explanation of the process and the fees
  • Completely confidential — covered by a written agreement

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Book Your Session

Free, 30 minutes • online or in person • reply within one working day

Your details are used only to schedule the session and are never shared.