Islamic Finance Retainer Plan
Ongoing expert guidance for your Islamic finance needs. Monthly support from a dedicated advisor. Cancel anytime.
Expert Islamic Finance Advice When You Need It
Life is full of financial questions. Is this investment halal? How do I calculate zakat on my new business? Can I buy a house with Islamic financing? Is my pension compliant? What does my marriage contract really say? These questions should not require a full consulting engagement every single time.
Our Basic Retainer Plan gives you monthly access to expert Islamic finance guidance without the commitment or cost of a full consulting project. You get a dedicated advisor who learns your situation over time. You can ask questions via email and receive thoughtful answers within 48 business hours. You get one scheduled 30 minute call each month to discuss your financial situation in depth.
This plan is perfect for individuals and small businesses who want ongoing support for their Islamic finance questions. Maybe you are an investor who needs regular halal screening of your portfolio. Maybe you are a business owner who needs occasional guidance on Shariah compliance. Maybe you are a professional who wants to ensure your finances align with your faith but you do not have time to become an expert yourself.
We also include one free zakat calculation review per year. We screen up to three stocks or funds per month for Shariah compliance. You get a 20 percent discount on all our other services including wills contracts and financing reviews. And we send you annual reminders for zakat and insurance renewals and other important Islamic financial deadlines.
No long term contracts. Cancel anytime with just seven days notice. Just reliable accessible Islamic financial guidance when you need it from people who understand both your faith and your finances.
What's Included
Monthly Email Q&A
You can ask up to five questions per month via email. These can be any Islamic finance question you have. Is a particular stock halal to invest in? How do I calculate zakat on my rental property? What is the Islamic ruling on cryptocurrency? Can my wife and I have joint accounts? Our team responds within 48 business hours with thoughtful researched answers. If your question requires deep research we let you know and may suggest upgrading to a project for complex issues.
Monthly 30 Minute Call
Every month you get one scheduled 30 minute call with your dedicated advisor. Use this time to discuss your financial situation in depth. Review your portfolio together. Plan for an upcoming major purchase. Ask questions that are too complex for email. Get personalized advice tailored to your specific circumstances. The call can be conducted via phone or video call whichever you prefer. If you cannot use your call in a given month it rolls over to the next month.
Free Annual Zakat Review
Once per year we perform a complete zakat calculation review at no additional cost. This is the same service that standalone customers pay HKD 500 to HKD 2,500 for. We review all your assets including cash accounts and gold and stocks and pensions and business inventory. We apply your preferred school of thought. We deduct your outstanding debts. We provide a detailed PDF report and an official zakat certificate. This benefit alone can pay for your entire annual retainer fee.
Halal Investment Screening
Each month we screen up to three stocks or funds for Shariah compliance. You simply send us the ticker symbols or fund names. We check each holding against established screening criteria including AAOIFI standards and FTSE Shariah and Dow Jones Islamic Market. We tell you whether each investment is compliant not compliant or questionable. For questionable holdings we explain why and suggest halal alternatives. For non compliant holdings we calculate purification amounts if needed.
20 Percent Discount on Other Services
As a retainer client you receive a 20 percent discount on all our other services. This includes Islamic will drafting which normally costs HKD 2,500 to HKD 4,500. It includes marriage contract drafting. It includes home financing reviews. It includes business zakat automation. It includes any other service we offer. The discount applies as long as your retainer is active. You can save thousands of Hong Kong dollars per year if you need multiple services.
Annual Reminder Service
We keep track of important Islamic financial deadlines for you. We remind you when your zakat due date is approaching. We remind you when your Takaful insurance policy needs renewal. We remind you when your car financing contract has early settlement options. We remind you to review your will every few years. You provide your important dates once and we send you email reminders at 30 days and 14 days and 7 days before each deadline so you never miss anything important.
How It Works
Choose Your Payment Plan
You can pay monthly or annually. The monthly plan gives you flexibility to cancel anytime with seven days notice. The annual plan gives you two months free because we bill you for ten months instead of twelve. Choose whatever works best for your budget.
Complete Onboarding
After payment you complete our onboarding questionnaire. You share your financial profile including your income and assets and debts and goals. You share any existing investments you want us to monitor. You share your preferred school of thought for zakat calculations. You tell us about any upcoming financial decisions you are planning. This helps us personalize your guidance from day one.
Receive Advisor Assignment
Within 24 hours we assign a dedicated Islamic finance advisor to you. Your advisor has qualifications in both Islamic finance and conventional finance. They understand Shariah principles and they understand how money works in the real world. You receive their direct email address and calendar link for scheduling your monthly calls.
Start Asking Questions
You can email your advisor anytime with questions. Our response time is within 48 business hours for standard questions. For urgent matters we respond within 24 hours. You can also schedule your monthly 30 minute call at a time that suits you. Your advisor works across time zones to accommodate Hong Kong and international clients.
Monthly Renewal
For monthly plans your payment is automatically charged on the same day each month. You can cancel anytime by emailing us with seven days notice. For annual plans your payment covers twelve months of service. If you cancel before the year ends we refund the unused portion on a pro rated basis minus a small administrative fee.
Frequently Asked Questions
You can ask any Islamic finance question that you have. Here are examples of questions our current retainer clients ask. Is this stock halal to invest in? How do I calculate zakat on my cryptocurrency? Can I buy a home with a conventional mortgage if no Islamic option exists? Is my pension plan compliant or do I need to purify it? What does my marriage contract say about my rights? How do I structure a halal will for my family? Should I use Takaful or conventional insurance? Is it permissible to invest in real estate crowdfunding? How do I calculate zakat on my business inventory? What is the Islamic ruling on peer to peer lending? If you have a question about Islamic finance we can answer it or we will research it and get back to you.
We provide guidance based on established Shariah principles and the opinions of recognized scholars. For most everyday questions such as whether a stock is halal or how to calculate zakat we can give you a clear answer based on mainstream scholarly opinions. For complex matters that require a formal fatwa such as new financial products or unusual situations we can refer you to our Shariah advisory board who are qualified scholars. We cover the cost of the first fatwa request per year. Additional fatwa requests are billed separately at cost. We never claim to give fatwas ourselves. We are advisors and facilitators who connect you with the right scholarly guidance.
Yes absolutely. Small businesses and startups find this plan very valuable for ongoing Shariah compliance questions. Business owners ask us about zakah calculation for their company. They ask about halal financing options for working capital. They ask about structuring employee benefits in a Shariah compliant way. They ask about Islamic contracts for suppliers and customers. However business pricing is slightly higher than individual pricing because business questions tend to be more complex and time consuming. You can select the business plan during checkout. The business plan includes the same features but with priority response times and access to our business advisory team.
If you need more than your one scheduled 30 minute call per month you have two options. First you can purchase additional 30 minute call sessions at a discounted rate of HKD 200 per session. These sessions do not expire and you can use them anytime. Second you can upgrade to our Professional Retainer Plan which gives you unlimited calls each month up to 60 minutes per call. The Professional Retainer Plan also includes faster 24 hour email response times and includes screening of up to ten stocks or funds per month. Contact us for pricing on the Professional Retainer Plan.
Absolutely. We follow strict confidentiality policies that are standard for financial advisory services. Your personal information and financial data are never shared with third parties without your explicit written consent. The only exceptions are if we are required by law to disclose information such as a court order or if we refer you to a scholar for a fatwa in which case we share only the minimum information needed for that scholar to answer your question. Our advisors sign confidentiality agreements. Our systems use bank level encryption to protect your data. You can trust that your information stays private.
Client satisfaction is our top priority. If you feel that your advisor is not a good fit for you for any reason we will reassign you to a different advisor at no cost. You simply need to let us know within your first three months of service. We want you to feel completely comfortable with your advisor because you will be sharing personal financial information with them. If after reassignment you are still not satisfied we will refund your remaining prepaid fees on a pro rated basis and cancel your plan. No hard feelings. We want you to find the right financial guidance whether from us or from someone else.