Some of my peers in the industry have been asking… “Helmi… You always talk about Islamic Financial Planning. What exactly is Islamic Financial Planning? How is Islamic Financial Planning different than conventional planning? Can we apply it exactly in Singapore?” ……………………………………………… ………………………………… …………. Yes. I specialise in helping Muslim families in Singapore, plan their finance in a shariah compliant way. In accordance to the Quran (The Word of God) And Sunnah (Traditions of Prophet Muhammad P.B.U.H).   One of the most important element of planning your finance the shariah compliant way is that you need to ensure that the financial strategies you advocate is free from prohibitive elements like riba, maysir and gharar. AND the financial instruments that you choose is ALSO free from prohibitive elements like riba, maysir and gharar.   a. Riba, meaning payment or receipt of interests,  is strictly forbidden. Allah S.W.T said in ......