I'm a Chartered Accountant with 15+ years inside Malaysian practice. DuitCFO is a fractional CFO service for owners of RM2–10m businesses — AI handles the grind, I sign off on every output.
For 15+ years inside Malaysian practice, I've helped SME owners make sense of their numbers — find the leaks, plan growth, survive compliance. Different industries, different sizes, same core work.
A real CFO costs RM15–25k a month. So businesses doing RM2–10m end up making big-ringgit decisions on a bookkeeper's P&L and gut feel.
Some hit the ceiling. Some over-hire. Some run out of cash while looking profitable on paper.
AI changed the economics. Work that used to take a CFO 40 hours a month, I can deliver in a fraction of that time — with AI handling the grunt work and a Chartered Accountant reviewing every output. Same insight. Same rigour. A meaningful step-change in cost.
// Industries and figures changed; the patterns are real.
Husband-and-wife team, brilliant work. Stalled at RM4m every year. Thought it was a sales problem.
It wasn't. Their gross margin had quietly dropped for three years because they kept onboarding bigger clients at old pricing. Their best client was their worst client.
Closed a big retainer. Hired three. Hired two more. Then the retainer ended without renewing.
RM180k of monthly payroll, nine months of runway if he was lucky. He was running on bookkeeper reports a month late, with no forecast and no scenario model.
P&L looked great. Revenue up 30% YoY. Then the bank balance dropped below payroll twice in one quarter.
Receivables had crept from 45 days to 90. WIP was sitting unbilled. Two clients owed three months of overheads. Profit isn't cash.
I could write fifteen more of these. Different sectors, same shape: good business, hard-working owner, numbers nobody was reading until something broke.
Good CFOs cap out at 5–6 clients because they know quality drops the moment they stretch. They're right to refuse more. AI removes the time-intensive grind so the same depth of work reaches more clients — without diluting any of them. That's how the price works.
I've been deep in AI tooling for finance work — properly built workflows that touch real client books and real client decisions. Long enough to know exactly what AI does brilliantly and where it absolutely cannot be trusted.
If the advice goes sideways, it's my name on it — not the model's.
First, I want clients who believe in the AI-CA approach, not clients who hire me because they recognise my name. If you're only interested because of who's behind it, that's the wrong reason to start.
Second, I'm still actively practising in the Malaysian accounting profession. Building this quietly under a brand keeps the boundaries clean while I prove the model.
You'll meet me on the discovery call — by then, you've already decided DuitCFO makes sense. The only question left is whether we are a fit.
// what I can tell you now
What I am. An adviser. I work alongside you and your team to build forecasts, interpret numbers, diagnose bottlenecks, and shape decisions. Every output that leaves DuitCFO — AI does the work, I review and approve as a Chartered Accountant. I take full ownership. A proper engagement letter sets out exactly what's in scope.
What I'm not. I'm not your accountant of record, your auditor, or your tax agent. Those professional relationships stay with the people you've already engaged. DuitCFO sits on top — strategic finance, not statutory work.
What if AI hallucinates a number into my forecast?
It won't reach you. Every output is reviewed by me as a Chartered Accountant before it leaves DuitCFO. If it doesn't pass my smell test, it doesn't get sent. Accountability sits with me, not the model.
Are you replacing my accountant or auditor?
No. DuitCFO works on an advisory basis — alongside your existing accountant, auditor, and tax agent. A proper engagement letter sets out exactly what's in scope.
How is this different from an outsourced finance team?
Outsourced teams handle execution. DuitCFO is strategic — what should you do with what the numbers are telling you. Many clients keep both.
Do I need to be on a specific accounting system?
No. The AI workflows handle most major systems used in Malaysia. We'll cover what you're on during the call. If there's a setup gap, I'll tell you upfront.
What does the discovery call actually look like?
30 minutes. Bring your numbers if you can — I'll show you the model running on them in real time. No deck, no hard sell. You'll leave with one diagnosis you didn't walk in with.
30 minutes. No deck. No pressure. Bring your numbers — leave with one diagnosis you didn't walk in with.
Book a 30-min call