Frequently Asked Questions | MMC Financial Planning

Yes — that's the "See" step of our system. AI consolidates your scattered records into a live dashboard: yesterday's takings, this month's margin, the cash runway ahead, with alerts tied to your budget. No more waiting until the 15th for last month's story. We teach owners to build their own in the Build Your AI CFO programme, or install and supervise the full system through the AI Finance & Performance Brain engagement.

Because the savings mean nothing to them — they use AI to finish early, and the benefit stops there. That's not an attitude problem; it's an incentive-design problem. The fix is the Cost-Saving Bonus Mechanism: quantify what AI saves in fixed cost and turn a defined slice into an over-performance bonus pool. Once the savings are partly theirs, your team teaches themselves AI overnight. This is designed hands-on in the AI CFO programme.

You fill in the short form on the AI profit diagnosis page, and an MMC consultant contacts you within one working day for a 30-45 minute one-on-one: where your profit and cash are leaking, where AI should cut first, and whether a system is worth building for your numbers. It's free, it's a real consultant rather than a chatbot, and there's no hard sell — if it's not a fit, we say so.

Absolutely — that's the point. What we call a "budget" is not a stack of accounting reports for the tax man. It's a simple management tool you read to run the business.

We put everything in plain business language — "run the numbers before you commit", "blueprint the year before you build it" — so you and your core team can think like a CFO without being one. No jargon, no spreadsheets you can't follow. Start with our training programme.

Our edge is seasoned judgment plus next-generation energy. The core methodology comes from senior advisors with 25+ years in the field — proven across cycles and downturns. Our younger team brings current market perspective and strong execution, so that proven system actually lands inside your company instead of sitting in a binder. Backed by an SC licence held since 2008. See Why MMC.

Yes — this is one of the most common reasons owners come to us. Fast growth without a cash plan is exactly how profitable companies run out of money.

Our Calculate Right stage builds a breakeven point and a cash-flow forecast before you commit to the next big spend, so growth funds itself instead of starving you. Read more on the Methodology page, or bring the numbers to a strategy call.

The flagship runs as three core training days plus one follow-up implementation day — that's the "(3+1)."

The three days walk you through the full methodology spine: Calculate Right (profit-reverse-engineered budgets and the breakeven point), Distribute Fair (KPIs and a profit-linked incentive mechanism), and Sell High (valuation and exit). The +1 day, scheduled after you've applied it, is where we troubleshoot your real numbers so it sticks. See the full agenda.

Our programmes are designed to support eligible employers in claiming under HRD Corp (HRDF), subject to your company's levy standing and HRD Corp's prevailing approval process.

Because claim eligibility depends on your registration status and the specific scheme, the cleanest path is to confirm it with us directly when you enquire — we'll point you to the right documentation. Reach out via Contact Us.

A three-stage journey from profit to capital:

• Stage 1 — Calculate Right (the profit engine): build a budget reverse-engineered from target profit, set the breakeven point, and calculate before you commit.
• Stage 2 — Distribute Fair (the execution engine): master KPI setting and a threshold-based incentive mechanism so the team fights for your goal.
• Stage 3 — Sell High (the value engine): understand valuation, PE ratio, and exit planning. Explore the programme.

Yes — corporate training is one of our core offerings, alongside the monthly public courses. In-house programmes run in two tracks: financial training (building your team's financial analysis ability) and goal-execution training (budgeting, KPI alignment and incentive design, so targets actually get hit).

Every in-house session is built around your actual numbers and structure, so the leadership team leaves speaking the same financial language and ready to apply it immediately. Tell us your team size and goals via Contact Us.

Engagements typically run in four steps over 3 to 6 months:

1. Diagnosis — we dig into your real numbers and the core challenge.
2. Design — we build a budget-centred solution tailored to you.
3. Install & train — workshops and in-house sessions embed the system in your team.
4. Run alongside you — for the following months we keep tracking, adjusting, and pushing until results show. Duration scales with complexity. Start at Contact Us.

Yes. Many SME owners don't need a full-time CFO salary — they need CFO-level thinking on call. Through our advisory engagements we act as your external CFO: owning the budget, watching the breakeven point, reading the internal management accounts with you, and steering capital decisions.

You get senior financial leadership without the headcount. See our services or discuss the fit on a strategy call.

Yes — this is our Sell High stage. Whether you're raising funds, selling the business (M&A), or going public, we help you build the financial roadmap investors expect.

We guide you in optimising your financial structure, governance, and PE-ratio story so you can sell the company at a strong price when you decide to exit. It's the difference between leaving on your terms and taking whatever's offered. Learn more on the Methodology page.

Because we measure it. Before any engagement starts, we set clear, measurable success indicators with you — profit margin, cash-flow improvement, team productivity, whatever matters most to your business.

Everything we do is built around hitting those numbers, so progress is visible, not vague. Combined with an SC licence and a 500+ enterprise track record, the accountability is built in. Set your targets on a strategy call.

The breakeven point is the minimum monthly revenue your business must hit just to not lose money — the floor below which every additional sale is the only thing keeping you alive.

Most owners don't know their number, so they discover cash trouble only after it's happened. We calculate it with you up front, then build the budget above it. It turns "how was last month?" into "are we above the line?" — a question you can answer in seconds. More on the Methodology page.

Normal accounting records the past for the tax man — it tells you what already happened. Our budget is a forward-looking management tool the owner reads to make decisions: an internal account you actually run the company on.

Instead of forecasting profit from expected revenue, we reverse it: start from the profit you want, then work backwards to the revenue, margin, and cost discipline that get you there. See the full approach on the Methodology page.

People leave when effort and reward feel disconnected. Distribute Fair fixes the mechanism, not the mood: KPIs and incentives are tied to a profit threshold, so when the company wins, the team visibly wins with it — and the owner isn't paying bonuses out of money the business didn't actually make.

It aligns everyone to the same number instead of fighting over a fixed pie. See how it fits the system on the Methodology page.

Training has clear pricing: the 2-day Build Your AI CFO programme is RM4,980, the flagship Budget Management (3+1) program is RM12,800, and the 3-day Capital Path programme is RM12,800. Levels 1–2 run one intake every month and the Capital Path runs quarterly — limited seats, first come, first served — and all are 100% HRD Corp (HRDF) claimable with our end-to-end claim guidance.

Consulting pricing depends on the depth of the work, the seniority of the consultants involved, and the engagement length — so a single number wouldn't be honest. What we can promise is the lens: we aim for a return that comfortably exceeds the fee, and we set those targets with you before you commit a ringgit. Start with the free AI profit diagnosis or a no-obligation strategy call.

It's a focused conversation, not a sales pitch. We ask about your revenue, margins, cash-flow pressure, team structure, and where you want the business to be. From there we tell you honestly whether the training programme, consulting, or neither is the right next step.

You leave with a clearer view of your highest-ROI move, regardless of whether you work with us. Book it via Contact Us.