Financial Advisory Service · Jakarta
Your finances should point somewhere.
FinSage makes sure they do.
What a financial plan actually does
The gap most people don't notice
They earn well. They save something every month. They have money invested somewhere. But when you ask: do you have a plan? There's usually a pause. Not because they haven't thought about it, but because they're not quite sure what a plan actually is.
The cost of not having one isn't usually a dramatic moment. It's quieter than that. The retirement that stays on the "someday" list. The protection gap that only gets noticed when something goes wrong. None of these feel urgent. Until they do.
Why FinSage
Your goals set the direction. The plan maps the route.
Fee agreed upfront
The advisory fee is agreed and invoiced before any work begins. You know what you are paying, and it does not change.
Goals before products
We identify where you're trying to go first. Any product recommendations follow from that, not the other way around.
Fully written plan
You receive a comprehensive written financial plan. Not just a conversation and a handshake. Something you can return to.
12 months alongside you
Implementation guidance and ongoing support throughout the year, not a handover and goodbye after plan delivery.
Commissions disclosed
Where insurance products are recommended and a commission applies, this is always disclosed in writing before any recommendation is made.
A financial plan doesn't ask you to be wealthy. It asks you to be honest about where you're going — before life starts making those decisions for you.
Ready to begin?
Get in touch and we'll talk through your situation. If it's a good fit, we'll take it from there.
The initial conversation is free of charge.
What we do
Every engagement begins with a thorough diagnostic and results in a written financial plan structured around the three pillars that matter most: Savings, Investments, and Protection.
The three pillars
The three pillars work as a system. Savings gives you the foundation. Investments put your money to work toward something specific. Protection makes sure life's unexpected moments don't undo the rest.
Your cash flow, budget, and emergency buffer. We map exactly where your money goes, rebuild the structure so your spending reflects your priorities, and make sure you have a proper buffer in place before anything else is built.
Goals-based investing, not product selection. We work out what you're trying to achieve and how long you have, then build an allocation strategy around that. Retirement and education funding live here, and each requires a different approach depending on where you are in life.
Coverage that keeps the plan intact when life changes unexpectedly. We review what you have, identify the gaps, and recommend appropriate cover: life, critical illness, and private health insurance. Products are only recommended when they genuinely serve the plan.
We make sure the right people get the right things, without unnecessary friction. Where estate considerations are relevant to your plan (beneficiary structures, asset transfer, and succession intentions), we address them as part of the broader picture. Given the complexity of inheritance frameworks in Indonesia, we work alongside appropriate legal and notarial professionals where specialist input is needed.
The engagement
Every engagement follows the same structured process, though the pace, depth, and areas of focus vary for each client. What doesn't change is the commitment to a written plan and 12 months of support to make it real.
First
You complete the Fact Finder, a structured document covering your full financial picture: income, expenses, assets, liabilities, goals, existing coverage, and risk profile. This gives us everything we need to begin a proper diagnostic.
Then
We review the Fact Finder in detail: cash flow deep-dive, net worth baseline, lifestyle analysis, risk profile scoring. We identify the gaps, confirm the right engagement scope, and agree on the advisory fee before anything proceeds.
The centrepiece
A comprehensive written plan across all relevant pillars. Every recommendation is documented, explained, and prioritised. We present it together and walk through it in full, so you leave with a clear picture of what to do and why.
Ongoing
We provide guidance as you execute: explaining options, helping you think through decisions, and supporting insurance applications where applicable. We don't manage funds or execute transactions on your behalf, but we're alongside you throughout.
Review
We review progress against the plan. Life events are assessed for their impact. Priorities for the next 12 months are set. Most clients continue on a retainer, though there is no obligation to do so.
Ready to begin?
A structured document you complete in your own time, about 30 to 45 minutes. Get in touch and we'll send it over.
What it costs
Your advisory fee is agreed and invoiced before any work begins, and it does not change. The right engagement tier is confirmed after reviewing the Fact Finder, not before.
Initial engagement
Essentials
One or two focus areas
Rp 18–25 juta
One-time advisory fee
For someone with a clear, focused need: getting cash flow under control, reviewing protection coverage, or starting an investment strategy.
Comprehensive
All three pillars
Rp 28–38 juta
One-time advisory fee
For individuals who want a full picture across Savings, Investments, and Protection, including goals that may include retirement planning, education funding, or both.
Advanced
Complex or multi-layered situations
Rp 42–65 juta
One-time advisory fee
For individuals with higher complexity: layered investment goals, cross-border considerations, significant protection requirements, or estate planning needs.
Ongoing support
Retainers begin only after the initial engagement ends. There is no obligation to continue. They exist for clients who want ongoing access, accountability, and guidance as life evolves.
Maintenance
Rp 8–10 juta
per year, approximately Rp 700–850 ribu per month
Active Advisory
Rp 18–24 juta
per year, approximately Rp 1.5–2 juta per month
A note on commissions
Where insurance products are recommended and the client proceeds, a commission may be earned by FinSage. This is always disclosed in writing before any recommendation is made. It is never the reason a product is recommended, and it does not affect the agreed advisory fee.
The advisor
Principal Advisor · FinSage
I spent over a decade working in financial advice practices in Australia, building financial plans from the inside. As a paraplanning team leader, I was the technical backbone of the advice process: running the numbers, constructing the strategies, modelling scenarios, and making sure every recommendation held up under scrutiny before it ever reached a client.
That experience gave me a deep understanding of what good financial advice actually requires. It is thorough, well-documented, and built around the client's situation and not around what happens to be available to recommend.
When I returned to Indonesia, I wanted to bring that same standard home and make it genuinely accessible. FinSage is that practice.
Background
12+ Years in Australian Financial Advice
Paraplanning team leader and senior advisor support across multiple wealth advisory practices in Australia, specialising in retirement planning, superannuation, personal risk insurance, and cash flow modelling.
Qualified Wealth Professional (QWP™)
Holds the QWP™ designation, covering holistic financial planning across the core pillars of personal finance.
Based in Jakarta
Serving individual clients across Indonesia. Meetings available in-person or via video call.
How I think about financial advice
01
A financial plan delivered once and never revisited is just a document. What makes it useful is an ongoing relationship: someone who knows your situation, notices when things drift, and is there to help you adapt when life changes. That is a fundamentally different thing from a one-time transaction, and it is the kind of advisory work FinSage is built around.
02
The right question to start with is not which product to pick. It is what you are trying to achieve, and how long you have. Get the goal and the timeline right first. The product follows from that, not the other way around.
03
FinSage works with a limited number of clients at any one time. A genuinely useful financial plan takes time, attention, and a real understanding of someone's situation. That is not something you can scale without compromising the work.
04
Getting your finances in order is not the goal in itself. It is what it frees up: the time you get back, the choices that open up, the ability to be present with the people who matter. Good financial planning creates space for the things money cannot buy. That is what it is ultimately for.
Work with Ivan
Get in touch and we'll talk through your situation. If it's a good fit, we'll take it from there.
The initial conversation is free of charge.
Get started
Fill in the form and we'll be in touch within two business days.
ivan.abednego@finsageid.com
We aim to respond within 2 business days.
Location
Jakarta, Indonesia
Meetings available in-person or via video call.
What happens next
You fill in the form. We review your situation and get back to you within 2 business days.
If it looks like a good fit, we'll send you the Fact Finder to complete in your own time (~30–45 minutes).
We review the Fact Finder and propose the right engagement tier, with a fixed advisory fee agreed upfront.
You confirm, sign the engagement letter, and we begin.
We'll be in touch within two business days. If you have a more urgent question, feel free to email us directly at ivan.abednego@finsageid.com
Tools and resources
Practical resources to help you think through your finances, built for anyone who wants a clearer picture. Use them freely, at your own pace.
0 of 13 answered
Tick each statement that applies to you. At the end, you will get a score and a summary of where your gaps are.
S — Savings
I know what portion of my income I actually save each month.
I have an emergency fund that covers at least 3 months of essential expenses.
My emergency fund is kept separately from my everyday spending account.
I know specifically where my money goes each month, not just roughly.
I — Investments
My investments are linked to specific goals with a clear timeline.
I have a retirement number in mind: how much I need and by when.
I have a dedicated education fund for my children, with a target amount in mind.
I have reviewed my investment strategy in the last 12 months.
P — Protection
I know the total coverage of my life insurance and whether it is enough for my family.
I have critical illness or income protection coverage in place.
I have private health insurance, separate from BPJS.
I have reviewed my insurance policies in the last 2 years.
Overall
I know how long I could maintain my current lifestyle if my income stopped tomorrow.
Savings
0/4
Investments
0/4
Protection
0/4
Ready to close the gaps?
A financial plan starts with a conversation. We will look at your full picture and work out where to begin.
The initial conversation is free of charge.
Adjust the sliders to match your situation. The calculator updates instantly to show your target and how much you still need to save.
Your target
Rp 60 juta
for 6 months of essential expenses
A 6-month buffer is the recommended starting point for most salaried employees. If your income is variable or you are self-employed, consider building toward 9 to 12 months.
Fill in your details below. The chart shows how your assets are projected to grow before retirement and draw down through retirement. Adjust the assumptions to match your own expectations.
Assumptions (editable)
Age 75 is the rounded average statistical life expectancy in Indonesia. Projecting further helps account for the possibility of living longer.
Retirement target
Rp 0
needed at retirement
Projected savings
Rp 0
Gap: Rp 0
0 of 7 answered
Choose the answer that best describes you for each question. There are no right or wrong answers. At the end you will see your risk profile and what it means for how you invest.
More tools coming
Additional free tools are being developed and will be added here.