Ab. Rahman , S. M.; Abdullah , M.; Nik Ismail , N. R.; Usman , Z.; Md Apandi , H. F.; Muhammad , M. Z.; Yusoff , A. A Conceptual Framework: The Effect of Saving Planning, Debt Investment Planning and Retirement Planning on Personal Financial Planning Among Amanah Ikhtiar Members (AIM), in Tumpat. JISED 2025, 10.