Financial inclusion-literacy remain critical challenges in Malaysia, particularly following the post-pandemic period marked by increased household vulnerability and uneven financial preparedness. Conventional financial planning models often assume rational decision-making and fail to consider for the behavioral and emotional factors that influence financial choices. Building upon the author’s earlier RiskTole Model for financial inclusion–literacy, this study develops and verifies the enhanced RiskTole 3.0 model through expert validation. The model integrates behavioral finance concepts, risk tolerance theory, and life-cycle perspectives into a unified structure that captures both rational and emotional dimensions of personal financial planning. The study adopted a qualitative conceptual design, which five certified financial planning practitioners were engaged through in-depth interviews to evaluate and refine the original model. A manual content analysis was conducted to identify key behavioral and temporal dimensions that practitioners perceived as essential in real-world client profiling. The findings confirmed the need for dual axes representing time (current–noncurrent) and anticipation (anticipated–unanticipated events), supported by four behavioral-lifecycle quadrants of financial planning. Risk tolerance serves as a central construct linking behavioral tendencies across these dimensions. The RiskTole 3.0 model offers a theoretically enriched and practitioner-verified approach to understanding financial decision behavior. It provides practical implications for financial educators, policymakers, and advisors seeking to promote sustainable financial literacy-inclusion aligned with Malaysia SDG 2030 agenda.