Our Company
An education centre
built for careful learners
Tanjung Delima was founded in Ipoh with a single conviction: that Malaysians in the middle decades of life deserve financial education that takes them seriously.
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Where the name comes from
Tanjung Delima takes its name from a cape in Perak — a place known for calm waters and quiet deliberation. That image felt right. Financial decisions made in the middle decades of life rarely benefit from haste. They reward the kind of thinking that happens when someone has a pen in hand and time to consider.
The centre was established in Ipoh in 2019 by a small group of licensed financial planners, educators, and lawyers who shared a frustration: that most financial content in Malaysia was either aimed at beginners or pitched at wealthy investors. There was very little designed thoughtfully for people in their 40s and 50s — people with EPF accounts, ageing parents, grown children, and a legitimate need to get their affairs in order.
We started with one short programme. Today we offer three, and we are deliberate about not expanding faster than we can maintain quality. Each course is reviewed annually, and every licensed professional who contributes to the one-to-one sessions holds current registration with Bank Negara Malaysia or the relevant regulatory body.
Our Mission
Clarity grows through patient record-keeping
We think of money management as a practice of careful writing rather than a performance. Our mission is to give Malaysians in their 40s and beyond the frameworks, vocabulary, and structured space to understand their own financial picture and write it down plainly.
We are not a financial advisory firm. We do not sell investment products or earn commissions on any recommendation. What we sell is structured learning time — and the presence of licensed professionals where the subject genuinely calls for one.
"The goal is not to tell people what to do with their money. The goal is to help them think clearly enough to decide for themselves."
— Founding Principle, Tanjung Delima
Our Values
What we hold to
Plain language
Financial education should not require a finance degree to follow. We write and speak plainly, define every term we use, and treat jargon as a failure of teaching rather than a marker of sophistication.
No conflicts of interest
We do not sell financial products and we do not receive referral fees. When we recommend that a learner consult a professional, it is because the situation calls for it — not because we benefit.
Respect for pace
Our courses are designed to be completed over weeks, not days. We believe that real understanding requires time for ideas to settle. We do not reward speed, and we do not manufacture urgency.
Malaysian context
Every programme is built around Malaysian law, EPF regulations, and the legal frameworks that apply here — not adapted from overseas material. The Succession course, in particular, addresses both Muslim and non-Muslim estate rules.
Licensed expertise
Where one-to-one sessions are included, the professionals involved hold current licences. We review these annually. Learners are not handed over to unqualified advisers or salespeople at any point.
Honest about limits
Education and advice are different things. We are always clear about which one we are providing and when a learner's situation calls for regulated professional advice rather than further study.
The People Behind the Programmes
Our core team
Ahmad Hisham
Founding Director & Lead Educator
A licensed financial planner with 19 years of practice in Ipoh. Ahmad designed the Financial Plan and EPF Strategy programmes and leads the one-to-one planning sessions.
Nor Radziah
Legal Education Lead
An advocate and solicitor with a focus on estate planning and trusts law. Nor Radziah co-designed the Succession and Hibah programme and contributes to the combined sessions with learners.
Zulaikha Farhana
Curriculum & Learner Experience
Responsible for course structure, written materials, and the learner experience from enrolment to completion. Zulaikha holds a background in adult education and instructional design.
How We Work
Standards we maintain
Licensed Professionals
All professional contributors hold current licences with Bank Negara Malaysia, the Bar Council of Malaysia, or the relevant Shariah authority.
Annual Course Review
Each programme is reviewed every year to reflect changes in EPF regulations, tax law, and succession legislation. Learners are notified of material updates.
Data Privacy
We handle learner information in accordance with Malaysia's Personal Data Protection Act 2010 (PDPA). We do not share personal data with third parties for marketing.
Learner Feedback
Every cohort completes a structured feedback form at programme end. We read every response and use them to inform the next annual review.
Our Approach
Finance education built for the middle decades
Tanjung Delima operates from a simple observation: the financial decisions that matter most to most Malaysian households — EPF withdrawal timing, succession planning, household budgeting in semi-retirement — are not well served by the education market. Most available content is either too elementary or pitched at investors with very large portfolios.
Our programmes are designed for working Malaysians who have spent two decades earning, raising families, and contributing to EPF — and who now find themselves facing decisions that require some working knowledge of how the system actually operates. The Financial Plan programme addresses the foundational question of where someone stands and where they want to go. The EPF and Pension programme addresses the technical decisions around withdrawal timing and coordination with other retirement income. The Succession and Hibah programme addresses the estate planning work that most Malaysian families put off for too long.
We are based in Ipoh, in Perak, and most of our learners are from the northern states of Peninsular Malaysia — though the programmes are delivered online and are equally relevant to learners anywhere in the country. The legal content reflects Malaysian law, and the practical examples are drawn from situations that Malaysian households actually encounter.
Would you like to know more?
We are happy to have a conversation before you commit to anything. Call us, send a message, or read through the course pages at your own pace.
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