Our Programmes
Three notebooks.
One shelf.
Each programme addresses a distinct set of decisions. You can take them in any order, though most learners begin with the Financial Plan.
← Back to HomeHow We Teach
Our approach to the material
Written, then discussed
We believe financial clarity is built by writing things down. Each module asks learners to complete a written section of their own plan, budget, or succession file. The one-to-one sessions build on what has already been written.
Layered, not compressed
Ideas are introduced early, applied in the middle weeks, and revisited near the end. This is not a weekend intensive. Spreading material over weeks gives concepts time to settle and questions time to form.
Education, not advice
We are always clear about this distinction. The courses teach you how the system works and what questions to ask. The one-to-one sessions with licensed professionals allow those professionals to engage with your specific situation within their scope of practice.
Programme One
Writing Your Own Financial Plan
A short programme for Malaysian learners in their 40s who would like to draft their own written financial plan — not as a rigid contract, but as a document that captures where they are, what matters to them, and what they wish to work towards.
The programme provides a simple template and guides learners through completing each section: personal goals, household balance sheet, protection review, savings and investment intentions, and a review schedule. The emphasis throughout is on writing plainly and honestly.
What you will cover
Personal goals and values
Understanding what financial security means to you specifically, rather than in the abstract.
Household balance sheet
Assets, liabilities, and net position — recorded in a format you can update each year.
Protection review
A structured review of existing life, medical, and critical illness cover against your current needs.
Savings and investment intentions
Not recommendations — a framework for recording and reviewing your own intentions.
Review schedule
Setting up a simple annual review habit, so the plan remains useful rather than becoming a document filed and forgotten.
Included: Printed Malaysian household financial plan template, digital course materials, 12-month access.
Programme Two
Pension Options and EPF Withdrawal Strategy
An intermediate programme on the choices Malaysian households face around pension and EPF withdrawal — a topic that receives surprisingly little calm, careful coverage. The course walks through the full EPF withdrawal rules, partial withdrawal options before and after 55, the Akaun Emas structure, and the trade-offs of lump-sum versus staggered withdrawals.
Also covered: PRS payout options, and how to coordinate these with other income sources in retirement. Includes two one-to-one planning sessions with a licensed financial planner.
What you will cover
Full EPF structure
Akaun 1, Akaun 2, Akaun 3, and Akaun Emas — how each works and what it is for.
Withdrawal options before and after 55
Eligible partial withdrawals, the rules governing them, and how timing affects what is available.
Lump-sum vs staggered
A structured analysis of the trade-offs, appropriate to your income situation and other assets.
PRS and other private pension coordination
How PRS payouts interact with EPF withdrawals and what the tax treatment looks like.
Two one-to-one sessions
Each conducted by our licensed financial planner, Ahmad Hisham, based on your actual EPF position.
Included: Two one-to-one sessions with a licensed financial planner, digital course materials, 12-month access.
Programme Three
Succession and Hibah for Malaysian Families
A longer programme on succession planning in Malaysia, with close attention to the different legal frameworks applicable to Muslim and non-Muslim estates. The course addresses the practical work that most Malaysian families put off for longer than they should — and which becomes considerably harder to address in a crisis.
Content covers the drafting of a wasiat, the use of hibah in Muslim estate planning, the role of faraid, nomination of beneficiaries for EPF and insurance, trusts for minors and dependants with special needs, and the practical work of preparing a household succession file that family members can actually locate and understand. Includes three combined sessions with a licensed lawyer and a Shariah-qualified planner.
What you will cover
Malaysian estate law frameworks
The legal distinctions between Muslim and non-Muslim estates, and why they matter for practical planning.
Wasiat, hibah, and faraid
How these three instruments work, how they interact, and the practical steps involved in putting them in place.
Beneficiary nominations
EPF and insurance nominations in Malaysia operate differently from a will. This module explains how and why.
Trusts for minors and dependants
When a trust is useful, how to establish one in Malaysia, and what to consider for dependants with special needs.
The household succession file
A practical guide to assembling a file that your family can find and understand — the part most people never complete.
Three combined sessions
With a licensed lawyer (Nor Radziah) and a Shariah-qualified planner, addressing your specific family and asset situation.
Included: Three combined sessions with a licensed lawyer and Shariah-qualified planner, digital course materials, 12-month access.
At a Glance
Programme comparison
A quick reference for choosing the programme that fits where you are. Most learners find the Financial Plan is the natural starting point, but there is no requirement to take them in order.
| Feature | Financial Plan RM 805 |
EPF Strategy RM 2,260 |
Succession RM 3,270 |
|---|---|---|---|
| Duration | 6 weeks | 10 weeks | 18 weeks |
| Weekly commitment | 2–3 hrs | 3–4 hrs | ~4 hrs |
| One-to-one sessions | — | 2 sessions | 3 combined sessions |
| Printed materials | |||
| Best for | Starting a financial plan from scratch | Approaching 55 or reviewing EPF options | Families with succession concerns |
| Suits Muslim and non-Muslim households | Both frameworks covered |
Shared Standards
What applies across all programmes
PDPA-Compliant Data Handling
All personal information shared during the programmes is handled in accordance with Malaysia's Personal Data Protection Act 2010.
Annual Regulatory Review
All content is reviewed annually against current EPF rules, tax law, and Malaysian estate legislation. Enrolled learners are notified of material changes.
Minimum 16px Font Size
All course materials — online and printed — maintain a minimum font size of 16px. Readability is not a luxury in programmes designed for people who read carefully.
Learner Feedback at Every Cohort
Every programme cohort ends with a structured feedback process. All responses are read and inform the next annual review.
Pricing
Course fees (Malaysian Ringgit)
All fees inclusive of materials. Instalment arrangements available on request for longer programmes.
Programme One
Financial Plan
RM 805
6-week programme · 2–3 hrs/week
- All digital course materials
- Printed household plan template
- 12-month access
- Email support throughout
Programme Two
EPF Strategy
RM 2,260
10-week programme · 3–4 hrs/week
- All digital course materials
- Two 1-to-1 planner sessions
- 12-month access
- Email support throughout
Programme Three
Succession & Hibah
RM 3,270
18-week programme · ~4 hrs/week
- All digital course materials
- Three combined expert sessions
- 12-month access
- Email support throughout
Payment by FPX, bank transfer (Maybank, CIMB, Public Bank). Instalment arrangements available on request.
Not sure which to begin with?
We are happy to talk through your situation and suggest where it makes sense to start. Contact us and we will respond within two working days.
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