Our Programmes
Three courses. Each one stands on its own. Each one works with what you already have.
You do not need to take all three. Start with the one that fits where you are today.
← Back to HomeHow We Work
Our methodology, in plain terms.
Start with what you hold
Each course begins from the documents and accounts participants actually have — not invented examples or generic scenarios.
Work through it systematically
Sessions follow a fixed sequence. Each session builds on the previous one. No session is skipped. The written summary after each meeting reinforces what was covered.
Leave with a written record
Every course concludes with documentation — either session-by-session summaries or a written closing summary of the individual's situation, depending on the programme.
Programme 1 · 4 Weeks
The Marble Counter: A First Inventory
A four-week introductory course in which the central exercise is to lay one's household money plainly on the counter — a careful written record of present accounts, balances, recurring outflows, standing commitments, and current intentions. Conducted in small group format with one facilitator and a written summary after each session.
- Full household money record completed
- Small group with a facilitator throughout
- Written summary after each of four sessions
- No prior financial knowledge needed
Programme Fee
RM 570
All materials included
Programme 2 · 6 Weeks · Max 12
Reading Statements Plainly
A six-week course on reading the everyday paperwork of personal finance — bank statements, credit card statements, EPF statements, insurance policy schedules, and unit trust statements — in plain English. Each week takes one document type and walks through the items that often go unread. Useful for those who would like to feel quietly competent in front of their own paperwork. Class size capped at twelve.
Documents Covered Week by Week
Programme Fee
RM 1,640
All materials included · Max 12 participants
Programme 3 · 6 Months · Mentor-Led
Long-Horizon Retirement Engagement
A six-month mentor-led programme that takes a long view of retirement — EPF strategy, supplementary savings, insurance review, healthcare cost provisioning, the role of any continuing part-time work, and the considered sequence of withdrawals over a typical two- to three-decade horizon. Monthly private sessions, midway review, and a written closing summary. Single track at a measured pace.
What the Six Months Cover
- EPF withdrawal strategy and sequencing
- Supplementary savings review (ASB, PRS, fixed deposits)
- Insurance and Takaful coverage assessment
- Healthcare cost provisioning over retirement
- Role of part-time or consulting income
- Written closing summary of individual situation
Programme Fee
RM 2,820
Monthly sessions · Written summary included
Which Programme?
A guide for choosing the right course.
| Feature | First Inventory | Reading Statements | Retirement Engagement |
|---|---|---|---|
| Duration | 4 weeks | 6 weeks | 6 months |
| Format | Small group | Small group (max 12) | Individual / mentor |
| EPF covered | |||
| Retirement planning | |||
| Written session summaries | |||
| Fee | RM 570 | RM 1,640 | RM 2,820 |
| Best for | Starting out, first time looking at money as a whole | Those who want to read their own documents confidently | Those within 10–15 years of stopping full-time work |
Across All Programmes
Standards that apply regardless of which course you take.
Privacy Protection
Financial details shared in sessions are confidential. No participant data is disclosed to third parties under any circumstances.
Documented Outcomes
Every session produces a brief written summary. The retirement programme ends with a written summary of the individual's situation.
Annual Review
Curriculum is reviewed and updated each year to reflect current Malaysian financial law and regulatory changes.
Qualified Facilitators
All course facilitators hold professional qualifications in financial planning, accounting, or adult education. Verified prior to appointment.
No Product Sales
No facilitator or staff member recommends, sells, or earns commission on financial products. This is standing policy, not a preference.
Post-Course Feedback
Participant feedback is collected in writing after every cohort. It informs what we adjust in the next intake — including pacing and how sections are explained.
Fees
All fees are published. All fees are inclusive.
Programme 1
The Marble Counter
A First Inventory
RM 570
per enrolment · 4 weeks
- 4 weekly sessions
- Written summary each session
- All course materials
- No hidden charges
Programme 2 · Popular
Reading Statements
Plainly
RM 1,640
per enrolment · 6 weeks
- 6 weekly sessions
- Class capped at twelve
- EPF, insurance, credit card, unit trust
- Session summaries throughout
Programme 3
Retirement Engagement
Long-Horizon
RM 2,820
per enrolment · 6 months
- Monthly private sessions
- Midway review included
- Written closing summary
- Full EPF & retirement scope
Enquire
Not sure which programme? Write to us and we will help you decide.
There is no pressure to commit. We are glad to answer questions and to say plainly if a course is not the right fit for your situation.
Get in Touch