Our Programmes
Three programmes, each built for a different point in the journey
Each programme addresses a distinct set of questions. The Courtyard Walk is a starting point. The Foundations course builds investment literacy. The Whole-Picture Engagement takes the full shape of retirement planning as its subject.
Back to HomeOur Approach
How these programmes are structured, and why
All three programmes follow the same underlying principle: that financial understanding comes from sustained engagement with ideas over time, not from a single concentrated session. We space sessions deliberately, include written work between meetings, and build in time for questions that arise from applying ideas to real circumstances.
Each programme has a defined scope and a clear end. We do not operate rolling subscriptions or open-ended mentoring relationships. The Whole-Picture Retirement Engagement is six months; the others are shorter. At the end, participants receive written materials they keep and a clear picture of what they have covered.
Initial enquiry and programme selection
We help you identify which programme fits your current position and questions.
Enrolment and materials preparation
You receive a programme outline and any preparatory reading before the first session.
Sessions with the same facilitator throughout
Every session is led by the same person. Context builds across weeks rather than being re-established each time.
Written summary and close
Each programme ends with written materials you keep — a reference for the months and years ahead.
Programme 1
The Courtyard Walk: An Orientation
3 weeks · Two evenings per week · Small group · RM 700
A three-week orientation programme for those who would like a calm starting point for considering their finances at this stage of life. The walk covers a careful look at current cash flow, present holdings, standing commitments and recurring questions, with one short writing exercise between sessions. Conducted in small group format with one facilitator.
What the programme covers
- Mapping current cash flow — income, expenses, and recurring commitments
- Reviewing existing holdings: property, EPF balance, deposits, insurance
- Identifying the questions that most need attention at this stage
- One short writing exercise to be completed between sessions
- Group discussion of shared questions with facilitator guidance
Best for
Those who have not previously spent structured time reviewing their overall financial position, or who would like a clear starting point before undertaking the longer programmes.
Programme 2
Considered Investing Foundations
8 weeks · Class capped at 14 · Short reading & reflection · RM 1,920
An eight-week investment foundations course oriented toward those investing carefully for the first time at this stage of life. Includes asset class fundamentals, ringgit and foreign-currency holdings, the function of EPF in a long horizon, locally available unit trusts and ETFs, and reading fund cost disclosures honestly.
What the programme covers
- Asset class fundamentals: equities, bonds, property, cash equivalents
- Ringgit and foreign-currency holdings — practical considerations for Malaysians
- EPF's role in a long investment horizon — Account 1, Account 2, Account 3
- SC Malaysia-registered unit trusts and ETFs available locally
- Reading fund prospectuses and cost disclosures without being misled
- Weekly reflection exercises to apply learning to personal circumstances
Best for
Those who have some savings but have not yet invested beyond EPF and fixed deposits, and who want to understand the options available before committing any money.
Programme 3
Whole-Picture Retirement Engagement
6 months · Monthly private sessions · Midway review · Written close · RM 2,790
A six-month mentor-led programme that takes the full shape of a retirement plan as its subject — EPF strategy, supplementary savings, insurance review, healthcare cost provisioning, family financial commitments, and the considered sequence of retirement withdrawals over a long horizon. Single track at a measured pace.
What the programme covers
- EPF strategy: withdrawal timing, Account 3 considerations, employer contributions
- Supplementary savings review: PRS, unit trusts, bonds, fixed deposits
- Insurance review: adequacy of health, life and critical illness cover
- Healthcare cost provisioning for an extended retirement horizon
- Family financial commitments: ageing parents, children's education, property
- Sequencing retirement withdrawals across a long horizon
- Written closing summary documenting the ground covered
Best for
Those within ten to fifteen years of retirement who want sustained, private support working through the full shape of their retirement plan — not a one-off session, but a real engagement over six months.
Choose Your Programme
Side by side
Use this comparison to identify the programme that best matches where you are now and what you need to address.
| Courtyard Walk | Investing Foundations | Retirement Engagement | |
|---|---|---|---|
| Fee (RM) | RM 700 | RM 1,920 | RM 2,790 |
| Duration | 3 weeks | 8 weeks | 6 months |
| Format | Small group | Group (max 14) | Private mentor |
| Cash flow & holdings review | Partial | ||
| Investment literacy (EPF, unit trusts, ETFs) | — | ||
| Insurance & healthcare provisioning | — | — | |
| Retirement withdrawal sequencing | — | — | |
| Written closing summary | — | — | |
| Instalment option available | — | — |
Fees
Clear, complete pricing
The fee shown for each programme is the total amount. There are no hidden charges, no materials fees, and no follow-on purchases.
Courtyard Walk
RM 700
per participant · 3-week programme
- Six evening sessions
- All written materials included
- Small group, one facilitator
- DuitNow / bank transfer
Investing Foundations
RM 1,920
per participant · 8-week programme
- Eight sessions, capped at 14
- All written materials included
- Weekly reflection exercises
- DuitNow / bank transfer
Retirement Engagement
RM 2,790
per participant · 6-month programme
- Monthly private sessions
- Midway review session
- Written closing summary
- Two-instalment option available
Standards Across All Programmes
What every programme includes, regardless of length
Participant confidentiality
Personal financial information shared in any session is held in strict confidence under PDPA 2010.
No product referrals or commission
No financial product is sold or recommended for commission in or after any programme.
Written materials for ongoing reference
Handouts are designed to be useful after the programme ends, not just during sessions.
Curriculum reviewed each intake
Content is checked against current SC Malaysia regulations and EPF policy before every new cohort.
Malaysian context throughout
All programmes work within the Malaysian regulatory and tax environment — EPF, SC Malaysia, Lembaga Hasil Dalam Negeri.
Post-programme feedback review
Every participant is invited to provide written feedback which is read and acted upon for the following intake.
Begin
Not sure which programme is right for you?
Send us an enquiry and describe where you are. We will suggest the programme that fits, without pressure to choose the most expensive option.
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