Accounts from the People We Have Worked With

The family had eighteen years of EPF statements, two employer scheme booklets, nomination forms and several notices of unclear status stored in three different locations — including a plastic bag. They were approaching retirement and wanted to be certain everything was accessible and in order before their eldest child moved abroad.

The ninety-minute consultation produced a complete inventory list, a six-section filing structure covering EPF, employer scheme, nomination and beneficiary records, insurance, correspondence, and a miscellaneous reference section. Dividers were printed and labelled in English and Bahasa Malaysia. One notice was identified as requiring a follow-up with EPF directly, and a referral note was written accordingly.

All documents were filed within the session. The filing plan was photographed and sent to the eldest child before they travelled. The EPF follow-up was completed by the client within two weeks using the referral note as guidance. The family reported that a subsequent visit from another family member to retrieve a specific document took under three minutes.

A community learning centre in Cheng identified that a significant proportion of their members approaching or past retirement age had never engaged directly with their EPF statements or understood the nomination process. Several members had received correspondence from their employer's pension scheme without knowing what action, if any, was needed.

Two successive cohorts of the ten-week programme were hosted at the centre, running on Saturday mornings. Sessions covered EPF statement structure, employer scheme correspondence, nomination forms, the meaning of scheme booklet sections, and the distinction between administrative questions and those requiring a qualified financial or legal professional. The invited practitioner session in week seven drew the largest attendance of any session.

Twenty-seven participants completed across two cohorts. Post-programme, fourteen participants reported having updated their EPF nomination details, which in some cases had not been reviewed in over a decade. Eight participants made an appointment with a financial planner following the referral guidance. The centre extended the partnership for a third cohort in the following quarter.