Bijak Wealth
Bijak Wealth workshop programmes

Our Programmes

Three programmes. One clear intent.

Each workshop at Bijak Wealth addresses a specific stage of financial readiness — from first retirement planning through to a comprehensive review of everything you have built.

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Our Methodology

How Every Programme Is Built

Each of our three programmes applies the same four underlying principles, even though the content and depth differ considerably.

Context First

Each programme begins with the Malaysian regulatory and financial environment before introducing planning frameworks.

Participant-Centred

Exercises are built around the participant's actual situation, not hypothetical scenarios.

Progressive Build

Each session builds on the previous — content is not compressed into a single overwhelming block.

Actionable Outcomes

Every programme ends with tangible documents or reports participants can use beyond the workshop.

Retirement Roadmap Workshop

Programme 01

Retirement Roadmap Workshop

A structured three-session workshop for individuals entering their peak earning years. Participants explore income projection, expense forecasting, and savings-gap analysis. Content covers EPF optimisation, dividend-income planning, and healthcare cost estimation. Suitable for salaried professionals and self-employed individuals alike.

Three sessions
6–12 participants
~2.5 hrs per session
KL centre or online

Session Outline

1

EPF Anatomy & Your Current Position

Account 1, 2, and 3 structure, voluntary contributions, and retirement adequacy benchmarks.

2

Income Projection & Savings Gap

Projecting retirement income from EPF, dividends, rental, and other sources. Identifying and addressing the gap.

3

Healthcare, PRS & Action Plan

Healthcare cost estimation, PRS as a supplementary vehicle, and personal action plan. Includes a follow-up call.

Programme Fee

RM 680

Workbook & follow-up call included

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Estate and Legacy Dialogue

Programme 02

Estate and Legacy Dialogue

A guided conversation series spanning four sessions, covering Malaysian estate structuring, will preparation, trust fundamentals, joint-tenancy considerations, and Wasiyyah planning for Muslim participants. Real-scenario exercises and document checklists throughout.

Four sessions
6–12 participants
~2.5 hrs per session
Digital reference pack

Session Outline

1

Malaysian Estate Law Fundamentals

Intestacy rules, Distribution Act 1958, and what happens without a will in place.

2

Wills, Joint Tenancy & Nominees

What a valid will requires, tenancy-in-common vs joint tenancy, EPF and insurance nominee misconceptions.

3

Trust Structures & Wasiyyah

Private trusts, Amanah options, Wasiyyah preparation, Faraid distribution, and Hibah considerations.

4

Document Checklist & Next Steps

Compiling a personal estate checklist and understanding when to engage a solicitor or trust company.

Programme Fee

RM 1,850

Digital reference pack & document checklist included

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Comprehensive Financial Review Programme

Programme 03

Comprehensive Financial Review Programme

A six-session deep-dive reviewing all personal financial areas — EPF, PRS, insurance portfolios, debt structuring, and tax-efficient investment positioning. Each participant receives a detailed written report and two post-programme review sessions. Suitable for those approaching or recently entering retirement.

6 sessions + 2 reviews
6–12 participants
~3 hrs per session
Written report included

Session Outline

1

Current Financial Position

Mapping assets and liabilities. EPF, PRS balances, and outstanding loans.

2

Insurance Portfolio Assessment

Coverage gaps, over-insurance, policy types, and what may warrant review at this stage.

3

Debt Structure & Cash Flow

How outstanding loans interact with retirement timing and what that means for planning.

4

Investment Positioning

Tax-efficient placement across ASNB, unit trusts, REITs, and dividend stocks.

5

Estate Overview

A review of existing estate documents and what is still needed — will, power of attorney, trust structures.

6

Action Plan & Written Report

Consolidating findings into a prioritised written report. Setting up the two post-programme review meetings.

Programme Fee

RM 3,400

Written report & two post-programme reviews included

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Side-by-Side Comparison

Which Programme Is Right for You?

Use this matrix to understand what each programme covers and what it includes.

Feature Retirement Roadmap Estate & Legacy Comprehensive Review
Sessions346 + 2 reviews
EPF deep-dive
Estate & WasiyyahOverview
Insurance review
Debt & cash flow
Written report
Follow-up included1 call2 review sessions
Self-employed track
Fee (RM)6801,8503,400

Best for

Retirement Roadmap

Salaried professionals or self-employed individuals in their 40s who want a structured look at their retirement trajectory and EPF situation.

Best for

Estate & Legacy

Anyone who realises their estate documents are incomplete or not in place and wants clarity before engaging a solicitor or trust company.

Best for

Comprehensive Review

Those approaching or recently entering retirement who want a thorough, documented view of their entire financial picture — all areas together.

Across All Programmes

What You Can Expect in Every Session

No Product Sales

Facilitators hold no sales targets. No product is recommended or promoted at any point.

Annually Reviewed Content

EPF rules, LHDN thresholds, and estate law changes are reflected in the curriculum each year.

PDPA Compliant

All participant information is handled in accordance with Malaysia's Personal Data Protection Act 2010.

Small Cohorts

Sessions are capped at twelve participants for genuine dialogue and individual attention.

Outline Provided Upfront

The full session outline is shared before your first session so you can arrive prepared.

Between-Session Access

Participants may contact their facilitator by email between sessions — no need to hold every question until the next meeting.

Not sure which programme fits where you are right now?

Reach out and we will walk you through the options — at whatever pace suits you.

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