Three ways we can help — each with a clear scope and a fixed fee

Before any substantive work begins, we take the time to understand what the client actually needs — which is not always the same as what they initially ask for. A retired civil servant who calls about a pension discrepancy may, on further discussion, also need their EPF nomination reviewed and their will updated. We do not push scope expansion; we simply make sure the client is aware of the full picture.

Each service has a defined scope that we agree on in writing before work starts. Within that scope, we aim to be thorough rather than merely adequate. If we find something outside the original scope that the client should know about, we raise it separately — not as a way to increase the bill, but because our clients rely on us to keep an eye on the whole picture.

Service One

Spousal Pension Briefing

RM 360 — fixed fee, both spouses included

A respectful, two-person session for couples approaching retirement who wish to understand together how their pensions, EPF accounts, and eventual survivor benefits interact under Malaysian law. The firm walks both spouses through the relevant provisions and creates space for questions from either person.

Most couples arrive with a general sense that these matters are important but no clear picture of how they fit together. Many leave with a considerably clearer view — and a one-page written summary they can refer to afterwards.

What is included

• Joint session at our Kuala Lumpur office (or by video arrangement)
• Review of each spouse's pension and EPF position
• Explanation of survivor benefit rules under current Malaysian law
• Open question time for both spouses
• Written one-page summary of key points discussed
• Recommendation of any follow-up steps, with no obligation to proceed

Typical timeline

The session itself typically runs 90 minutes to two hours. The written summary is sent within three working days.

Service Two

Civil Servant Pension Recalculation

RM 730 — fixed fee, includes JPA correspondence

Patient legal work for retired Malaysian civil servants who believe their pension has been calculated on incorrect service-period or salary figures. We gather the relevant service records, review them against the pension calculation, and prepare a written request for review where the records support one.

We are candid at the outset about whether the records we can locate appear to support a recalculation request. If the case does not look strong, we say so rather than proceed and collect a fee for a request that is unlikely to succeed.

What is included

• Review of all available service records and pension letter
• Initial assessment of whether a recalculation request appears viable
• Preparation of formal written recalculation request to JPA
• All correspondence with JPA managed by the firm
• Client consultation before any escalation of the matter
• Written summary of outcome and copies of all correspondence

Typical timeline

Initial review and assessment: 2–4 weeks. JPA response: variable, typically 6–12 weeks after submission. We update the client throughout.

Service Three

End-of-Life Pension & Legacy File

RM 985 — comprehensive, flexible-pace engagement

A patient, comprehensive engagement that brings the client's pension records, will, EPF nominations, advance health-care preferences, and family memoranda into a single ordered legacy file. The work is unhurried and may pause and resume as the client's energy and circumstances allow.

The firm holds the original completed file in secure storage. A duplicate is provided to a trusted family member of the client's choice — and the client chooses who that is. We do not involve anyone the client has not specifically identified and consented to.

What is included

• Review and organisation of all pension-related documents
• Review and (where needed) updating of EPF nominations
• Will review and coordination with the client's preferred solicitor if required
• Advance health-care preferences recorded and included
• Family memoranda and instructions compiled
• Secure original file held by Sirih Adil; duplicate to nominated family member
• Work may proceed in multiple sessions at the client's own pace

Typical timeline

Most Legacy Files are completed across three to five sessions over two to three months, though there is no set timeline. The work proceeds as the client wishes.