Our Programmes
Three pathways toward a clearer financial picture
Each programme is designed around a different starting point — from everyday budgeting to a thorough look at everything retirement involves. All at a pace that respects your time and attention.
← Back to HomeOur Methodology
How we design every programme
Every Melati programme begins with the same question: what does someone in their 40s or 50s actually need to understand — not what a financial institution wants them to know? From there, we build sessions that move at a pace that lets ideas settle, revisit points that need more time, and never rush toward a conclusion.
We use plain language throughout, ground every example in Malaysian financial structures (EPF, PRS, KWSP, wasiat, hibah), and ensure that each participant leaves each session with printed materials they can return to at home.
Small-group teaching
Printed materials included
Questions welcomed throughout
Zero product selling
Easing Into Money Basics
A peaceful introductory class for those who want a gentle start with everyday finance — budgeting, saving habits, and reading your own KWSP and bank statements. Built for adults in their 40s and beyond, it stays patient and plain-spoken across two relaxed sessions, with a workbook to keep.
- Understanding your bank statements without confusion
- Building a simple, liveable monthly budget
- Reading your KWSP statement with confidence
- Developing small saving habits that fit real life
- Take-home workbook included in programme fee
Duration
2 Sessions
Price
RM 230
- Step 1. We review everyday budgeting and what your regular outgoings actually look like.
- Step 2. We walk through KWSP statements and bank summaries — step by step, in plain terms.
- Step 3. You leave with a completed workbook and a clearer sense of your financial picture.
A Restful Look at Retirement
A guided track that helps you understand how EPF, PRS, and personal savings come together as you plan ahead. We focus on your own understanding so you can weigh options calmly, free of pressure or product selling. Four sessions, worksheets, and a personal review are included.
- How EPF, PRS, and savings work alongside each other
- Estimating how much you might need in retirement
- Understanding withdrawal rules and timing options
- Personal review of your own figures (private session)
- Worksheets and reference guide included
Duration
4 Sessions
Price
RM 470
- Sessions 1–2. We cover how EPF and PRS work and what your current statements tell you.
- Session 3. We look at how personal savings and other assets fit alongside your EPF.
- Session 4. Your personal review — a private look at your own numbers with an educator.
The Calm Retirement Programme
A thorough programme covering budgeting, estate basics such as wasiat and hibah, healthcare planning, and patient investing concepts — all at a restful pace. Made for those who want to understand the whole picture without rush. Includes six weekly sessions, a printed guide, and three months of follow-up support.
- Complete budgeting and savings review
- EPF, PRS, and retirement income planning
- Wasiat and hibah — estate basics explained clearly
- Healthcare cost planning for later years
- Patient investing concepts for the cautious saver
- 3 months of follow-up support after programme ends
Duration
6 Sessions + 3 months support
Price
RM 800
- Sessions 1–2. Budgeting, savings habits, and your financial picture today.
- Sessions 3–4. Retirement income, EPF, PRS, and healthcare cost planning.
- Session 5. Estate planning — wasiat, hibah, and leaving things in order.
- Session 6. Investing concepts for the cautious saver; programme review.
Which Programme Is Right For You?
Compare the three programmes
Not sure where to start? This table shows what each programme covers so you can find the one that fits where you are right now.
| What's Included | Money Basics RM 230 |
Restful Retirement RM 470 |
Calm Retirement ★ RM 800 |
|---|---|---|---|
| Budgeting & saving habits | |||
| KWSP & bank statement reading | |||
| EPF & PRS deep dive | — | ||
| Personal review session | — | ||
| Wasiat & hibah estate basics | — | — | |
| Healthcare cost planning | — | — | |
| Patient investing concepts | — | — | |
| 3 months follow-up support | — | — | |
| Printed workbook / guide | |||
| ★ Most comprehensive programme | Enquire | Enquire | Enquire |
Shared Standards
Protocols that apply to every programme
Strict Participant Privacy
Personal details and financial figures shared during class remain confidential. No information is passed to third parties.
Annual Curriculum Review
All materials are checked against current Malaysian regulations, EPF rules, and estate planning guidelines each year.
Maximum 10 Participants
Group size is capped to preserve the quality of teaching and allow questions from every participant.
No Product Recommendations
Educators do not recommend specific financial products. Independence from product providers is maintained across all programmes.
Printed Materials Every Time
Every programme includes take-home printed materials — workbooks or guides — so learning continues after each session.
Catch-Up for Missed Sessions
Participants who miss a session receive a brief one-to-one catch-up before the next class.
Clear Pricing
All-inclusive fees, no surprises
Easing Into Money Basics
RM 230
Per participant · One-off
- 2 sessions
- Printed workbook
- Catch-up if session missed
- Small group (max 10)
A Restful Look at Retirement
RM 470
Per participant · One-off
- 4 sessions
- Worksheets & guide
- Personal review included
- Catch-up if session missed
The Calm Retirement Programme
PopularRM 800
Per participant · One-off
- 6 weekly sessions
- Printed programme guide
- Estate basics (wasiat, hibah)
- 3 months follow-up support
- Catch-up if session missed
Not sure which programme fits you best?
Send us a message and we will suggest the right starting point based on where you are. A short conversation is all it takes.
Get in Touch