Our Programs
Three Programs, Three Domains of Financial Understanding
Each program addresses a distinct area of financial literacy — structured carefully, delivered in small groups, and grounded in Malaysian practice.
Back to HomeOur Approach
How We Deliver These Programs
Facilitated Sessions
Each week opens with a practitioner-led session of approximately 2 hours, combining concept delivery with guided practice exercises.
Applied Practice
Between sessions, participants work through structured exercises using real-world materials or personal financial documents, depending on the program.
Reference Materials
Each program produces a curated set of guides and templates that participants keep and can return to when the concepts become relevant in their work or home life.
Reading Financial Statements
A focused skill-building program for individuals who encounter financial documents in their professional or personal lives but find them difficult to interpret with confidence. Participants practice with real anonymized statements and learn to identify key health indicators of a business or fund.
What You Will Learn
- Structure and purpose of balance sheets, P&L statements, and cash flow reports
- Key ratios and what they signal about a company's financial condition
- Red flags and patterns that warrant further scrutiny
- How to read Bursa Malaysia annual report disclosures
- Self-assessment quizzes to consolidate each week's learning
Program Weeks
Foundations — What financial statements are for, who produces them, and how they connect to each other.
Balance Sheet — Assets, liabilities, equity structure, and what the numbers reveal about a company's position.
Income & Cash Flow — Revenue recognition, profit quality, and the difference between profit and cash.
Applied Analysis — Working through a full set of anonymized accounts with guided interpretation and individual review.
Behavioral Finance Awareness
An eye-opening program exploring how cognitive biases and emotional responses shape financial decisions. Topics include loss aversion, anchoring, herd behavior, and overconfidence. Participants engage in interactive exercises that surface their own tendencies and develop strategies for more deliberate thinking.
What You Will Explore
- Seven common biases affecting financial decision-making
- Your personal bias profile through a structured self-assessment
- Practical strategies for slowing down high-stakes decisions
- How group dynamics intensify individual biases
- Reflective journaling to track awareness across the program
Program Weeks
Introduction & Self-Assessment — Complete the bias profile and establish your individual baseline.
Cognitive Biases — Anchoring, confirmation bias, availability heuristic, and how they show up in financial choices.
Emotional Drivers — Loss aversion, overconfidence, and the role of fear and regret in financial behavior.
Social Influences — Herd mentality, social comparison, and how peer behavior affects decisions.
Deliberate Frameworks — Applying decision processes that reduce bias influence in practice.
Family Financial Planning Fundamentals
A warm, practical program for families looking to organize their household finances together. Covers family budgeting, education savings, major purchase coordination, and age-appropriate financial conversations with children. Participants build a family financial dashboard and set collaborative household goals.
What Your Family Will Build
- A complete family financial dashboard — ready for ongoing use
- A structured approach to household budgeting and tracking
- Education savings plan framework (ASB, Amanah Saham, EPF)
- Coordinated approach to major purchases and debt management
- Language and tools for financial conversations with children
Program Weeks
Household Financial Picture — Mapping income, spending, debt, and savings as a complete family unit.
Family Budgeting — Building a workable budget that balances competing priorities and leaves room for the unexpected.
Education & Long-Term Savings — Planning for children's education, EPF, ASB, and longer-horizon goals.
Major Purchases & Debt — Evaluating property, vehicles, and credit with a family-first framework.
Dashboard & Goal Setting — Finalizing the family financial dashboard and setting 1-year, 3-year, and 10-year objectives together.
Compare Programs
Which Program Is Right for You?
| Feature | Financial Statements |
Behavioral Finance |
Family Planning |
|---|---|---|---|
| Duration | 4 weeks | 5 weeks | 5 weeks |
| Fee (RM) | RM 2,300 | RM 2,700 | RM 3,100 |
| HRDC-claimable | |||
| Weekend scheduling | On request | On request | |
| Best suited for | Professionals, business owners |
Anyone who makes financial decisions |
Families with shared finances |
| Corporate cohort available | — |
Program Fees
Transparent Pricing
All fees are inclusive of materials, reference guides, and workbooks. No additional charges apply. HRDC-eligible participants can claim fees through their employer.
Not Sure Which Program to Choose?
Speak with us before enrolling. We are glad to help you identify which program suits your current situation and goals — without any obligation to proceed.
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