Our Methodology
How We Design and Deliver Every Programme
Before exploring each programme, it helps to understand the approach that underlies all three.
Teach First
We explain concepts fully before expecting any decisions. No assumptions about prior financial knowledge.
Anchor to Malaysia
Every example, regulation, and institution referenced reflects the Malaysian context specifically.
Practical Outputs
Each programme produces a tangible tool or document participants can use after sessions end.
Live Facilitation
All sessions are led by a qualified facilitator present throughout, not pre-recorded or automated.
Programme 01
Wills and Wasiyyah
Awareness Session
A two-session educational engagement covering the essentials of will-writing and Wasiyyah preparation in Malaysia. Topics include the difference between conventional wills and Islamic estate distribution, choosing an executor, asset listing procedures, and how to work with professional will-writing services. Suitable for individuals of all backgrounds who have not yet documented their wishes.
What This Programme Covers
- Differences between a conventional will and a Wasiyyah under Syariah law
- How Faraid (Islamic inheritance distribution) is calculated and applied
- Selecting and appointing an executor — what that role involves
- How to inventory assets, including EPF nominations and Takaful policies
- Working with licensed will-writing professionals in Malaysia
- Pre-drafting checklist included — to use with your own solicitor
Who This Suits
Individuals of any background who have not yet written a will, those who completed one many years ago and want to review it, and anyone unsure how Malaysian law handles their estate if they pass without documentation.
Sessions
2 sessions
Format
Facilitated, small group
Price
RM 680
Programme 02
Amanah Saham Navigator
Course
A three-session course explaining the full range of Amanah Saham Nasional Berhad (ASNB) products available to Malaysian citizens. Covers fund characteristics, historical return patterns, contribution strategies, and how ASNB fits within a diversified savings approach. Designed for those who have heard of ASB or ASN but want a deeper understanding before committing larger amounts.
What This Programme Covers
- Full overview of ASB, ASN, and the broader ASNB product range
- Understanding fixed-price vs variable-price unit trust funds
- Historical distribution patterns and how to read them realistically
- Strategies for contribution — lump sum vs regular vs top-up
- How ASNB products fit alongside EPF, Takaful, and property
- ASNB allocation planning worksheet — included with the course
Who This Suits
Malaysians who hold an ASB or ASN account but have never explored the full product range, those approaching retirement who want to understand how ASNB fits their broader picture, and anyone who wants to make considered decisions rather than follow general advice.
Sessions
3 sessions
Format
Facilitated, small group
Price
RM 1,280
Programme 03
Life-Stage Financial
Overhaul Programme
A six-session intensive programme for individuals experiencing a significant life-stage transition — approaching retirement, recently widowed, newly divorced, or returning to the workforce. Covers a complete financial reset: income assessment, expense restructuring, insurance review, investment rebalancing, and estate document updates. All content is anchored in Malaysian legal and financial frameworks. Includes a personalised action plan and three follow-up consultations.
What This Programme Covers
- Income assessment for transitional life stages (retirement, re-entry, widowhood)
- Expense restructuring and cashflow planning for changed circumstances
- Insurance and Takaful coverage review — what to keep, adjust, or release
- Investment rebalancing appropriate to new life stage and timeline
- Estate document checklist — will, Wasiyyah, and nomination updates
- Written personalised action plan reviewed across three follow-up consultations
Who This Suits
Those facing retirement within five years, individuals who have recently experienced bereavement, divorce, or major life change, and anyone whose financial picture has shifted substantially and who want a structured, supported way to reassess and reorganise.
Sessions
6 + 3 follow-up
Format
Individual or small group
Price
RM 3,250
Side by Side
Choosing the Right Starting Point
If you are unsure which programme fits your situation, this comparison may help clarify the distinctions.
| Feature | Wills & Wasiyyah |
ASNB Navigator |
Life-Stage Overhaul |
|---|---|---|---|
| Sessions included | 2 | 3 | 6 + 3 follow-up |
| Price | RM 680 | RM 1,280 | RM 3,250 |
| Estate planning focus | |||
| ASNB / investments covered | |||
| Cashflow and income review | |||
| Insurance and Takaful review | |||
| Wasiyyah and Faraid explained | |||
| Written planning tool included | Checklist | Worksheet | Action Plan |
| Follow-up consultations | |||
| Best suited for | Estate readiness | ASNB decisions | Life transition |
Not sure which applies to your situation? Drop us a message and we will talk it through with you.
Standards
Professional Standards Across All Programmes
Privacy and Discretion
All participant information, session content, and personal financial details are handled with strict confidentiality. Nothing shared in a session is discussed outside it.
Educational Boundaries
Budi Finance delivers education, not financial advice. We help participants understand their options clearly — decisions rest with them, as they should.
Annual Content Review
Programme content is reviewed every year to reflect changes in Malaysian legislation, ASNB product updates, and EPF policy revisions.
Small Cohort Sizes
Sessions are capped to ensure every participant can engage meaningfully. We do not optimise for volume at the expense of quality.
Qualified Facilitators
Our facilitators hold professional qualifications recognised by the Malaysian Financial Planning Council and have practical experience in Malaysian estate and savings law.
No Conflicts of Interest
We have no commercial relationships with fund houses, insurance providers, or will-writing agencies. Our educational content reflects what serves participants, not what generates referral income.
Clear Pricing
Programme Fees — No Hidden Tiers
Each fee is all-inclusive. The materials, worksheets, facilitator time, and follow-up consultations (where applicable) are all within the stated price.
Programme 01
Wills & Wasiyyah
Awareness Session
- 2 facilitated sessions
- Pre-drafting estate checklist
- Wasiyyah and Faraid overview
- Follow-up Q&A access
Programme 02
Amanah Saham
Navigator Course
- 3 facilitated sessions
- ASNB allocation planning worksheet
- Full ASNB product range covered
- Contribution strategy guidance
Programme 03
Life-Stage Financial
Overhaul Programme
- 6 intensive sessions
- 3 follow-up consultations
- Personalised written action plan
- Full financial reset coverage
Let's Talk
Not Sure Where to Begin?
We Can Help You Work That Out.
Reach out and describe where you are — approaching retirement, managing an estate, or simply wanting to understand your savings better. We will suggest a sensible next step.
Start a Conversation