Our Programmes
Three studies, one workshop.
Each programme addresses a distinct stage of personal financial understanding. They may be taken individually or in sequence — the choice depends on where you are and what you want to build.
← Back to HomeOur methodology
How the work is done
All three programmes follow the same approach: concepts are introduced in a deliberate sequence, with earlier material establishing the vocabulary and frameworks needed for what follows. Recorded sessions allow study at a pace that suits the participant. Written materials — workbooks, glossaries, case study readings — are designed for repeated use, not single consultation.
Where concepts benefit from discussion, optional facilitated sessions are available. These are not compulsory, but participants who attend them consistently report greater retention and clearer application of the material.
Recorded sessions
Workshop workbooks
Optional discussion
Malaysian context
Programme I
Dovetails: Building Budget Joints
MYR 440 · approx. 4–6 weeks
An introductory programme examining household budgeting as dovetail joinery — where income, expenses, and reserves are cut to fit each other with precision. Participants learn to measure their financial components carefully and fit them together without forcing. The metaphor is not decorative: the dovetail joint is specifically used because it cannot be pulled apart once fitted correctly, which is the quality we are aiming for in a budget.
Key topics covered
- Income mapping and categorisation
- Fixed, variable, and discretionary expense analysis
- Reserve building and emergency fund concepts
- Debt management principles
- Budgeting under Malaysian cost-of-living conditions
What the programme includes
- Workshop-style workbook with practical exercises
- Recorded video sessions covering all topics
- Reference glossary of budgeting terminology
- Optional facilitated discussion session
Programme Fee
MYR 440
All materials included
Programme II
Mortise & Tenon: Investment Construction
MYR 2,060 · approx. 8–10 weeks
An educational programme examining investment concepts as structural joinery — how different elements support each other in a considered portfolio. The mortise and tenon is one of the oldest structural joints; it works because each part is shaped precisely for the other. Investment components — equities, bonds, unit trusts, cash — work the same way when understood in relation to each other rather than in isolation.
Key topics covered
- Equities — types, characteristics, Bursa Malaysia basics
- Bonds and fixed-income instruments
- Unit trusts — structure, fees, selection criteria
- Shariah-compliant instruments in Malaysian context
- Portfolio concepts — diversification, risk descriptors
- Reading a fund prospectus and annual report
What the programme includes
- Annotated case study readings
- Recorded sessions on all covered instruments
- Reference glossary with Malaysian market terminology
- Optional workshop-style discussion sessions
Programme Fee
MYR 2,060
All materials included
Programme III
The Cabinet: Lifetime Planning Studies
MYR 3,720 · approx. 12–16 weeks
An extended programme on retirement and legacy planning, presented as the construction of a cabinet that will hold one's resources across decades. A cabinet is the most demanding piece of joinery — it must hold together through changes in temperature, humidity, and use. So too with retirement planning: it must account for circumstances that cannot be fully anticipated. This programme builds the knowledge to approach that construction thoughtfully.
Key topics covered
- EPF — contribution structure, Account 1 and 2, withdrawal conditions
- Private Retirement Schemes (PRS) — structure and tax relief
- Healthcare planning — insurance concepts and gaps
- Estate planning basics — wills, hibah, amanah in Malaysian context
- Retirement income estimation and gap analysis
What the programme includes
- Planning portfolio and personal worksheets
- Recorded sessions across all topic areas
- Curated reference library on EPF, PRS, estate matters
- Optional individual facilitator sessions (2 included)
Programme Fee
MYR 3,720
All materials included
Comparison
Choosing the right programme
Each programme serves a different purpose. The table below may help you decide where to begin.
| Feature | Dovetails | Mortise & Tenon | The Cabinet |
|---|---|---|---|
| Focus area | Budgeting | Investments | Retirement & Legacy |
| Duration | 4–6 weeks | 8–10 weeks | 12–16 weeks |
| Price (MYR) | 440 | 2,060 | 3,720 |
| Workbook included | |||
| Case study readings | — | ||
| EPF and PRS coverage | — | — | |
| Individual facilitator sessions | — | — | 2 included |
| Best for | Starting out | Building portfolio knowledge | Planning the long term |
Our standards
What holds across all three programmes
Education, not advice
No programme makes product recommendations or directs participants toward specific financial decisions. The boundary between education and advice is maintained consistently.
Annual curriculum review
Content is reviewed and updated every year. Malaysian regulatory changes, new instruments, and participant feedback all feed into revisions.
Participant data privacy
Enrolment information is used for programme administration only. No participant data is shared or used for marketing without consent.
Not sure which to start with?
Send us a message describing where you are with financial matters right now. We will suggest a place to begin.
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