Pension matters deserve careful, unhurried attention.

We obtain and examine the available records of your employment periods under statutory retirement arrangements — EPF, KWAP, or other public schemes. We then analyse the applicable provisions and prepare a written paper setting out your entitlements as we understand them, noting any open questions and the steps you might consider next. The paper is written in plain language and is yours to keep.

The consultation itself is usually scheduled for ninety minutes, though we do not cut the conversation short if more time is needed. A written note summarising the matters discussed is sent to you within five working days. You are free to review it privately and return with further questions at any point.

An initial enquiry is the right starting point. We will ask you to share the key documents — the nomination form, the scheme's communication, and any correspondence already exchanged — and we will then explain, without obligation, what process applies and what the realistic scope of the matter appears to be.

For initial enquiries and document review, we can often proceed by correspondence and telephone. For the withdrawal consultation and for representation matters, at least one meeting in person is generally preferable. We are happy to discuss what suits your circumstances at the point of enquiry.

Whatever you have to hand is a reasonable starting point. Useful documents include your EPF or scheme statements, your employment record or payslips covering the relevant periods, and any correspondence from the scheme or employer. If some records are missing, that is a common situation and we can advise on how to retrieve them.

The fees listed are for the professional service itself. Where a matter requires filing fees, scheme administration charges, or other third-party costs, these will be identified and discussed with you before any commitment is made. We do not proceed with steps that carry additional cost without your prior knowledge and agreement.