Three Programmes. One Honest Approach.
Each Jati Wealth programme addresses a distinct financial challenge faced by Malaysians after 40 — with structured sessions, practical tools, and no product recommendations to navigate around.
Back to HomeOur Approach to Financial Education
Listen and Assess
Every engagement begins with understanding your actual position — your income structure, your assets, your concerns, and your goals — before any guidance is offered.
Work Through the Detail
Using current Malaysian data — EPF figures, bank rates, tax schedules — we work through the specifics of your situation in structured sessions with clear outputs at each stage.
Leave with Something Usable
Each programme concludes with written summaries, personalised tools, and a clear sense of next steps — material you can act on independently after sessions end.
Side Income Financial Planning Session
2 Sessions · RM 700
This two-session engagement supports individuals who earn supplementary income alongside their primary employment — through freelancing, online sales, tutoring, trading, or other informal channels. Many Malaysians in this position have not formally reviewed how that income is categorised, taxed, or integrated into their broader financial picture.
The programme is non-judgmental in approach. Whether your side income is formally registered or not, whether it is small or substantial — this session works with your actual circumstances. There is no assumption about business sophistication or existing financial literacy.
What the Sessions Cover
Income tracking and categorisation
Understanding what counts as taxable income and how to document it accurately under LHDN rules.
Separating personal and business finances
Practical separation of side income flows from personal spending — regardless of formal registration status.
Incorporating extra earnings into your plan
How to fold supplementary income into savings, EPF top-ups, and retirement planning in a structured way.
Included with this programme:
- Side-income tracking template
- Written summary after each session
Property Loan Restructuring Workshop
3 Sessions · RM 1,380
This three-session workshop is designed for property owners who have been carrying the same mortgage terms for several years without a formal review. Many Malaysian homeowners continue on their original loan structure long past the point when a reassessment would benefit them — often because the refinancing process appears complex or the potential gains seem uncertain.
This workshop brings clarity to that question. Using current data from Malaysian banks, we examine your existing loan terms alongside the options available in the current market — without recommending specific lenders or receiving any referral fees.
Workshop Curriculum
Reviewing your current mortgage terms
Understanding your existing rate type, lock-in period, outstanding balance, and remaining tenure.
Fixed vs. variable rate comparison
Modelling how different rate structures affect total cost over the remaining loan period.
Total cost-of-loan evaluation
Calculating whether refinancing makes financial sense after factoring in lock-in penalties, legal fees, and rate differences.
Included with this programme:
- Refinancing evaluation calculator
- Written summary after each session
Wisdom Years Financial Planning Programme
7 Sessions + Bi-Annual Reviews for 2 Years · RM 3,420
This comprehensive programme is Jati Wealth's most substantial offering — designed for Malaysians aged 55 and above who want a thorough and carefully considered approach to the transition into retirement. It covers every major financial decision point of that transition, using Malaysian-specific frameworks throughout.
The programme is not a one-time engagement. Following the seven core sessions, clients receive bi-annual reviews for two years — so that the plan developed can be revisited as EPF regulations, healthcare costs, and personal circumstances evolve.
The Seven Session Areas
Included with this programme:
- Detailed personal transition plan document
- Bi-annual review sessions for 2 years
- Written summary after each of 7 sessions
Which Programme Is Right for You?
Not sure which programme fits your situation? This overview may help. You are also welcome to reach out and discuss before committing to anything.
| Feature | Side Income Session |
Property Loan Workshop |
Wisdom Years Programme |
|---|---|---|---|
| Number of sessions | 2 | 3 | 7 + reviews |
| Programme fee | RM 700 | RM 1,380 | RM 3,420 |
| Side income & tax guidance | |||
| Mortgage & refinancing analysis | |||
| EPF withdrawal planning | |||
| Written session summaries | |||
| Personalised tools/calculators | |||
| Bi-annual reviews included |
Best for
Side Income Session
Earners with unreviewed supplementary income
Best for
Property Workshop
Homeowners whose mortgage has not been reviewed in 3+ years
Best for
Wisdom Years Programme
Individuals aged 55+ approaching retirement transition
Consistent Standards You Can Count On
No Product Sales
We hold no distribution agreements. Sessions are never a path to product recommendations.
PDPA-Compliant Data Handling
All client data is handled under Malaysia's Personal Data Protection Act 2010. Nothing is shared externally.
English & BM Available
Sessions can be conducted in English or Bahasa Malaysia — whichever is more comfortable for you.
Flexible Scheduling
Sessions arranged at your pace. In person in Bangsar or online. Evenings and Saturday mornings available.
Clear Fees, No Surprises
Side Income Session
RM 700
2 sessions
- Income tracking & tax obligations
- Personal & side-business separation
- Side-income tracking template
- Written session summaries
Property Loan Workshop
RM 1,380
3 sessions
- Refinancing mechanics & lock-in review
- Fixed vs variable rate modelling
- Margin negotiation strategies
- Refinancing evaluation calculator
- Written session summaries
Wisdom Years Programme
RM 3,420
7 sessions + 2yr reviews
- Full retirement transition planning
- EPF, healthcare, housing, estate
- Personal transition plan document
- Bi-annual reviews for 2 years
Not Sure Which Programme Suits You?
Reach out and we will have a brief conversation to understand your situation before suggesting any next steps. There is no commitment in that conversation.
Start the Conversation