What participants say
in their own words
The experiences shared here come from Malaysians who attended Bakti Finance programmes and chose to share what the process was like for them.
Back to Home640+
Participants to date
4.8
Average satisfaction rating
94%
Would recommend us
8
Years operating in Johor
From those who have been through it
"I had always assumed I was on track for retirement because I was contributing to EPF. After the Gap Analysis sessions, I understood for the first time exactly how far off my assumptions were. Not comfortable news — but important to face at 52 rather than 62."
Mohd Hafiz
Civil servant, Johor Bahru · Mar 2025
"My husband and I attended the Foundations session together. Neither of us had ever sat down and actually calculated our net worth. The session made it straightforward. I wish we had done something like this ten years ago. Hafizuddin was patient and never made us feel behind."
Lim Tze Hui
Homemaker, Skudai · Feb 2025
"As someone who runs a small manufacturing business, I had always kept my personal and business finances loosely mixed together. The Executive programme helped me see why that was creating unnecessary complexity — and how to think about separating them properly."
Ramasamy Rajendran
Business owner, Pasir Gudang · Jan 2025
"I was initially uncertain whether the Foundations session was the right level for me. By the end of session two, I felt I had a much firmer base to build from. The written vocabulary guide has actually been something I refer back to regularly."
Nur Azlina
Teacher, Johor Bahru · Mar 2025
"What I valued most was that Rajan was completely direct with me about where my retirement trajectory stood. He did not soften things unnecessarily. The written report gave me something concrete to work with. The process took time, but it was worth it."
Chan Kim Wei
Senior manager, Iskandar Puteri · Feb 2025
"I had two properties, savings in several places, and a small business — and I genuinely did not have a single clear view of what my overall financial position looked like. After the Executive programme, I do. The bi-annual review is something I look forward to."
Zulkifli Azman
Contractor, Kulai · Jan 2025
Three participant journeys in more detail
The challenge
A 54-year-old healthcare professional came to Bakti Finance with a vague sense that her EPF savings were not enough but had never done a structured calculation to verify this. She had difficulty quantifying what "enough" even meant for her lifestyle expectations.
The approach
Through the Retirement Savings Gap Analysis programme, she mapped her full financial picture against a realistic Johor cost-of-living projection. We worked through EPF projections, her secondary savings accounts, and three investment return scenarios over a three-session arc.
The outcome
She left with a personal gap analysis report quantifying her shortfall at current trajectory and four concrete adjustment options to consider. Her own words: "The uncertainty was worse than the actual numbers. At least now I know what I'm dealing with."
The challenge
A 48-year-old business owner in Pasir Gudang had accumulated assets across a personal property, a business property, and a manufacturing company. He had never formally separated his personal and business balance sheets and had no clear succession intention.
The approach
The Executive Financial Planning Programme over seven sessions walked him through business-personal separation, tax structuring analysis under Malaysian corporate law, keyman insurance concepts, and a structured introduction to succession planning frameworks relevant to Malaysian family businesses.
The outcome
He completed the programme with a comprehensive executive financial plan and a much clearer picture of what decisions he needed to bring to his accountant and lawyer. The bi-annual review six months later confirmed he had implemented three structural changes based on his new understanding.
The challenge
A couple, both in their early 50s, attended the Foundations session together. Their financial literacy was inconsistent — one had some background in accounting, the other had avoided financial topics for most of their adult life. Neither had a shared financial vocabulary.
The approach
The Foundations sessions were structured around everyday Malaysian financial examples, building a shared vocabulary and a joint understanding of their combined net worth position. The focus on language and concepts rather than product decisions made both participants comfortable.
The outcome
Both left with the vocabulary guide and their first jointly-completed net worth worksheet. They subsequently enrolled in the Gap Analysis programme together three months later, building on the foundation they had established. The couple-rate made attendance more accessible for them.
Reach out to Bakti Finance
Mon–Fri 9am–6pm
Reply within 2 working days
25 Jalan Skudai
81300 Johor Bahru
Ready to add your own story?
Every participant started with an enquiry. If you would like to understand your financial position more clearly, that is where this begins.
Send an Enquiry