Our Services
Three ways we work with clients on pension matters
Each service is a complete engagement in its own right. You are welcome to start with whichever is most relevant to your present position, with no expectation of anything further.
← Back to HomeOur Methodology
How every engagement is structured
Each engagement at Cahaya Adil follows a consistent structure, regardless of the service selected. The structure exists to ensure clarity at every stage and to give the client a record that stands on its own once the engagement closes.
No work proceeds without the client's knowledge and written acknowledgement. Drafts are shared before they are finalised. Fees are fixed in advance. And every engagement closes with a document the client receives and keeps.
First contact and scope discussion
An initial conversation — by telephone, correspondence, or in person — to understand the matter and determine which service, if any, is appropriate. No fee at this stage.
Written scope and fee confirmation
Before any chargeable work begins, the scope and fee are confirmed in writing. The client reviews and acknowledges this before the engagement proceeds.
Engagement and draft review
The service is delivered as described. Where documents are involved, drafts are shared for the client's review and any changes are agreed before finalisation.
Written outcome delivered to client
Every engagement closes with a document the client receives and retains — a summary, a completed notarised document, or a family review report.
Quiet Morning Consultation
A first consultation arranged for the morning hours when the office is at its quietest. The conversation lasts as long as it usefully can, and is followed by a short written summary of what was discussed and what was suggested. There is no expectation of further engagement, and the summary stands on its own as a record you can return to in your own time.
- Unhurried conversation without a fixed time limit
- No agenda imposed — we follow your questions
- Written summary provided within five working days
- Summary included in consultation fee, no additional charge
- No obligation to engage further
Fixed fee
MYR 1,110
Best for: Individuals who have not yet attended to their pension or nomination documents, or who have questions about their current position and want a considered, private conversation.
Notarised Document Preparation
An engagement for the preparation of notarised documents related to retirement and pension matters, including statutory declarations, beneficiary nominations, and letters of authorisation. Each document is drafted carefully, shared with you in clean form, and finalised only after your written approval. The notarisation appointment is arranged at your convenience and conducted unhurriedly to allow for any questions you may wish to raise.
- Statutory declarations for EPF and pension matters
- Beneficiary nomination forms, legally reviewed
- Letters of authorisation for pension administration
- Draft reviewed and approved by you before finalisation
- Notarisation appointment included in fee, at your convenience
Fixed fee
MYR 2,980
Best for: Individuals who know what documents they need prepared or who have been advised to put their pension nominations or declarations in order and want a careful, professional service.
Programme for Family Pension Reviews
A long-form programme for families undertaking a considered review of pension and retirement arrangements across multiple members. The programme begins with a private session attended by the parties who wish to be involved, followed by individual reviews and a written family report summarising the present position. The report is then discussed at a closing session, with notes for any follow-up steps that family members may choose to take.
- Opening session with consenting family members
- Individual reviews for each participating member
- Written family report covering all positions
- Closing discussion session with notes for follow-up
- All sessions and written report included in programme fee
Fixed fee
MYR 6,580
Best for: Families where two or more members have pension or retirement arrangements that have not been reviewed together, particularly where retirement is approaching or family circumstances have recently changed.
Decision Guide
Choosing the right service
If you are not certain which service is appropriate, this comparison may help. You are also welcome to contact us to discuss your situation before making any decision.
| Consultation MYR 1,110 |
Document Prep MYR 2,980 |
Family Review MYR 6,580 |
|
|---|---|---|---|
| Suitable for a first engagement | If documents needed | If family scope | |
| Involves legal document preparation | Summary only | ||
| Includes notarisation | Where required | ||
| Covers multiple household members | |||
| Written report produced | Written summary | Completed documents | |
| Typical duration | 1–2 hours + 5 days for summary | 2–4 weeks | 4–8 weeks |
Across All Services
Standards that apply to every engagement
Client confidentiality
All information shared is held under professional confidentiality. Physical files are stored securely; digital records are encrypted and access-controlled.
Malaysian Bar compliance
All practitioners hold active practising certificates and comply with the professional conduct rules of the Malaysian Bar.
No hidden costs
Fees are fixed and confirmed before work begins. Any scope change is discussed and agreed in writing before it affects the fee.
Your approval before finalisation
No document is finalised or executed without the client's written review and approval. Changes can be requested at any draft stage.
Consistent practitioner
The practitioner assigned to your matter handles it throughout. You correspond with the same person from first contact to final delivery.
Current knowledge of EPF law
Practitioners undertake annual reviews of EPF regulations and pension legislation to ensure advice reflects the current legal position in Malaysia.
Transparent Pricing
What each service costs
All fees are fixed. There are no additional charges beyond what is listed for each service, and no costs are incurred without your prior written agreement.
Consultation
MYR 1,110
per engagement
- Morning consultation session
- Written summary included
- No time limit on conversation
- No obligation to continue
Document Preparation
MYR 2,980
per engagement
- Statutory declaration or nomination drafting
- Draft reviewed and approved by you
- Notarisation appointment included
- Completed documents provided
Family Review Programme
MYR 6,580
per family engagement
- Opening and individual sessions
- Written family report
- Closing discussion session
- Notes for follow-up steps included
Not sure which service applies
Write to us before deciding
If you are not certain which service matches your situation, we are glad to have a brief exchange — by email or telephone — before any fee is involved. There is no obligation attached to asking.
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