— OUR PROGRAMMES
Three programmes. Each at the right point in your financial life.
Whether you are reviewing a monthly budget, working through a loan agreement, or preparing for a transition out of full-time work — there is a programme built for where you are.
← Back to HomeOUR METHODOLOGY
How each programme is structured
Every Quietus Desk programme begins with a listening session — a meeting in which we understand where you are before proposing where the conversation should go. What follows is not a fixed course delivered in sequence, but a structured engagement shaped by what you actually need to understand.
Sessions are spaced deliberately. The interval between meetings is not a scheduling convenience — it is a built-in part of how the material settles. You have time to sit with what was discussed, to identify what remains unclear, and to bring real questions to the next session rather than listening passively to a prepared lecture.
Listen first
Session one understands your current position and what you want to leave the programme knowing.
Build in sequence
Subsequent sessions move through material in an order that makes sense for your situation, not a fixed syllabus.
Close with something written
Where the programme includes a written output, you receive a document that belongs to you and can be used independently.
PROGRAMME 01
Evening Budget Conversations
A two-session programme delivered on weekday evenings for working adults whose days are spoken for. The first session is a quiet, listening conversation about current spending patterns. The second, held a fortnight later, works through a short cash-flow summary prepared between sessions. Delivered one-to-one — at the Kuala Lumpur studio or over video call.
What you will leave with
- A clear picture of your current household cash-flow
- A printed cash-flow template adapted to your situation
- The language to describe your spending patterns accurately
- A starting point for any further financial planning work you choose to pursue
Programme steps
Introductory call — short conversation to confirm suitability and schedule session one
Session one — listening conversation, reviewing your current income and outgoing pattern
Fortnight interval — educator prepares a short cash-flow summary for review
Session two — reviewing the summary together, discussing any adjustments or questions
PROGRAMME FEE
RM 560
PROGRAMME 02
Reading Loan Documents Programme
Four sessions devoted to reading the loan documents most Malaysian households already hold — home loans, car hire-purchase agreements, credit card cardmember agreements, and education financing. Sessions walk through the common structure of these documents, the language of interest calculation and fees, the obligations on both sides, and the key clauses relevant to any early settlement or restructuring consideration. No refinancing is performed.
Documents covered
- Home loan facility letters and mortgage agreements
- Car hire-purchase agreements under the Hire-Purchase Act 1967
- Credit card cardmember agreements and fee schedules
- PTPTN and other education financing agreements
Programme steps
Introductory call — confirm which documents you hold and prioritise what to cover
Sessions one and two — home loan and hire-purchase structures and key clauses
Session three — credit agreements and interest calculation methods
Session four — education financing, early settlement considerations, and summary review
PROGRAMME FEE
RM 1,780
PROGRAMME 03
Late-Stage Career Review Engagement
A three-month engagement for working adults in the later stages of their career — roughly the last ten years before planned retirement — who would benefit from a considered review of their current position. Meetings cover EPF withdrawal sequencing, PRS considerations, post-retirement income composition, medical insurance continuity, and simple estate documentation. Paced at three-week intervals and closes with a written summary the household can keep.
Topics covered
- EPF Account 1 and Account 2 withdrawal sequencing
- PRS holdings and their role in post-retirement income
- Medical insurance continuity and coverage gaps at retirement age
- Simple estate documentation — wills, hibah, and nominee arrangements
- Written summary of the household's position and planned transition
Programme steps
Introductory call — establish scope, confirm current position, schedule meetings
Meeting one — EPF and PRS holdings, withdrawal structure, sequencing options
Meeting two — post-retirement income composition, medical cover, expense review
Meeting three — estate documentation, outstanding questions, written summary review
ENGAGEMENT FEE
RM 4,150
CHOOSING A PROGRAMME
Which programme suits your situation?
The three programmes address different circumstances. Use this overview to identify the one that is most relevant to where you are now.
| BEST FOR | Budget Conversations |
Loan Documents Programme |
Late-Stage Career Review |
|---|---|---|---|
| Working adults managing a busy monthly budget | — | — | |
| Households with existing loan commitments | — | — | |
| Adults in the last decade of their working life | — | — | |
| Deliverable to keep: written output | — | ||
| Duration | ~2 weeks | ~6 weeks | 3 months |
| Fee | RM 560 | RM 1,780 | RM 4,150 |
Not certain which programme applies to you? An introductory call at no cost will help clarify this before you make any commitment.
SHARED ACROSS ALL PROGRAMMES
Standards that apply to every engagement
Personal data handled carefully
All participant information is managed under Malaysia's Personal Data Protection Act 2010. Session notes are not shared with any third party.
No commission arrangements
Quietus Desk accepts no referral fees or third-party payments. The programme fee is the only source of income from each engagement.
Written agreement before beginning
Every participant receives a programme agreement setting out scope, fee, and cancellation terms before the first session takes place.
Current materials
Content is reviewed against current BNM guidelines, EPF circulars, and Malaysian consumer finance legislation. Materials are updated when regulations change.
Flexible rescheduling
Sessions may be rescheduled with 48 hours' notice. Life does not arrange itself around fixed slots, and neither do we expect it to.
Scope clearly stated
These are educational programmes. They do not constitute licensed financial planning or investment advice. That distinction is communicated clearly from the outset.
PROGRAMME FEES
Clear, fixed pricing
BUDGET CONVERSATIONS
RM 560
Per programme · 2 sessions
- Two evening sessions
- Printed cash-flow template
- Studio or video call
MOST DETAIL
LOAN DOCUMENTS
RM 1,780
Per programme · 4 sessions
- Four sessions over ~6 weeks
- Home, auto, credit, education loans
- Your own documents reviewed
CAREER REVIEW
RM 4,150
Per engagement · 3 months
- Three meetings over 3 months
- EPF, PRS, insurance, estate
- Written household summary
BEGIN WITH A CALL
Not sure which programme applies to you?
An introductory call helps us understand your situation before you make any commitment. There is no charge for this conversation.
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