Advisory options and fees
Detailed guidance and supporting materials
PensionLabPlan provides structured materials to support decision-making: a fact-finding checklist, standardised projection templates, and a documented assumptions sheet. These materials are designed to make discussions with product providers more transparent by clarifying cost components, payout mechanics and surrender conditions. The fact-finding checklist gathers information on revenue sources, current savings and any existing insurance coverage. Projection templates use conservative input ranges for longevity and inflation and allow side-by-side comparisons of how different instruments affect expected retirement cash flows. The assumptions sheet records the rationale for parameter choices, enabling consistent reviews over time and facilitating smoother transitions if a client changes adviser. All materials are intended for educational and planning use and to support a measured dialogue with licensed providers and regulatory guidelines applicable in Malaysia.
Supporting documents
Checklist, templates and an assumptions ledger form the core documentation set. These are shared in editable formats so clients can update inputs as personal circumstances evolve.
How we work
Engagement begins with a structured fact-finding session, followed by a modelling phase and a written summary of findings with recommended next steps. Recommendations prioritise clarity and alignment with client objectives.
Regulatory and tax notes
Advisory notes include high-level references to Malaysian regulatory and tax context that may affect retirement outcomes. For specific tax advice, clients are directed to qualified tax professionals.
Advisory pricing
Fees reflect the scope of work: one-off reviews, periodic maintenance plans, and full planning engagements. Detailed fee schedules are provided after an initial fact-finding session.
Information package
- Retirement planning checklist
- Sample projection template
- Guidance notes on product categories
- List of questions to ask providers
- Summary of Malaysian retirement considerations
Basic Advisory
- Initial consultation on retirement insurance needs
- Review of existing pension and insurance arrangements
- Illustrative retirement revenue scenarios
- High-level recommendations for product types
- Email summary of the consultation
Pro Advisory
- Comprehensive needs assessment and cashflow modelling
- Detailed comparison of suitable retirement insurance products
- Implementation checklist and coordination with providers
- Annual review template and priority action plan
- Support with documentation and provider queries