Our programmes
Three programmes,
one measured pace
Each programme addresses a different starting point — from a first attempt at saving to a careful household reading of where things stand. All share the same unhurried approach.
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Our approach to all programmes
Every Beacon Finch programme follows a similar underlying structure: an initial meeting to understand the participant's or household's current position, a series of meetings spaced with deliberate intervals for absorption, and a closing conversation that looks at what has changed and what remains open. The exact format varies by programme, but the rhythm — slow, considered, revisited — is consistent across all three.
We do not use standardised slide decks or follow a fixed script. Sessions are responsive to what participants bring into the room. If a participant arrives at the third session of the literacy programme with a question about a letter they received from their EPF, that question takes priority over the planned agenda for that evening. This flexibility requires experienced educators; it is one reason why both lead educators maintain active practice rather than moving into administration.
Listen first
Build in layers
Allow time
Leave a record
Programme 01
Small Savings Light
Two sessions · One-to-one · RM 440
For adults who have tried and abandoned saving habits before, or who have never started because the right entry point was not clear. The programme does not begin with spreadsheets or targets. It begins with a conversation about what a small monthly amount means in the context of your actual daily life, and what would make it sustainable rather than uncomfortable.
The second session, held after the first month, asks only how it sat with you. Was the amount right? Did anything get in the way? We adjust from there. The goal is not a dramatic change; it is one small practice that holds.
What it includes
- Initial session: choosing a sustainable saving amount
- Review session after first month
- Quiet adjustment if the amount needs changing
- Delivered at Keramat studio or by video
How it works
- 1You contact us and we arrange an initial meeting time
- 2First session covers your daily spending and identifies a gentle starting amount
- 3You try it for one month in your own life
- 4Second session reviews how it went and adjusts quietly if needed
Programme 02
Adult Learner's Financial Literacy
Six weeks · Small group (max 8) · RM 1,580
A structured six-week introduction to financial fundamentals for adults who did not receive this education earlier in life — or who received it but found it did not stick. Weekly two-hour evening meetings at the Keramat studio work through the core topics in a logical sequence, each session building on the previous one.
Groups are capped at eight participants so that questions are welcomed rather than managed. The tone throughout is non-judgemental; there is no expectation that participants arrive knowing anything.
Topics covered across six weeks
- Reading and understanding your pay slip
- Household cash flow — where money comes from and where it goes
- Saving and the meaning of compound growth
- Introduction to EPF Akaun 1 and Akaun 2, and PRS
- Personal insurance — what it covers and what to watch for
- A calm framework for reading financial news
Programme 03
Household Reading Engagement
Three months · Household · RM 3,650
Structured as a series of reading sessions rather than a delivered plan, this engagement works with a household's actual financial documents — pay slips, bank statements, EPF statements, insurance policies — and moves through them carefully together. It is designed for households who prefer to understand their situation fully before making any changes.
Sessions are held at three-week intervals to allow each meeting to settle before the next. The engagement closes with a short written summary — a document that stays with the household and can be revisited whenever useful.
Engagement structure
- 1Listening session — we hear your situation without documents, just conversation
- 2First working session — reading current documents and position together
- 3Second working session — reviewing what the documents reveal and what to do
- 4Closing reading session — receiving and reviewing the written summary
- Four sessions over three months
- All household documents handled confidentially
- Written summary included in programme fee
Choose your fit
Which programme is right for you?
Use this table to understand where each programme sits. If you are unsure, write to us — it is genuinely easy to find the right starting point with a brief conversation.
| Feature | Small Savings Light |
Adult Learner's Literacy |
Household Engagement |
|---|---|---|---|
| Format | One-to-one | Small group | Household |
| Duration | 2 sessions | 6 weeks | 3 months |
| Price | RM 440 | RM 1,580 | RM 3,650 |
| Works with personal documents | |||
| Video delivery available | |||
| Written summary provided | |||
| Best for | First savers | Literacy gaps | Full review |
Across all programmes
Standards common to every engagement
Full confidentiality
No information shared in any session is passed to any third party. Participant and household records are stored securely and PDPA-compliant.
No product sales
Sessions contain no promotion of financial products. Educators hold no referral arrangements with banks, insurers or fund managers.
CFP-led delivery
All programmes are led by CFP-certified practitioners, ensuring accuracy in financial content and responsible handling of personal financial discussions.
Annual curriculum review
Materials are reviewed each year against current EPF guidelines, BNM regulations, and updates to Malaysian personal finance law.
Follow-up accessible
Participants can write to us with questions that arise after a programme ends. We do not charge for a brief clarifying reply.
Ringgit context only
All examples, calculations and references use Malaysian currency and Malaysian financial instruments. There is no need to translate from overseas examples.
Programme fees
Straightforward pricing
All fees stated in full. No hidden additions, no continuation packages marketed at the end of a programme.
Small Savings Light
RM 440
Two sessions, one-to-one
- Initial session included
- Review session after one month
- Studio or video delivery
Adult Learner's Literacy
RM 1,580
Six weeks, small group
- 6 weekly two-hour sessions
- All reading materials included
- Group capped at eight
Household Engagement
RM 3,650
Three months, household
- Four sessions over three months
- Written summary document
- Full document review included
Not sure where to start?
We are glad to help you decide
Write a line or call us. Tell us a little about your situation and we will offer a straightforward view of which programme — if any — would be a sensible beginning.
Book a conversation