Our Services
Three Services, One Consistent Approach
Whether you need a clear picture of your entitlements, help preparing an appeal, or guidance on your workplace scheme — each service is delivered with the same careful attention.
Back to HomeHow We Work
Every matter at Setia Guard begins the same way: we listen. Before anything else, we take the time to understand your specific situation — what you have been told, what documents you hold, and what outcome you are hoping for.
From there, we apply the relevant legislation and case law to your circumstances. We do not rely on templates or standard responses. A retirement advisory for one client may involve a straightforward EPF summary; for another, it requires untangling overlapping employer and statutory obligations built up over thirty years of employment. We approach each matter individually.
Throughout the work, we maintain open communication. You are not left wondering where things stand. When we complete a matter, you receive a written advice note — a plain-language summary of what was found, what was done, and what your options are.
Initial enquiry
Contact us; we discuss your situation briefly at no charge
Consultation
Scheduled meeting — in person or by telephone — at your pace
Written summary
Advice note provided after the consultation for your records
Service 01
Retirement Benefit Advisory
A warm, patient walkthrough of how your retirement entitlements fit together, with options set out clearly. We answer your questions at an easy pace and leave the choices fully with you.
- Review of EPF savings and withdrawal options
- Assessment of gratuity and pension entitlements
- Explanation of voluntary and mandatory retirement provisions
- Written summary of all options discussed
- Follow-up session included if clarification needed
What the Process Involves
You share your employment history and any documents you hold
We review the applicable EPF and pension provisions
Consultation held at your pace with full opportunity for questions
Written advice note sent to you after the meeting
Service 02
Pension Appeal Preparation
Careful help preparing an appeal when a decision feels wrong — including documents and submissions, with a frank picture of likely outcomes. We keep communication open and never rush you.
- Review of original decision and grounds for challenge
- Identification and gathering of supporting documents
- Drafting of formal appeal letter and submissions
- Honest assessment of appeal prospects before work begins
- Open communication throughout the preparation period
What the Process Involves
You share the original decision letter and supporting paperwork
We assess the grounds and communicate our view on prospects
Appeal letter and submissions drafted, reviewed with you
Final documents prepared and filed, timeline explained
Service 03
Employer Scheme Consultation
A considerate review of how your workplace retirement scheme applies to you, clarifying eligibility and entitlements. We explain it plainly and give you space to reflect.
- Analysis of scheme rules against your employment terms
- Comparison with statutory minimum EPF contribution requirements
- Identification of any eligibility or benefit gaps
- Written advice note provided following consultation
- Space to ask questions at any point during and after the session
What the Process Involves
You provide scheme documentation and employment contract details
We review the scheme rules against statutory requirements
Consultation held, entitlements explained in plain language
Written advice note with findings and recommended next steps
Which Service Fits Your Situation?
If you are unsure, contact us — we will help you identify the right starting point at no charge.
| Feature | Retirement Advisory | Appeal Preparation | Scheme Consultation |
|---|---|---|---|
| Best for | Approaching retirement or reviewing entitlements | Disputing an existing pension decision | Understanding your employer scheme terms |
| Written advice note | |||
| Document drafting | |||
| EPF entitlement review | |||
| Employer scheme analysis | |||
| Fixed fee (RM) | 570 | 1,080 | 1,330 |
Standards Upheld Across Every Service
Client Confidentiality
All matters handled under legal professional privilege, in compliance with Bar Council obligations.
Regulated Practice
All advice is provided by practitioners registered with the Malaysian Bar under the Legal Profession Act 1976.
Written Records
Written advice notes are provided after every substantive consultation, without exception.
Individual Case Review
Every matter is assessed individually against current law — no template answers or generalised responses.
Open Client Access
Clients may contact us with follow-up questions during and after their matter without additional charges applying.
Current Legislative Knowledge
We monitor Malaysian pension and employment law changes to ensure advice remains accurate and up to date.
Clear, Fixed Fees
No hourly billing, no surprises. The price you see is the price you pay.
Retirement Benefit Advisory
RM 570
Per consultation, inclusive of written advice note and one follow-up session.
Enquire NowPension Appeal Preparation
RM 1,080
Per matter, including review, drafting, and submissions preparation.
Enquire NowEmployer Scheme Consultation
RM 1,330
Per consultation, including full scheme review and written advice note.
Enquire NowNot Sure Where to Start?
Get in touch and describe your situation briefly. We will listen carefully and suggest the most appropriate service — with no pressure and no charge for that initial conversation.
Get in Touch