Client Experiences
What Our Clients Say
The people who come to us are rarely looking for legal complexity — they want to understand what they are owed. Here is what some of them found.
Back to Home14+
Years in pension law
480+
Clients assisted
4.8
Average client rating
Bar
Malaysian Bar registered
What Clients Have Shared
Reviews from clients who came to us with questions about their pension rights — each situation different, each treated with care.
Halimah Azmi
Retired civil servant, Melaka
"I retired in May and had been told by my former employer that part of my gratuity was not payable. I did not know if that was correct or not. Rashid sat with me for nearly two hours and went through everything. It turned out I was owed a portion that had been incorrectly withheld. The whole process was calm and I never felt rushed."
May 2025
Zulkifli Rahman
Private sector employee, Johor Bahru
"The telephone consultation worked well for me since I am in Johor. Norzahira explained the employer scheme terms clearly — some of it I had simply never understood from the paperwork alone. The written note she sent afterwards was genuinely useful. I think the fee is reasonable given the depth of the explanation."
April 2025
Siti Yusoff
Former teacher, Seremban
"My pension appeal had been on my mind for over a year. I was unsure if it was worth pursuing. Setia Guard told me honestly that one part of my claim was strong and another was uncertain. That honest assessment was exactly what I needed. They prepared the appeal documents carefully and I appreciated that nothing was hidden from me."
May 2025
Tan Chee Wai
Manufacturing manager, Melaka
"I had a retirement benefit advisory session about eight months before I was due to retire. Having that session early meant I could plan properly. The adviser walked me through my EPF options without any rush. I particularly appreciated that the follow-up session was included — I had several more questions a week later."
April 2025
Norhaini Abdullah
Public sector retiree, Melaka
"I came in not really knowing what questions to ask. The team was patient about that — they helped me frame what I was actually trying to find out. The written note at the end pulled everything together. I did feel the appointment could have been slightly more structured at the start, but the information I received was thorough and helpful."
May 2025
Kumar Pillai
Senior engineer (retired), Melaka
"My employer scheme had a clause I had misread for years — I thought I was entitled to less than I actually was. The consultation clarified this in a way that was straightforward and without jargon. The price is fixed and clear from the start, which I appreciated. No surprises at the end."
May 2025
Three Matters, Three Outcomes
Each of these situations was different. What stayed constant was the approach.
Disputed Gratuity Calculation After Early Retirement
The Situation
A client who had taken voluntary early retirement received a gratuity payment she believed was short by a significant amount. Her former employer had calculated it against a different provision than the one she understood to apply.
What We Did
We reviewed the applicable legislation alongside her employment contract and the letter of appointment. After identifying the correct provision, we prepared a formal appeal with supporting legislative citations and submitted it within three weeks.
The Outcome
The appeal was upheld. The difference in the gratuity amount was settled within two months of submission. Timeline from first consultation to resolution: approximately ten weeks.
"I had given up on the idea of pursuing this. I am very glad I did not."
Employer Scheme Terms Unclear on Redundancy
The Situation
An employee facing voluntary separation after restructuring was unsure what pension benefits he would receive from his company scheme on top of statutory entitlements. The scheme booklet was difficult to read and HR had given him inconsistent answers.
What We Did
We reviewed the full scheme documentation against his years of service and the voluntary separation terms. The consultation took two sessions by telephone. We produced a written note confirming the total entitlement figure under the scheme rules.
The Outcome
The client was able to confirm the correct figures with his employer before accepting the separation package. He described the process as giving him the confidence to negotiate rather than simply accept what was offered.
"Having the written note meant I could show my employer exactly where the figure came from."
EPF Entitlement Review Before Retirement Age
The Situation
A client approaching 55 wanted to understand all the withdrawal options available before reaching retirement age — she had heard different accounts from family members and colleagues and was uncertain what was actually permitted.
What We Did
We conducted a retirement benefit advisory session, covering Account 1 and Account 2 provisions, the full withdrawal conditions, and the relevant timing implications. We set out all available options without recommending any single course of action.
The Outcome
She left with a written summary of her options and a clearer understanding of the timeline involved. She returned six months later to confirm a follow-up question, which was answered without additional charge.
"Finally, someone explained it in a way that made sense to me."
Reach Us
Telephone
+60 6-283 7401Office
No. 9, Jalan Kota Laksamana 2/3, 75200 Melaka
Hours
Mon–Fri: 9:00am–5:30pm
Sat: 9:00am–1:00pm
Would You Like to Talk Through Your Situation?
We welcome enquiries at any stage — whether you have a specific question or simply are not sure where to begin. We will listen carefully and point you in the right direction.
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