Educational Programs
Financial Education Programs for Practical Skill Development
Three structured programs designed to build specific financial capabilities through hands-on learning and personalized guidance.
Return to HomepageOur Educational Approach
Each program at lleedgerrowes follows a methodical structure designed to build capability through deliberate practice and clear explanation. We begin with foundational concepts, progress through practical applications, and conclude with personalized guidance for implementing what you have learned in your own financial life.
Our small group format allows for detailed discussion of individual circumstances while maintaining the efficiency of shared learning. Participants benefit from hearing questions and examples from others while receiving attention to their own specific situations. This balance creates an environment where learning is both focused and collaborative.
Programs include comprehensive materials—worksheets, templates, checklists, and reference guides—designed for continued use after the program concludes. You leave with not only knowledge but also the tools to apply that knowledge consistently over time.
Program Details
Financial Record-Keeping Workshop
A methodical, skills-based workshop that teaches participants how to organize and maintain their personal financial records with consistency and clarity. Covers filing systems, retention timelines, and digital organization across three sessions over two weeks.
What You Will Learn
- Setting up a filing system for bank statements, tax documents, insurance policies, and investment records
- Digital versus physical record management strategies
- Retention timelines for Malaysian regulatory purposes
- Creating a personal financial document inventory
Program Format
Duration
3 sessions over 2 weeks
Session Length
90 minutes each
Group Size
Maximum 8 participants
Materials
Starter kit included
Investment
RM 1,300
Best for individuals wanting to
bring order to their financial paperwork
Mortgage Literacy Program
A careful, detail-oriented program that walks participants through every stage of the Malaysian mortgage process—from understanding eligibility and affordability to selecting a loan structure and managing long-term repayment. Delivered over five sessions across four weeks.
What You Will Learn
- Comparing conventional and Islamic home financing structures
- Understanding base rate and spread calculations
- Evaluating lock-in periods and penalties
- Reading loan offer letters critically and planning for refinancing decisions
Program Format
Duration
5 sessions over 4 weeks
Session Length
2 hours each
Group Size
Maximum 10 participants
Materials
Comparison toolkit included
Investment
RM 4,500
Best for prospective homebuyers and
current homeowners considering refinancing
Retirement Income Stream Design
A forward-focused, scenario-driven program that helps participants plan how they will generate income during retirement years when employment income ceases. Covers EPF drawdown strategies, annuity evaluation, and income structuring across seven weeks of sessions.
What You Will Learn
- EPF drawdown strategies and bridging strategies for the gap between retirement age and EPF withdrawal eligibility
- Annuity product evaluation and dividend portfolio construction
- Rental income structuring and part-time work considerations
- Individual consultations to model projected income streams
Program Format
Duration
7 weekly sessions
Session Length
2 hours each
Group Size
Maximum 8 participants
Materials
Blueprint & projection model
Investment
RM 8,100
Best for individuals within 10-20 years
of retirement who want to plan deliberately
Program Comparison
| Feature | Record-Keeping Workshop | Mortgage Literacy Program | Retirement Income Design |
|---|---|---|---|
| Duration | 2 weeks | 4 weeks | 7 weeks |
| Number of Sessions | 3 | 5 | 7 |
| Session Length | 90 minutes | 2 hours | 2 hours |
| Individual Consultations | — | — | |
| Hands-On Exercises | |||
| Practical Tools Included | |||
| Personalized Materials | Templates | Comparison toolkit | Custom blueprint |
| Investment | RM 1,300 | RM 4,500 | RM 8,100 |
Not sure which program is right for you? We are happy to discuss your situation and help you decide.
Shared Standards Across All Programs
Current Malaysian Context
All programs address the specific financial landscape of Malaysia, including EPF regulations, local lending practices, tax requirements, and regional considerations.
Confidentiality and Privacy
We treat all participant information with strict confidentiality. Financial discussions remain private, and we maintain secure handling of any documents shared during sessions.
Updated Curriculum
Program content is regularly reviewed and updated to reflect changes in regulations, best practices, and financial products available in the Malaysian market.
Follow-Up Support
Participants receive follow-up support during the program period for questions about applying what they have learned. We are available to clarify concepts and provide additional guidance as needed.
Ready to Begin Your Financial Education Journey?
Each program is designed to build specific financial capabilities through structured learning and practical application. If you would like to discuss which program might best serve your current needs, or if you have questions about our approach, please reach out.