Our Programmes

Three programmes for three distinct chapters of financial life

Each Morpho Studio programme is designed for a specific moment — not as a general introduction to personal finance, but as a focused engagement with the questions that actually arise at that stage.

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§ 01 — Our Approach

How our programmes are designed

Each programme runs across multiple sessions rather than a single meeting. This is deliberate: financial understanding deepens when people have time to apply what they have learned between sessions and return with the follow-up questions that arise from doing so.

Our facilitators use real documents where possible — actual payslips, EPF statements, account summaries — rather than abstract worked examples. Participants come away understanding their own specific situation, not a generic version of it.

All content is built around Malaysian financial structures: EPF accounts, LHDN tax reliefs, licensed unit trusts, local account types, and the DuitNow payment ecosystem. We do not use international frameworks that require translation or adaptation to the local context.

Sessions are kept small — four to six participants for the First Paycheck Programme, one couple or one household for the other two. This is not a cost constraint; it is how the programmes work best.

§ 02 — Programme I

First Paycheck Programme

A three-session programme for young adults who have recently started earning — covering the practical realities of Malaysian working life that most people figure out slowly and imperfectly on their own. The content is delivered at an unhurried pace in a small-group format and concludes with a printed workbook and a month-by-month checklist for the first year.

What is covered

How the Malaysian EPF system works from a contributor's perspective
Income tax calculation and LHDN filing for first-time filers
Current vs savings accounts — which to use and how
Opening a first unit trust investment account
Setting up a modest automated saving habit

How it runs

Session one: EPF and payslip literacy — understanding your deductions and contributions from the first month

Session two: Tax basics and bank accounts — LHDN filing, PCB, zakat, and choosing the right account structure

Session three: Beginning to invest and save — first unit trust account, automated saving setup, and year-one checklist review

RM 560 per participant

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§ 03 — Programme II

Couples' Money Conversations

A structured series of three conversations for partners who want to align on how they handle money together — whether newly cohabiting, recently married, or simply revisiting shared financial decisions after a change in circumstances. The sessions are led by a single facilitator and focus on creating genuine dialogue between both people rather than delivering a plan to one of them.

What is covered

Joint and separate account arrangements — which structure works for which couple
Transparent budgeting approaches for two incomes
Shared saving goals — how to define and track them together
Handling differences in income and spending habits with candour
Writing a short shared agreement to refer back to

How it runs

Conversation one: Mapping your current picture — incomes, accounts, habits, and what each person cares about most

Conversation two: Structures and systems — account arrangements, budgeting methods, and how to handle differences honestly

Conversation three: Looking ahead together — shared goals, savings targets, and drafting your written agreement

Conducted in person at the Petaling Jaya studio or online.

RM 1,950 per couple

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§ 04 — Programme III

Long-Horizon Planning Engagement

A four-month engagement for individuals and households thinking about the decades ahead. The engagement is paced to allow genuine reflection between sessions — clients bring questions forward as they arise rather than receiving a completed plan at the end of one meeting. It concludes with a concise written document summarising current position, considered trade-offs, and a set of small steps for the next twelve months.

What is covered

Retirement sequencing — EPF withdrawal options and timing considerations
Building a non-EPF investment base — unit trusts, bonds, cash equivalents
Insurance and legacy arrangements — what to consider and when
Gradual lifestyle adjustments that align with long-term goals
A written plan to conclude the engagement

How it runs

Month one: Current position — reviewing assets, EPF balances, existing insurance, income trajectory, and what matters most over the long term

Month two: Investment and savings landscape — options outside EPF, risk considerations, and how to assess what is appropriate

Month three: Insurance and legacy — reviewing coverage, considering needs, and understanding the decisions involved

Month four: Written plan review — presenting the summary, working through the next-twelve-months steps, and closing questions

Suited to clients who want considered reflection rather than a quick prescription. Staged payment available — ask when enquiring.

RM 3,950 per household

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§ 05 — Choosing a Programme

Which programme fits your situation?

The three programmes are designed to stand alone — you do not need to complete one before joining another. The comparison below may help you decide.

Feature	First Paycheck	Couples' Conversations	Long-Horizon
Best for	Early-career individuals in their first 1–3 years of working	Couples navigating shared finances at any stage	Individuals or households planning 10+ years ahead
Sessions	3 sessions	3 conversations	4 monthly sessions
Format	Small group (4–6)	One couple + facilitator	One household + facilitator
Written output	Workbook + year-one checklist	Shared written agreement	Full written plan
Online option	Yes	Yes	Yes
Programme fee	RM 560	RM 1,950	RM 3,950

§ 06 — Our Standards

What holds across all three programmes

Confidentiality

Personal financial details shared in sessions are not recorded, stored beyond the programme, or shared with third parties.

PDPA compliance

We handle personal data in accordance with Malaysia's Personal Data Protection Act 2010. Participants may request access or deletion at any time.

Curriculum currency

Programme content is reviewed twice yearly to reflect changes in EPF rules, LHDN regulations, and the available product landscape.

No commission model

Income comes from programme fees only. No referral arrangements exist with any financial product provider.

Follow-up access

Participants can contact us with follow-up questions for three months after completing any programme at no additional cost.

Honest scope

We are clear about what our programmes can and cannot do. When a situation calls for licensed financial advice, we say so directly.

§ 07 — Fees

Programme fees — transparent and all-inclusive

Programme I

First Paycheck

RM 560

per participant

3 sessions
Printed workbook included
Year-one checklist included
3-month follow-up access

Enquire

Programme II

Couples' Conversations

RM 1,950

per couple

3 facilitated conversations
Shared written agreement
In-person or online options
3-month follow-up access

Enquire

Programme III

Long-Horizon Planning

RM 3,950

per household

4 monthly sessions
Comprehensive written plan
Staged payment available
3-month follow-up access

Enquire

§ 08 — Next Step

Not sure which programme is the right fit?

Describe where you are and what you are trying to understand, and we will suggest the programme that fits — or tell you honestly if none of the three is what you need right now.

Send Your Enquiry