Client Experiences
What Our Clients Have Said
We are grateful for the candid feedback we have received over the years. These words come from real clients who trusted us with their pension matters.
Back to Home16+
Years in Practice
1,400+
Clients Assisted
4.8/5
Average Client Rating
88%
Appeal Success Rate
What Clients Say
In Their Own Words
Ahmad Harun
Petaling Jaya, Selangor
I came to Setia Murni after EPF declined my withdrawal for medical expenses. My son had been trying to sort it out for months without success. Within two weeks of engaging them, we had a proper appeal submitted and a much clearer picture of where things stood. It took about ten weeks in total, but the matter was resolved. Razif kept us updated throughout — something we genuinely appreciated.
May 2025
Siti Wahidah
Cheras, Kuala Lumpur
I used the Gentle Pension Review after retiring from the civil service. I honestly did not fully understand my entitlements, and the written summary they prepared made everything clear — my EPF balance, my government pension entitlement, and what my husband would receive if something happened to me. The consultation was relaxed and the adviser did not rush me. I came away feeling much more settled about retirement.
April 2025
Lim Kwang Seng
Subang Jaya, Selangor
My father passed away last year and left behind an EPF account and a government pension with no clear nominee for one of them. The family was confused about what to do. Norzahra at Setia Murni handled everything — the paperwork, the correspondence, the timeline. It took a few months but we now have a consolidated dossier and all claims have been processed correctly. The Family Stewardship service was exactly what we needed.
May 2025
Rohani Mahmud
Shah Alam, Selangor
What I liked most was that no one tried to talk me into anything. When I first called, I was not sure if I had a real case. They were straightforward — some situations are strong, some are more difficult. Mine was borderline. They told me that honestly before I committed to anything. That kind of candour is rare and I respected it. We did proceed, and the appeal was eventually successful.
April 2025
Tan Hui Ling
Damansara, Kuala Lumpur
I found the fee reasonable given the work involved. The Claim and Appeal Care service is not cheap, but when I compared it to the amount at stake in my EPF account, it was clearly worthwhile. The team was thorough — they found a document issue I had not even realised existed. Response time could occasionally be a day longer than I hoped, but the quality of the work made up for that.
May 2025
Zainudin Azmi
Klang, Selangor
Chun Wei sorted out our case documents with incredible care. When we arrived the first time, we had a bag of loose papers going back years. By the time the engagement closed, everything was organised, labelled, and in a folder we can actually use. My wife and I are both retired civil servants and having our pension records properly ordered has given us genuine peace of mind.
May 2025
Case Studies
A Closer Look at Three Engagements
Case Study 01 — Claim & Appeal Care
EPF Housing Withdrawal Declined After 20 Years of Contributions
The Challenge
A 58-year-old client in Seremban had his EPF housing withdrawal declined without a clear written reason. He had been contributing for over two decades and had no prior experience with the appeal process.
Our Approach
We requested the EPF decision notice, reviewed the eligibility criteria against the client's specific property documents, identified a discrepancy in the submission, and prepared a formal appeal with a corrected supporting dossier.
The Outcome
The appeal was accepted within eleven weeks. The full withdrawal amount was approved. The client described the outcome as "a relief I had stopped expecting." Duration: 12 weeks from engagement.
"I had almost given up. They took the matter seriously when I had already stopped believing it could be fixed."
Case Study 02 — Family Pension Stewardship
Managing Three Pension Schemes After a Retiree's Passing
The Challenge
An adult daughter in Petaling Jaya was left to manage her late father's EPF account, a civil service pension, and a private employer scheme. Each had different nominees and different documentation requirements.
Our Approach
We coordinated all three schemes simultaneously, identified which nominees were current and which had lapsed, corresponded with EPF, the Pension Division, and the employer's HR department, and prepared a consolidated dossier for the family.
The Outcome
All three claims were processed correctly within 18 weeks. The family received a single organised record covering every scheme, which they described as "unexpectedly useful" for their own estate planning. Duration: 18 weeks.
"It was a time of grief and confusion. Having someone handle the paperwork calmly made a real difference to the whole family."
Case Study 03 — Gentle Pension Review
A First-Time Retiree Who Simply Wanted to Understand
The Challenge
A 60-year-old teacher retiring from the public sector had never looked at her pension statement in detail. She wanted to understand what she would receive monthly, what happened to her EPF balance, and whether her husband was correctly nominated.
Our Approach
We conducted a full review of her EPF statement and public service pension entitlement, confirmed nominee details, and prepared a six-page written summary in Bahasa Malaysia at her request, followed by an hour-long conversation to go through it.
The Outcome
No claims were needed — the review confirmed her records were in order. She left with a clear written summary and updated nominee documentation. She described the experience as "the most useful appointment I've had in years." Duration: 2.5 weeks.
"I had assumed it would be complicated. The written summary made everything so clear that I shared a copy with my husband and my children."
Reach Us
How to Get in Touch
Phone
+60 3-8074 6231Address
Level 9, Menara MBMR,
Jalan Syed Putra, 58000 KL
Hours
Mon–Fri 9am–5:30pm
Sat 9am–1pm
Credentials
Professional Standing
Malaysian Bar — Active Member
All advisors hold current practising certificates and meet annual Bar CPD requirements without exception.
PDPA Registered
Registered data user organisation under the Personal Data Protection Act 2010. Client data is handled and stored with full compliance.
Retirees Malaysia Network
Listed as a recommended advisory practice by the Retirees Malaysia Network since May 2023 — based on client feedback and professional standing.
Would You Like to Be Our Next Success Story?
Every engagement starts with a simple conversation. Tell us about your situation — we will listen carefully and suggest the most sensible path forward.
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