Our Services
Three services, one steady commitment
Whether you are beginning to explore your EPF position or navigating a complex family pension arrangement, Naungan has a service designed around where you stand.
How We Approach Every Case
Methodical, documented, and unhurried
Every Naungan engagement begins with a conversation, not a questionnaire. We want to understand your situation in human terms before we reach for any document. From there, the process follows a clear sequence: review, explain, prepare, submit, follow up. Nothing is left informal, and no step proceeds without your awareness and agreement.
Our methodology is built around the particular characteristics of Malaysian pension law. EPF withdrawal matters have different documentation requirements to pension claim appeals. Household arrangements involving both KWSP and KWAP need a different lens again. We match our approach to your actual situation.
Step 1
Initial Conversation
Step 2
Document Review
Step 3
Preparation
Step 4
Submission & Follow-up
Pension Position Overview
A welcoming starting point for individuals who would like to understand where they stand before retirement. We examine EPF (KWSP) records and pension calculations, then set out a plain-language picture of your entitlements. Includes a written summary and an unhurried personal conversation. The choice of any next step rests entirely with you.
- Examination of EPF (KWSP) contribution records
- Plain-language written summary of entitlements
- One-to-one consultation with a qualified advisor
- Clarification of withdrawal options and timing
- No obligation to proceed further
Fixed Fee
RM 580
Typical Duration
2 – 3 weeks
Withdrawal & Pension Claim Support
Patient assistance for those navigating a declined or delayed pension or EPF claim. We review the matter thoroughly, prepare well-documented correspondence, and engage respectfully with the relevant body to seek a fair resolution. Each step is explained clearly and nothing proceeds without your consent.
- Thorough review of decline or delay reasons
- Preparation of supporting documentation and correspondence
- Respectful engagement with EPF or pension body
- Regular written updates throughout the process
- Clear explanation of each step before it is taken
Fixed Fee
RM 1,260
Typical Duration
4 – 10 weeks
Household Pension Protection Plan
A complete engagement for families who wish to organise entitlement review, claim support, and survivor pension documentation together. Suited to those balancing public and private retirement arrangements. Includes full case management, periodic written updates, and a consolidated dossier prepared with care for dependants and future reference.
- Entitlement review across multiple pension types
- Claim support included for household members
- Survivor pension and dependant documentation
- Full case management with named advisor
- Consolidated dossier delivered at engagement close
Fixed Fee
RM 1,930
Typical Duration
6 – 14 weeks
Choosing the Right Service
Which service fits your situation?
If you are unsure which service applies to you, an initial conversation will clarify everything — at no charge.
| Feature included | Overview RM 580 |
Claim Support RM 1,260 |
Household Plan RM 1,930 |
|---|---|---|---|
| EPF record examination | |||
| Written summary of entitlements | |||
| Personal consultation session | |||
| Correspondence with EPF / pension body | |||
| Declined claim review and support | |||
| Multiple household members covered | |||
| Survivor & dependant documentation | |||
| Consolidated dossier at close | |||
| Best for… | Individuals wanting to understand their position | Those with a declined or delayed claim | Families coordinating multiple pensions |
Across All Services
Standards that underpin every engagement
Data Security
Client documents and personal information are stored securely and handled in compliance with Malaysia's Personal Data Protection Act 2010.
Legal Compliance
All advisory work is carried out by or under the supervision of practitioners holding current Malaysian Bar practising certificates.
Written Agreements
Scope, fees, and expected timelines are confirmed in writing before any engagement begins. No work proceeds beyond the agreed scope without discussion.
Regular Case Updates
Clients receive written progress updates at defined intervals throughout their engagement. You are never left wondering what is happening with your matter.
Senior Review Before Submission
Every document submitted to EPF or a pension body is reviewed by a senior advisor before dispatch, maintaining a consistent standard of quality.
Accessible Communication
All client-facing documents and conversations are available in English or Bahasa Malaysia, with technical terms explained wherever they arise.
Transparent Pricing
Fixed fees, agreed upfront
Every engagement is priced at a fixed rate confirmed before work begins. There are no hourly charges and no additions without discussion.
Service 01
Pension Position Overview
RM 580
A clear, written picture of your EPF entitlements and an unhurried consultation to explain what it all means.
- EPF record review
- Written summary
- Personal consultation
Service 02
Withdrawal & Claim Support
RM 1,260
Patient, thorough support for declined or delayed EPF and pension claims — from review through to resolution.
- Claim review
- Correspondence prepared
- Body engagement
- Written updates
Service 03
Household Pension Protection Plan
RM 1,930
A full family engagement covering entitlement review, claim support, and survivor documentation in one package.
- Full case management
- Household coverage
- Survivor documentation
- Consolidated dossier
Not sure which service applies to you?
Reach out for an initial conversation. We will listen to your situation, help you understand your options, and suggest the most appropriate next step — with no pressure attached.