Client Experiences
What our clients have shared with us
These accounts come from people who came to Naungan with real questions about their retirement. We are grateful they chose to put their experience into words.
What Clients Say
Heard directly from those we have worked with
Zainudin Abd Rashid
Petaling Jaya, Selangor
I had been putting off looking at my EPF for years — kept telling myself I would get to it. When I finally came to Naungan, I was expecting it to be complicated and stressful. It was neither. The advisor walked through my statement with me at a sensible pace and prepared a written summary I actually understood. No pressure at any point. I left feeling much better informed than when I arrived.
May 2025 · Pension Position Overview
Lim Mei Shan
Subang Jaya, Selangor
My EPF withdrawal application was declined and I genuinely did not know where to begin. A colleague mentioned Naungan and I reached out, half expecting a lot of legal jargon and forms I would not understand. The experience was the opposite — calm, organised, and they explained every letter they sent. The matter was eventually resolved, and I felt supported throughout. It took longer than I hoped, but the team was honest about that from the start.
April 2025 · Withdrawal & Claim Support
Rajeswari Nair
Klang, Selangor
My husband is a civil servant and I have my own EPF savings, and we had never sat down properly to understand how the two worked together. The Household Plan gave us exactly the kind of organised overview we needed. The dossier at the end was genuinely useful — clear, readable, and something we have referred back to since.
May 2025 · Household Pension Protection Plan
Hairul Azlan
Shah Alam, Selangor
I came to Naungan following my father's passing to understand what pension entitlements my mother might have as a survivor. The team was patient and respectful throughout a difficult time, and the documentation they prepared has helped us avoid a lot of confusion since. I would not hesitate to recommend them to any family navigating the same situation.
April 2025 · Household Pension Protection Plan
Chan Yoke Lin
Cheras, Kuala Lumpur
I was approaching early retirement and felt uneasy not fully understanding what I had accumulated in EPF. The overview service gave me a clear picture — the written summary they prepared was easy to read and the advisor answered every question I had without making me feel rushed. One small note: do bring all your documents along from the start as it saves time in the review.
May 2025 · Pension Position Overview
Siti Khadijah
Ampang, Kuala Lumpur
My withdrawal claim had been delayed for over six months. I had tried to follow up myself but kept hitting a wall. Naungan took over the correspondence and within about seven weeks the matter was moving again. What I valued most was that they kept me informed — a short written update every couple of weeks so I was never left guessing.
April 2025 · Withdrawal & Claim Support
Case Studies
A closer look at three client journeys
Names and identifying details have been changed at clients' request. The circumstances described are real.
Case Study 01 — Pension Position Overview
The Situation
A retired schoolteacher in her early sixties had never checked her EPF balance in detail and was uncertain whether she had contributed correctly during periods of part-time work. She came in simply wanting to understand her position.
Our Approach
We requested and examined her full EPF contribution history, identified two periods where contributions appeared incomplete, and prepared a plain-language summary with her total entitlement and the options available. Duration: 16 days.
Outcome
She left with a written summary, a clear understanding of her withdrawal options, and the confidence to make an informed decision. She later returned to engage the Withdrawal service for one of the incomplete contribution periods.
"I had put this off for so long out of worry. It turned out to be much simpler than I feared — and now I know exactly where I stand."
Case Study 02 — Withdrawal & Claim Support
The Situation
A 58-year-old factory supervisor had submitted a partial EPF withdrawal application for medical purposes. The application was declined without a full explanation. Multiple follow-up calls had produced no resolution.
Our Approach
We reviewed the decline notice and identified that supporting documentation had been insufficient. We prepared a complete set of correspondence with the correct documentation and submitted formally on his behalf. Duration: 8 weeks.
Outcome
The application was subsequently approved. The client received written updates throughout the process and described feeling "looked after" during what had been a stressful few months.
"After months of going nowhere on my own, Naungan sorted it in two months. I wish I had come sooner."
Case Study 03 — Household Pension Protection Plan
The Situation
A couple in their late fifties — one a government officer with KWAP pension entitlements, the other a private sector employee with EPF savings — wanted to understand their combined retirement picture and ensure their adult children could navigate things if needed.
Our Approach
Over 11 weeks, we conducted full entitlement reviews for both parties, prepared survivor benefit documentation, and organised all materials into a consolidated household dossier with clear section headings and an explanatory cover.
Outcome
Both individuals left with a clear understanding of their respective entitlements, and the family has a well-organised reference document that covers both pension arrangements. They reported feeling significantly more at ease about their retirement planning.
"We had never looked at both pensions together before. Having everything in one clear file has made a real difference to how we think about the years ahead."
Our Record
A measure of the work we have done
400+
Clients assisted
8
Years in practice
92%
Claim resolution rate
4.9
Average satisfaction
Reach us directly
Phone
+60 12-376 4825Address
Level 6, Menara KEN TTDI
Jalan Burhanuddin Helmi
60000 Kuala Lumpur
Office Hours
Mon – Fri: 9:00 am – 5:30 pm
Sat: 9:00 am – 1:00 pm
Would you like to add your experience here one day?
Every account above started with a simple enquiry. Reach out and let us know what you need — we will listen carefully and suggest the most appropriate way we can assist.