What Participants Say
Notes from people who have worked with us.
A selection of feedback from participants in our programmes, in their own words.
Back to Home180+
Programme participants
4.8/5
Average satisfaction score
3
Structured programmes
100%
Product-neutral sessions
Participant Feedback
Selected reviews.
Lim Hui Shan
Petaling Jaya · Accountant
The Annual Review Workbook was the first time I had ever written down my savings rate, my EPF balance, and my insurance coverage in the same document. It sounds simple, but I had never done it before. The second session — going through the completed workbook with the facilitator — was genuinely useful. Some of what I had written surprised me when I looked at it again.
March 2025 · Annual Review Workbook
Rajan Arumugam
Subang Jaya · Engineer
I have read a lot about compounding online and thought I understood it reasonably well. The Compound Growth programme corrected several things I had wrong — particularly around early fees and what happens when contributions are interrupted during a career break. The worked examples using actual EPF return ranges were much more grounding than anything I had seen in blog posts. I would have liked one more session, but four was substantial.
February 2025 · Compound Growth
Nora Zulkifli
Kuala Lumpur · Civil servant
My husband and I completed the Three-Year Written Plan engagement in late 2024. The printed document we received at the end is sitting on the shelf above my desk. It is not long — maybe twelve pages — but it is clear, it covers what we actually decided, and we refer back to it. The meetings were spaced well; I appreciated that we were not asked to decide things quickly. It feels like something we produced together rather than something written for us.
January 2025 · Three-Year Written Plan
Yap Chee Kiang
Klang · Teacher
The session on fee drag was the most illuminating part of the Compound Growth programme for me. I had never seen it shown through a worked example over thirty years. Nothing was pushed on us — not a single fund or platform was mentioned by name — which made it much easier to trust what was being said.
March 2025 · Compound Growth
Sharifah Izzati
Shah Alam · Marketing executive
I came to this without much structure around my finances. The workbook section covering insurance was the most useful part for me personally — I had four policies and no clear sense of what any of them covered. Going through them in the second session with a facilitator who was not trying to sell me anything made a real difference. I have since cancelled one and clarified what the others do.
February 2025 · Annual Review Workbook
David Krishnan
Damansara · Small business owner
I had spoken to two financial planners before approaching Aurelian. Both conversations quickly became about what I should buy. The Written Plan engagement was different from the first session. It was about understanding where we actually were and what we actually wanted over the next three years — nothing more than that. The printed document was a nice touch; it looks and feels like something worth keeping.
March 2025 · Three-Year Written Plan
Case Studies
Three participant journeys in detail.
I · Annual Review Workbook
A 34-year-old professional completing her first personal financial review.
Starting point
Had been contributing to EPF for nine years but had never logged into her account to check the balance. Had two insurance policies from two different agents, but could not recall what either covered. No written record of monthly income or spending patterns.
What we did
Completed the Annual Review Workbook over eight weeks. Session 1 walked through each of the eight sections and clarified what information to gather. Session 2, held six weeks later, worked through the completed workbook and noted key observations.
Outcome
Left with a completed workbook showing her savings rate (18% of net income, higher than she had estimated), a clear summary of both insurance policies, and two written intentions for the year ahead. Described the process as "the first time I felt organised about money."
II · Compound Growth
A couple in their early 40s reassessing their PRS and unit trust positions.
Starting point
Held unit trust accounts opened years ago at the recommendation of a former colleague. Neither partner had reviewed the accounts recently or understood the effect of the management fees on their long-term position. Both had taken career breaks which had interrupted their contribution history.
What we did
Attended the four Compound Growth sessions as a pair. Worked through the effect of contribution gaps and fee drag using their own rough figures as a worked example, alongside the standard session materials.
Outcome
Left with a clear understanding of how compounding had actually behaved in their accounts versus their initial assumptions. Made no product decisions during or after the programme — which was their preference. Said they felt "better equipped to ask the right questions" when they eventually did speak to an advisor.
III · Three-Year Written Plan
A household planning around an anticipated property purchase in Year 2.
Starting point
Combined household income in the upper-middle range. Had spoken to two banks about mortgages but had not yet formed a clear view of what purchasing in Year 2 would mean for their other priorities. No written plan existed.
What we did
Completed the full four-month Written Plan engagement. Early sessions mapped their current position. Later sessions worked through three scenarios for the property decision and its downstream effects on other priorities in Years 2 and 3. Written drafts were exchanged between meetings.
Outcome
Received a twelve-page typeset plan covering their household's position, the decision they had chosen about the property, and a clear set of smaller decisions for each of the three years. Described the closing meeting — reviewing the plan line by line — as "the most useful two hours we have spent thinking about our finances."
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