Our Programs
Three Programs,
Three Layers of Understanding
Each Fiscalore program addresses a specific dimension of financial knowledge — designed to be taken individually or in sequence as your learning deepens.
Back to HomeOur Methodology
How Fiscalore Programs Are Designed
Each program follows a structured sequence: introduce the concept, apply it to the Malaysian context, work through exercises, and produce a tangible output. Sessions build on each other within each program, and programs complement each other across the curriculum.
Assess
Understand where you currently stand — your financial position, your habits, your gaps.
Understand
Learn the frameworks, instruments, and behavioural patterns relevant to your situation.
Plan
Develop a coherent, personalised plan grounded in what you have learned.
Financial Health Check-Up
3 sessions · 90 min each · 2 weeks · RM 420
A concise, assessment-based program that gives you a clear and structured picture of where you currently stand financially. Using a proprietary evaluation framework, participants assess their net worth, debt-to-income ratio, savings rate, and insurance coverage adequacy.
The program is deliberately informative rather than prescriptive — you receive a clear picture and then choose your own next steps. It is designed for anyone who wants an honest starting point, whether they are 25 or 55.
What you gain:
- Personal financial health scorecard
- Net worth assessment framework
- Benchmark comparison charts
- Self-assessment workbook
- Clarity on your starting point
Process:
Data gathering and initial orientation
Assessment scoring and benchmarking
Results review and next-step discussion
Behavioural Finance Insights
5 sessions · 80 min each · 5 weeks · RM 830
This program explores the psychological dimensions of financial decision-making — the patterns that influence how people actually handle money, as opposed to how financial theory says they should. Participants learn about cognitive biases including anchoring, loss aversion, herd behaviour, and overconfidence.
The curriculum uses interactive exercises, optical illusion analogies, and real case studies from both Malaysian and global markets. It is particularly suitable for individuals who feel they understand finance intellectually but find consistent follow-through difficult.
What you gain:
- Bias identification journal
- Decision-making framework card
- Malaysian market case study set
- Personal bias profile mapping
- Practical counter-bias strategies
Topics covered:
- Anchoring and adjustment bias
- Loss aversion patterns
- Herd behaviour dynamics
- Overconfidence and planning bias
Financial Planning Intensive
10 sessions · 2 hrs each · 5 weeks · RM 3,500
A thorough, multi-week program that brings together all elements of personal financial planning into a coherent whole. Participants work through budgeting, protection planning, investment allocation, tax optimisation, retirement projections, and estate considerations in a structured sequence.
Each module builds on the previous one. By the end, participants have developed a complete, personalised financial plan — not a template, but a working document built from their own numbers and situation.
Included:
- Comprehensive planning binder
- Financial planning software access
- 2 individual consultation sessions
- Completed personal financial plan
- Post-program email support (30 days)
Modules covered:
- Budgeting and cash flow
- Protection and insurance planning
- Investment allocation
- Tax optimisation (LHDN context)
- Retirement and estate planning
Which Program Fits You
Program Comparison
| Feature | Health Check-Up RM 420 |
Behavioural Insights RM 830 |
Planning Intensive RM 3,500 |
|---|---|---|---|
| Duration | 2 weeks | 5 weeks | 5 weeks |
| Sessions | 3 × 90 min | 5 × 80 min | 10 × 2 hrs |
| Financial scorecard | |||
| Bias identification journal | |||
| Complete personal financial plan | |||
| Individual consultation sessions | |||
| Best suited for | First overview of your position | Understanding your decision patterns | Comprehensive personal planning |
Shared Standards
What All Programs Have in Common
Strict Confidentiality
All financial information shared in sessions is treated with professional discretion.
No Product Promotion
Sessions are purely educational — no financial products are sold or recommended for purchase.
Updated Curriculum
Content is reviewed every six months to reflect current Malaysian regulations and market changes.
Small Group Sessions
All programs capped at 12 participants to allow for meaningful discussion and personal attention.
Ready to Begin?
Which Program Would Suit You?
We are glad to help you decide. Reach out and describe where you are — we will suggest which program would be the most useful starting point.
Contact Fiscalore