Participant Accounts
Heard from
Those Who Have Been Here
The following accounts come from participants who completed Fiscalore programs — described in their own words, at their own pace.
Back to HomeWhat Participants Say
Participant Reviews
Ahmad Faizal bin Roslan
Shah Alam · Planning Intensive
"I came in not knowing where to start. By the third week, I had a working budget framework and a clearer picture of my EPF projections than I had ever had. The facilitator explained things at a pace that felt respectful. I left with an actual document, not just notes."
March 2026
Nurul Izzah Mohd Zin
Petaling Jaya · Behavioural Insights
"I kept making the same spending decisions and wondering why. This program helped me put a name to what I was doing — anchoring to my old salary, loss aversion around investments I already held. The bias journal was a surprisingly useful tool. First time I observed my own patterns rather than just judging them."
March 2026
Lim Wei Chong
Subang Jaya · Health Check-Up
"I thought I had a reasonable handle on my finances until I went through the scorecard. The debt-to-income benchmark was a wake-up call. What I appreciated was that the facilitator did not tell me what to do — he helped me understand the picture and let me sit with the information."
February 2026
Priya Ramasamy
Klang · Planning Intensive
"The one-on-one consultation hours were something I did not expect to value so much. Having a session on my specific situation — not a generic example — made a real difference. The retirement projection section was eye-opening in a way I have been thinking about since."
April 2026
Tan Bee Ling
Shah Alam · Behavioural Insights
"I was curious about the behavioural side — had read about biases but never applied them to my own money habits. The case studies from Malaysian markets made things concrete rather than abstract. The group discussions were genuine too — small enough that people actually spoke."
March 2026
Mohd Hafizuddin Zulkepli
Shah Alam · Health Check-Up
"As someone in IT with no formal finance background, I appreciated that no assumptions were made about what I already knew. The scorecard made abstract concepts like savings rate and insurance adequacy very concrete. I would recommend this as a starting point for anyone who has never formally assessed their situation."
February 2026
Case Studies
Participant Journeys
Three participants, three different starting points — how each found value in Fiscalore programs.
Siti Norzahirah
Planning Intensive
Challenge
After a major life change, Siti found herself managing all financial decisions independently for the first time — with no framework for insurance, retirement, or day-to-day budgeting.
Approach
She used the individual consultation sessions in the Planning Intensive to focus on her specific circumstances rather than working through generic examples.
Outcome
Completed the program with a working personal financial plan covering the next five years. Her words: "I can look at my financial situation directly now, without anxiety."
Jason Ng Kian Huat
Behavioural Insights
Challenge
Jason had read extensively about personal finance but consistently made reactive investment decisions — selling when markets fell and chasing recent winners, despite knowing better intellectually.
Approach
Structured exercises in the program helped him observe his own decision-making patterns — particularly loss aversion and recency bias — during live market periods.
Outcome
Developed a personal decision-making checklist he reviews before any investment change. Reports the gap between knowing and doing has narrowed considerably.
Kavitha Krishnan
Health Check-Up
Challenge
A mid-career professional who had accumulated savings and investments without ever assessing whether her overall financial position was appropriate for her age and goals.
Approach
The Check-Up provided a structured framework covering net worth, insurance coverage, and savings rate — with benchmark context for each dimension.
Outcome
Identified a gap in her life insurance coverage she had not previously noticed, and decided on next steps independently based on the information provided.
480+
Participants Served
4.7/5
Satisfaction Rating
6+
Years Operating
93%
Would Recommend
Next Step
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