Our Services
Three services. Fixed fees. Careful work from the first document to the last signature.
HomeOur Approach
How we work with clients
Each engagement at Naluri Wira begins with a careful reading of the documents at hand — pension statements, EPF records, death certificates, or draft trust instruments, depending on the matter. We do not make assumptions about what a client needs before understanding what their documents show.
The fee for each service is stated clearly and agreed in writing before any work begins. There are no hourly additions, no incidental charges, and no obligation to engage further after a review if the client feels their situation is in order.
We work in English and Bahasa Malaysia. For Muslim clients, we coordinate with Syariah advisors where the matter requires it. For all clients, we set aside enough time to explain what we are doing and why — at a pace that makes sense.
Service 01
Pension Statement Health Check
A short, fixed-fee review designed for clients who want a second opinion on their pension and EPF statements before making decisions. The lawyer reads the documents alongside you, explains each line in plain English, and notes any items that may benefit from closer attention.
There is no obligation to take further steps after the meeting. Many clients leave reassured that everything is in order — and the firm is content with that outcome.
What the review covers
- EPF (KWSP) contribution and balance review
- Pension entitlement figures explained in plain terms
- Nomination status and its legal implications
- Items flagged for further attention, if any
- Short summary note provided after the session
Process
- 1 Client shares pension and EPF statements ahead of the meeting
- 2 Lawyer reviews documents and prepares notes before the session
- 3 60–90 minute meeting in the office or by video call
- 4 Brief summary note sent within three working days
Fixed Fee
RM 320
Service 02
Survivor & Dependant Benefit Claims
Compassionate assistance for widows, widowers, and dependent children pursuing survivor pensions, EPF death benefits, and related entitlements. The firm handles the paper-heavy process so that the family is not burdened with administrative work during a period of grief.
Where statutory beneficiaries are unclear, the firm offers patient guidance through the relevant procedures, including the Amanah Raya process where it applies.
What we handle
- Death certificate, marriage and birth record coordination
- EPF death benefit claim preparation and submission
- KWAP survivor pension application for civil servant families
- Correspondence with EPF Board and relevant agencies
- Amanah Raya referral and guidance where beneficiaries are unclear
Process
- 1 Initial conversation to understand the family's situation
- 2 Document checklist provided and collection managed by the firm
- 3 Claims prepared and submitted on the family's behalf
- 4 Progress updates provided; follow-up with agencies as needed
Timeline varies depending on agency processing times, typically four to ten weeks from submission.
Fixed Fee
RM 640
Service 03
Pension Trust & Hibah Structuring
Considered structuring of pension proceeds and retirement savings through wills, hibah, and family trust arrangements suited to the client's faith, family, and circumstances. The firm works with both Muslim and non-Muslim clients, and coordinates with Syariah-aware advisors where required.
Documents are drafted slowly, reviewed with the client, and revised as understanding deepens. The goal is a settled, well-understood plan rather than a quick signature on a standard form.
What we prepare
- Wills for non-Muslim clients, reviewed and revised with care
- Hibah instruments for Muslim clients — Syariah-compliant
- Family trust arrangements tailored to the client's circumstances
- EPF nomination review and update where needed
- Coordination with Syariah advisors for Muslim estate matters
Process
- 1 Initial consultation to understand family structure and wishes
- 2 First draft prepared and shared with the client for review
- 3 Revision meetings — as many as needed
- 4 Final documents signed only when the client is fully settled
Fixed Fee
RM 890
Which Service Is Right for You?
A guide to choosing your engagement
| Your Situation | Health Check RM 320 |
Survivor Claims RM 640 |
Trust & Hibah RM 890 |
|---|---|---|---|
| Approaching retirement, want to understand your statements | |||
| Recently retired, unsure if everything is in order | |||
| Lost a spouse or parent who had a pension or EPF | |||
| Dependent children whose parent was a civil servant | |||
| Want to direct pension savings to specific family members | |||
| Need a will or hibah instrument prepared | |||
| Not sure what you need | Call us first — +60 12-487 6293 | ||
Professional standards across all services
Written Engagement
Every engagement confirmed in writing before work begins.
Strict Confidentiality
Client information handled in confidence; PDPA compliant.
Current Knowledge
EPF circulars and pension legislation reviewed as they are issued.
Bar Council Standards
All lawyers hold current practicing certificates and comply with professional conduct rules.
A brief conversation costs nothing.
If you are uncertain which service applies to your situation, please call or write to us. We are glad to help you understand what you need before any engagement is agreed.