Our Services
Three clearly scoped services, each designed around a distinct pension situation.
Our Approach
How we work with clients
Each engagement at Pensarae begins with a careful understanding of the client's specific situation — the scheme under which entitlement arises, the status of their records, and what question or difficulty has prompted the enquiry. We do not apply a template approach.
The three services we offer correspond to the three most common positions in which clients find themselves: those who want to understand where they stand; those who believe their contribution record has been handled incorrectly; and those who are helping a family member navigate their pension arrangements. Each service has a defined scope and a published fee.
All engagements produce written output. Clients are kept informed at every stage. No step is taken without the client's knowledge and agreement.
Process Overview
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1.
Initial enquiry — no obligation, no charge. We assess whether we are the right resource for your matter.
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2.
Document gathering — we identify what records are needed and assist with understanding what is available.
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3.
Analysis & preparation — the substantive work, conducted at a pace appropriate to the complexity.
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4.
Written output — a summary, submission, or advisory document appropriate to the service.
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5.
Follow-up — available to answer questions arising from the written output.
Initial Pension Position Review
A first, orientation-oriented review intended to help a client understand where they currently stand in relation to their pension entitlement. The review examines the scheme under which entitlement arises, the contribution record as it appears in available statements, and any outstanding correspondence that might bear on the position.
A written summary is prepared in plain language, setting out what is known, what remains uncertain, and what additional documentation might be useful should the client wish to proceed further. This review is a considered starting point — not a partial service, but a complete and useful piece of work in its own right.
What is included
- Scheme identification and applicable rules
- Contribution record examination against available statements
- Review of outstanding correspondence
- Written summary in plain language
- Identification of documentation gaps
Typical process
- 1. Initial enquiry and scope confirmation
- 2. Document submission by client
- 3. Review and analysis (typically 2–3 weeks)
- 4. Written summary delivered
RM 780
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Representation in Pension Contribution Disputes
Representation for clients who disagree with the characterisation of their contribution record by an employer or administering body. Disputes of this kind often arise from discrepancies between payroll records and scheme statements, or from administrative decisions that a client believes do not reflect their actual contribution history.
The work includes a detailed examination of payroll records, scheme correspondence, and the applicable scheme rules, followed by structured written submissions. Where attendance at administrative proceedings is required, representation is provided with steady preparation and an unhurried manner. The client is kept informed at each stage, and decisions remain their own throughout.
What is included
- Payroll and scheme record reconciliation
- Analysis of applicable scheme rules
- Structured written submissions to administering body
- Representation at administrative proceedings if required
- Regular client updates throughout
Typical process
- 1. Initial review and assessment of dispute basis
- 2. Full document gathering
- 3. Record analysis and submission preparation (4–6 weeks)
- 4. Submission lodged; response monitored
- 5. Attendance at proceedings if scheduled
RM 2,740
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Advisory on Pension Arrangements for Family Members
Advisory work for clients who are assisting a parent, spouse, or other relative with pension arrangements — whether at the point of application, following a change of circumstance, or in connection with estate planning. This is a particularly common situation and one that carries its own particular sensitivities.
The engagement begins with a careful understanding of the family context and a consideration of the relative's wishes, and proceeds at a pace that allows those wishes to be discussed in full. Written material is provided in language suitable for sharing with the family member directly, so that they can read and understand the position without requiring a second layer of explanation.
What is included
- Family context and relative's wishes assessment
- Pension application review or preparation assistance
- Change-of-circumstance analysis
- Estate planning considerations
- Written advisory document for family sharing
Typical process
- 1. Family context discussion with client
- 2. Relevant document review
- 3. Advisory analysis (2–4 weeks)
- 4. Written advisory provided for family use
RM 1,420
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Which service suits your situation
| Your situation | Position Review RM 780 |
Dispute Representation RM 2,740 |
Family Advisory RM 1,420 |
|---|---|---|---|
| Unsure of your entitlement position | — | — | |
| Received statements that seem incorrect | — | ||
| Formal dispute with employer or scheme | — | — | |
| Administrative hearing scheduled | — | — | |
| Assisting a parent or relative with application | — | — | |
| Pension arrangements connected to estate planning | — | — | |
| Complex history spanning multiple schemes |
If your situation is not clearly reflected here, an initial enquiry is the most straightforward way to clarify which service — if any — applies to your position.
Professional Standards
What applies across all services
Data Protection
All client documentation is handled in compliance with the Personal Data Protection Act 2010. No information is shared with external parties without the client's prior knowledge.
Regular Client Updates
Clients receive updates as a matter of practice. Where a matter requires a waiting period, clients are informed of the reason and the expected next communication.
Written Output
Every engagement produces a written document. Clients are not left relying on memory of a verbal briefing as the record of what was discussed or advised.
No Steps Without Agreement
Nothing proceeds without the client's informed agreement. The nature of legal advisory is that we present options; the client decides which, if any, to pursue.
Transparent Fees
Published fees cover the scope described. Additional charges are never assumed; they are discussed with the client before any extra work begins.
Bar Council Compliance
All legal work is conducted by members in good standing of the Malaysian Bar, in accordance with the professional conduct rules applicable to advocates and solicitors in Malaysia.
If you are uncertain which service applies, we can help you work that out.
An initial enquiry is always without obligation. Describe your situation briefly and we will indicate how we might be of assistance, or whether your matter is better suited to a different resource.
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