Participant Stories
What People Have Taken Away
Words from participants who chose to take a closer look at their financial situation.
Back to Home340+
Programmes completed
4.8
Average satisfaction (out of 5)
11+
Years in financial education
78%
Participants return for a second programme
From Our Participants
In Their Own Words
Zulaikha Ramli
Butterworth, Penang · March 2025
"I had never calculated my net worth before attending the workshop. I always assumed it was too complicated — all those EPF statements and loan balances. Halim walked us through the whole thing with patience. By the end of the second session I had a clear number and a way to update it each year. That alone was worth it."
Net Worth Awareness Workshop
Khor Lee Meng
Georgetown, Penang · February 2025
"The Global Market course answered questions I had been carrying for years. Why does the ringgit weaken when US interest rates rise? How do I actually access foreign markets from Malaysia? Raymond explained it all with real examples, not textbook diagrams. I felt more confident reviewing my unit trust portfolio afterwards."
Global Market Awareness Course
Mohd Hasri bin Yusof
Balik Pulau, Penang · January 2025
"What I appreciated most about the Mentorship Programme was that the sessions were about me, not a generic outline. We spent two full sessions on my EPF because that was the biggest gap in my understanding. No rushing, no 'we'll get to that later.' Just proper attention to what actually mattered for my situation."
Financial Mentorship Programme
Siti Goh Hui Ling
Bayan Baru, Penang · March 2025
"I went to many seminars before this. Most of them ended with someone trying to sell me something. Riang Advisory was completely different. We talked about my actual numbers, my actual situation, and when the session ended there was no pitch. Just a follow-up email with the notes from our conversation."
Financial Mentorship Programme
Ravi Naidu
Tanjung Tokong, Penang · February 2025
"I did the Net Worth workshop first, then enrolled in the Mentorship programme six months later. The progression made sense. The workshop gave me the foundation to understand what the mentorship was building on. Norzahra was clear and never made me feel embarrassed for asking basic questions."
Net Worth Workshop + Mentorship
Tan Peck Lim
Nibong Tebal, Penang · January 2025
"The Global Market course helped me see why my international fund performed differently from what I expected. I had been reading the news but not understanding how it connected to my portfolio. Three sessions later, the connections were obvious. Good pacing, good examples, and the course notes are still on my desk."
Global Market Awareness Course
Deeper Stories
Learning Journeys in More Detail
Case Study 01 — Net Worth Awareness Workshop
The Situation
A 52-year-old civil servant approaching early retirement had a rough sense of her assets but had never added them up in one place. She knew her EPF balance and her house value, but not whether her combined position was healthy for a retirement in three years.
What the Workshop Did
Over two sessions, she identified and valued every asset, listed all outstanding liabilities including a remaining PTPTN balance and a personal loan, and completed a full net worth calculation. She also received a spreadsheet she now updates quarterly.
The Outcome
She discovered her net worth was stronger than expected — and that the personal loan represented a larger drag than she had appreciated. She accelerated repayment and enrolled in the Mentorship Programme six months later to explore retirement income planning in depth.
Case Study 02 — Financial Mentorship Programme
The Situation
A 47-year-old business owner had accumulated several investments across unit trusts, a few stocks, and a commercial property — but had never reviewed them as a coherent portfolio. He was also uncertain whether his Takaful coverage remained adequate for his current situation.
What the Programme Covered
Five of the six sessions focused on investment portfolio analysis, insurance coverage review, and basic retirement modelling. The final session brought everything together into a personal financial summary document. Four follow-up consultations provided space to act on what had been learned.
The Outcome
He identified two redundant unit trust positions and consolidated them. He also found a gap in his critical illness coverage and was able to address it with appropriate context. He described the programme as "the financial review I had been postponing for ten years."
Credentials
Professional Standing
Penang Financial Literacy Working Group Recognition
All three Riang Advisory programmes were acknowledged by the working group in 2023 for their contribution to adult financial literacy in the northern region.
Adult Learning Certification
Our programme facilitators hold adult education qualifications from Malaysian higher education institutions, ensuring sessions are structured around how adults actually learn.
Education-Only Registration
Riang Advisory operates as a financial education provider, not a licensed financial planner. This distinction is clearly maintained and disclosed to all participants.
Member, Malaysian Financial Education Network
Active participation in the broader community of financial educators working to improve financial literacy standards across Malaysia.
Reach Us
Contact Riang Advisory
Phone
+60 4-218 9364Address
5 Jalan Tanjung Tokong, 10470
Tanjung Tokong, Penang
Office Hours
Mon–Fri 9 AM–6 PM
Sat 10 AM–1 PM