Words from those who have walked this path with us

My late husband had named our eldest son on his EPF nomination years ago, but never updated it after our younger children were born. When he passed, I was very confused about what would happen to the savings. Zarina explained everything with patience and made sure the claim process was as smooth as it could be under the circumstances. I was never made to feel like just a file number.

I took up the Lifetime Retirement Plan three years ago after my brother recommended it. The initial plan took about six weeks and involved two meetings here in the office. Each year I come back for the review — it takes perhaps ninety minutes and we go through what has changed. Twice they have caught something I had forgotten to update. That alone has been worth the fee many times over.

I came in because a colleague told me I should review my nomination before I retired. The process was much simpler than I expected — one meeting, they explained what I had signed years ago, and then sent me a written note summarising it all. The only thing I would suggest is that they mention earlier how long the written note will take; I was not sure when to expect it. But the advice itself was clear and reassuring.

My mother is seventy-two and does not speak much English. I brought her here worried that the legal process would be confusing for her. The firm handled everything in a way that made her comfortable — they spoke slowly, repeated things when needed, and made sure she understood the nomination form she was signing. I would not have trusted this to another office.

I had a difficult situation involving a pension entitlement dispute with my former employer's pension scheme. Before agreeing to take my matter, they sat with me for over an hour and honestly assessed the strengths and weaknesses of my position. They told me the case was manageable but would take time and gave me a realistic budget. That honesty was what convinced me to proceed, and the outcome was a fair settlement reached within seven months.

I was initially hesitant about the annual review arrangement — it felt like a commitment I might not keep. In practice, Nurul sends a gentle reminder once a year and leaves it entirely to me whether to book. I have not missed a year yet. The review itself is much more conversational than I expected — less like a legal meeting, more like a check-in with someone who knows your file well.