Three Ways to Cross in Good Order
Each Ferrywell service is a standalone engagement with a defined scope, a fixed fee, and something to take away at the end. Choose the stage that matches where you are now.
Back to HomeHow Ferrywell Approaches Each Engagement
Every engagement begins with a written description of what will be done, what falls outside the scope, and what the client receives at the close. This is shared before any commitment is made and before any fee is paid.
Work is carried out at the Jalan Padungan office during scheduled appointments. No documents are taken offsite. The digital mirror drive used during file assembly is brought to the office for each appointment and returned to the client at the second meeting.
At the close of every engagement, a written confirmation is sent stating that all scanned copies have been deleted from Ferrywell's systems and that no copies have been retained.
Enquiry and Scope Discussion
A brief call or email exchange to identify which service fits the client's situation and to answer questions before booking.
Written Scope and Fee Confirmation
A short written summary is sent by email covering exactly what will be done, the fee, and when payment is due.
Appointment and Delivery
The work is carried out at the agreed appointment. Materials are prepared and handed over at or before the final session.
Close and Deletion Confirmation
A written close-of-engagement note confirms that no copies have been retained and that originals have been returned.
Statement Reading Session
A one-to-one session in which the general structure of retirement and provident fund statements is explained: what each column ordinarily contains, how contribution periods are usually shown, and where reference numbers appear. The session is educational and does not interpret your personal figures, give advice, or make any statement about entitlements.
It runs ninety minutes and includes a printed annotated sample statement and a glossary of common terms in plain English and Bahasa Malaysia.
What You Receive
- Ninety-minute one-to-one appointment at the Kuching office
- Printed annotated sample EPF/pension statement
- Bilingual glossary of common statement terms
- Option for a companion to attend at no additional charge
Best Suited For
- First-time statement recipients who want to understand what they are reading
- Anyone preparing for a first meeting with a financial planner and wanting to arrive with vocabulary in hand
- Adult children attending with a parent who has received a statement they find confusing
Best Suited For
- Anyone approaching retirement with documents from more than one employer
- People who know something is missing but are unsure what to request or from whom
- Households wanting a permanent, portable record in one location before seeing an adviser
Crossing File Assembly
Assembly of a single portable file containing your retirement-related documents, sorted by employer and date, with a printed contents page and a scanned mirror copy on a drive you keep. The service is clerical organisation only.
Two appointments across four weeks, with a written gap list showing which years or employers appear to be missing from the record. Includes labelled dividers, a naming convention, and instructions for keeping the file current on your own.
What You Receive
- Sorted portable file with labelled dividers and printed contents page
- Scanned mirror copy on a drive returned to you at appointment 2
- Written gap list of missing years and employers
- File naming convention and maintenance instructions
Extended Coordination Retainer
A six-month retainer for households managing correspondence with several institutions at once. The coordinator maintains a master register, logs each item you send and receive with its date, keeps a calendar of expected replies, and prepares a neutral chronology for handover.
No advice is given, no interpretation offered, and nothing is sent on your behalf. The retainer ends with a bound handover pack and a directory of registered professionals across Sarawak and Sabah.
What You Receive
- Master register maintained throughout the six months
- Calendar of expected replies updated monthly
- Neutral chronology prepared for handover
- Bound handover pack at the close of six months
- Directory of registered professionals in Sarawak & Sabah
Best Suited For
- Households with active correspondence across multiple retirement institutions
- Anyone managing a spouse's or parent's retirement records alongside their own
- People preparing a comprehensive handover for a solicitor or financial planner
Which Service Fits Your Situation
| Feature | Statement Reading |
File Assembly |
Coordination Retainer |
|---|---|---|---|
| Educational session on statement structure | |||
| Bilingual glossary of statement terms | |||
| Physical file sorted by employer and date | |||
| Written gap list of missing records | |||
| Master register of all correspondence | |||
| Bound handover pack | |||
| Professional directory (Sarawak & Sabah) | |||
| Fee | RM 490 | RM 1,780 | RM 4,150 |
Fixed Fees for Every Stage
Statement Reading
- 90-minute appointment
- Annotated sample statement
- Bilingual glossary
- Companion welcome
File Assembly
- 2 appointments over 4 weeks
- Sorted file with contents page
- Digital mirror on your drive
- Written gap list
Coordination Retainer
- Master register maintained
- Reply calendar updated monthly
- Bound handover pack
- Professional directory included
Standards That Apply to Every Engagement
Written Scope Before Any Fee
A scope summary is provided by email before payment is made. It covers what will happen, what will be delivered, and what falls outside the engagement.
PDPA-Compliant Data Handling
Data handling follows the Personal Data Protection Act 2010. Documents are stored on encrypted drives in a locked room and deleted at close of engagement.
No Financial or Legal Advice
Ferrywell does not hold any licence to give financial, investment, or legal advice. All work is clerical and educational. Clients are referred to registered practitioners when their need moves beyond this scope.
Bilingual Materials
All client-facing written materials are available in English and Bahasa Malaysia. Sessions may be conducted in either language or a mixture of both.
A Tangible Deliverable at Close
No engagement closes without something in the client's hands. The deliverable is described in the scope summary and produced regardless of how the engagement unfolds.
No Hourly Overruns
Fixed-scope services have fixed prices. Questions asked during an appointment already underway are answered within that appointment at no additional charge.
Not Sure Which Stage to Start With?
Send a short message or call the office. We will help you identify which service fits your current situation — with no obligation to proceed.
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