Client Accounts
What households say
after the reading.
The accounts below come from households that have completed one or more Sundial House programmes. They are shared with permission.
Back to Home240+
Households Served
4.8
Average Rating
6 yrs
In Practice
94%
Completion Rate
What Clients Say
Accounts from programme participants
Zahra Azman
Shah Alam, Selangor
I came to the Cash-Flow Reading expecting to be told what I was doing wrong. That's not what happened. The facilitator read through the month with me and asked questions that made me notice things I hadn't seen before — not because I hadn't looked, but because I hadn't known what I was looking at.
One-Month Cash-Flow Reading · March 2025
Raj Nadarajan
Petaling Jaya, Selangor
The Insurance Reading Programme took four sessions spread over about six weeks. By the third session I was reading the benefit schedule of my medical policy myself — slowly, but without needing the facilitator to translate every line. That felt like the point of it, and it was worth the time.
Insurance Reading Programme · Feb–March 2025
Lim Hui Shan
Subang Jaya, Selangor
My husband and I completed the Household Picture Engagement together. The written picture we received at the end is two pages. We have read it three times now — once when we received it, once six months later, and once at the start of this year. Each reading is different because we have moved slightly.
Household Picture Engagement · Oct–Jan 2024/25
Farouk Majid
Kuala Lumpur
I was sceptical about financial education as a concept. I've had advisers before and they always ended with something to sign. The Cash-Flow Reading didn't end that way. It ended with a question about a pattern in my spending that I hadn't noticed. I'm still thinking about that question.
One-Month Cash-Flow Reading · April 2025
Nurul Wahida
Puchong, Selangor
I've held a life policy for eleven years and had never read it properly. The Insurance Reading Programme changed that. Session two was on exclusion clauses — things I had assumed were covered that turned out not to be. I renewed with different terms after completing the programme.
Insurance Reading Programme · Jan–Feb 2025
Chan Kah Wei
Bangsar, Kuala Lumpur
The Household Picture Engagement is the right pace for what it does. Four months sounds long, but the intervals between sessions are where the real thinking happens. The written picture we received is brief — that is by design, and it's the right call. A shorter document gets read.
Household Picture Engagement · Sept–Dec 2024
Programme Journeys
A closer look at three engagements
Case Study · One-Month Cash-Flow Reading
A household that had tracked but never read
Challenge
A household in their mid-thirties had maintained a household budget spreadsheet for three years. Figures were recorded diligently, but neither member had ever sat down to read the completed months in any depth.
The Session
The facilitator read one recent month with both household members present. The reading revealed a regular expenditure in a category both had assumed was small that had grown considerably over eighteen months.
After
The household left with a drawn summary and two questions. They returned four months later for a second session — this time reading two months side by side. The practice of reading, rather than just recording, had become a habit.
"We had the numbers but we weren't reading them. That's the distinction I hadn't made before."
Case Study · Insurance Reading Programme
A policyholder approaching their first critical illness renewal
Challenge
A participant in their late forties held a critical illness policy purchased in their early thirties. The renewal was approaching and they realised they had not read the policy since the day it was issued.
The Programme
Four sessions over five weeks. Session three focused entirely on the definitions section — how critical illness is defined in Malaysian policies, and how those definitions interact with the benefit trigger clauses.
After
The participant made an informed decision to revise their coverage before renewal — a decision made from reading their own policy clearly, not from advice. The facilitator played no part in the product decision.
"I now read my renewal notice the day it arrives. It takes about twenty minutes and I know what I'm looking at."
Case Study · Household Picture Engagement
A household at a transition point
Challenge
A household facing a career change for one member found that their financial picture had become unclear — income was changing, savings patterns were disrupted, and several insurance policies needed review. No single document held the full picture.
The Engagement
Six working sessions over four months. Cash flow, savings, EPF, insurance, and obligations were read in separate sessions. The five-year direction was built from those readings, not imposed from outside.
After
The written household picture was two pages. It described where the household stood at the close of the engagement and a considered direction for the following five years. The household returns annually for a brief review session.
"Having a short written document that describes our financial life was more useful than I expected. It makes the annual review feel grounded."
Find Us
Get in touch with Sundial House
Telephone
+60 3-7876 2594Address
No. 23, Jalan Gasing Indah,
46000 Petaling Jaya
Office Hours
Mon–Fri: 9am–6pm
Sat: 9am–1pm
Credentials
Professional standing
Consumer Financial Education Award 2023
Selangor Chamber of Consumer Affairs — contribution to household financial literacy in the Klang Valley.
Certified Financial Education Practitioners
All facilitators maintain current certification under Malaysian continuing professional development standards.
Malaysian Financial Literacy Network
Active member contributing to curriculum development and peer review of independent financial education practices.
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