Our Practice
A practice built on patient reading.
vellumcomes was established in Ipoh with a single aim: to give Malaysian households the time, the context, and the quiet attention to work through their own financial documents properly.
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How vellumcomes came to be
vellumcomes grew out of a straightforward observation: most Malaysian households carry a substantial archive of financial documents — policies, agreements, EPF records, tax returns — that they have signed but never fully read. The language is technical, the structure is unfamiliar, and there is rarely anyone in the room prepared to slow down and explain what any of it actually means.
The practice was founded in Ipoh's Old Town Square, a neighbourhood that has always accommodated careful, deliberate trades — tailors, bookshops, small law firms. That context felt appropriate for work that asks people to take time with things that matter. The premises are compact and quiet by design. There is no reception area to navigate, no waiting room with a television.
We began with a single workshop format and have since developed three distinct programme types, each suited to a different level of engagement. None of them sells anything. The practice does not hold a financial adviser's licence, and we are deliberate about that. Our work sits clearly on the educational side of the line: reading, understanding, and organising — not advising, selling, or recommending.
Participants come from across Perak and sometimes further afield. Some arrive having recently inherited documents they don't recognise. Others are preparing for a significant life transition — retirement, a property purchase, the care of an ageing parent — and want to understand their own position clearly before they act. We try to meet each of them where they are, without assumption about what they already know.
Our Mission
To help Malaysian households read, understand, and organise the financial documents they hold — at their own pace, without pressure, and without any product being sold.
Our Approach
Small groups, printed materials, and enough time in each session for questions that don't feel rushed. We work with the documents in front of the participant, not with hypothetical scenarios.
Our Boundary
We are not financial advisers. We do not recommend, refer, or sell any product. That boundary is structural, not rhetorical, and it shapes everything about how we work.
The Team
The people who lead the sessions
Rohani Lim
Founder & Principal Facilitator
Spent twelve years in the insurance and takaful sector before leaving to focus on the educational side of financial literacy. Leads the Reading Policy Documents programme and the Written Financial Plan engagements.
Shaiful Azri
Programme Coordinator
Manages the workshop schedule, participant materials, and session logistics. Trained in adult education methodology and has a particular interest in how printed materials support retention.
Thangarajan Krishnan
Workshop Facilitator
Leads the Household Archive Workshop sessions. Previously a secondary school teacher with a background in accounting. Brings a structured, patient approach to the document organisation content.
Standards & Principles
How we conduct our work
Participant Privacy
Documents are never shared between participants. Group session examples use anonymised materials prepared in-house. Your paperwork stays with you.
No Referral Arrangements
We have no referral agreements with any financial institution, insurer, or investment platform. We receive no commission or referral fee from any third party.
Clear Engagement Terms
Every engagement begins with a written summary of what is and is not included. Scope, schedule, deliverables, and fees are confirmed in writing before any work begins.
Adult Education Principles
Our facilitation methods draw on established adult learning frameworks. Participants are treated as capable readers who need context, not as people who need to be told what to do.
Data Handling
Enquiry and registration data is held only as long as necessary and is not shared with third parties. We comply with Malaysia's Personal Data Protection Act 2010.
Printed Materials Standard
All participant materials — templates, index sheets, dividers, and the final Written Plan — are prepared to a consistent editorial and production standard before each session.
Our Context
Financial education for households in Malaysia
Malaysia's financial services landscape has expanded considerably over the past two decades. Households now hold a wider range of products than earlier generations — EPF accounts, private retirement schemes, investment-linked policies, home loans, personal financing, and in many cases multiple takaful or insurance policies taken out at different points in life. The paperwork that accompanies these products is extensive, and reading it carefully requires both time and some familiarity with how each document type is structured.
vellumcomes addresses that gap. Our work is grounded in the specific regulatory and product environment that Malaysian households navigate — not in general financial principles drawn from overseas markets. When we explain EPF statement structure, we use the current Kumpulan Wang Simpanan Pekerja format. When we discuss insurance policy documents, we work from the structures used by Malaysian licensed insurers and takaful operators. When we cover property sale-and-purchase agreements, we draw on the standard forms used in Peninsular Malaysia.
Our practice is based in Ipoh, and most of our participants come from Perak. We are familiar with the kinds of property transactions, employment patterns, and financial histories common in this part of Malaysia. That familiarity informs the examples we choose, the questions we anticipate, and the pace we set.
Begin the conversation
A short call or note is a fine starting point.
If you would like to know more about any of our programmes or want to check the next available dates, we are happy to correspond by email or speak on the phone at a time that suits.
Get in Touch