Life Protection and Legacy Planning
I review your family responsibilities and protection needs, and plan beneficiary arrangements and legacy.
All services are provided in Singapore under Singapore regulations.
Who it is for
- Family breadwinners
- Business owners
- Clients who care about passing on wealth to the next generation
What I do
- Review family responsibilities and protection needs
- Plan beneficiary arrangements and legacy
Note: Specific proposals are provided in Singapore through the formal process; official documents prevail.
Note: For legal and tax matters such as wills, taxation and cross-border assets, please consult a professional lawyer and tax adviser.
How it works
| Step | What happens |
|---|---|
| 1. Initial conversation | 30–60 minutes to understand your family, goals and concerns; online or in person |
| 2. Needs analysis | A Fact Find and risk profiling as required by Singapore regulations |
| 3. Recommendation | A written proposal with explanations |
| 4. Application | Applications or account opening through the formal process in Singapore |
| 5. Delivery | Implementation and a walkthrough of the documents |
| 6. Ongoing service | Annual reviews, help with changes and claims |
Related Q&As
What happens to CPF savings after a member passes away? Can they be included in a will?
CPF savings are not covered by a will. Members can make a CPF nomination to name beneficiaries and their shares; without a nomination, the savings are distributed by the Public Trustee according to the law, which takes longer.
Source: CPF Board; Public Trustee's Office (website: cpf.gov.sg, mlaw.gov.sg)
How do I make a will in Singapore?
Under Singapore's Wills Act, the testator must be at least 21 years old, and the will must be in writing, signed by the testator in the presence of two witnesses who also sign; witnesses should not be beneficiaries. CPF savings are not covered by a will and must be arranged separately through a CPF nomination.
Source: Singapore legal information (新加坡法律信息); CPF Board (website: cpf.gov.sg, sso.agc.gov.sg)
What is a Lasting Power of Attorney (LPA)?
An LPA allows a person aged 21 or above with mental capacity to appoint donees in advance to make decisions on their personal welfare and property if they later lose mental capacity. Applications are made to the Office of the Public Guardian (OPG).
Source: OPG (msf.gov.sg/opg) (website: msf.gov.sg/opg)
Does Singapore have capital gains tax or estate duty? What is the GST rate?
Singapore generally does not tax capital gains; estate duty was abolished from 15 February 2008. The Goods and Services Tax (GST) has been 9% since 1 January 2024. Please consult a tax professional about your own situation.
Source: IRAS (website: iras.gov.sg)
Official references
- CPF Board: CPF Board (accounts, nomination, CPF LIFE) www.cpf.gov.sg (Search the site for: CPF accounts / CPF nomination / CPF LIFE)
- OPG: Lasting Power of Attorney (LPA) www.msf.gov.sg/opg
- Ministry of Law: Public Trustee www.mlaw.gov.sg (Search the site for: Public Trustee)
- SDIC: Policy Owners' Protection Scheme www.sdic.org.sg (Search the site for: Policy Owners' Protection Scheme)
- MoneySense: Consumer financial education (insurance and investment guides) www.moneysense.gov.sg
Policies may change; please refer to the latest official announcements.
Further reading and planners
Would you like to talk about your situation? The initial conversation takes 30–60 minutes, online or in person.
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