Pass on what you've built, on your terms
Trusts
A trust is simply a way to set aside assets so that someone else, on terms you set, manages them for the benefit of the people you choose. For families with young children, dependants who need long-term care, or assets that should not all transfer at once, a trust is often the cleaner answer than a will alone.
I work with families to clarify what they want to achieve first, then recommend the structure that gets there with the least friction.
What this looks like in practice
Insurance trusts
Ensuring that life policy payouts go to the right beneficiaries on the right terms, especially where minors or vulnerable dependants are involved.
Standby and testamentary trusts
Trusts that activate at the right moment (incapacity, death, or a defined milestone) without requiring assets to be transferred upfront.
Special needs planning
Coordinating with the Special Needs Trust Company (SNTC) and other vehicles for dependants who will need long-term financial support.
Coordinating with CPF and existing nominations
Making sure your trust, your CPF nominations, and your insurance nominations all point in the same direction.
Common questions
Do I need a lawyer as well?
Yes, trust deeds are legal instruments. I work alongside lawyers your family already trusts, or refer you to specialists where helpful.
Is a trust only for wealthy families?
No. The most common reason families set up a trust is to make sure that an insurance payout reaches a young child or a dependant with special needs without being mismanaged.
Not sure where to start?
The first conversation is a no-cost review of what you already have. I'll tell you honestly whether you need anything else, and what it's worth.