Wealth Distribution

At the end of the day, all unused wealth accumulated so far has to be distributed to our loved ones or other related parties. Estate Planning is a very important Wealth Distribution strategy that involves Planning before “Departure” to Minimise Problems to Our Loved Ones.


Will Writing is a legally binding document to express the intention of the deceased person about how he/she wishes to divide and distribute his/her wealth upon death. One of the major benefits is to be able to distribute one’s wealth according to OWN WISHES rather than follow the Distribution Act otherwise. A Testator may appoint his/her Executors, Guardians, Trustees, Beneficiaries and even his Witness. Email us should you require further information about Will Writing at


Trust Deed is a legally binding document that allow the Settlor to Instruct the Trustee to carry out certain duty or hold assets on behalf for the benefits of Beneficiaries. There are two types of Trust, i.e. Living Trust and Testamentary Trust. Both have their advantages and disadvantages which require a lengthy discussion, we suggest you email to us about your concerns to and we will reply to you within 24 hours.


Nomination of Life Insurance and Nomination of EPF (Employee Provident Fund) are very important Wealth Distribution vehicles. Trying to understand the law behind would definitely give you a better picture on how to distribute the above assets. In Life Insurance, a Statutory Trust is created once you nominate your Parent (while single), or Spouse & Children (while married), this would allow your nominees receive the Insurance Proceed without having the duty to re-distributed out, as well as a Creditor Proof asset. Nomination of EPF money would have similar kind of advantages as well.


This is quite unique for Life Insurance industry. While you can’t nominate a Non-Trust beneficiary to receive your insurance proceed, you may opt for Assignment. There are two types of Assignments, i.e. Absolute Assignment (AA) & Conditional Assignment (CA). Both have different purposes and pro’s & con’s. AA is like a transfer of OWNERSHIP that will take effect immediately upon approval. While CA will only take effect upon DEATH, and changes are allowed before death.