FINEX & CO Legacy Advisory

10/06/2026

【30多岁刚买新房？别让你的资产处于“零防备”状态！】🏠

很多人以为资产规划是老年人的事，但其实，当你买下人生第一套房产的那一刻，风险就已经存在了。

资产规划师 Irene Lau 近期协助了一对刚买房的年轻夫妻。她提醒客户：明天和意外不知道哪个先来，有了不动产，就必须尽早做好提名和遗嘱规划，避免未来陷入未知且复杂的法律纠纷。

更聪明的是，这对夫妻做了一个极具性价比的决定：

趁着 Finex & Co 提供的 RM300 限时优惠，他们听从了顾问的建议，选择“先锁着优惠”！名额和折扣先拿稳，资料后续再慢慢准备。

既有了未来的保障，又省下了现在的成本，何乐而不为呢？

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[Just Bought Your First Home in Your 30s? Don't Leave Your Assets Unprotected!] 🏠

Many assume legacy planning is only for the elderly. In reality, your risk exposure begins the moment you acquire your first property.

Estate Planner Irene Lau, recently advised a young couple who had just purchased their new home. She highlighted a critical point: risk mitigation must begin immediately. Once you own real estate, setting up your nominations and executing a Will are essential steps to prevent complex legal disputes in the future.

Taking a highly practical approach, this couple made a smart financial decision:
Capitalizing on Finex & Co's RM300 limited-time offer, they followed the consultant's strategic advice to "lock in the offer first." They successfully secured the discount immediately, giving them the flexibility to compile the necessary documents at their own pace later.

Securing future protection while optimizing current costs—a truly strategic move.

📩 DM us today to lock in your legacy planning offer!

#遗嘱信托 #长期主义 #永续经营 #守护每个家庭的梦想 #让爱永续传承 #家庭信托 #马来西亚 #资产规划 #资产传承 #遗嘱继承 #保险 #法律

09/06/2026

Can I draft my own Will?

Yes, but self-drafted Wills often contain technical gaps that only surface during estate administration. Common issues include unclear beneficiary identification, missing residuary clauses, insufficient executor powers, or improper witnessing. A Will does not need to be lengthy, but it must be clear, legally workable, and structured to avoid unnecessary complications.
#遗嘱信托 #长期主义 #永续经营 #守护每个家庭的梦想 #让爱永续传承 #家庭信托 #马来西亚 #资产规划 #资产传承 #遗嘱继承 #保险 #法律

06/06/2026

05/06/2026

无法确定谁先去世的情况下，遗产归谁！
#遗嘱信托 #长期主义 #永续经营 #守护每个家庭的梦想 #让爱永续传承 #家庭信托 #马来西亚 #资产规划 #资产传承 #遗嘱继承 #保险 #法律

04/06/2026

如果我遗嘱写全部留给老公，但老公比我先走该怎么办？

遗嘱就会失效，你的资产就会按法律分配。所以记得在遗嘱里写备用受益人，确保资产按你心意处理。
#遗嘱信托 #长期主义 #永续经营 #守护每个家庭的梦想 #让爱永续传承 #家庭信托 #马来西亚 #资产规划 #资产传承 #遗嘱继承 #保险 #法律

03/06/2026

【与死神赛跑：离开前的4小时签署遗嘱】⏳

“意外和明天，你永远不知道哪个先来。”

资产规划师 Wong Soon Mee 分享了一个惊险案例：一位原本抗拒立遗嘱的老板，在知道自己快不行的时候，紧急求助最在离世前的 4 个小时才完成遗嘱

这位老板拥有庞大生意、2 位太太和 8 个孩子。试想，如果没有这份“压哨”遗嘱，家族资产分配将陷入怎样的混乱？

这次经历彻底唤醒了家属，别把最重要的事留到“最后一刻”。

📩 立即 DM 我们，趁一切来得及，给家人确定的保障！

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[A Race Against Time: Will Executed Just 4 Hours Before Passing] ⏳

"You never know which comes first: tomorrow or the unexpected."

Estate Planner Wong Soon Mee shared a critical case: A business owner who had long resisted estate planning urgently reached out for assistance when his condition became terminal. Fortunately, he managed to officially execute his Will 4 hours before he passed away.

This client left behind a substantial business portfolio, two wives, and eight children. Without this last-minute Will, the family's asset distribution would have inevitably plunged into severe legal complications and disputes.

This experience served as a serious wake-up call for the family. Never leave essential estate administration to the final moment.

📩 DM us today. Establish concrete protection for your family while there is still time.
#遗嘱信托 #长期主义 #永续经营 #守护每个家庭的梦想 #让爱永续传承 #家庭信托 #马来西亚 #资产规划 #资产传承 #遗嘱继承 #保险 #法律

02/06/2026

What happens if I leave everything to my husband but he passes away first?

If your spouse passes away before you, the gift fails and your estate may be distributed according to law. So make sure to name backup beneficiaries in your Will so your assets go as you intend.

#遗嘱信托 #长期主义 #永续经营 #守护每个家庭的梦想 #让爱永续传承 #家庭信托 #马来西亚 #资产规划 #资产传承 #遗嘱继承 #保险 #法律

31/05/2026

Merafak sembah ucapan setinggi-tinggi tahniah kepada Kebawah Duli Yang Maha Mulia Seri Paduka Baginda Yang di-Pertuan Agong Sultan Ibrahim sempena sambutan Ulang Tahun Hari Keputeraan Rasmi Kebawah Duli Yang Maha Mulia Seri Paduka Baginda Tuanku pada 01 Jun 2026 (15 Zulhijjah 1447H).

Daulat Tuanku!

30/05/2026

Happy Vesak Day! 🪷
Wishing you a life full of peace and tranquility this Buddha Purnima.

卫塞节快乐！🪷
愿您在这个殊胜的日子里，生活充满宁静与祥和。

30/05/2026

很多人以为，写了遗嘱、签了名就settle了。
家人拿到Grant of Probate (GP) 之后，他们要做的就是照着分配而已。
其实不一定哦！马来西亚高庭在2025年有一个case显示就算到了GP也未必可以照着这份遗嘱来分配。
【LOW TIONG SAW v. LOW TEONG HWA [2025] CLJU 2049】
在这个case里，死者留下了两份遗嘱：
- 2009年的遗嘱
- 2017年的遗嘱
家人们已经通过2009年的这份遗嘱拿到了GP，结果法庭还是推翻了这份遗嘱，而且表示2017年的遗嘱才是真正有效的遗嘱。

在这个case里，原告表示2009年的遗嘱根本没按照1959年遗嘱法的规定执行。他觉得遗嘱可能根本没有任何见证人在场或者没有两个及以上的见证人同时在场。
结果法庭那边确实证实了：
1️⃣ 见证人没一起签名
有一个见证人承认，他在停车场拿到遗嘱就直接签了，另外见证人根本没在场。
2️⃣ 没看到立遗嘱人签名
同一个证人还承认，他根本没看到立遗嘱人签名。

⚠️ 其实法庭看的不是你想怎么分，而是整个写好这份遗嘱的流程有没有follow法律的要求，这些要求包括：
- 立遗嘱人是不是真的懂自己写了什么
- 遗嘱内容有没有清楚记录立遗嘱人的心意
- 签名和见证程序有没有做对

A lot of people think that once a loved one passes and you use their will to apply for a Grant of Probate (GP), everything is settled. “We just follow the will and divide the estate, right?”
Well… not always!
[LOW TIONG SAW v. LOW TEONG HWA [2025] CLJU 2049]
In this case, the deceased left two wills:
- One from 2009
- Another from 2017
The family had already used the 2009 will to get a GP and thought it was all sorted. But the court overturned the 2009 will and confirmed that the 2017 will was the valid one.

What went wrong with the 2009 will?
The plaintiffs claimed that the 2009 will didn’t follow the legal requirements under the Wills Act 1959:
- The will might not have had any witnesses present at all
- Or it didn’t have two or more witnesses signing together
The court confirmed the problems:
1️⃣ Witnesses didn’t sign together
One witness admitted he signed the will alone in a parking lot, without the other witness present
2️⃣ Witness didn’t see the deceased sign
The same witness also admitted he never actually saw the deceased sign the will

⚠️ The court isn’t just concerned with how the estate should be divided. They check whether the ex*****on process followed the law, including:
- Did the deceased really understand what was written in the will?
- Does the will clearly reflect the deceased’s intentions?
- Were the signing and witnessing procedures done properly?
#遗嘱信托 #长期主义 #永续经营 #守护每个家庭的梦想 #家庭信托 #马来西亚 #资产规划 #资产传承 #遗嘱继承 #保险 #法律