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PT EPPL Legacy Planner Split Your Legacy Wisely. Don't let it split your family. Contact us to help you begin with an end in mind and protect your loved ones.
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23/06/2026

Teach Your Kids Budgeting by Using Trust

Comment “trust” and get your free seminar invite to find out how to safeguard your loved ones fully.

What if giving your child a large inheritance at the wrong time could destroy everything you worked so hard to build?

This is a famous Hong Kong celebrity. We call her Fei Fei, but unfortunately, she was told she would die early. So she died at 62. She set up a trust and told her daughter, who was then 21, Mommy, don't know whether you can manage money or not. So I will keep the money locked up. I will give you every month $5,700 to spend.

So can I ask you, $5,700, is it a lot? Is it enough for a month? Can survive? But this girl, before the 10th of every month, broke already. Why? When you are rich and you splurge freely, everyone wants to be your friend. You treat people, suddenly everyone is close to you. But when there is no money, who remains?

It was tough for her. She had to learn judgment. Adulting is a process. Money is an important part of growing up. Lack of money can be an even greater teacher.

After many years of managing only $5,700 a month, she became wiser. She learnt who her real friends were, who was just taking advantage of her, and how to be financially prudent. Financial prudence is crucial. If beneficiaries do not have it, no matter how much you leave behind, it can disappear.

At 35 years old, after 14 years of discipline and growth, the trust ended. In 2022, she received the remaining $17 million. By then, she was ready.

This is how a trust works. It buys time. It ensures the right age and right maturity before full inheritance. The wrong timing can lose everything. The right timing can secure generations.

Your wealth deserves more than just distribution. It deserves protection, structure, and purpose.

This video is brought to you by PT Estate Planning Pte Ltd. All rights reserved.




22/06/2026

Protect Your Children’s Inheritance the Right Way

Comment “trust” and get your free seminar invite to find out how to safeguard your loved ones fully.

What if just five missing words could cost your family six figures and tear them apart in court?

A loving father wanted the best for his children. Battling leukemia, he set up a trust to give each child $15,000 a year. It sounded simple and thoughtful. But because five critical words were left out, the family ended up in a costly legal battle instead of honouring his wishes.

The issue wasn’t his love. It wasn’t his wealth. It was unclear instructions.

With proper trust planning, those five words would have clearly stated where the funds were to come from, preventing confusion, conflict, and unnecessary legal fees.

Estate planning is not just about having documents in place. It is about making sure every detail is structured clearly so your intentions are carried out exactly as planned.

When it comes to protecting your loved ones, clarity is kindness. Work with professionals who ensure nothing is left to interpretation, so your family receives peace, not problems.

This video is brought to you by PT Estate Planning Pte Ltd. All rights reserved.

22/06/2026

Do Not Copy Other People's Template Will Blindly

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Think doing your own Will is simple? Watch this before you copy a template online.

One small mistake can cost your family time, money, and unnecessary stress.

In Singapore, it’s not just about writing who gets what. Different laws apply. Under certain laws, unmarried daughters can still claim maintenance. HDB flats cannot simply be given to anyone, especially non-citizens. Landed property has ownership restrictions. If you have children, you need proper guardianship clauses. Every family situation is different.

Yes, you can draft your own Will. But if you don’t fully understand the Wills Act, HDB Act, Land Titles Act and other relevant laws, you may unintentionally create problems instead of solutions.

You are worth millions over your lifetime. Don’t shortcut something meant to protect the people you love most.

This video is brought to you by PT Estate Planning Pte Ltd. All rights reserved.




22/06/2026

What if you cannot inherit your family assets

What if your loved ones inherit your assets… but also a huge legal headache they never saw coming?

Comment "trust" and get your free seminar invite to find out how to safeguard your loved ones fully.

I recently came across a case involving a 150 million estate. The mother appointed the son as beneficiary and the daughter as executor. Sounds fine on paper. But when the executor does not act, everything stalls. Beneficiaries can sue, but no one can force efficiency or harmony.

For HDB, once notified of death, you typically have six months to settle matters. If not, action will be taken. For private property, things can drag on for years. Maintenance fees continue to be deducted automatically. If payments stop and arrears pile up, the condo can eventually force a sale.

The real risk is not having property. The real risk is having property that becomes unmanaged, undiscovered, or stuck in dispute. That is when valuable assets can be lost at a fraction of their worth.

A smooth probate process comes down to three essentials: the death certificate, the original will, and a clear schedule of assets. Miss one, and delays begin.

Proper estate planning is not about fear. It is about clarity, speed, and protecting the people you care about from unnecessary stress.

This video is brought to you by PT Estate Planning Pte Ltd. All rights reserved.




19/06/2026

What Happen if Ah Gong Dies without a Will?

Comment “trust” and get your free seminar invite to find out how to safeguard your loved ones fully.

What if one missing document could freeze your entire estate for years?

Imagine three beneficiaries… but no Will. Someone has to step up as administrator. And if there’s no trust, no one will renounce their rights. The process gets stuck before it even begins.

This is how estates become “jammed” in Singapore. Properties left untouched. Homes locked up for decades. Families waiting for an entire generation to pass before matters can move forward again.

When there’s no Will, your loved ones must apply for a Letter of Administration. It’s more complex, more costly, and often emotionally draining. Delays can stretch for years.

Proper estate planning isn’t just about distributing assets. It’s about preserving harmony, preventing disputes, and ensuring your family can move forward smoothly.

Take action early. Put the right structures in place. Protect what you’ve built and the people you care about.

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18/06/2026

CPF Nomination Hack 98-1-1

Comment “trust” and get your free seminar invite to find out how to safeguard your loved ones fully.

What happens if both parents pass on together and CPF nominations are done only to each other?

In a common disaster, the CPF monies can become intestate. That means unnecessary delay, uncertainty, and potential complications for your children.

A simple improvement? Instead of naming only your spouse, consider allocating 98% to your spouse and 1% to each child. This ensures that if the unexpected happens, the surviving beneficiaries will still receive the estate smoothly.

For families with young children, there is an even better solution. Because CPF nominations have limitations, setting up a CPF Trust allows your CPF monies to flow into a private trust. From there, funds are properly managed and released to support the appointed guardian in caring for your children.

Estate planning is not just about distributing assets. It is about making things easier, faster, and safer for the people you love most.

Secure it properly. Plan with clarity. Protect with intention.

This video is brought to you by PT Estate Planning Pte Ltd. All rights reserved.

18/06/2026

Be Fair to Your Parents, Return Them Their Money

Comment “trust” and get your free seminar invite to find out how to safeguard your loved ones fully.

What happens to your parents if you are no longer around?

Many parents in Singapore sell their home to move in with their children. They contribute their savings, sometimes $500,000, $800,000 or more, to help upgrade to a bigger property. It feels practical. It feels loving. It feels safe.

But if the child passes away unexpectedly, what happens next?

In a joint ownership, the house automatically goes to the spouse. The surviving spouse may choose to keep, sell, or downgrade. Your parents, who gave up their own home, may suddenly have no guaranteed place to stay. Even with a good relationship, uncertainties and insecurities can arise when you are no longer there to mediate.

Being fair is not just returning the money they once gave you. True planning means asking:

• Should the $800,000 be returned, adjusted for inflation?
• Should there be a lump sum that allows them to buy their own fully paid home?
• Should there be an income stream that supports them for life, as if you are still around?
• Is there an exit strategy so they never have to rely on anyone’s goodwill?

Good estate planning is not about taking away from your spouse or children. It is about giving everyone options. When there is clarity, relationships stay strong. When there is provision, dignity is preserved. When there is planning, love continues even in your absence.

A Will alone may not solve this. A proper trust and structured arrangement can ensure your parents are protected, your spouse has flexibility, and your children’s future remains secure.

This video is brought to you by PT Estate Planning Pte Ltd. All rights reserved.

17/06/2026

Could Your Kids Force Your Parents Out of the House?

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What happens to your parents if both you and your spouse are suddenly gone?

Many couples focus on leaving the house to their children. But have you considered this — if your parents sold their own home to live with you, and one day the children legally own the property, what happens if they decide to sell? Where will Ah Kong and Ah Ma stay?

Estate planning is not about fearing the worst. It is about creating clarity, protection and dignity for the people who raised you.

With proper planning, you can set aside funds for your parents to have their own fully paid place nearby. If everyone lives together happily, that fund becomes a safety net. If not, your parents still have independence, security and peace of mind.

The right structure ensures love is preserved, relationships are protected, and no one is left vulnerable.

Plan wisely. Protect fully. Provide confidently.

This video is brought to you by PT Estate Planning Pte Ltd. All rights reserved.

17/06/2026

Protect Your Wife, Even if You are no Longer Around

Comment “trust” and get your free seminar invite to find out how to safeguard your loved ones fully.

What happens to your spouse and kids if you’re no longer around… and someone new enters the picture?

Most people think a Will is enough. But a Will cannot control what happens after your assets are distributed. If you truly want to protect your spouse while safeguarding your children’s inheritance, you need the right structure in place.

Now, B can also remarry, but B will find it harder to have a remarriage if still staying with their own in-laws. Very real ma? But you're worried that if your wife has so much money and a landed house, the wrong people may come into her life. She can be very vulnerable. Then I will have to send in some extra protection clause to ring fence against unwanted suitors. Because I cannot prevent my spouse from remarrying. It's not right, I feel la. As long as she takes care of the kids properly and having the right person in her life to continue her journey, I think it's fair. But I don't want the wrong person coming because of money. I'll consider that my trust will provide to my spouse every month $15,000. If she remarries, the $15,000 a month stops. So she must be smart to find the right person to remarry. Because the person who remarries must have a high barrier of entry one. So she will meet someone who's even richer than me. Should meet someone richer than me. They give her a better life. Don't let her become pun pun, go and choose a lousy man. It's to marry the right person who will take care of my kids also. Because I want my kids to have the biggest inheritance. So I'm just teaching you some ideas.

With proper estate planning, you can provide monthly income for your spouse, protect against unwanted risks, and ensure your children receive the inheritance you worked so hard to build. It’s not about control. It’s about care, clarity, and protection done the right way.

This video is brought to you by PT Estate Planning Pte Ltd. All rights reserved.

17/06/2026

CPF nomination saves your family endless trouble

Comment “trust” and get your free seminar invite to find out how to safeguard your loved ones fully.

What happens to your money if no nomination is done? Most families only discover the hard way.

If you have friends or family members who did not make any nominations, and their loved ones go to the Public Trustee’s Office, it will not be simple. With no nomination, the money remains with the Public Trustee.

When you request for the funds to be released, you will be asked to provide documents. You say you are related to the deceased, perhaps the brother. Can you prove it? Do you have the deceased’s birth certificate? How many people actually keep their siblings’ birth certificates? What about your parents’ marriage certificate? The birth certificates of all brothers and sisters?

These are documents you must provide to a third party to prove your relationship. Without them, the money cannot be released.

After a while, many Singaporeans feel it is too troublesome, too complicated, too tiring. Some eventually give up and do not claim what is rightfully theirs.

The good news is this: with proper planning and clear nominations, your family will not have to go through this stress. You can make it simple, smooth and dignified for them during an already difficult time.

Take action early. Protect fully. Give your loved ones clarity, not complications.

This video is brought to you by PT Estate Planning Pte Ltd. All rights reserved.

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