On 4 January 2027, My Legacy will delete funeral plans, personal information and records of where your will is kept.My Legacy changes on 4 January 2027. What to do

Rated 5.0 from 69 Google reviews

Estate planning for families in Singapore

Three key documents protect you and everything you have: a will, a Lasting Power of Attorney and your nominations. Without them, your assets may be frozen while your family waits for a court order.

Book a free first meeting

The first meeting is free, on Zoom or Microsoft Teams.

What our clients say

150+families advised
5.0 from 69 Google reviews

As of October 2026

"Finances is a very sensitive topic for me, and I've never felt more comfortable sharing my confidential finance details with anyone. I assure everyone that he can be trusted."
Hernandes Lim, Google review
"He really walks you through and gives assurance. He doesn't try to hard sell anything and only finds the most suitable ones to tailor to your needs."
Jeremiah Kevin Michael, Google review
"He has a lot of knowledge, genuine, helpful and shares with you too. He explains why he is suggesting you certain things and is a very approachable person."
Matthew James, Google review
"Had a great Zoom call with Sumit. He was open, jovial, and shared a wealth of information. Very approachable and easy to communicate with."
Ravichandran Rajagopal, Google review

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Read all 69 reviews on Google

Our philosophy

Who we are shows in the work we do for our clients. Our part is to put the right structures in place. Once everything is in order, the legacy follows.

Our people

We have different specialists for different cases.

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Talks

We hold talks for clients and their families. We also train other advisers on estate planning. Our largest training session was attended by about 100 advisers.

Liu Zi Ang with Dr Chong Kian Tai at our health talk, 4 October 2026.
Darron Mok presenting at one of our training sessions for advisers.

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See our events

Your Family Estate Map

We draw up a Family Estate Map for every family at the first meeting. This is one we prepared recently, with the family’s names and figures hidden.

Summary

Family Estate Map

The family

Prepared in October 2026 by Sumit Tiwari. This summary assumes the wife passes away first, with the documents in place today.

The family

Brother, 55
Sister, 63
Sister, 54

Her brother and sisters

Wife, 59
Husband, 60
Son, 33
Daughter, 28

What is in place today

WillLPACPF nominationCPFAMD
Wife, 59NoneNoneIn placeNone
Husband, 60NoneNoneTo confirmNone

When her estate would reach the family

  • Once the bank has processed the death
  • Within weeks, through nominations or at the insurer’s discretion
  • After the court grant, usually six to nine months

Matters requiring early attention

1

No will in place

Wills for both of them

Without a will, the estate would be shared under the Intestate Succession Act, and the family would need to apply for letters of administration.

2

No Lasting Power of Attorney

Lasting Powers of Attorney for both of them

If either of them lost mental capacity, the family would need to apply to the court for a deputy, which usually takes several months.

Names, addresses and figures hiddenSummary from an 11-page map

How we work

We work with each family over three meetings.

  1. First meeting
    Zoom or Microsoft Teams

    Your Family Estate Map

    We draw up your Family Estate Map. It shows who is in your family, what each person owns, what is already in place, and what would happen if you died or lost mental capacity. You keep the map after the meeting. This first meeting is free.

    We designed the Family Estate Map for our clients. © The Legacy Desk Pte Ltd.

  2. Second meeting
    In person

    Issues on your map

    We meet at our office or at your home so that your family can attend. We go through each issue on your map, such as a missing nomination or a will that no longer matches your wishes, and the options for each.

  3. Third meeting
    In person

    Your documents

    Your will is prepared and signed through our partners or your own lawyer. Your LPA is certified by an accredited doctor, a practising lawyer or a registered psychiatrist, and then registered with the Office of the Public Guardian. We help you with each step.

  4. After the third meeting

    Plan reviews

    We review your plan with you when your family or your assets change.

What our estate plans cover

A will, a Lasting Power of Attorney and your nominations are the starting point. Most plans also include an Advance Medical Directive and an Advance Care Plan. The times shown are estimates from the Government's Plan Your Legacy website.

If you lose mental capacity

Lasting Power of Attorney

Lets the people you choose make decisions on your personal welfare and your property and affairs.

About 10 minutes to start online

Advance Medical Directive

Tells your doctors not to use extraordinary life-sustaining treatment if you are terminally ill and unconscious.

Advance Care Plan

Records your wishes for medical care and names up to two people to speak for you.

About 30 minutes to start online

When you pass away

Will

Sets out who receives your assets and who deals with your estate. It does not cover CPF savings, policies with a nomination or property held as joint tenants.

About an hour to start online

CPF nomination

Decides who receives your CPF savings. Your will does not cover them.

About five minutes to start online

Read about each document

Our partners

We work with SimplyWills and Precepts Group on the documents in your estate plan.

SimplyWills
Precepts Group

How we are paid

The first meeting is free. If you decide to make a will or trust through one of our partners, the partner pays us. All charges are shown to you before you decide.

About us

2021Advising families since 2021.
All walks of lifeWe have advised families from all walks of life, from those starting out to those at the very top.

Who we advise

Most of our clients are between 40 and 70. Many are senior professionals from different industries in Singapore.

Assets in several names

They often own more than one property or investment, held in different names and accounts.

Who should inherit

Some have a spouse and children who depend on them. Others are single or have no children, and have not yet decided who should inherit.

Documents made at different times

Their will, CPF nomination and insurance nominations were made at different times, and no one has checked that they agree.

We help them make a will, a Lasting Power of Attorney, an Advance Medical Directive, an Advance Care Plan and nominations that agree with one another.

Estate check

Ten questions on your will, nominations, Lasting Power of Attorney and property.

It takes about three minutes. Your answers are not sent to us unless you ask for a report at the end.

Guides and articles

Guides to wills, nominations and the other documents in an estate plan.

New

My Legacy changes on 4 January 2027

Personal information, funeral plans and records of where your will is kept will be deleted from My Legacy on 4 January 2027.

Guide

The documents in an estate plan

What an estate plan covers, and how long most of the documents take to start online.

For families

Talking to your parents

Notes for adult children who want to raise the subject with a parent.

For families

When a parent dies

The death certificate, CPF savings, insurance claims and applying for a grant.

Guide

Making a CPF nomination

A CPF nomination decides who receives your CPF savings. Your will does not cover them.

Article

Why I would leave my CPF Special Account alone

Sumit Tiwari explains why he would not invest his Special Account savings.

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All guides   All articles

Questions

Is the first meeting free?

Yes. There is no charge and no obligation.

How does the first meeting take place?

On Zoom or Microsoft Teams. The second and third meetings are in person, at our office or at your home.

Will I be asked to buy anything?

We may recommend a will or a trust, but you are under no obligation to act on it. Our partners pay us only if you decide to go ahead through them.

I already have a will. Should I still meet you?

Often, yes. A will does not cover CPF savings, insurance policies with a nomination, or property held as joint tenants. We can check that each of these is arranged the way you want.

More questions

Contact

Your first meeting is free and takes place on Zoom or Microsoft Teams. To book, email us or message us on WhatsApp.

We advise Singaporeans and Permanent Residents in English, Mandarin and Bahasa Melayu.

General enquiries

To speak to Sumit directly

WhatsApp