Estate Planning is a process. It involves people—your family, other individuals and, in many cases, charitable organizations of your choice. It also involves your assets (your property) and the various forms of ownership and title that those assets may take. And it addresses your future needs in case you ever become unable to care for yourself.


What is a Will?

A Will is a legal document where you list down your wishes and these wishes will only be acted upon in your absence.


Why you need a Will?

Without a Will, your assets could be more troublesome than beneficial to your family at a time when they are most vulnerable. They could become involved in a long drawn process with the law or a complex legal battle. Without a Will, the law will decide who your beneficiaries should be. You should never assume that your assets would go to the person you want to benefit. Leave nothing to chance. Make a Will and the law will protect your wishes.

With a Will, you can:
• Decide who shall be your beneficiaries
• Determine what asset goes to each beneficiary and when they are to receive.
• Appoint an experienced Executor to administer you estate.
• Specify which asset should be used to pay your debts first.
• Avoid administration bond.


What is a Trust?

A Trust is an estate planning instrument to ensure that protection and preservation of specified asset(s) for the named Beneficiaries while in the safe hands of the Trustee.


Why you need a Trust?

The Moneys in the Trust can immediately be used to provide for the dependants. This is because the Trust assets are not part of the Testator’s estate!