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Build for the Next Generation
Create lasting wealth for your children and future family through Singapore's stable financial system, including education funds, protection plans, and legacy structures.
Legacy Building Solutions
Comprehensive planning options to secure your family's future through Singapore.
Education Funds
Dedicated savings and investment plans to fund your children's education at world-class institutions.
- Systematic savings plans
- Currency diversification
- Flexible withdrawal options
Family Protection
Life insurance and protection plans to ensure your family's financial security in any circumstance.
- Term and whole life options
- Critical illness coverage
- Income replacement benefits
Estate Planning
Trusts, wills, and succession planning to ensure smooth wealth transfer to your beneficiaries.
- Trust structures
- Will writing services
- Tax-efficient transfers
Why Singapore for Your Family's Future?
No Inheritance Tax
Singapore abolished estate duty in 2008, facilitating efficient wealth transfer to beneficiaries.
World-Class Education
Home to globally ranked universities and international schools with diverse curricula.
Safe Environment
One of the world's safest countries with low crime rates and high quality of life.
Strong Legal System
Robust legal framework based on English common law, with perpetual trust provisions.
Understanding Legacy Planning
Key concepts and considerations for international families planning their financial legacy.
What is Legacy Planning?
Legacy planning goes beyond simple estate planning. It encompasses:
- Building wealth that can support multiple generations
- Ensuring smooth transfer of assets to beneficiaries
- Providing for children's education and future needs
- Protecting family members in case of unforeseen events
Why Start Early?
The benefits of early planning include:
- More time for wealth to compound and grow
- Lower costs for protection when younger and healthier
- Flexibility to adjust plans as circumstances change
- Peace of mind knowing your family is protected
Planning for Education
Education costs vary significantly depending on the institution and location. Here are some general considerations:
Singapore Education Options:
- International schools with various curricula (IB, British, American)
- Globally ranked universities (NUS, NTU, SMU)
- Safe environment for young students
Key Planning Considerations:
- Start saving early to benefit from compounding
- Consider currency of education costs
- Account for living expenses beyond tuition
Key Considerations for International Families
Cross-Border Considerations
For families with international connections:
- • Different countries have different inheritance laws
- • Tax treaties may affect how assets are treated
- • Wills may need to cover assets in multiple jurisdictions
- • Professional legal advice is essential
Singapore Trust Advantages
Singapore's trust framework offers:
- • No rule against perpetuities (trusts can last indefinitely)
- • Strong asset protection provisions
- • Flexibility in trust structures
- • Professional trustee services available
Protection Planning
Ensuring family security includes:
- • Life coverage to protect dependents
- • Critical illness provisions
- • Income replacement considerations
- • Regular review as circumstances change
Succession Planning
Ensuring smooth wealth transfer:
- • Clear documentation of wishes
- • Proper beneficiary nominations
- • Consideration of family dynamics
- • Regular updates as life changes
Settling Your Family in Singapore
Moving your family to Singapore involves more than just financial planning. Through our trusted partners, we can connect you with one-stop relocation services to help with work permits, school applications, housing, domestic helper arrangements, and other daily life essentials. You can focus on your family's future while we help coordinate the practical details.
Global Wealth Transfer: 2025-2030 Outlook
The largest intergenerational wealth transfer in history is underway. Strategic planning has never been more critical.
Emerging Legacy Planning Trends
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Next-Gen Financial Literacy
Families increasingly investing in financial education programs for heirs to prepare them for wealth stewardship.
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Multi-Jurisdictional Planning
Over 50% of families considering relocating their family office to optimize global asset protection.
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Purpose-Driven Philanthropy
Rising interest in charitable foundations and impact investing as part of family legacy strategies.
Why Families Choose Singapore
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Geopolitical Neutrality
Singapore's neutral stance and stable governance attract families seeking safe haven from global uncertainties.
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Tax-Efficient Structures
Section 13O/13U incentives and zero capital gains tax make Singapore highly attractive for wealth preservation.
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Quality of Life
World-class education, healthcare, and safety make Singapore ideal for families planning multi-generational residency.
Comprehensive Education Planning
Singapore offers world-class educational pathways from primary through tertiary levels, with diverse curriculum options.
International Schools
40+ international schools offering IB, British, American, Australian, and other curricula.
Top Universities
NUS (#8 globally), NTU (#15 globally), and SMU offer world-class higher education.
Global Pathways
IB Diploma holders enjoy high acceptance rates at top UK, US, and Australian universities.
Education Fund Planning Factors
A comprehensive education fund considers multiple variables to ensure adequate preparation for your children's future.
- Inflation adjustment (typically 3-5% annually for education)
- Currency considerations for overseas education
- Living expenses beyond tuition fees
- Postgraduate or professional education options
Sample Education Fund Target
*Indicative figures only. Actual costs depend on specific choices and inflation.
Advanced Legacy Structures
Sophisticated structures for multi-generational wealth preservation and controlled distribution.
Private Trust Company (PTC)
A family-controlled trust company that acts as trustee for family trusts, providing greater control over investment decisions and family governance.
- Family retains control over trustee decisions
- Can serve as trustee for multiple family trusts
- Flexible governance and succession planning
Universal Life Insurance
High-value life insurance policies designed for wealth transfer and estate planning, with investment components and estate planning benefits.
- Tax-efficient wealth transfer mechanism
- Asset protection from creditors in many cases
- Immediate liquidity for estate settlement
Charitable Remainder Trust
Structure that provides income to family members for a period, with the remainder benefiting charitable causes you care about.
- Balance family and philanthropic goals
- Create lasting family legacy and values
- Potential tax benefits in certain jurisdictions
Family Constitution
A formal document outlining family values, governance structures, decision-making processes, and wealth management principles.
- Reduce family conflicts over wealth
- Clear succession and leadership framework
- Preserve family harmony across generations
Your Legacy Planning Journey
Discovery Consultation
We understand your family situation, goals, and the legacy you want to create for your children.
Customized Planning
We design a comprehensive plan including education funds, protection, and estate structures.
Implementation
We help you set up accounts, policies, and structures with clear documentation.
Ongoing Review
Regular reviews ensure your plan evolves with your family's changing needs.
Secure Your Family's Future Today
Start building a lasting legacy for your children and future generations. Schedule a consultation to discuss your family's needs.
Important Information
General Disclaimer: The information on this page is for general informational purposes only and does not constitute financial, legal, tax, or estate planning advice. It should not be relied upon as a basis for making any financial or legal decisions.
No Guarantee of Results: Past performance of any savings or investment strategy is not a reliable indicator of future results. The value of investments may go down as well as up, and you may not get back the amount originally invested.
Cross-Border Considerations: Legacy and estate planning involving multiple jurisdictions is complex. Laws regarding inheritance, taxation, and trusts vary significantly between countries. What is effective in Singapore may not be recognized or may have different implications in your home country.
Professional Advice Required: Before implementing any legacy planning strategy, you should consult with qualified legal advisors, tax professionals, and estate planners who understand the laws of all relevant jurisdictions.
Tax Implications: While Singapore has no inheritance tax, your country of residence or citizenship may impose taxes on inherited assets. You are responsible for understanding and complying with all applicable tax obligations.
Trust Considerations: Setting up trusts involves significant legal and financial considerations. Trusts may not be recognized in all jurisdictions, and their treatment varies. Professional trustee services involve ongoing fees and obligations.
Education Costs: Education costs mentioned are indicative only and subject to change. Actual costs depend on specific institutions, programs, and individual circumstances.
Protection Coverage: The availability, terms, and conditions of protection coverage depend on underwriting, medical history, and other factors. Coverage is subject to the terms and conditions of specific policies.