A trust may not be right for everyone, but they may play a key role in proper estate planning!
A lot of people think trusts are only for the super wealthy — not true. Trusts can benefit anyone who wants to manage how they leave their money to their family. A trust can give you control over who gets what, and when, how they get it, and why.
How do trusts work? Trusts are like containers you can put things in to. You, the grantor, can place assets – like your house, life insurance policies, investments, and other possessions – into a trust. These assets become property of the trust, and are managed by your trustee. You appoint the trustee to ensure your wishes are carried out. As grantor, you decide who receives the assets inside your trust. Typically, your spouse, your children, grandchildren, and charities of your choice are the beneficiaries who receive the assets held in trust.
When you create a trust, you determine how the funds inside your trust will be used, and when they will be dispersed.
For example, you may want to use assets in your trust to jump-start your children’s careers when they’re 25. Or supplement their retirement when they turn 60. Or pay college tuition expenses for your grandchildren. Or provide annual scholarships to your alma mater. Your appointed trustee ensures everything is managed according to your instructions.
It’s important to know there are different kinds of trusts for different purposes.
Some are designed to manage who receives your assets, and when. Others may offer tax planning benefits. Make sure you work with financial experts, so that your trusts are properly structured to carry out your specific intentions.
Trusts can offer you and your family many financial advantages. Talk with your advisor and an estate planning attorney. Find out how trusts can help you create a lasting legacy for those you love the most.
| Certified Estate Planner
| 20+ Years in Wealth Management
| Holistic, Personalized Wealth Strategies
| All-in-one Solution from Singapore’s largest FA
👨👩👧👦 Empowering You To Build Financial Security And A Lasting Legacy
I get it. A decade in Asian IT sales taught me resilience — the dot-com crash taught me reinvention.
The dot-com crash reshaped everything, showing me the need to take control of my own financial future.
That turning point led me to wealth management, uncovering my passion for guiding others to grow and protect their financial futures.
💎 Lessons learnt: “Don’t just work hard for the money, but make money work smart for you.”
Estate and legacy planning deepened my purpose: true wealth means more than numbers — it’s securing your family’s story and values for generations.
Now I combine two decades of experience with a client-first, heartfelt approach.
I focused on what matters most — balancing financial growth with real-life protection.
👨👩👧👦 Today, I help families design holistic wealth strategies that endure through change.
🎯 My vision: I believe wealth should empower family values and create lasting legacies.
Holistic planning empowers you to:
🌟 Grow, protect, and preserve your wealth in alignment with your values, vision, purpose, and goals.
🌟 Navigate life’s uncertainties with confidence via risk-managed strategies.
🌟 Engage in a comprehensive, top-down, and goal-driven approach.
🎯 You’ll get:
✅ CLARITY ⇒ from tailored strategies — wealth growth, protection, and preservation aligned to your objectives.
✅ PEACE OF MIND ⇒ from confidence in managing risks — life events, market volatility, and asset ownership, so you can focus on what matters most.
✅ PROTECTION ⇒ from clear insight into risk exposures — blind spots and portfolio vulnerabilities to safeguard your financial legacy.
💎 Here’s what my clients told me matters most:
➡️ Clear strategies that work: I restructured one client’s portfolio and and re-balanced regularly, doubling his returns in 5 years.
➡️ Protection when it matters: When a client was diagnosed with cancer and lost her job, her critical illness waiver kept her coverage intact.
➡️ Fiduciary advisory that puts the client’s interests at heart — not just pushing product sales.
➡️ Educating Clients on the risk of the products purchased — not just the benefits.
➡️ Estate plan that protects their assets and provide liquidity during crisis – providing them peace of mind.
🤝 If these concerns resonate with you, let’s together build a wealth blueprint for your legacy.
📧 Email me @ sofantan@fapl.sg
➡️ www.linkedin.com/in/sofantan-cep
