Why Estate & Legacy Planning Is More Than Just Writing a Will
Introducing the HELP (Holistic Estate & Legacy Plan) Approach
Most families believe a will is enough.
But a will only answers one question: “Who gets what?”
A real plan must go further — it must protect your loved ones, preserve harmony, honour your values, and provide clarity during life’s most difficult moments.
That is why a Holistic Estate & Legacy Plan (HELP) matters.
Estate Planning: Important but Incomplete
Traditional estate planning covers:
Essential — but limited.
A will alone cannot guide your family through:
This is where most people unknowingly remain unprotected.
Legacy Planning: The Human Dimension
Legacy planning asks deeper questions:
It includes:
Credible sources define legacy planning as extending beyond wealth to include values, intentions, and emotional continuity.*
Why HELP Is Different
HELP brings together:
1. Legal Clarity
Will, Trusts, CPF nominations, LPA, and medical directives — ensuring your wishes are honoured.
2. Financial Continuity
Insurance, liquidity planning, business succession, retirement alignment — the practical support your family needs.
3. Family Harmony & Values
Communication guidance, legacy letters, instructions for caregivers — turning your intentions into clarity.
Modern wealth research affirms that estate planning is strongest when integrated with holistic financial planning.*
The Real Benefits of a Holistic Plan
A complete estate & legacy plan provides:
It ensures not just what you leave behind — but how you leave it.
Your Story Deserves More Than a Will
Estate planning answers:
“What happens to my assets?”
Legacy planning answers:
“What happens to the people I love?”
HELP brings both together — so your wealth becomes a blessing, not a burden, and your life story continues with purpose and dignity.
Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek unbiased financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.
Hock Beng (福明) is a highly qualified individual in the field of financial planning and consultancy. His impressive array of certifications, including Certified Financial Planner, Chartered Financial Consultant, Chartered Life Underwriter, and Chartered Family Office Specialist, reflects his dedication to mastering various aspects of financial services.
Moreover, his active involvement in community initiatives and appointments in prestigious organization such as the Financial Planning Association of Singapore (FPAS) and IFPAS underscores his commitment to the profession and the betterment of the financial planning industry.
Hock Beng’s roles as an Honorary Treasurer, Exam Board Chair, and member of various sub-committees demonstrate his leadership capabilities and his willingness to contribute to the advancement of financial education and standards.
As a certified instructor with Financial Perspectives and an Adjunct Trainer with Falco Academy, Hock Beng not only enhances his own expertise but also shares his knowledge and skills with aspiring financial professionals, thereby enriching the industry as a whole.
Currently, Hock Beng’s focus on managing a team of independent financial adviser representatives highlights his leadership and mentoring abilities. Through training, mentoring, and coaching, he plays a pivotal role in developing the next generation of financial advisers, ensuring that they uphold the highest standards of professionalism and service to clients.
For decisive action towards financial guidance, mentorship, coaching, or professional collaboration, don’t hesitate to call/WhatsApp Hock Beng today.
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By submitting this form, I confirm that
提交此表格,即表示
In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.
根据《个人数据保护法》,鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料(例如姓名,证件号码,联系电话,邮寄地址,电邮地址和照片)。 该政策可在本公司网站上查寻,网址为 https://fa.com.sg/data-protection-policy/.
By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.
提交此表格,即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策