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NO TABOO, WHEN WRITING A WILL CAN ACTUALLY AVOID FAMILY DISPUTES

Estate Planning is something every one must do.

We will keep updating you with more estate planning news in the coming months.

Stay tuned & happy reading!

1. Sin Chew Online

      Spreading love after passing away: Write a will during one’s lifetime can give a family the best in life (DOWNLOAD HERE)

2. Sin Chew Online

      Spreading love after passing away: No taboo as writing a will can avoid family disputes (DOWNLOAD HERE)

3. The Edge Markets Online

      AMMB sells off entire 80% stake in AmTrustee for RM9.13 million (DOWNLOAD HERE)

Contact us for your estate planning, info@MSolutionsAdvisory.com

Rockwills revised fees (effective 01.10.2016)

Please take note that our revised fees will take effect from 1^stOctober 2016.

REVISED WILL FEE

TYPES OF WILL	CLAUSES	RETAIL PRICE
Basic Will	Up to 9	RM   480
Intermediate Will I	10 – 12	RM   600
Intermediate Will II	13 – 15	RM   750
Comprehensive Will I	16 – 18	RM   900
Comprehensive Will II	19 – 21	RM 1,100
Comprehensive Will III	22 – 24	RM 1,300
Exclusive Will I	25 – 27	RM 1,600
Exclusive Will II	28 – 30	RM 1,900
Exclusive Will III	Above 30	RM2,200 – RM18,100

Note: All fee quoted is subjected to 6% GST

REVISED TRUST FEE

TRUST	CLAUSES	SET-UP FEES
a) Insurance Trust (UProtect) b) Declaration of Trust (UDeclare) c) Single Parent Trust (UProvide)   d) Cash Trust (UCash) e) Private Trust (All fees quoted includes stamp duty and disbursements)	Below 15	RM1,000
	15 – 17	RM1,250
	18 – 19	RM1,500
	20 – 21	RM1,750
	22 – 23	RM2,000
	24 – 25	RM2,250
	26 – 27	RM2,500
	28 – 29	RM2,750
	Above 29	RM3,000 – RM18,000

Note: All fee quoted is subjected to 6% GST

Please remind and encourage your existing clients to finalise their pending Will/ Trust cases before 1^st October 2016.

Thereafter, the revised fees shall be applicable.

(理财师) 不卖产品，根本找不到吃! 对吗？

“理财师” = Financial Adviser
“代理员” = Agent
顾问收费 = Advisory Fee
财务方案 = Financial Solutions

日前有专家提出，本地财务规划师因同时身兼“理财师”及“代理员”二职，收入也受佣金结构影响，在利益冲突下，可能会倾向于向客户推介自己佣金最高的产品，而非最适合客户的产品。（AskChong: 看你遇见的是有诚信的，还是商业化的理财师）

因此有关专家建议，我国应学习欧美国家的模式，将理财师及代理员区分开来，朝向以顾问收费为基础的模式，只提供适合客户的财务方案，不卖产品。(AskChong: 可是‘产品’就是‘方案’）

其实，这个道理谁都懂，也曾有不少人提出这番见解，但至少至今为止，仍是知易行难。

不舍得付顾问费

原因很简单，第一：我们还没有愿意付费的环境、第二：许多人仍不舍得花这笔钱、第三：供需方面的条件皆未成熟。 

先说第一项，绝大部分国人对理财的觉醒还不够，即不认为理财重要或必要，也不认为需要找专业的理财师提供这方面的咨询。即使有，许多国人都误认为理财师或财务规划人员收取的顾问费很昂贵，给不起，或不舍得给。（AskChong: 绝对认同）

第二，在理财方面觉醒度较高的国人，则仍不舍得付顾问费，因为认为自己会理财，没必要给理财师赚这笔钱。（AskChong: 绝对认同）

第三，就因为这方面的需求还偏低，理财产品或服务供应商即保险公司、信托基金公司等，继续偏重于销售本身的产品，而非推出纯粹为客户财务需求打造的个人理财产品或服务。

更甚的是，时至今日，仍有许多国人误解理财师最终的目的，是要卖自己的产品，而非纯粹站在客户的利益。（AskChong: 认同，好的理财师需要努力，改变国人的观念）

http://www.nanyang.com/node/761986?tid=743

Why create a Trust (when you have written a Will) ??

You don't need to be rich or super rich to create a Trust.

Trust can do many things that the Will cannot:

1. Distribute immediately;
2. Protect against creditor in bankruptcy (conditions apply)
3. Provide confidentiality 
4. Provide for beneficiaries secretly (by using discretionary trust).

Despite advantages of Trust, Will must always be written to cover the rest, i.e. you can have both Will and Trust together.

How to fund the Trust?

No one will put all money they have now into a Trust, so how can create a Trust now? Actually, one can create Trust and fund it later with something like Insurance Policies.

Insurance policy and Trust can work hand-in-hand towards common goals, e.g.

• financial support to you and your loved one in the event of death or total permanent disability (or even critical illness)
• pay for children's future education and expenses

As there are short-coming of named beneficiaries in the insurance policy, the alternative is using a Trust to distribute the insurance proceeds. An insurance policy cannot do the following:-

• Conditions to distribute (it is not possible to set conditions)
• Periodical distribution to beneficiaries (it pays one lump sum)
• Pay to Minor (it pays to surviving parent or ..... Amanah Raya Berhad as public trustee)

Who can benefit from Insurance Trust?

(A Trust funded with Insurance Policies)

• Anyone with Minor (young children) / Dependents
• 2nd Family
• Children with special needs