Pisteuo Group

Pisteuo Group Pisteuo--会赚钱的遗产规划师 | Pisteuo Advisory – Your Trust Services & Wealth Planning Le Back then, we started with only twenty trust consultants.

Pisteuo is named after a Greek word recorded in the Bible, meaning [Faith], [Belief], [Trust]. This really fits our co-founders’ philosophy of promoting and educating for financial services and estate planning. Today, we have over 1000 trust consultants scattered all across Malaysia. It is our mission to build lasting relationships with our individual and corporate clients by providing them with Will and Trust advisory that suit their changing needs.

真正的家族财富管理，不止于资产规模，更取决于在风险来临时能守住多少。信托以独立法律架构实现风险隔离、资产保护，在政策调整、经营风险与家族争议中，持续维持财富的安全边界与治理秩序。前瞻规划与专业架构，让家族资产在复杂环境中依然独立、可控、可传...
05/06/2026

真正的家族财富管理，
不止于资产规模，
更取决于在风险来临时能守住多少。

信托以独立法律架构实现风险隔离、资产保护，
在政策调整、经营风险与家族争议中，
持续维持财富的安全边界与治理秩序。

前瞻规划与专业架构，
让家族资产在复杂环境中依然独立、可控、可传承。
🎯 课程： 《信托与传承规划》你必须懂的五件事
🎯 主讲：拿督蔡明敏
🎯 日期：本周六
🎯 时间：3.00-4.30PM
🎯 地点：ZOOM线上课程
🎯 语言：华语
🛎️【如何报名上课？】
1️⃣ 请点击此链接：https://event.webinarjam.com/register/18/vp4ygc9
2️⃣ 在网页下方，找到【登记】并点击进入
3️⃣ 请输入您的个人资料
4️⃣ 开始进入课程
💢💢💢座席有限，报名从速！💪🏻💪🏻💪🏻
你可以学到什么❓ 🤔🤔🤔
💰 什么是信托？
💰 信托规划可以解决什么问题？
💰 做传承规划，有立遗嘱就够了吗❓
💰 什么是创造财富的概念❓
💰 豪门富过三代的秘密
💰 创造+守护+传承财富的智慧

Trust & Celebrities : Charmaine Sheh (Hong Kong Actress )At age 50, actress Charmaine Sheh has reportedly arranged a HK$...
04/06/2026

Trust & Celebrities : Charmaine Sheh (Hong Kong Actress )
At age 50, actress Charmaine Sheh has reportedly arranged a HK$200 million estate plan that leaves her wealth to her mother and brother while also establishing a dedicated fund for her pets. Unmarried and without children, she has stated that her primary financial goal has always been to ensure her mother’s comfort and security in later life.

Her estate reportedly includes several prime Hong Kong properties, investment holdings, and business interests. Rather than using a simple will, the assets are planned to be distributed through a family trust structure. Under this arrangement, her mother is the primary beneficiary, her brother receives the remaining assets, and funds are specifically allocated for the care of her pet cats.

The case highlights a growing trend in modern wealth planning, particularly among financially independent individuals who are single or child-free. It reflects the idea that wealth does not have to be passed to descendants and can instead be directed according to personal values and family priorities.

A testamentary trust offers several advantages. It enables clear management of real estate and financial assets, reducing the risk of inheritance disputes and ownership uncertainties. Trusts can also provide ongoing support through regular payments and coverage of healthcare or caregiving expenses. Their flexibility allows individuals to tailor distributions, set aside emergency funds, and ensure that both wealth and personal values are preserved across generations.✒️
If you are interested to learn more about Trust and General Estate Planning, the benefits of making one and how to go about doing so, please contact us at : 03-7732 6189 or visit our website: https://pisteuoadvisory.my

在财富管理这个行业，我们见过太多聪明人，也见过太多辛苦人。但真正能走到最后的，从来不是只靠努力的人。“认知比勤奋重要”“趋势比努力重要”“方向比方法重要”如果你认同这三句话，你也许就是我们想找的人。我们是——一家专注家族信托的专业机构。我们...
01/06/2026

在财富管理这个行业，我们见过太多聪明人，也见过太多辛苦人。
但真正能走到最后的，从来不是只靠努力的人。

“认知比勤奋重要”
“趋势比努力重要”
“方向比方法重要”

如果你认同这三句话，
你也许就是我们想找的人。

我们是——一家专注家族信托的专业机构。
我们不缺“打鸡血”的人，我们需要的是：
愿意先提升认知，再付出勤奋的年轻人。

我们给你：
📌清晰的行业趋势赛道（家族信托，未来十年的黄金领域）
📌正确的职业方向（专业顾问，不是销售机器）
📌有效的方法论（系统培训+真实案例实操）

我们希望你：
🎯对“财富的延续与传承”有正确的观念
🎯愿意用一段时间，扎实学习法律、税务、金融工具
🎯相信长期主义，不追求一夜暴富

一个人朝着正确的方向
持续努力的速度
就是成功的速度。

我们不承诺轻松高薪。
我们承诺：你的努力，会被正确的方向放大。
如果你决定加入我们，请联系：03-7732 6189，或电邮至：[email protected]

True family wealth is measured not by how much is accumulated,but by what remains protected when risks arise.With an ind...
29/05/2026

True family wealth is measured not by how much is accumulated,
but by what remains protected when risks arise.

With an independent legal structure, trusts safeguard assets,
preserving stability and governance through market shifts
and family disputes.

Forward-looking planning ensures assets stay independent,
controlled, and ready for seamless succession.
🎯 Trust & Legacy Planning-The 5 Things You Must Know
🎯 Speaker: Dato' Eagle Chua
🎯 Date: This Saturday
🎯 Time: 3.00-4.30pm
🎯 Language: English
🎯 Venue: Your Home-Zoom Class
💥Limited Seats! Hurry Up! Register Now!
🛎️【How to register for Zoom Class?】
1️⃣ Please click this link: https://event.webinarjam.com/register/19/n0z7ytg
2️⃣ Scroll down on the webpage, find 【Register】, and click to enter.
3️⃣ Enter your personal information.
4️⃣ Start accessing the course.
What can you learn❓ 🤔🤔🤔
💰 What is a trust?
💰 What problems can trust planning solve?
💰 Is having a will enough for estate planning❓
💰 What is the concept of wealth creation❓
💰 The secret to wealthy families lasting three generations
💰 The wisdom of creating, protecting, and passing on wealth.

信托案例分享【防止并约束子女挥霍】📌案例分析：陈总是一位成功的商人，多年打拼积累了可观的财富。然而，他唯一的儿子却花钱毫无节制，不但生活奢侈，还经常四处借贷，让陈总十分担忧。陈总深知，若未来直接将全部财产留给儿子，很可能短时间内便被挥霍一空...
28/05/2026

信托案例分享【防止并约束子女挥霍】
📌案例分析：陈总是一位成功的商人，多年打拼积累了可观的财富。然而，他唯一
的儿子却花钱毫无节制，不但生活奢侈，还经常四处借贷，让陈总十分担忧。陈总深知，若未来直接将全部财产留给儿子，很可能短时间内便被挥霍一空，辛苦建立的财富也无法真正保障下一代的未来。其实，这是许多创一代共同的焦虑：自己辛苦打拼，最怕孩子不学无术、挥金如土，最终家财散尽，连家族的未来也无从保障。
💡解决方案：为了避免这种情况，陈总决定通过设立家族信托来规划财富传承，并将儿子列为受益人。通过信托机制，财产不会一次性全部交到儿子手中，而是根据不同人生阶段及实际需要，分批、有条件地发放，例如：固定的生活费、医疗金、婚育金、创业金等。这样既保障了儿子的基本生活与关键节点需求，又避免了因一次性获得大额财产而导致的挥霍。同时，信托也可加入约束条款，例如若儿子涉及赌博、恶意透支或其他不良行为，信托资金将暂停发放。

这不仅是财富传承的安排，更是一种引导与保护。陈总希望通过家族信托，让儿子体会到父亲的良苦用心，逐渐改正无节制的消费习惯，学会珍惜和管理财富。
欲了解更多有关点信托详情，欢迎咨询：03-7732 6189 或浏览网站：https://pisteuoadvisory.my

【All About WILL】After signing the Will, if the testator divorces his wife who is a beneficiary in the Will, will she be ...
27/05/2026

【All About WILL】After signing the Will, if the testator divorces his wife who is a beneficiary in the Will, will she be able to receive the gift mentioned in the Will?
A: Yes, she will. A divorce does not render a Will null and void. Unless the testator revokes or amends the Will after the divorce, the former wife may still be entitled to receive the gift stated in the Will. This is because the Will remains legally valid until it is replaced, revoked, or declared invalid by the court. Therefore, it is important for a testator to review and update his or her estate planning documents whenever there is a major life change, such as divorce, remarriage, or the birth of children. Failing to revise the Will may result in unintended beneficiaries inheriting part of the estate.
If you are interested to learn more about Will and General Estate Planning, the benefits of making one and how to go about doing so, please contact us at : 03-7732 6189 or visit our website: https://pisteuoadvisory.my

生命周期四阶段传承策略，守护子女每一步很多人以为“财富传承”只是百年后的遗产分配，其实更重要的是：父母如何在孩子成长的不同阶段，提前做好安排，帮助他们避开未来可能面对的风险。随着孩子年龄、身份和责任改变，家庭面对的问题也会不同，因此传承规划...
20/05/2026

生命周期四阶段传承策略，守护子女每一步

很多人以为“财富传承”只是百年后的遗产分配，其实更重要的是：父母如何在孩子成长的不同阶段，提前做好安排，帮助他们避开未来可能面对的风险。随着孩子年龄、身份和责任改变，家庭面对的问题也会不同，因此传承规划也应该分阶段进行。

📌第一阶段：子女未成年

这个阶段最重要的是：确保孩子未来的生活费、教育费不会因为父母发生意外而中断，也避免资金被他人随意使用。

父母可以通过人寿保险、定期存款、保险金信托等方式提前准备。例如，当父母发生突发状况时，人寿保险能够马上提供一笔资金，保障孩子继续生活和读书；而保险金信托则可以规定资金用途，例如只用于教育、医疗或生活费，避免孩子年纪太小无法管理大笔财富。

这一阶段的重点，不是留下多少财富，而是确保孩子在最需要保护的时候，生活不会失去依靠。

---

📌第二阶段：子女准备结婚

孩子长大准备结婚后，家庭需要开始考虑婚姻带来的财产风险。现实中，很多家庭因为婚姻问题、债务问题或创业失败，导致父母辛苦积累的财富被牵连。

因此，这个阶段的重点是“提前隔离风险”。常见方式包括家族信托、婚前财产协议、人寿保险等。比如，婚前协议可以清楚区分哪些属于孩子个人财产；家族信托则能让部分资产独立于婚后共同财产之外，减少未来纠纷。

简单来说，这阶段不是不信任婚姻，而是希望孩子未来无论遇到什么变化，都还能保有自己的保障与底气。

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📌第三阶段：子女婚后成家

孩子婚后，父母面对的风险会更加复杂。比如，赠送给孩子的钱可能变成夫妻共同财产；创业失败可能影响家庭资产；甚至孩子消费无节制，也可能让财富快速流失。

因此，父母在帮助孩子时，也需要保留一定的保护机制。常见工具包括赠与协议、家族信托、保险金信托等。例如，赠与协议可以注明“只赠与子女个人”；家族信托还能设定资金使用规则，例如达到某些条件后才能动用资金。

这一阶段最重要的是：既支持孩子发展，也避免家庭财富因为婚姻、债务或挥霍而失去保障。

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📌第四阶段：父母最后安排

到了人生后期，父母最担心的，往往不是财富多少，而是家人之间会不会因为财产产生矛盾。现实中，很多家庭因为遗产分配不清、手续不完整，最后演变成争产问题。

因此，父母应提前做好最后安排，例如立遗嘱、设立家族信托、安排保险金受益人等。这些工具可以帮助明确财产分配方式，减少继承纠纷，也能保护年幼子女或孙辈的权益。

真正好的传承，不只是把财富留下，更是把爱、责任与家庭关系稳定地延续下去。
如果你有兴趣了解更多关于信托的相关信息，了解设立信托的好处以及如何操作，请联系我们：03-7732 6189，或访问我们的网站：https://pisteuoadvisory.my

【Trust QnA】Does a Settlor Need the Spouse’s Written Consent to Establish a Trust?Whether a settlor is required to obtain...
13/05/2026

【Trust QnA】Does a Settlor Need the Spouse’s Written Consent to Establish a Trust?
Whether a settlor is required to obtain the spouse’s written consent when establishing a trust mainly depends on the nature of the assets contributed to the trust.

If the trust assets are derived from the settlor’s personal lawful property, the spouse’s participation or signature is generally not required, and the settlor may independently decide to establish the trust arrangement.

However, the situation is different if the assets used to establish the trust constitute marital or jointly owned property. In such cases, the spouse is generally entitled to full knowledge of the arrangement, and written consent or authorization is usually required to ensure the legality and validity of the asset disposition.

This approach not only helps prevent potential future legal disputes, but also reflects respect for and protection of the property rights of both spouses. Therefore, in practice, it is advisable to confirm the nature of the assets in advance and ensure proper compliance arrangements are in place.
If you are interested to learn more about Trust and General Estate Planning, the benefits of making one and how to go about doing so, please contact us at : 03-7732 6189 or visit our website: https://pisteuoadvisory.my

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