Shaik Azad

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Shaik Azad Preserve. Protect. Provide. Azad is an Islamic Estate Planner who specializes in creating customized estate plans in line with Shariah principles.

He ensures fair distribution of assets, leveraging his deep knowledge of Islamic inheritance principles.

“My family already knows what I want. Dah pesan semua. Do I still need a will?”It’s understandable. You’ve spoken to you...
07/10/2026

“My family already knows what I want. Dah pesan semua. Do I still need a will?”

It’s understandable. You’ve spoken to your spouse, told your children, and everyone seems to be on the same page. Writing it down can feel like an unnecessary step.

Those conversations matter. But we don’t always remember the same conversation in the same way.

One person remembers what you said. Another remembers an earlier discussion. Someone else understood it as a suggestion, rather than a decision.

And sometimes, your wishes change. You tell one person, assuming the rest will hear about it.

After a death, these differences can become difficult to untangle. Everyone may sincerely believe they’re honouring your wishes, while disagreeing about what those wishes actually were.

As an estate planner, I encourage families to have these conversations and put the appropriate arrangements in place. A properly prepared wasiat helps record your wishes clearly, within the limits of what it can cover.

Dah pesan is a meaningful start. Following through gives your family something clearer to refer to when you’re no longer there to explain.

That clarity is also a way of caring for the people you leave behind.

“They haven’t spoken to me for years. Why should they still inherit?”There may be years of hurt behind that question. Mu...
05/10/2026

“They haven’t spoken to me for years. Why should they still inherit?”

There may be years of hurt behind that question. Mungkin dah berkali-kali cuba, but every attempt ends in disappointment. When inheritance comes up, it can feel unfair that someone who has been absent still has a share.

I don’t know your family’s whole story, and I wouldn’t pretend to.

But a child’s faraid entitlement doesn’t disappear simply because the relationship is estranged. A wasiat cannot remove that entitlement on this basis.

That doesn’t excuse hurtful behaviour or erase what a parent has gone through. You can understand the rule and still struggle with how it feels.

For the arrangements where you do have a choice, there’s also something worth reflecting on: **what if the relationship improves, but you never get around to updating your instructions?**

You start talking again. Slowly, things become better. But the documents you leave behind still reflect a time when you were deeply hurt.

Would those instructions still express what you wanted for them?

Relationships can change. Sometimes, quietly enough that updating our plans never crosses our minds.

As an estate planner, I don’t expect you to resolve years of conflict in one conversation. Kita mula dengan keadaan hari ini, understand the limits, and give some thought to how your wishes might change over time.

You don’t need to have all your feelings sorted out before we can talk.

Every document follows its separate rule.Your old will can be revoked by a new will, or marriage. UNLESS you explicitly ...
01/10/2026

Every document follows its separate rule.

Your old will can be revoked by a new will, or marriage. UNLESS you explicitly state “in contemplation of marriage”. Divorce does not revoke the will.

Your CPF nominations may be revoked upon marriage, but not divorce.

Your insurance nominations remain active no matter marriage or divorce. But the type of nomination you do will affect the way it can be revoked in the future.

Moral of the story is: Check your existing arrangements upon every life change. You do not want a situation where your wishes are not followed, or a person from your past has the authority to execute your will. Avoid all these uncertainties.

CPF FUNDED NOT AUTO COVERED BY NOMINATIONSSo yes, you have done your CPF nominations. Good job! But don’t assume that ev...
30/09/2026

CPF FUNDED NOT AUTO COVERED BY NOMINATIONS

So yes, you have done your CPF nominations. Good job! But don’t assume that everything that you purchased using your CPF is also covered by your nominations.

1) HOUSING: Your property, even though partly funded by your CPF, will follow your property agreement. Whether the surviving owner inherits it fully, or the property has to go through Faraid (Intestate Succession Act) for non-Muslims, is dependent on this.

2) CPF SAVINGS: Any savings left in your OA, SA, MA, RA, or unused CPF LIFE premium, will follow your nominations.

3) CPF INVESTMENTS: Your investments will not follow your CPF nomination. Ensure you have done a separate nomination with the platform or insurance company you invested with.

4) DPS: Even though the Dependant Protection Scheme is paid using your CPF, the payout follows your DPS nomination, not your CPF nomination.

5) SINGTEL SHARES: Your SDS will follow your CPF nominations… for now. On 21 November 2026, they will be transferred to your CDP account, effectively making it a private asset. Hence, they will no longer follow your CPF nominations, and will follow Faraid (or ISA for non-Muslims).

Do your due diligence. Be aware of which route each asset is following.

Today’s Khutbah was a timely reminder about planning for the future AND placing our trust in Allah.Not OR.The two are no...
25/09/2026

Today’s Khutbah was a timely reminder about planning for the future AND placing our trust in Allah.

Not OR.

The two are not mutually exclusive.

Many times, I meet people who tell me that they trust in Allah’s plans. And there’s absolutely nothing wrong with that. We should have full trust in Allah.

But the next question is:

What are we doing to prepare that is still within our control?

Have we thought about what our family may need?

Who depends on us?

What arrangements can we make now, while we still can?

Planning does not mean we think we can control everything that happens. And tawakkul does not mean we leave everything unaddressed.

Kita merancang sebab itu tanggungjawab kita. Kita bertawakkul sebab keputusan akhirnya bukan dalam kawalan kita. Our duty is to prepare for the future as best as we can.

Beyond that, we entrust our affairs to Allah, with full confidence in His wisdom and goodness.

Reflection from today’s MUIS Friday Khutbah:
Building Resilient Families: Balancing Foresight and Faith
25 September 2026

DEBT CANNOT BE INHERITED……unless you co-sign on the loan.Sounds good right? But what your family does not have to pay fo...
24/09/2026

DEBT CANNOT BE INHERITED…

…unless you co-sign on the loan.

Sounds good right? But what your family does not have to pay for, has to be paid for by their inheritance.

What this means is, what was meant for their inheritance will be used to settle your loans first before it is distributed. What if there’s still not enough? Then your estate will be declared bankrupt, and your family inherits NOTHING.

Debts are also not THE ONLY thing deducted from your estate. Other expenses include tax, funeral expenses, and for Muslims, zakat, fidyah, and badal haji.

So don’t just assume you are leaving behind enough for your family just because you have a large asset size. Have you considered the liabilities you will leave behind too?

Islam teaches Ihsan.A parent’s religious beliefs do not void their right to excellent treatment, kindness, and respect f...
23/09/2026

Islam teaches Ihsan.

A parent’s religious beliefs do not void their right to excellent treatment, kindness, and respect from their children. We as Muslims therefore must maintain the highest standard of Ihsan when dealing with parents, regardless of their faith.

“But if they pressure you to associate with Me what you have no knowledge of, do not obey them. Yet accompany them in this world with appropriate kindness...” (Quran 31:15)

Disobey the belief, but serve the person with excellence.

JOINT ACCOUNT NOT AUTOMATICALLY GIFTED TO SURVIVNG ACCOUNT HOLDER.This is a very important piece of information everyone...
21/09/2026

JOINT ACCOUNT NOT AUTOMATICALLY GIFTED TO SURVIVNG ACCOUNT HOLDER.

This is a very important piece of information everyone needs to know. Many people assume that the money automatically becomes the ownership of the survivng owner.

TAPI it’s not that simple.

First, you have to determine the source of funds. Secondly, what is the intention of this joint account being set up? Lastly, formally record your wishes and intention legally, so that there will be no confusion in the future.

Access does not mean ownership. Plan wisely.

A heartbreaking story from South Korea.A father showcases his love for his autistic son, even beyond his own lifetime.Im...
20/09/2026

A heartbreaking story from South Korea.

A father showcases his love for his autistic son, even beyond his own lifetime.

Imagine being diagnosed with a terminal illness, and still running from place to place to ensure that your autistic son will be taken care of after your demise.

His care plan. His likes and dislikes. His daily routine.

Who knows best, if not the parent themselves?

Learn something from this sharing. Prepare ahead of time. Do not wait until time is not on your side. And planning for your loved ones even beyond your lifetime, is one of the best acts of love.

Different assets. Different documents. Different processes.There is no one plan that covers all. A will or wasiat might ...
17/09/2026

Different assets. Different documents. Different processes.

There is no one plan that covers all. A will or wasiat might cover some of your assets, while others may follow your nominations.

And the different asset categories have different laws or Acts that govern them. This will determine whether your planning is valid or not.

Which is why when you want to do holistic planning, you cannot have one without the other. Complete your nominations, do up a legally valid will, and at the same time do your LPA. All these planning and documents are complementary, which is to say that they all work hand-in-hand to provide you with a peace of mind.

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