Magis Legacy

02/11/2026

How to talk to your parents about making a Will? Most of us know our parents should sort out a Will and an LPA. Almost nobody knows how to bring it up.

Six things that help:

1. Don’t open with death. Open with control. “I want to make sure it’s your wishes that get followed, not someone else’s guess.”
2. Borrow someone’s story. “A friend’s family just went through this.” It’s far less confronting than making it about them.
3. Start with the LPA, not the Will. It’s about their life while they’re living it, so it feels a lot less heavy.
4. Ask, don’t tell. “Have you thought about who you’d want making decisions if you couldn’t?” A question invites. A plan threatens.
5. Never at a family gathering with all the siblings in the room. It feels like an ambush.
6. Offer to go with them. You’re not taking over, you’re going along.

Send this to whichever sibling needs it.

If your parents would rather hear it from a neutral third party, book a free estate planning consultation. Bring them along, or come first yourself, no obligation. Link in bio.

The love you give should endure for generations to come.

General information only, not legal advice. Every family is different.

29/10/2026

How to choose an executor for your Will? Most people decide in about four seconds. The eldest child, or the most organised sibling. Done.

But an executor is the person who settles your whole estate, and the choice is worth a few more minutes. Five questions to ask first:

1) Will they outlive you? Naming someone your own age raises the risk the appointment fails.
2) Are they in Singapore? An executor overseas slows probate.
3) Do they actually want to? It’s months of admin with banks, CPF, HDB and tax. A job, not an honour.
4) Will they be in conflict? An executor who is also a beneficiary, dividing assets among siblings, holds two roles that pull opposite ways.
5) Who’s the reserve? Most Wills we review name one executor and no substitute.

If nobody in the family fits, a professional executor is a legitimate answer too.

Not sure who to name? Book a free estate planning consultation and we’ll talk it through, no obligation. Link in bio.

The love you give should endure for generations to come.

General information only, not legal advice. Every estate is different.

26/10/2026

19/10/2026

“It’s a joint account, so it comes to me.” Not always.

When one holder dies, the bank will usually release the balance to the survivor. That’s the account mandate doing its job, and people take it as the final word.

The law asks a second question the bank never does: whose money was it?

An elderly parent adds a child to the account so the bills get paid. The parent dies. Was that a gift, or an arrangement of convenience? If it was convenience, the money may be held on resulting trust for the estate, and other beneficiaries can claim it back.

It can surface years later, between siblings who used to get along.

The fix costs nothing: write the intention down while both holders are alive.

15/10/2026

Wait, you can disinherit an adult son more easily than an adult daughter?

It sounds crazy, but it’s true. In Singapore, you have the freedom to distribute your assets however you want—but the Inheritance Act allows certain dependents to challenge your Will in court.

Here is the catch: an unmarried daughter can apply for a share at any age, regardless of whether she has her own income. But a son? He can only challenge your Will if he’s a minor or entirely unable to support himself. (And your parents aren’t allowed to challenge it at all).

Note: This specific law does not apply to Muslim estates, which are governed by Faraid law.

If you are planning an uneven split among your children, you need to explicitly document why, because the court will scrutinize your reasons.

🔗 Link in bio to book a free consultation so we can bulletproof your estate plan.

12/10/2026

The absolute worst place to keep your Will?

A safe deposit box under your sole name.

If you pass away, a Will that your family can’t find—or can’t legally access because the bank won’t let them open your personal box—does absolutely nothing for them.

Don’t lock your final wishes behind miles of red tape. Make sure your executors have immediate access to your original documents when the time comes.

🔗 Link in bio to book a free consultation and learn exactly how to structure and safely store your estate plan.

08/10/2026

Does your Will actually control who gets your HDB flat?

Probably not. Most married couples hold their flats in Joint Tenancy. Under joint tenancy, you don’t own a specific share—you own the whole thing together. If you pass away, the flat automatically passes to the surviving owner, and your Will cannot redirect it.

Your Will only governs your flat if you hold it as a Tenancy-in-Common. This means you own a defined share (like 50%) that goes into your estate to be distributed exactly as your Will states.

Check your property title to confirm which status you hold before writing your Will. You can change your holding type, but it carries consequences for both owners.

🔗 Click the link in our bio or visit www.magislegacy.sg to book a free consultation and get your estate plan right the first time.

05/10/2026

If you die in debt, does your family inherit it?

Technically no. But there’s a catch: your estate MUST pay off your debts before your family receives a cent. If you owe more than you own, they inherit nothing.

The exceptions:
- Co-signed loans and personal guarantees remain the legal obligation of the co-signer. 
- CPF, insurance, and joint property are treated differently. 

Don’t let your family be caught off guard. Comment “DEBT” below or DM us for a free consultation!

02/10/2026

Your Will does NOT cover your CPF savings.

It’s a common trap: CPF accounts sit entirely outside your Will. Skip your CPF nomination, and the Public Trustee dictates who gets your money using default intestacy rules—not necessarily the people you actually want.

A CPF nomination is free and takes just 10 minutes online. Don’t let one missing form undo your entire estate plan!

Need to ensure your CPF nomination perfectly aligns with your Will? 🔗 Click the link in our bio or DM us “CPF” to book a free consultation.

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