The Legacy Desk
Wills · Trusts · Legacy planning
Estate planning · Singapore

If something happened to you tomorrow, would your family know what to do?

Your CPF, your HDB flat and your insurance do not all pass down the same way. A will alone does not cover everything. Take three minutes to see where you stand.

Free. Three minutes. No documents needed.

  5.0 from 70+ Google reviews Certified Estate Planner 150+ Singaporean families served

A will alone is not an estate plan

Your CPF does not follow your will

Many Singaporeans do not know this. CPF is passed on through a CPF nomination. Without one, the money goes to the Public Trustee first. Your family waits longer, and the law decides who gets it.

Your flat may not go where you think

If your flat or condo is under joint tenancy, it goes to the other owner automatically. Your will cannot change that. Many owners find out too late.

Losing capacity is harder on your family than death

If you lose mental capacity without an LPA, your family cannot touch your accounts. They must apply to Court first. The bills keep coming while they wait.

How it works

No pressure at any step. Most families tell us the hardest part was starting.

1

Take the check

Ten questions, three minutes. You receive a readiness report showing exactly where your gaps are.

2

Sit down together

A free 30 minute chat about your report. At our office, your home, or over coffee. Bring your questions, or bring your family.

3

Decide in your own time

You leave with a clear picture and a plan. What you do next, and when, is up to you.

The person across the desk

Sumit Tiwari, Certified Estate Planner

Sumit Tiwari

Director, Ascendance Wealth Management · 6+ years

Sumit entered estate planning after studying the money problems that quietly break families. Wills left unwritten. Savings no one could find. Siblings fighting over a flat. The same problems kept repeating, and almost all of them could have been prevented.

That is why he does this work. Families should stay stable when life takes a turn. Over the past six years, he has guided more than 150 families through their wills, CPF nominations, trusts and legacy plans.

He explains everything in plain English. No jargon. No pressure. These are decisions you make once, so make them properly.

6+Years in practice
S$5M+Assets under advisory
70+Five star reviews
Certified Estate Planner, EPPL IBF Certified Certified Affluent Wealth Manager, WMI
Sumit Tiwari speaking to an audience of advisors in Singapore
Sumit Tiwari presenting to a full room of young professionals

Sumit speaking to advisors and young professionals in Singapore.

What we help with

Every family is different. These are the pieces we help you put in place, in the order that makes sense for your family.

Wills

A proper will that says what you mean, names the right people, and holds up when it matters.

CPF nominations

Help making or updating your nomination, so your CPF reaches your family directly and without delay.

Lasting Power of Attorney

Choosing someone you trust to act for you if you ever cannot. Registered with the Office of the Public Guardian.

Trusts

For families who need more than a will. Young children, a family member with special needs, or assets that need managing over time.

Guardianship planning

Deciding, in writing and in law, who raises your children if something happens to both parents.

The legacy file

One organised record of your documents, policies and accounts, so your family never has to search.

Trusted with what matters most

5.0 ★★★★★

Across 70+ Google reviews

“Sumit has been knowledgeable and reliable … great help in planning my finances as well as helping my parents with estate planning matters.”

Ryan, Google review

“Finances is a very sensitive topic for me, and I’ve never felt more comfortable sharing my confidential finance details with anyone.”

Hernandes, Google review

“He treats his clients like his family, constantly checking in to know about the little successes and troubles that we are experiencing in life.”

Krisha, Google review

“He doesn’t just push his policies to hit his target. He very carefully analyses his clients, their needs and their financial constraints, and then recommends them the plan that suits their budget the best … He shares a personal relationship with all his clients and is also always on the lookout for his clients.”

Tiru Kumarran, Google review
Read all 70+ reviews on Google
Why this matters

A situation we see often

A father in his fifties. Two children. A flat owned with his wife, a condo in his own name, and CPF built up over thirty years. No will. No CPF nomination. His family assumed everything would go to his wife.

It would not. The law would split the condo between his wife and children. His CPF would sit with the Public Trustee while the family waited. And because nothing was written down, his wife would spend months searching for what he owned and who to call.

One afternoon of proper planning changes this whole story. That is the work we do.

Details drawn from situations we commonly encounter, not from any one client.

Questions families ask us

Do I need a lawyer to write a will in Singapore?
No. You do not need a lawyer to make a valid will in Singapore. But the will must follow the Wills Act. It must be signed properly, in front of two independent witnesses. We guide you through every step. For complex estates, we work with lawyers.
How much does this cost?
The check and the first meeting are free. If you decide to put documents in place, you will know the full price before you commit. There are no hidden fees.
Will I be pressured to buy insurance or investments?
No. The meeting is a review of your report, nothing more. You leave with a clear picture of your gaps and how to close them. What you do next is up to you.
Is my information kept private?
Yes. We use your answers and contact details only to prepare your report and follow up with you. This follows Singapore's PDPA. We never sell or share your information. You can ask us to delete it at any time.
I already have a will. Is this still useful?
Often, yes. A will is only one part. The check also looks at your CPF nomination, insurance nominations, LPA, and whether your family can find everything. Many people with a will still have gaps elsewhere.
Can I bring my spouse or children to the consultation?
Please do. Estate planning works best when the whole family understands it. Some of our best conversations happen with two generations at the table.

Free guides for Singaporean families

Written in plain English for our readers. Ten minutes each. No sign up needed.

CPF nomination, explained

What it is, what happens without one, and how to make yours in 15 minutes.

Read the guide

Dying without a will in Singapore

Who gets what under the law, how long it takes, and what your family would face.

Read the guide

The LPA, explained

The document that protects you while you are alive, and why it matters at every age.

Read the guide

@thelegacydesk

Estate planning, explained simply

CPF myths, will mistakes, and the questions families wish they had asked sooner. New posts every week.

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Every gap on this page can be closed

Write to the team to arrange a free 30 minute meeting. We will go through your report together and plan the right order to close each gap. No obligation. No jargon.

Enquire with the team

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Privacy

The Legacy Desk collects your name, WhatsApp number and your answers to the readiness check for one purpose: to prepare your readiness report and send it to you. We handle personal data in line with Singapore's Personal Data Protection Act 2012.

We do not sell your data, share it with anyone for marketing, or use it for any purpose you have not agreed to. If you would rather not hear from us, one message is all it takes. To access, correct or delete your data, contact us at sumittiwari@thelegacydesk.co or via WhatsApp.