ROCKWILLS ESTATE PLANNING FORUM 2018 13 - 14 OCTOBER 2018 SUNTEC CONVENTION CENTRE 1 RAFFLES BOULEVARD, SUNTEC CITY SINGAPORE 039593 RECEPTION ...
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ROCKWILLS ESTATE PLANNING FORUM 2018 13 - 14 OCTOBER 2018 SUNTEC CONVENTION CENTRE 1 RAFFLES BOULEVARD, SUNTEC CITY SINGAPORE 039593 (RECEPTION AT ROOM 325)
INTRODUCTION The Rockwills Estate Planning Forum began in 2017 to educate public on the importance of estate planning. Over 2,000 participants attended our estate planning seminars on Wills and topics ranging from Trusts, Estate Administration, Lasting Power of Attorney, charitable giving and business succession. This year, we are excited to introduce a series of Master Class seminars for participants to gain in-depth knowledge on family and business succession planning, cross-border estate planning issues, property trusts and multi-generational trusts. There are a total of 4 segments over 2 days, with each segment costing $100 per participant. For the Public Free Talk series, we are glad to expand on last year’s topics and bring in more detailed discussion on various aspects of Wills and Trusts for Families. We have a series of talk covering challenging estates administration for the participants to learn and avoid mistakes in their estate planning. For the first time, with the increasing trend of holding digital assets, we will have a special sharing by our Group Managing Director on Estate Planning for Digital Assets. For participants who are keen to have their LPA and AMD certified, we have on hand our partnering lawyers and doctors to certify your LPA and AMD at a special event rate! Register on our website to book your preferred time slot for the certification. Who should attend: Masterclass: Business Owners, 2nd Generation or 3rd Generation Successors, Family Patriarchs, Listed Companies Owners, Founders, Multi Property Owners, Entrepreneurs Public Talks: General Public, Extended Families, Investors with Overseas Properties, Owners of Digital Assets, Pet Owners, Caregivers, Parents of all ages. You can find out more and register for the talks at http://epforum.sg. Professionals within the legal, wealth management, estate planning, insurance and property industries should consider attending our professional series on 3rd & 4th October. More details of the Professional Series are available at proforum.rockwills.com.sg See you there!
ANG KIM LAN LORNA TAN Advocate & Solicitor Journalist and Book Author Goodwins Law Corporation Straits Times, Singapore Press Holding Ang Kim Lan (TEP) is a member of the Singapore An advocate of financial literacy and consumer Insurance Institute as well as the Society of protection, Lorna Tan is The Sunday Times’ Invest the Financial Services Professionals and is Editor. With more than 14 years at Singapore Press the Honorary Legal Adviser for the Singapore Holdings (SPH), she helms The Sunday Times’ Insurance Brokers Association. Ang Kim Lan Invest section which covers personal finance works at Goodwins Law Corporation, where she and investment issues. Over the years, she has SPEAKERS oversees the Insurance and Financial Services won numerous awards including the Investor Department, advising a host of clients including Education award in 2016, the Financial Journalist life insurers, general insurers and insurance of the Year award in 2007, and the Financial intermediaries and financial advisers. She also Story of the Year award in 2005, awarded by the oversees the Trusts Department, advising a clients Securities Investors Association of Singapore MASTER CLASS on how to use trusts effectively as well as advising (SIAS). trust companies on compliance issues Lorna holds a Bachelor of Arts (Social Sciences) and an MBA. Prior to returning to SPH in June 2015, she was Senior Vice President, Corporate Communications at CapitaLand Limited for four years. LEE CHIWI DAVID CHEE CEO Director, Tax & Private Clients Rockwills Trustee Limited Drew Napier Chiwi was called to the Bar of England & Wales Well-known private client lawyer David Chee in 1986, before being admitted as an Advocate & assists high net worth clients with succession Solicitor in Singapore in 1988. With over 16 years planning matters and establishing structures for of legal experience, Chiwi is well-experienced in generational wealth transfer, asset protection the areas of corporate, fund industry and private and tax efficiency. He also handles philanthropic client work. and family governance issues. Described as ”resourceful,” ”experienced” and “unflappable,” In 2004, Chiwi embarked on a new career Chee is particularly noted for his years of chapter in the trust services industry. He held experience working for trust companies and the position as Chief Executive Officer, British & banks. Malayan Trustees Limited from 2006 to 2007. In 2008, he joined Rockwills Group Singapore as A market insider explains: ”David is a great the Chief Executive Officer and was subsequently combination of a Trusts lawyer and one who has designated the title of Chartered Trustee (ChT) strong experience in banks and Trusts companies. by the Singapore Trustees Association in 2015. He is well aware of potential business issues bank An esteemed author, Chiwi recently launched his trustees may face and possess the necessary latest book ‘The Rockwills Guide to Succession commercial knowledge and technical know-how and Trusts in Wealth Management (3rd Edition)’ on the impact it has on business.” in 2007.
FLORENCE KOH ALAN WONG Entrepreneur Principal Consultant A. Shepard Steward & Koh Pte Ltd W3 Consultancy Pte Ltd Florence is an esteemed entrepreneur and the 3rd Alan Wong is an Associate Financial Planner® generation principal of Koh Family Trust, which (AFP®) accredited with the Financial Planning focuses on governance matters, restructuring, Association of Singapore(FPAS) and an Associate intra-familial relationship management, asset Estate Planning Practitioner (AEPP®). preservation and growth as well as effective transitions across generations. He is the Principal Consultant of W3 Consultancy SPEAKERS Pte Ltd, which provides training and consultancy She founded A. Shepard Steward & Koh Pte Ltd, services in the specialized field of Business a family advisory and management business, Protection Planning. W3 Consultancy Pte Ltd was that focuses on direct private investments, the Top Trust Franchisee in Rockwills International joint ventures and collaborations with family Group for Year 2012 & 2013. MASTER CLASS businesses and corporate partners. Alan is well qualified in his consultancy work and She is a Principal in ICG, a global consultancy in travels regionally to provide training and speaking unbundled internal consulting and corporate engagements to Banks, Insurers and Property training solutions. She holds the post of Vice Investors, on topics such as Legacy & Estate Chairman in Circle International Holdings Pte Ltd, Planning, Business Protection and Continuity a global edutech and education consultancy and Planning, Wills, Trusts and Lasting Power of learning management systems group. Attorney. JOHN SHOEMAKER MICHAEL PERKINS International Lawyer Head of Private Client Services Butler Snow Singapore Nexus Law Group With over 25 years of experience, encompassing Michael is a 3rd generation practicing lawyer U.S. tax & regulatory law and multi-jurisdictional with over 30 years of experience in Trusts, Estates compliance issues globally, John has been at and private client practice. Michael received the forefront of the evolution of the Foreign the esteemed TEP Designation from the Society Account Tax Compliance Act (FATCA) and the of Trust and Estate Practitioners (STEP) for his OECD’s Common Reporting Standards (CRS), expertise in these areas. especially with regards to their application to trusts, foundations and other fiduciary structures. His practice focuses on helping clients deal with This extensive understanding of FATCA & CRS, their family, business, wealth and succession combined with a background in regulatory issues interests. He acts as a well-respected mentor of compliance management, gives John unique and general counsel to a range of closely held insights in managing and controlling risk and businesses and families. structuring fiduciary products in a highly efficient and compliant manner. John’s experiences give him a global overview with an eye for the local nuances of client structures.
JOHARI LOW BIN ABDULLAH STELLA LAW Chairman Director Rockwills International Group Crowe Horwath First Trust Appraisal Pte Ltd Johari Low is a Fellow CPA and Chartered Stella is currently the business valuation practice Accountant double awards winner and member leader and Director of Crowe Horwath First Trust of Mensa International. With over 45 years of work Appraisal Pte Ltd. She specializes in valuating experience in the corporate world, Johari has business and intangible assets with over 15 years taken on the role of an auditor, receiver/liquidator of experience in the industry. She has extensive and then as executive director of the AmBank experience in all phases of M&A activities, from pre- Group, group managing director of Berjaya Group, IPO investment/ pre-Deal analysis to due diligence SPEAKERS CEO of KFC Malaysia and deputy chairman of during the negotiation process and financial London-listed Anglo Eastern Plantations PLC. reporting purpose upon deal completion, over a wide range of industries. She has served owners of He was a Director of Prudential Malaysia from small-to medium sized privately held companies, 1989 to 1992 and co- founded BHLB Pacific to listed companies and state owned enterprises. MASTER CLASS Management Trust (currently, an entity of CIMB), which became one of the largest unit Stella is currently a member of Royal Institute of trust companies in the country. He is now an Chartered Surveyors (MRICS), Accredited Senior entrepreneur and angel investor, as well as the Appraiser of American Society of Appraisers Chairman of the Rockwills International Group, an (ASA), Registered Business Valuers of the Hong independent director of Malpac Holdings Berhad Kong Business Valuation Forum (HKBVF), and she and adviser to the Amcorp Group. is also a part-time lecturer of the HKU School of Professional and Continuing Education. JULIE TEO MARK SMALLWOOD Adviser Wealth Structuring and Client Advisor HP Wealth Management (S) Pte Ltd Julie graduated with a LLB (Honours) degree from the National University of Singapore in 1979 Mark Smallwood was formerly a Managing Director and was admitted to the Singapore Bar as an and Head of wealth planning in Asia for a leading Advocate & Solicitor in 1980. She is a member of international private bank. He is now based with the Singapore Academy of Law, STEP and ITPA. HP Wealth Management (HPWM), which is a MAS regulated Multi-Family Office in Singapore. HPWM Julie has over 30 years of multi-jurisdictional is a fee-based independent advisor, supporting experience working with private and institutional HNW and UHNW clients in managing their wealth. clients in the financial services industry — namely This includes advice on structuring their family Banking, Wealth Management, Trust & Estate office and succession structure, aggregation and planning and Insurance sectors. She held regional reporting of their wealth, and the management of management roles in multi-national companies assets. & international banks including Aon Singapore Pte. Ltd., BNP Paribas Wealth Management, Bank Mark has been a member of the Society of Trust Sarasin-Rabo (Asia) Limited, Citi Private Bank, and Estate Practitioners for nearly 20 years. American Express Bank and Barclays Bank. Her Locally born in Singapore, with a Chinese wife experience also extends to corporate finance from Guangxi, China, Mark is sympathetic to the & investment management, having first started needs of Asian families. her banking career with an Australian merchant bank. Julie worked as a lawyer with Acies Law Corporation prior to taking on her role as an Advisor to the Chairman.
DAY ONE 13 October 2018, Saturday Segment A 1010 — 1110 Elder vulnerabilities (mental incapacity) Ang Kim Lan Retire Smart (Legacy Planning) Rockwills Estate Planning Forum 2018: Master Class 1115 — 1215 Lorna Tan 1220 — 1320 Structuring Property Trusts for Legacy Succession Lee Chiwi Segment B 1410 — 1510 HNW Wealth Succession with PTC Special Purpose Vehicles David Chee Multi-Generational Trusts — Beneficiaries as Stakeholders of 1515 — 1615 the Family Legacy Florence Koh Business Succession with Life Funded Buy-Sell Trust 1620 — 1720 Arrangements Alan Wong DAY TWO 14 October 2018, Sunday Segment C 1010 — 1110 Multi-Jurisdictional Cross Border Estate Planning Issues John Shoemaker Private Wealth Tax planning and Succession issues — A 1115 — 1215 Practitioners’ Experience Michael Perkins High Networth Succession Planning for Listed Company 1220 — 1320 Owners Johari Low Segment D Why You Need to Value your Family Business in Succession 1410 — 1510 Planning! Stella Law 1515 — 1615 Legacy Planning with Universal Life policies Julie Teo 1620 — 1720 Family Wealth Succession with the Family Office Mark Smallwood
SYNOPSIS (MASTER CLASS) Elder vulnerabilities (mental incapacity) Ang Kim Lan With the increasing Silver population in Singapore, the elder person can be vulnerable to undue influence from other people, including their family members and close friends. Despite medical advancements, stroke, dementia, depression and mental incapacity are on the rise. In the unfortunate event of mental incapacity, who can give instructions on your behalf? Can anyone mobilize your financial reserves during your period of mental incapacity? How can you best make plans to manage your personal welfare and safeguard your assets in the event of unexpected mental incapacity? The commonly discussed LPA form 1 caters generally to people with very basic and minimal requirements. In this master class, let Kim Lan share how individuals with more customized needs can draw up a LPA form 2 for more robust planning when mental incapacity hits. Retire Smart (Legacy Planning) Lorna Tan Many people dream hard and long about their eventual retirement. We spend decades building our wealth, before realizing that wealth distribution is equally as important as wealth accumulation in leaving a smooth Legacy for our loved ones. Our family members are unique individuals with different attitudes towards money and the financial maturity in money management. In this master class, let Lorna share her insights on legacy planning and what it encompasses, such as wealth protection, preservation and maintaining family harmony. Structuring Property Trusts for Legacy Succession Lee Chiwi Real estate, held in Trust or in the Estate, can allow the beneficiaries to reap significant capital gains over time. Rental income of real estate can also provide a stable stream of maintenance payments for your family members. Which Trust is suitable to hold real estates? What are the differences between a Discretionary Trust and Absolute Trust? Can a Trust allow beneficiaries to draw a loan to purchase their choice of real estate? What are the Trustee’s powers in acquiring a property for beneficiaries? In this master class, Chiwi will share on the succession of real estate, structuring of family trusts for the holding of real estate, the exercise of powers by the Trustee in relation to real estate acquisitions and the impact of stamp duties and additional buyers’ stamp duties. HNW wealth succession with PTC special purpose vehicles David Chee Succession of the family business to the next generational family members is one of the most challenging concerns for business founders approaching the twilight of their career. The decision as to who should take over control of the family business (if there even was a ready successor in the first place) is never easy. Many family business founders grapple and ponder over the issue of a suitable successor without any firm conclusion. In this master class, David will explain the concept of a PTC (private trust company). This structure is essentially premised as a trust, where the PTC is a special purpose vehicle incorporated by the founder to act as the Trustee of the family trust to hold ownership of the family wealth.
SYNOPSIS (MASTER CLASS) Multi-Generational Trusts — beneficiaries as stakeholders of the family legacy Florence Koh Trusts have been employed by many wealthy families to pass wealth from one generation to the next. What motivates next-generational family members to craft a life for themselves? How can they build on the family’s legacies and make the trust relevant in the modern era? In this master class, let Florence share her views on multi-generational Trust governance, restructuring and the fostering of multi-generational beneficiary relationships. Business Succession with Life Funded Buy-Sell Trust Arrangements Alan Wong Building a successful and prosperous business comes with years of sweat, hard work and tears. For many business owners, there is the need to address their business succession. This involves planning for the smooth transfer and succession of the business interests of business owners in situations such as their retirement, unforeseen disability or untimely death. What are the options available, if family members are unwilling to take over the business shares? In this master class, Alan will share on the usage of a Buy-Sell Trust Agreement, which is funded by life insurance that allows your family members to gracefully exit your business with a tidy sum of cash in exchange of your business shares. Multi-jurisdictional cross border estate planning issues John Shoemaker With globalization and the boom in overseas education over the past two decades, it is common for a Singaporean family to have members dispersed around the globe and stationed in high tax jurisdictions like the US or the UK. It is becoming a rising trend for people to purchase or invest in property and other assets in their current country of residence, despite being a non-citizen of the country. Given that every jurisdiction has its unique tax laws, having assets in different countries will certainly impact the manner in which gifts of money, property and legacies through trusts can be given to beneficiaries. The pitfalls in failing to understand and adequately plan for different tax laws in establishing Trust structures can result in painful estate leakages through taxation and regulatory penalties. In this master class, John will raise the issues and considerations that need to be dealt with in multi-jurisdictional and cross border estate planning. Private Wealth Tax planning and Succession issues — A practitioners’ experience Michael Perkins The proposition to a client to create a Family Trust for wealth preservation and succession is the tip of the iceberg in Trusts planning. To ensure that the Trust stays relevant across generations, there are a whole host of matters to be addressed, such as potential threats to the family and to clearly understand the client’s objectives in structuring his Trust to dictate his clear wishes. Issues touching on the current family structure, the family values, culture and relationships have to be discussed openly and candidly. In this master class, Michael will share his experiences in Trust planning for families to aptly reflect the objective of the client’s wishes in leaving a proper legacy to his family members.
SYNOPSIS (MASTER CLASS) High Networth Succession Planning for listed company owners Johari Low Founders of listed companies can hold stocks in their entities in various ways, such as direct individual ownership and indirect ownership through secondary corporate vehicles. While the existing ownership structures work well in the current economic landscape, chances are these structures will subsequently need to be reorganized to cater to the new landscape affecting the next generation family members. The reorganization is necessary to ensure that there is no dilution in the family ownership or splitting of stock and to enable leadership and control to be exerted by the founder’s appointed successor. In this master class, Johari will highlight the issues that business founders need to be mindful of and share the possible solutions in the reorganization of listed companies’ ownership structures. Why you need to value your Family Business in Succession Planning! Stella Law An important question family business founders need to think about, is if their family members are likely to be interested in the business and to be part of the business upon the founder’s death. If the answer to the question is ‘No’, it is wise for the founder to structure a business exit strategy for his family, which can take the form of a potential sale to competitors or a management buy-out after the founder’s death. Business valuation is sure to crop up at some stage of succession planning or the founder’s personal estate planning. For the upcoming successor, the business valuation can be a clear marker of the business worth, motivating them to work to achieve higher value for the family business. In structuring the exit strategy, the business founder will need to decide on the selling price or valuation formula for the business. In this master class, Stella will share the possible valuation methods and how founders can put in place family agreements or share sale agreements, as well as the possible valuation formulae in those instruments. Legacy Planning with Universal Life policies Julie Teo Universal Life Insurance products, which encompass the flexibility of whole life and term life insurance, have been popular with high net-worth individuals in Singapore. Media reports in 2017, stated that these jumbo life plans catering to the high net worth market, are expected to generate an annual double digit growth of up to 20 per cent or more in the coming years. The growth is undeniably fueled by private banks’ funding of the policy premiums, such that clients only need to pay a fraction of the initial premium through cash with the balance through bank loan. With the significant death benefit pay out, Universal Life policies are often marketed as a tool for wealth creation and wealth protection. In this master class, Julie will discuss how these instruments can be best utilized for wealth transfer to the next generation of family members and for legacy planning. Family Wealth Succession with the Family Office Mark Smallwood Using a Family Office to manage a founder’s substantial wealth is a relatively new idea that is growing rapidly in Singapore. It is essentially a structure that engages in the management and succession of the family’s diversified wealth. The Family Office typically employs permanent staff and professionals to undertake various functions relating to investments, asset management, legal affairs, trusteeship, risk management and tax. At the same time, business succession planning is an important topic of discussion to avoid family feuds that can potentially arise after the founder’s death. In this master class, Mark will discuss the possibilities of founders setting up their family offices for succession and management of wealth, as well as the importance of grooming younger family members on the values, objectives, investments and financials concerning wealth management.
SPEAKERS PUBLIC SERIES LAWRENCE LIM DARREN TAN ZI HONG LIM KIM HONG Rockwills Estate Planner Founder Advocate & Solicitor PT Estate Planning Pte Ltd Kim & Co. Lawrence took the Associate Estate Planning Practitioner (AEPP®) Programme in 2008 and As part of 1st cohort of graduates in STEP® Ms. Lim Kim Hong (Kim) obtained her has 10 years of experience in Estate Planning, certificate for Financial Services (Trust & Bachelor of Laws (Hons) degree from the having held talks to increase awareness on Estate Planning Singapore), Darren Tan National University of Singapore in 1987 the importance of Estate Planning. belongs to group of Estate Planning specialist and was admitted to the Roll of Advocates & whom are professionally trained & qualified to Solicitors, Supreme Court, Singapore on 16th Specializing in Estate Planning for Individual help clients with Legacy Planning solutions, March 1988. & Business Owners, Lawrence often stresses be it for business or family purposes. the important of understanding what Estate Currently in her 30th year of practice, Ms. Planning comprises of and what challenges As a Legacy Succession specialist with more Lim handles a wide range of areas of work one can face when it comes to estate than 10 years of experience, Darren can help including but not limited to General litigation, administration and distribution should one provide a comprehensive legacy solution for corporate work, company incorporation, pass on. your needs. Intellectual property, Lasting Power of Attorney Forms, and Conveyancing matters. LEONG MUN KID TAY TENG PONG EUGENE SOO Resident Manager Director Estate Specialist Rockwills Trustee Ltdv Will & Legacy Pte Ltd Securing Generations Mun Kid is a law graduate from the University Teng Pong has offered Estate Planning Eugene is a sought-after speaker in the of London. He is also an affiliate member of Service (EPS) to his clients since 1983 and arena of Estate and Legacy Planning for his STEP and has a Certificate in Trust Services is the prinicpal officer of The EPS Practice, extensive knowledge and practical insights. (CTS) with Wealth Management Institute a firm set up to train fellow practitioners to He has conducted seminars with government Pte Ltd (WMI). He joined Rockwills Group provide Estate Planning Service in the market bodies and multi-national companies. of Companies in year 2011. He heads the place. His clientele includes Great Eastern Eugene has also appeared on media shows Trust department in Rockwills Trustee Ltd, Life, Keppel Insurance, NTUC, IPPFA, and “Money Week” and FM938 Live - Moneywise a licensed trust company under Monetary various agencies. to share his views on Estate Planning. Authority of Singapore (MAS) and has been appointed as a resident manager under He founded Wills & Legacy to offer Will- He is one of the esteemed speakers in criteria set by MAS. He manages the setting writing and Will-custody services through Singapore’s first ever Estate Planning Public up and administration of trust in Rockwills financial planners for their clients. Teng Forum 2017 held in Suntec City Convention Trustee Ltd and assists a variety of clients in Pong has committed himself to conduct hall. His attendees have labelled him as being their estate and trust planning needs. He is Legacy Seminars on a monthly basis. He has humorous and clear in his presentations and an experienced Trust specialist and regularly four seminar topics at the moment. These they feel empowered with the know-hows of conducts Trust workshops, training and seminars are for his clients, downlines, Estate Planning application after the session. seminars to the advisors and general public. referrers & introducers and their clients or guests.
SPEAKERS PUBLIC SERIES TAN YUEN YING LIM BOON YAM ALFRED CHIA Associate Director Director Council member and Board Chair; FPAS finexis advisory Pte Ltd 5G Legacy Consultancy Pte Ltd CEO; SingCapital Yuen Ying is a qualified CFP® and has been Boon Yam graduated from the National After graduation from the National University helping clients with their estate planning University of Singapore in 1991 with a of Singapore with a Bachelor in Science, since 2013. Bachelor’s Degree in Business Administration. Alfred has over 25 years of financial advisory He joined the wealth management industry in experience and is currently the Chief Yuen Ying has been invited to speak on a wide 2000 after several years working as a regional Executive Officer at SingCapital and serves range of topics by numerous organizations. manager in a multinational corporation. as the Chairman of the Financial Planning He has value added hundreds of people Association of Singapore (FPAS)’s editorial in better understanding the importance Boon Yam specializes in advising business board. His strong passion for education has of portfolio management and wealth families and high net worth individuals on led him to be the Creator and Chief Trainer distribution. His well-rounded approach comprehensive wealth management and for the ‘Singapore Accredited Mortgage towards planning has benefited the financial succession planning. His work involves Planner’ program for real estate and finance portfolios of not just working professionals facilitating the setup of family wealth professionals. Alfred regularly shares his and families, but also retirees. structures and family governance to ensure insights and perspectives on a wide range peace and harmony within the family. It is also of financial matters over radio, print and to ensure sustainable wealth accumulation, television. He is also an esteemed book author preservation and protection for the business of 3 books, which are dedicated to holistic family. financial planning and comprehensive final journey planning REUBEN LIM SAW LEONG AUN ZAC TAY Trainer Group Managing Director Estate Specialist Silvercare Coorporative Rockwills International Group TL Wills and Trusts Pte Ltd Reuben is an internationally certified cross- Mr Saw Leong Aun, is the Group Managing Zac has been in the estate planning industry cultural career coach and trainer, and wears Director of Rockwills International Group for 3 years and was the rookie of the year for the title of GCDF-US and CCSP-US. As a multi- and Director of Rockwills Corporation Sdn 2016. He has dedicated his service to more disciplinary academic with over 20 years’ Bhd. He is the author of the books, “All you than 100 clients, who are mostly high net corporate experience as an entrepreneur, need to know about Wills” published by worth clients, to help them structure their and a cross-cultural trainer, coach and Times Publications, ‘Guide to Planning Your assets to take care of their loved ones in the consultant, Reuben brings together his rich Will Effectively’ and “Warriors of Rockwills” event of mental incapacity or sudden death. and practical experience in mentoring and published by Leeds Publishers. He holds an training people from all walks of life. Honours Degree in Social Science from the University of Malaya. As a caregiver himself, Reuben has personal experience in caring for seniors suffering He was also nominated as the finalist in the from physical immobility and dementia, and “Chivas Regal Success Unlimited Award” are familiar with social services, initiatives which recognises young CEOs for their and grants that support caregivers. innovation.
SPEAKERS PUBLIC SERIES SIMON CHAN JOHANN TAY ERIC SEAH Financial Advisory Consultant Legacy Specialist Director Phillips Securities Will & Legacy Pte Ltd Wealth Legacy Associates Simon is currently a practicing licensed Johann joined Will & Legacy in 2012. Eric is a qualified CFP®, AEPP®, CIAM, CMFA Financial Advisor Representative with Phillip Together with Teng Pong, Will & Legacy has and has been practising Estate and Business Securities for 13 years. He is a Certified written several thousand Wills, averaging Succession Planning for almost a decade. Financial Planner™ and holds the Associate more than a day. Johann has spoken at He set up Wealth Legacy Associates and Estate Planning Practitioner designation. He many organizations and is well known for his the team has helped many successfully is an Affiliate of STEP (Society of Trust and humble manners and clear sharing on estate established individuals and business Estate Practitioners) and holds the STEP planning ideas. owners solve their wealth distribution needs Certificate for Financial Services - Trusts and through estate planning tools such as Wills, Estate Planning,Singapore. Trust, Insurance Nomination, Trust, Buy-Sell Agreements and Lasting Power of Attorney. Simon is passionate about Estate Planning and strongly advocates that a good plan requires one to take ownership and responsibility to decide how to settle his or her estate when one passes away. A failure to plan will leave the estate in disarray and create unnecessary disharmony and animosity among the beneficiaries. DEREK LIANG JOY KOH KEE SIEW POH Advisory Director Rockwills Estate Planner Council Member and Board Co-Chair finexis advisory Pte Ltd FPAS Joy graduated with a Bachelor of Commerce Derek is a qualified CFP® and AEPP® member. and became an estate planner after Kee’s mission is to help top-notch key With 10 years of legacy and estate planning witnessing the anguish and frustration of the executives and professionals achieve a experience, Derek also serves his clients family members that were left behind after purposeful life beyond finance. Through from senior professionals to business owners her close friend’s brother who passed away a well-constructed value-based Wealth diligently. His hard work and dedication has without a Will. Creation & Estate Plan, she helps families won him several awards in the Trust Category grow from success to significance. of Rockwills Group of Companies. Derek’s Since 2014, she has been one of the top particular interest is on the values-driven REPs in Rockwills who is passionate about The 3 “cheques” which she creates for family trust. helping her clients to ensure the smooth her clients give them the assurance and wealth distribution upon death and minimal confidence to redefine their retirement and to Derek holds frequent workshops educating or no conflicts between family members. She live the life they have always wanted. Beyond clients on the social, relational and emotional has taken on the Associate Estate Planning the passing of ‘valuables’, she help her aspect of estate planning. As he has learnt Practitioner (AEPP®) Program and had helped clients pass on some of the values that make from several of his well-heeled clients, more than 100 clients and families with their them successful, such that their loved ones preparing adequately for death is preparing estate planning. have enough to do something meaningful for the happiness and harmony of the living. but not too much that they do nothing.
SPEAKERS PUBLIC SERIES JOLENE GOH BONG YING WEI LEE CHIWI Director Legal Counsel CEO EV Group Singapore Pte Ltd Rockwills Trustee Ltd Rockwills Trustee Ltd Nothing in life is guranteed, except for Tax Bong Ying Wei joined Rockwills Singapore Chiwi was called to the Bar of England & and Death. But yet, death can also be the as a Legal Counsel in 2016. She specialises Wales in 1986, before being admitted as an most uncertain. When we pass on, we want in estate administration and estate planning. Advocate & Solicitor in Singapore in 1988. to make sure that we leave a legacy and not She handles administration of the estates With over 16 years of legal experience, Chiwi a mess. We want to ensure that our loved with assets located in multiple jurisdictions is well-experienced in the areas of corporate, ones have enough. And whatever we leave and deals with insolvent estates with fund industry and private client work. In 2004, behind, we want to make sure that it goes to various creditors. Since she joined Rockwills Chiwi embarked on a new career chapter the intended beneficiaries. Jolene is focused Singapore in 2016, Ying Wei has also in the trust services industry. He held the on assisting her clients to achieve greater involved in the application for Beddoe Order, position as Chief Executive Officer, British & peace and secure “Wealth-being” for her application for Benjamin Order and also Malayan Trustees Limited from 2006 to 2007. clients and their loved ones. court proceedings to challenge the validity of a purported revocation document. In 2008, he joined Rockwills Group Singapore as the Chief Executive Officer Ying Wei is currently a member of the and was subsequently designated the title Associate Estate Planning Practitioner (AEPP) of Chartered Trustee (ChT) by the Singapore and an affiliate of the Society of Trust and Trustees Association in 2015. An esteemed Estate Practitioners (STEP), Singapore. author, Chiwi recently launched his latest book ‘The Rockwills Guide to Succession and Trusts in Wealth Management’, third edition last year.
Rockwills Estate Planning Forum 2018: Public Talks 13 October 2018, Saturday DAY ONE 1010 — 1040 Wills — Pitfalls and Family Feuds Lawrence Lim 1050 — 1120 The flexible Family Standby Trust Darren Tan 1130 — 1200 LPAs — when a person is Mentally Incapacitated Lim Kim Hong 1210 — 1240 Advance Care and AMD planning Lim Kim Hong 1250 — 1320 What Executors do for Estate Administration Leong Mun Kid 1330 — 1400 Wills — Dealing with certain assets classes Tay Teng Pong 1410 — 1440 A legacy with Multi-Generation Family Trusts Eugene Soo 1450 — 1520 LPAs: Basics and differences between Form 1 and Form 2 Tan Yuen Ying 1530 — 1600 遗嘱 , 信托及遗产规划 Lim Boon Yam 1600 — 1630 Why put your Real Estate into Property Trusts Alfred Chia 1640 — 1710 Caregiving Journey: Managing Emotions and Stress Reuben Lim 1720 — 1750 Estate Planning for Digital Assets Saw Leong Aun
Rockwills Estate Planning Forum 2018: Public Talks 14 October 2018, Sunday DAY TWO 1010 — 1040 遗嘱 , 信托及遗产规划 Zac Tay 1050 — 1120 LPAs for protection in the golden years Simon Chan 1130 — 1200 Wills — A kickstart or distraction to my children? Johann Tay 1210 — 1240 Using Standby Trusts to hold Insurance Policies and CPF monies Eric Seah 1250 — 1320 Responsibilities of Donees in LPAs Lim Kim Hong 1330 — 1400 Estate Planning involving foreign property Derek Liang 1410 — 1440 Wills — Care for pets and giving to charities Joy Koh 1450 — 1520 Creating Family Trust using Insurance plans Kee Siew Poh 1530 — 1600 Wills — Guardianship and care for minors Jolene Goh 1600 — 1630 Administering difficult estates Bong Ying Wei 1640 — 1710 Why put your Real Estate into Property Trusts Lee Chiwi
Rockwills Estate Planning Forum 2018: Public Talk SYNOPSIS Wills — Pitfalls and Family Feuds Lawrence Lim The dangers and pitfalls when no will is drawn up or when it is poorly prepared is a reminder for all to have serious thought and action. The media is full of stories of contests and family feuds over deceased persons’ estates. On hindsight many of the issues that are encountered could have been avoided. There will certainly be a myriad of questions to ponder over in will preparation and the speaker will share with you the importance of leaving your legacy in the best possible manner through a properly crafted Will. The flexible Family Standby Trust Darren Tan Many people in the mass affluent segment may desire an affordable, yet flexible trust structure for their family members or even themselves. The standby trust is a distinctive trust that caters to a person who may decide to only transfer some of his significant assets into trust at a future date. One reason for the popularity of the Standby Trust is its low set up cost and maintenance. The standby trust is an intermediate solution that is sufficient for many people’s estate plans. The speaker will describe the merits of the standby trust, which undoubtedly will feature increasingly as an essential part of estate planning. LPAs — When a person is Mentally Incapacitated Lim Kim Hong It is important to understand the risk of mental incapacity. It is estimated that in 2020, some 53,000 persons will suffer some form of dementia and also projected that in 2030, the numbers will rise to 92,000 (info from Alzheimer’s Disease Association). One of the major concerns flowing from an elderly person’s mental incapacity is not only in relation to his personal welfare but also the management of his assets and property affairs. With a Lasting Power of Attorney (‘LPA’), the entire process is simplified and a person (the donor) is able to appoint his most trusted person to take care of him and manage his affairs as his donee. The speaker will share on the issue relating to mental incapacity and the advantages of setting up a LPA. Advance Care and AMD Planning Lim Kim Hong The ACP is a guide that a patient is now encouraged to draw up for decision-making when he becomes unable to communicate. It is reduced in writing and often based upon a series of conversations that help patients decide on their future healthcare options. Patients can be guided by trained facilitators in these discussions. An AMD is a legal instrument that allows you to pen down your decisions about end-of-life care ahead of time. The AMD specifies what actions should be taken for your health if you are no longer able to make decisions for yourselves in situations of terminal illness especially where further medical intervention may be ineffective in prolonging meaningful life. The speaker will share with you what is involved in drawing up the ACP and AMD. What Executors do for Estate Administration Leong Mun Kid Before a person decides on naming a family member as the executor of his will, a close examination and understanding of what is involved is important. Executorship can be an onerous office. When a person dies, the authority to deal with his estate vests in his executors when the testator dies. Much time, responsibility and expense have to be committed by executors to engage lawyers for probate and to deal with third parties such as financial institutions and even the IRAS. It is often prudent to name two individuals to be the joint executors but could they work harmoniously together or what if one of them becomes disinterested? The speaker will unravel what needs to be carried out in executorship as food for thought when a person decides on the suitable persons to act in such office.
Rockwills Estate Planning Forum 2018: Public Talk SYNOPSIS Wills — Dealing with certain assets classes Tay Teng Pong This session introduces the key concepts of Will making in dealing with the multi-faceted asset classes that could potentially be left behind in an estate. The concept of survivorship applies to jointly owned properties and accounts requiring special attention in various scenarios. What about insurance policies, nominations and where no nominations are made? There are also non-probate assets such as CPF nominations. Who and how should such asset classes be dealt with? The speaker will suggest how you could plan for the succession of such assets in a proper way to avoid adverse consequences that could arise for the lack of proper understanding. A legacy with Multi-Generation Family Trusts Eugene Soo With more significant wealth owned by Singaporeans over the last few decades, many are now faced with issues concerning the succession of the moneys and their businesses built up over their lifetimes. The old adage that wealth does not pass through three generations is a stark reminder that the founder needs to find solutions to address the issue. Founders grapple and ponder over these issues without coming to any conclusions. Will trusts help? The speaker will highlight what is involved in the creation of family trusts to hold the family wealth for multi-generations as a possible legacy solution. LPAs: Basics and differences between Form 1 and Form 2 Tan Yuen Ying This session focuses on the LPA and AMD, two instruments that are critical in old age or where the person although not of elderly age becomes vulnerable through accidents or medical illnesses. With a Lasting Power of Attorney (‘LPA’), a person (the donor) is able to appoint his most trusted person to take care of him and manage his affairs as his donee. The AMD specifies what actions should be taken for your health if you are no longer able to make decisions for yourselves in situations of terminal illness. The speaker will share some of the aspects that need to be considered when planning to put in place such instruments. 遗嘱，信托与遗产规划 Lim Boon Yam / Zac Tay 遗产规划其实可以让我们保障家人的生活之余，也可以确保自己几经辛苦累积回来的财富获得保护。妥善的遗产规划 并不只是写遗嘱而已，它可以涵盖更多的层面，如通过信托继续管理遗产，确保继承人不会因为缺乏理财知识，纪律 或经验而把遗产“败光”。妥善的遗产规划不只注意如何分配自己将会留下的遗产，而同时也会考量到家人的未来生 活费的需求以及管理能力，若有年幼孩子还包括合法监护人等其他细节。 我们借此机会跟大家分享一些关于写遗嘱的事项，一些对写遗嘱有疑问或不知该注意哪些事项，希望可提高大家对这 方面的了解。 Why put your Real Estate into Property Trusts Alfred Chia / Lee Chiwi The real estate that you own is often a substantial part of your total wealth holdings. Real estate, if it remains held in the estate or in trust can benefit the family in the form of significant capital gains over time. In the meantime, rental income of real estate can provide a stream of maintenance payments for family members. But what form of trust is suitable? When should a discretionary or an absolute trust be used? What are the kinds of stamp duties, property taxes and estate taxes expected in a trust ownership. The speaker will share how you could create a property trust to hold real estate in your succession plans.
Rockwills Estate Planning Forum 2018: Public Talk SYNOPSIS Caregiving Journey: Managing Emotions and Stress Reuben Lim With an aging population and a growing number of elder persons becoming infirm, suffering loss of mobility and other vulnerabilities, it is expected that caregivers will also grow in tandem. Research has found that caregivers tend to neglect their own health care and have poor-quality diets, particularly among those who provide others assistance in basic activities of daily living (ADLs). Caregivers are also at high risk of fatigue and may lose their motivation to care for their loved ones due to the demands of their caregiving roles. Caregivers’ health will also decline in the long term. Caring for a family member is often challenging for families and friends. If you are a caregiver or may be one, YOU are extraordinary and you are not alone. The Silver Caregivers Cooperative Limited (SCCL), want to walk this journey with you in realising a caring society. Learn more about various challenges of caregivers and some techniques of managing the emotions and stress when you are a caregiver. Estate Planning for Digital Assets Saw Leong Aun With the prevalent use of the internet, digital assets are now everywhere. Many rely on use of such assets whether in communications, commercial transactions or social networking over the internet. Different types of digital assets require different and specific treatment in estate planning. Digital assets could be of significant financial value e.g. bitcoins and cryptocurrencies. Not all digital assets have financial value but carry a sentimental or emotional value for family members. The speaker will delve on the practical approach in managing and administrating your digital assets and the appointment of your Digital Assets Facilitator. LPAs for protection in the golden years Simon Chan Life has been a great adventure and ripe with precious life lessons in the journey so far. For couples entering their golden years, many would have addressed ensuring that there is the health care plan to address each other’s infirmities in old age. But putting in place the LPA is equally important and should not be ignored or postponed. Simon will share on the issues that couples need to grapple with should one of them becomes mental incapacitated and dealing with the situation of the surviving spouse. Wills — A kickstart or distraction to my children? Johann Tay This session focuses on planning the legacy strategy. Moneys is needed as a resource for maintenance for beneficiaries but we should be reminded, as said by the judge in his legal decision that “It is not in our judgment generally in the interests of young persons to come into possession of large sums of money which might discourage them from achieving qualifications and from leading settled and industrious lives to the benefit of themselves and of the community.” Johann will roll out some possibilities on creating your legacy that will help kickstart the lives of your children and not distract them from the pursuit of their education or career.
Rockwills Estate Planning Forum 2018: Public Talk SYNOPSIS Using Standby Trusts to hold Insurance Policies and CPF monies Eric Seah The standby trust has been well sought by mass affluent families desiring an affordable, yet flexible trust structure to benefit for their family members or even themselves. One reason for the popularity of the Standby Trust is its low set up cost and maintenance. Yet the standby trust has the feature where passive assets could during the lifetime of the settlor be transferred into the trust. Some of these passive assets could include your insurance policies and your CFP monies. Insurance policies held in such trust could come under a structure that ring fences against any creditor attacks. CPF monies nominated to the trust will avoid any potential issues arising when compared to the naming of a beneficiary who might face any financial risks. The speaker will describe how the above assets could work with the standby trust, which undoubtedly will feature increasingly as an essential part of estate planning. Responsibilities of Donees in LPAs Lim Kim Hong With LPA making, a person (the donor) is able to appoint his most trusted person to take care of him and manage his affairs as his donee. Setting up a LPA is not complicated and it is an effective way to ensure that the donor is well protected in the event of his mental incapacity. Most people will naturally think of their spouses as the suitable donee to assume the responsibilities of doneeship. But what if the spouse is equally of elder age or already deceased or the donor a single person? Non-spousal appointments such as children, close relatives and friends could bring some challenges. Are they prepared to accept such responsibilities? Kim will share on such issues and the as naming non-spouses and substitutes in setting up your LPA Estate Planning involving foreign property Derek Liang Many of us acquire not only assets in Singapore but elsewhere in the world. The rules governing the succession of assets in other places may not be readily understood. What are the general principles that govern the succession of movable and immovable assets. Related to such principles include other aspects such as the domicile of the deceased, the impact of forced heirship rules in many civil law countries and estate duties and inheritance taxes. Derek will touch on the issues arising and the planning that will need to be addressed including the making of multiple wills to deal with the succession of assets in the foreign country. Wills —care for pets and giving to charities Joy Koh While many of us focus and address the needs and provisions for family members in will making, where there are family pets, their maintenance can also be put in the will. This scenario could be pressing especially where the testator is the primary person caring and maintaining his loved pets. Who should then shoulder the responsibility? How is the gift made? A testator may also be desirous of giving part of his money to a favoured charity or the hospice that had provided palliative care to him. Joy will share the issues associated with the giving of such legacies and the way the will could be set up to achieve his objectives.
Rockwills Estate Planning Forum 2018: Public Talk SYNOPSIS Creating Family Trust using Insurance plans Kee Siew Poh This session advocates the settlement of life insurance policies into a family trust for purposes of estate planning, asset protection and succession planning. Often one of the reasons a person will buy a policy of life insurance is to give his or her beneficiaries liquidity, that is, ready cash for the maintenance for the family; since it might be difficult or undesirable to sell some of his other assets, such as his residential home or a family business. It may also be unwise for some family members to benefit from the policy proceeds at a time when they may be financially immature. Siew Poh will highlight how a life insurance trust could help your family to achieve your legacy plan. Wills — Guardianship and care for minors Jolene Goh When the family comprise of members of tender age, one aspect to address in the will making relates to the guardianship and care for minor children. What are the ways in which a person can be a guardian and how does testamentary guardianship work? What is the role of guardians and their authority and custody rights over the child? These matters are of great importance to parents as the planning will determine the persons who will take care of their child in their absence. Ideally, the guardian should meet certain criteria such as having a genuine interest and welfare in the child and the time and financial ability to support the child. Jolene will discuss how you could go about planning for guardianship of your children and the leaving of financial provisions and the family home for their care and maintenance. Administering difficult estates Bong Ying Wei Doing a will is sometimes only half the problem. You may have to consider the complexities that could arise should the time comes for your executors to carry out their duties. Such complexities could arise in multi-situations: the rivalries among your beneficiaries, their circumstances such as vulnerabilities, the peculiar nature of your asset classes, foreign owned assets or even the conflicts between the individuals you want to act as the joint executors. Are the proposed executors able to exercise their duties impartially such as in the sale of significant assets? Alfred will discuss the merits of appointing professional executors and trustees instead of family members. While professionals need to be remunerated, they have to exercise a much higher duty of care and supervision over the estate.
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