Shane Tan- Financial Guardian Angel

月圆人圆事事圆，花好月好家团圆。
愿这份月光带去我的祝福与思念，
祝你中秋节快乐、平安健康、幸福满满 💛

浅浅记录一下这两个星期忙着跟客户宝宝们做claim的样子

Wishing everyone happy Mid Autumn Festival 🌕

🇲🇾在马来西亚的遗嘱分配法并非全国统一。西马和砂拉越是根据Distribution Act 1958 (Revised 1983)而沙巴州则是用Intestate Succession Ordinance 1960。😧这两个条律的分配法有少许不同，但法律流程基本上大同小异的。所有遗产还是会被冻结，都是需要执行人/管理人跟法院申请Grant of Probate(GP) 或 Letter of Administration (LA)。

相信你们对TVB剧溏心风暴、家族荣耀等电视剧不陌生吧！你以为只有那些富有人家临终前才立遗嘱。但事实上，立遗嘱并不只是有钱人的事情。

🤔那到底谁需要立遗嘱呢？不立遗嘱会怎么样分配呢？
✅只要你年满18岁并且拥有至少一项财产(saving account/ car/ properties/ shares/ gold/ unit trust, etc)
✅无论财产多少，都应该需要立遗嘱。不然就像以上的案例一样，自己辛辛苦苦赚来的财富去到不想给的人手中，甚至最后的最后有可能归政府😈

🛑许多人认为自己没有多少财产，没有必要立遗嘱。又或者觉得很贵很麻烦，一拖再拖结果最后把所有的麻烦和债务留给我们的至亲至爱。谁说死亡只是老人家的专利？人生很无常，你身边可能也遇见过同龄的朋友甚至比自己年轻的亲人突然离世。如果意外真的先来我们被逼离去，至少我们能确保他们的生活安排妥当，这是对家人的责任，避免留下未解的麻烦。家人除了要面对至亲的离开，还要去烦一大堆的法律程序和费用，还有一大堆的债务，这绝对不是你想要的对吧。

对于一个普通家庭，最基本的债务和负担包括：
💸房贷
💸车贷
💸信用卡债务
💸银行贷款
💸每个月的家庭生活开肖
💸子女教育费用
💸父母赡养费
🤔这些债务该如何应对呢？这还没包括遗产执行的律师费，房产车子的割名费，Stamp Duty，Cukai等等…单靠银行saving account, FD和EPF可以让家人tahan多久？因此，一个完整的遗产规划必须覆盖到Funding Calculation的这一块来精准的计算出需要多少费用，在利用Life Insurance来以最小的资金帮你解决到这些很现实又庞大的的债务问题！！

‼️ 切记切记切记‼️
🆘很重要所以必须重复3次！只有EPF和人寿保险的资金可以在短时间内直接发放给受益人，是creditor proof,而且不需要被抽税的。🆘前提是必需指定好正确的受益人，不然没有受益人的话就会当作是普通遗产，和其他遗产种类一样必须被冻结，然后还是要通过很长时间和繁杂的法律流程

总结来说：
🖋️设立遗嘱： 你可以指定遗产执行人和安排未成年小孩的监护人。
📃 配合设立信托： 信托公司将作为遗产管理人，负责处理所有遗产和更细腻的分配财产，更好的保护不善管理钱财的受益人比如未成年小孩、家庭主妇等。
❌没有立遗嘱和信托： 逝者的亲属需要决定遗产管理人，并向高等法院申请遗产管理状然后依据马来西亚分配法来分配。

✍️ 立遗嘱可以通过我们的遗产规划律师Finex & Co来安排，费用约RM500-RM888就能够解决以上的问题了。
🏦 配合设立遗嘱信托的费用大约+RM1***左右。
➕免费一次咨询Funding Calculation来帮你准备足够的资金解决债务问题

✳️无遗嘱或信托可能导致遗产分配不符合逝者的意愿，还可能给亲属带来法律和经济上的负担。因此，立遗嘱或设立信托是确保财产按照你的意愿分配的重要措施。就像买保险一样，意外和明天不知道哪个先到。你的保险都有受益人，为什么你的房产和银行户口没有的？

家人们赶快行动起来呗！为了自己的家人爱人，为了血汗钱不落到别人手里，赶快做好遗产规划吧。❤️❤️❤️

，关注我了解更多遗产规划的知识
#遗产继承 #税务规划 #理财规划 #生前信托 #遗嘱信托 #马来西亚非穆斯林法律 #遗嘱 #让爱传承

Have you ever thought about how your loved ones will be cared for after you're gone? Writing a will is one of the most important steps you can take to ensure your wishes are honored and your family is protected.

✍️ Why Write a Will?
1. Protect Your Loved Ones: Clearly outline who will inherit your assets and take care of your children.
2. Prevent Family Disputes: Avoid conflicts by specifying your wishes clearly.
3. Ensure Your Wishes Are Followed: Make sure your personal belongings and assets go exactly where you want them to.
4. Peace of Mind: Gain the reassurance that your affairs are in order, no matter what the future holds.

🔑 Did You Know?
- Without a will, the distribution of your assets will be left to the courts, which might not reflect your desires.
- A will isn't just for the wealthy. Everyone can benefit from having one, no matter the size of your estate.

💡 Take Action Today from as low as RM500!!!
- Start by listing your assets and deciding how you want them distributed.
- Keep your will in a safe place and let your trusted family members know where it is.

Don't leave your loved ones with uncertainty. Secure your legacy and give yourself peace of mind by writing your will today. Need help getting started? PM me for more details.

Your legacy matters. Take the first step now. 💙

Stepping into 2024 with hearts full of dreams, minds open to possibilities, and souls brimming with positivity.

Wishing everyone a vibrant and Happy New Year! 🌟🎊

FREE INSURANCE!! FREE INSURANCE!! FREE INSURANCE!!

Nowadays, the smart people will not purely BUY insurance. If nothing happen the money will be burned!!
ARRHHH..... What a waste!!!

So how to claim the FREE INSURANCE PROTECTION?
When you opened a saving account in Great Eastern, and start your SAVING EVERY MONTH, you will be entitled for the INSURANCE PROTECTION!

So what are the FREE Insurance Protection covered?
It's TOP 5 most common diseases in Malaysia❗️
1️⃣ Cancer
2️⃣ Heart disease
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Not only that, have you heard about upon admission to hospital, the insurance company will pay a one lump sum amount to you?

Yes!! Great Eastern is the FIRST and ONLY insurer to pay back the policy holder in such circumstances!

✅As long as you are for at least 21 days with major surgery

OR

✅ Admitted into (ICU) for at least 7 days consecutively

😍A lump sum of RM100,000 will be credited to YOUR bank account!😍

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Claim the money if any unfortunate events as stated above happened,

OR

Get a guarantee 100% of your saving back at the age of 80 if nothing happen!!

It's too good to be true isn't?! Grab the FREE PROTECTION NOW!
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有智慧的女人真的很让人佩服❤️

I'm doing my job,
to ensure my clients are worry-free whenever they are in emergency,
to ensure they are fully understand what protections they have.

I'm sharing the knowledge I know to the people I love.
Thank you for trusting me, and appointing me as your Financial Guardian Angel.