“Daddy, What Happens To Everything When You’re Gone?”

That question hit me like a freight train.

Because I had no real plan.

And worse — I had no idea how to pass down my values, not just my money.

This is for every Malaysian business owner, high-income earner, or parent who’s ever asked:

👉 “How do I make sure what I built doesn’t go to waste?”
👉 “How do I pass on more than just money?”

💭 STEP 1: What Does Legacy Even Mean to YOU?

Legacy isn’t just who gets the Mercedes or the house in Mont Kiara.

It’s:

• The values you want your family to carry.
• The causes you care about.
• The structure that prevents wealth from becoming family war.

Ask yourself:

• Do I want to support education? Religion? Social causes?
• Do I want my kids to run the business or sell it?
• How much freedom should they have with what I leave behind?

No one can answer this for you.

Get clear on it, then build everything around that vision.

💼 STEP 2: Know What You Actually Own

Seriously, list it all out:

Property? ✅

Unit trusts? ✅

Your secret crypto wallet? ✅

That RM2.5 million business stake you’ve ignored? ✅

If your asset list lives in your head, it might die there too.

Put it on paper.

📜 STEP 3: Choose Your Weapons — Will, Trust, Foundation

Now we get to the tools.

Think of this like legacy architecture.

🧾 A Will

• Direct.
• Clear.
• But public.

Great for straightforward distributions.

Not ideal for controlling timing, privacy, or family dynamics.

🔐 A Trust

Best if you want to:

• Protect minors
• Delay inheritance (e.g. “At 25 you get X”)
• Keep things private
• Avoid probate

🎯 A Family Foundation

• Ideal if philanthropy is in your DNA.
• Can support causes like education, religion, healthcare.
• Adds meaning to your wealth beyond just passing it on.

✍️ STEP 4: Write a Legacy Letter (Ethical Will)

• This isn’t a legal doc.
• This is your heart on paper.
• Talk about your values.
• The hard choices.
• The lessons.
• The love.

Let your family know why you built what you built — and what you hope they’ll do with it.

🧑‍💼 STEP 5: Build a Real Advisory Team

You’re not going to Google your way to a solid legacy plan.

Bring in:

• A Malaysian estate lawyer
• A financial planner with high-net-worth experience
• A tax specialist who understands family wealth structures
• A licensed trustee or legacy planning expert

Pro tip: Choose people who understand YOUR vision — not just forms and fees.

Or if you want to skip the hassle of dealing with so many people or if you don’t know who to call, just contact us lah lol.

🗣️ STEP 6: Talk to Your Family Now

• Don’t drop surprises from the grave.
• Sit them down.
• Explain your thinking.
• Invite questions.
• Set expectations.

You’ll avoid decades of misunderstandings — and maybe even lawsuits.

🔁 STEP 7: Review Your Plan Every 1–2 Years

• Things change: you grow, you invest, you lose, you win.
• Update your legacy structure accordingly.

Hope this helps.

I’ll talk to you again soon!