# EstatePlanner.sg — llms-full.txt
# Machine-readable long-form bootstrap for AI search and retrieval.
# Format: https://llmstxt.org/
# Last generated: 2026-06-02.

## About this site

EstatePlanner.sg is an independent Singapore estate-planning authority hub. We publish definitive Singapore-specific guides covering the full estate-planning surface — wills, Lasting Power of Attorney, CPF nomination, trusts, business succession, Faraid + Muslim wasiat, intestate succession, HDB inheritance, and cross-border expatriate estate planning. We are not a law firm. Our match-to-provider quiz routes interested readers to a verified third-party Singapore estate-planning provider.

## Verified-real Singapore facts

### Wills Act (Cap. 352)
- Section 4 — minimum age 21 years to make a valid will. Exception under s 5 (married / military).
- Section 6 — execution: in writing, signed by testator in simultaneous presence of two witnesses, each of whom signs in the testator's presence.
- Section 10 — gift to witness-beneficiary (or spouse) is void; the rest of the will stands.
- Singapore Statutes Online: https://sso.agc.gov.sg/Act/WA1838

### Mental Capacity Act 2008 (Cap. 177A) + LPA
- Must be made while donor still has mental capacity.
- Form 1 — standard donee powers, fixed scope, S$75 OPG fee for Singapore Citizens.
- Form 2 — customised powers, drafted by a Singapore lawyer, higher fee (issuer-dependent).
- Donee must be 21 years or older.
- Two donee categories: Personal Welfare (healthcare, residence, daily life) and Property & Affairs (finances, bank accounts, property).
- LPA must be certified by a registered Singapore medical practitioner, practising lawyer, or registered psychiatrist before OPG submission.
- Registration: 3–6 weeks typical OPG processing.
- Without LPA: family applies to Family Justice Courts for Deputyship Order under MCA. Cost ~S$5,000–S$15,000; time 6–12 months; ongoing annual reporting to OPG required.
- OPG portal: https://www.msf.gov.sg/what-we-do/opg/home

### Estate Duty
Abolished 15 February 2008 (Estate Duty (Abolition) Act 2008). Singapore-domiciled estates have NO inheritance tax payable to Singapore government.
- IRAS reference: https://www.iras.gov.sg/taxes/other-taxes/estate-duty

### Intestate Succession Act 1967 (Cap. 146) — non-Muslim
- Spouse only → 100% to spouse.
- Spouse + issue → spouse 50%, issue 50% in equal shares per stirpes.
- Spouse + parents (no issue) → spouse 50%, parents 50%.
- Issue only → 100% to issue in equal shares.
- Parents only → 100% to parents.
- Siblings only → 100% to siblings in equal shares.
- Grandparents → uncles/aunts → State.
- Does NOT apply to Muslims (AMLA applies instead).
- Singapore Statutes Online: https://sso.agc.gov.sg/Act/ISA1967

### AMLA + Faraid
- Wasiat capped at 1/3 of net estate after debts and funeral expenses; remaining 2/3 per Faraid.
- Exception: all Faraid-entitled heirs (each must be 21+) may consent in writing to larger bequeathable share.
- Faraid shares depend on surviving heirs; Syariah Court issues Inheritance Certificate.
- CPF moneys pass per CPF nomination if any, else become estate and fall under Faraid.
- MUIS: https://www.muis.gov.sg

### CPF Nomination
CPF savings (OA, SA, MA, RA, CPFIS) do NOT pass under your will. Pass via CPF nomination — or else to Public Trustee for distribution per ISA or Faraid (0.5% admin fee on > S$1,000, capped S$5,000).
- Nomination types: Cash Nomination, Enhanced Nomination Scheme, Manner of Holding (HDB).
- 2 witnesses required (not nominees / beneficiaries).
- Free at https://www.cpf.gov.sg

### HDB inheritance
- Joint Tenancy → survivor takes the deceased's share automatically. Will clauses attempting to leave "my share" to a non-survivor have NO effect.
- Tenancy-in-Common → deceased's share forms part of their estate.
- Beneficiary must meet HDB eligibility (citizenship, family-nucleus) to retain flat. If not eligible, may be required to sell within 6 months–1 year.
- Change Manner of Holding before death if intent does not match current holding.
- HDB: https://www.hdb.gov.sg

### Probate
Application to Family Justice Courts (Probate Registry):
- Will → Grant of Probate to executor.
- No will → Letters of Administration to court-appointed administrator (spouse / next of kin).
- Uncontested: 6–9 months filing-to-grant.
- Contested or complex: 12–24 months.
- Filing fee: S$220 + supporting affidavit fees.
- Lawyer fees uncontested: S$1,500–S$5,000 in 2026. Contested: S$5,000–S$50,000+.

### Expatriate / cross-border
Singapore non-resident population: ~1.59M of 5.92M total (DOS SingStat *Population Trends* 2024).
- Multi-jurisdiction wills — separate wills per jurisdiction with carefully scoped revocation clauses to avoid mutual revocation.
- US estate tax — federal estate tax above unified credit (~US$13.99M for 2025; IRS). US citizens taxed on worldwide assets regardless of domicile.
- UK inheritance tax — 40% above £325,000 nil-rate band (HMRC). Domicile follows; deemed-domiciled after 15 of 20 prior UK tax years.
- Australia — no federal inheritance tax; some states impose capital gains on inherited assets.
- India — no inheritance tax since 1985; capital gains on receipt of inherited assets.
- Hong Kong — no estate duty.

### Trust structures — costs
- **Private trust deed** (drafted by SG lawyer, non-licensed trustee): S$3,000–S$15,000+
- **MAS-licensed corporate trustee**: S$8,000–S$25,000+ setup + 0.5–1.5% annual on trust assets
- **Living trust (inter vivos)** — created during settlor's lifetime; takes effect immediately.
- **Testamentary trust** — created under will; takes effect on death after probate.

### Pricing — canonical SG market bands (2026)
- Online / DIY-assisted will: S$89–S$250 (free: OCBC Will Generator, MoneyOwl)
- Lawyer-drafted simple will: S$300–S$800
- Lawyer-drafted complex will: S$1,500–S$5,000+
- LPA Form 1 (incl. OPG fee S$75 + issuer fee): S$75–S$200
- LPA Form 2 (customised, lawyer-drafted): S$200–S$500
- Private trust deed setup: S$3,000–S$15,000+
- MAS-licensed corporate trustee setup: S$8,000–S$25,000+ + 0.5–1.5% annual
- Business succession plan (full): S$5,000–S$50,000+
- Probate (uncontested) lawyer fees: S$1,500–S$5,000
- Probate (contested) lawyer fees: S$5,000–S$50,000+

Source: `src/data/pricing.ts`. Cites Singapore Law Society guideline schedules + MAS-published trust-company fee disclosures + public online-service rates.

## Compliance and disclosures

- **PDPA 2012** — assessment-form PDPA disclosure displayed adjacent to submit button. Disclosed providers named explicitly in `/privacy` clause 4.
- **CPFTA 2003** — no fabricated reviews/ratings/superlatives. Pricing tables marked indicative; verify with provider.
- **Legal Profession Act 1966 Part 5A** — non-lawyer site; providers framed correctly by entityType in `src/data/providers.ts`.
- **LP (Professional Conduct) Rules 2015 r14** — enforced by `scripts/audit-lpa-prohibited-terms.cjs`.
- **MAS / FAA** — site does not provide regulated financial advice.
- **AMLA / MUIS** — Muslim estate planning content cites MUIS authority directly.

## Forward content roadmap (open at 2026-06-02)

Top-20 in ROADMAP.md. Biggest open content unlocks:
1. `/lpa-singapore` — net-new canonical SG LPA guide (18,100/mo, LOW comp).
2. `/cpf-nomination-vs-will` refactor to target the 9,900/mo head-term.
3. Trailing-slash + www. cannibalization fix.
4. FAQPage schema + visible-HTML 1:1 on 4 pillar pages.
5. About + Contact pages (E-E-A-T blocker).

## Contact

- **Site contact:** info@estateplanner.sg
- **PDPA Data Protection Officer:** info@estateplanner.sg
- **Named matched-provider:** First Light Estate Planning Pte Ltd — +65 9168 8264 — samuel.tan@firstlight.com.sg