Protect the Legacy You've Built.
Your Will is more than a document. It's a plan for what happens to the assets you've spent a lifetime building.
You already have beneficiaries
for your EPF & insurance.
But what about everything else you own?
EPF and insurance let you nominate. Most other assets do not. Without clear instructions, they generally pass through the estate administration process before anyone in your family can deal with them.
When there is no clear plan…
What normally happens to an estate, step by step — and where families most often get stuck.
The above is a general description of common estate administration outcomes in Malaysia. Timelines, costs and procedures vary with each estate. Nothing on this page is legal advice, and no specific outcome is guaranteed. Please speak to Dr. Karen about your own circumstances.
Ten moments, one family's story.
A short story series showing what estate administration can generally look like for a Malaysian family — and what having a plan can change. Tap any card for the full scene.
These scenarios are illustrative, for general educational purposes, and do not depict any real person or family. Outcomes vary by individual circumstances. Nothing on this page is legal advice — please speak to Dr. Karen about your own situation.
Estate planning is more than writing a Will.
Each package on this page is built from these four parts. Which combination you need depends on your assets and your family.
Will
Names your executor, your beneficiaries and the guardian for your children, and records your instructions in writing.
Custody
A Will that cannot be produced cannot be acted on. Lifetime Premium Custody stores the signed original in secure custody for life.
Trust
A Testamentary Trust lets a trustee release the inheritance on the terms you set, instead of everything arriving at once.
Asset Inventory
Real-Time Inventory Update keeps your asset list current each year, so nothing is left untraceable.
Which level of planning do you need?
Four common starting points. Pick the one that sounds most like you.
Which plan is right for me?
Four questions, no forms, nothing submitted. This is a starting point for your conversation with Dr. Karen — not a recommendation of legal advice.
What are you mainly looking for?
Would any beneficiary need help managing what they receive?
For example young children, elderly parents, or someone who would struggle with a lump sum.
How would you describe your assets?
Are you planning for yourself, or as a couple?
Choose the level of protection that fits.
Every plan is drafted and vetted by professional legal advisors, and every one includes the same core clauses. What changes as you move up is how long we stay responsible for it. Tap any card for the full detail.
For larger or more complex estates
Worth a conversation before you choose.All prices exclude 8% SST. RM100 printing and administration charges apply. Every Will is drafted and vetted by professional legal advisors. All terms and conditions apply and are subject to change by FINEX & CO Legacy Advisory. Grant of Probate subsidy covers legal fees only.
What's included at each level
The core clauses are identical across every package. This table shows what changes.
| Benefit | EP500RM500 | EP888RM888 | EP2388RM2,388 | EP1988RM1,988 | EP3488RM3,488 |
|---|---|---|---|---|---|
| Will | ✓ | ✓ | ✓ | ✓ | ✓ |
| Unlimited assets | — | ✓ | ✓ | ✓ | ✓ |
| Free rewrite | — | ✓ | ✓ | ✓ | ✓ |
| Lifetime Custody | — | — | ✓ | — | ✓ |
| Testamentary Trust | — | — | — | ✓ | ✓ |
| Executor Legal Support | — | — | — | ✓ | ✓ |
| Grant of Probate subsidy | — | — | Up to RM5,000 | — | Up to RM5,000 |
| Subsequent rewriting discount | — | — | 50% | — | 50% |
- Will✓
- Unlimited assets—
- Free rewrite—
- Lifetime Custody—
- Testamentary Trust—
- Executor Legal Support—
- Grant of Probate subsidy—
- Rewriting discount—
- Will✓
- Unlimited assets✓
- Free rewrite✓
- Lifetime Custody—
- Testamentary Trust—
- Executor Legal Support—
- Grant of Probate subsidy—
- Rewriting discount—
- Will✓
- Unlimited assets✓
- Free rewrite✓
- Lifetime Custody✓
- Testamentary Trust—
- Executor Legal Support—
- Grant of Probate subsidyUp to RM5,000
- Rewriting discount50%
- Will✓
- Unlimited assets✓
- Free rewrite✓
- Lifetime Custody—
- Testamentary Trust✓
- Executor Legal Support✓
- Grant of Probate subsidy—
- Rewriting discount—
- Will✓
- Unlimited assets✓
- Free rewrite✓
- Lifetime Custody✓
- Testamentary Trust✓
- Executor Legal Support✓
- Grant of Probate subsidyUp to RM5,000
- Rewriting discount50%
Why would I need more than a Will?
Three situations where the added parts tend to earn their place.
Young Children
A Trust may help provide structured management of an inheritance, so what you leave is released over time rather than handed over all at once.
Business Owners
Company shares and business interests may require more thoughtful planning, including how a partner might buy out your share.
Larger or More Complex Assets
A combination of Will, Custody, Trust and Inventory may provide a more comprehensive structure when there is more to keep track of.
Build your own estate planning solution.
Each of these can be taken on its own, added to a Will you already hold, or bundled into a package above.
Executor and trustee appointment through Amanah Raya Berhad or Pavilion Prime Trustee Berhad is RM100, and is waived in the Ultimate Will package. All prices exclude 8% SST.
Will, Custody, Executor Appointment and Inventory Updates — bundled.
Four bundles available during the promotion period. Every bundle includes one free rewrite and a Grant of Probate service worth RM5,000 at no cost.
Maximum entry age 70. Limited time offer. Prices are not inclusive of 8% SST. RM100 printing and administration charges shall apply. EP2588 comprises Advance Will, Lifetime Custody, Executor Appointment and Real-Time Inventory Update. EP3688 comprises Premium Will with Testamentary Trust, Lifetime Custody, Executor Appointment and Real-Time Inventory Update.
Questions people ask before they start.
Plan your legacy with someone who understands your bigger picture.
Dr. Karen Gan is a Professional Asset Planner. Her role is to help clients understand how their assets can be organised, protected and passed on according to their wishes — and to make the process straightforward rather than daunting.
She offers Will writing, lifetime custody and trust planning through i-Smart Will by FINEX & CO Legacy Advisory. Every Will is drafted and vetted by professional legal advisors.
Tell Dr. Karen what you're planning for.
Fill this in and she'll come back to you personally. No obligation, and nothing is charged for the first conversation.
What happens after you send this
You'll hear from Dr. Karen directly — not a call centre, and not an automated sequence.
- 1She reads what you wroteYour situation, not a generic script.
- 2A free consultationBy WhatsApp, phone or in person — whichever suits you.
- 3A clear recommendationWhich package fits, and just as importantly, which parts you don't need.
Thank you
Dr. Karen will come back to you personally. If it's urgent, WhatsApp is the fastest way to reach her.
The people
For each person below: full name, NRIC number, address, contact number and email.
- TestatorYou — the person making the Will
- BeneficiariesMain and substitute
- ExecutorMain and substitute
- GuardianMain and substitute, if you have children under 18
The assets
Bring whatever applies to you. The Advance Will and above have no limit on how many you can list.
- PropertyAddress
- LandAddress and a copy of the title
- VehiclePlate number
- InvestmentsPlatform name and account number
- Bank accountsBank name and account number
- CompanyName, address, registration number — and shareholding % if there are other shareholders
- Club membershipClub name, address and registration number
- EPFMembership number
- Insurance policyInsurer name and policy number
- OthersWatches, jewellery, antiques, gold, designer bags
Don't have it all to hand? That's normal, and it isn't a reason to delay. Dr. Karen will work through the list with you, and Real-Time Inventory Update (RM100/year) keeps it current as things change.
Don't leave your family with questions.Give them a plan.
A free, no-obligation consultation. Bring what you own and who you want to look after — Dr. Karen will do the rest.