0%
Capital Gains Tax in Singapore
Asset and Legacy Planning in Singapore
Lumora supports clients with succession planning, wealth preservation, and long-term structuring strategies in Singapore.
WEALTH STRUCTURING
ASSET & LEGACY PLANNING · SINGAPORE
Preserve What Matters. Protect What Endures.
Structured solutions for wealth preservation, succession planning, and long-term legacy arrangements — built for families and business owners in Singapore.
0%
Estate / Inheritance Tax
3
Layers of Protection in Our Framework
OUR FRAMEWORK
A Three-Layer Legacy Architecture
We design integrated structures that protect assets at every level — from company operations and investment portfolios, to family inheritance and personal financial security.
Company Layer
A private limited company with dual business streams — financial assets generating dividend income, and an operating business aligned with your background.
Trust & Will Layer
Testamentary wills and inter-vivos trusts that ensure your estate is distributed exactly as intended — efficiently and without dispute.
Wealth Accumulation
Singapore-regulated financial products positioned to grow and protect wealth across generations.
Personal Protection
Hospitalisation and medical coverage ensuring unexpected events never disrupt your broader financial and legacy plans
ESTATE PLANNING
Trusts & Wills in Singapore
Singapore's legal framework offers robust and flexible estate planning tools. Whether you prefer direct inheritance through a will or the added control through a trust, we help you structure both effectively
Will (Testamentary)
A legally binding document directing how your assets are distributed after your passing. A valid will overrides intestacy laws and ensures your wishes are honoured.
- Clear distribution of assets to named beneficiaries
- Appointment of executor to manage the estate
- Guardianship provisions for minor children
- Works alongside CPF nominations for complete coverage
- Must comply with the Wills Act (Cap. 352)
Trust Structure
A trust transfers assets to a trustee who manages them for your beneficiaries — offering greater control, privacy, and protection than a will alone.
- Inter-vivos (living) or testamentary trust options
- Protects assets from creditors and estate disputes
- Conditions can be set for distributions (e.g. age, milestones)
- Suitable for business succession and multi-generational wealth
- Governed by the Trustees Act and Singapore trust law
SINGAPORE FINANCIAL PRODUCTS
Instruments That Build & Protect Wealth
All products are regulated by the Monetary Authority of Singapore (MAS). These instruments work in concert with your trust and company structure.
SAVINGS & ACCUMULATION
Endowment & Savings Plans
LEGACY & WHOLE-OF-LIFE
Universal Life Insurance
HEALTH & PROTECTION
Integrated Shield Plans
INVESTMENT-LINKED
Investment-Linked Policy (ILP)
MULTI-GENERATIONAL
Whole Life / Legacy Plans
LONG-TERM INCOME
Dividend-Generating Assets
ADVANCED STRUCTURES
Family Office in Singapore
For high-net-worth families seeking a centralised approach to wealth management, a Family Office in Singapore offers unmatched flexibility, control, and tax efficiency. Singapore is one of Asia's leading hubs for Single Family Offices (SFOs), supported by strong regulatory infrastructure, political neutrality, and a zero capital gains tax environment. Note: Family office setup is subject to MAS guidelines. We provide advisory support as part of a broader wealth architecture engagement.
01
Single Family Office (SFO)
A private entity managing investments and affairs of one family. Exempt from MAS licensing under certain conditions, offering full operational control.
02
Section 13O / 13U Tax Incentives
MAS-approved fund incentive schemes offering tax exemption on investment income for qualifying family offices with a minimum AUM threshold.
03
Governance & Succession
Define investment mandates, family governance charters, and succession protocols ensuring continuity across generations without conflict.
04
Integrated with Trusts & Holdings
Works seamlessly alongside private trust companies and holding entities for consolidated, multi-generational wealth management.
Ready to Build Your Legacy?
Speak with our advisors to design a structure tailored to your assets, family, and long-term vision in Singapore.
