Rockwills - Integrated Estate Planner

Rockwills - Integrated Estate Planner We have 12 years experience in Estate Planning. Our mission is everyone wishes come true, even when he/she is no longer around.

We listen to your concerns first then only provide unbiased and independent estate planning solution that fit to you

Do you need a FAMILY TRUST in your estate plan?YES, if you have the following:✅ Beneficiaries below 18 years old✅ Spendt...
19/09/2021

Do you need a FAMILY TRUST in your estate plan?
YES, if you have the following:

✅ Beneficiaries below 18 years old
✅ Spendthrift beneficiaries
✅ Prevent Gold digger to your family
✅ Family member lack of financial knowledge
✅ Wealth for 3rd generation

Join our webinar today 3pm-4.30pm.
We will share with you everything about FAMILY TRUST.

The seat is limited, you may register by click the below 👇
☎ https://wa.link/ktjj6b

𝐌𝐲 𝐊𝐢𝐬𝐚𝐡 𝐁𝐞𝐧𝐚𝐫 𝐰𝐢𝐭𝐡 𝐋𝐚𝐭𝐞 𝐌𝐫 𝐊Late Mr. K, a humble and passionate journalist in his late 20s; working in a leading Chines...
27/08/2021

𝐌𝐲 𝐊𝐢𝐬𝐚𝐡 𝐁𝐞𝐧𝐚𝐫 𝐰𝐢𝐭𝐡 𝐋𝐚𝐭𝐞 𝐌𝐫 𝐊

Late Mr. K, a humble and passionate journalist in his late 20s; working in a leading Chinese newspaper company, one late night in 2017, I received his urgent call asking my help to solve an urgent will for his relative who comes down from Gua Musang, Kelantan for eye intraocular cancer treatment in IKN, Putrajaya. I still remember the night is heavy raining and I purposely drive all the way from Shah Alam to Sungai Chua, Kajang, and get his uncle's wishes done.

The simple will be done effectively and fast in three days' time; before I leave their premises, I sincerely advise Mr. K to write his will too, as he has 2 little boys and his wife is pregnant at that time. And he is the sole family breadwinner. He sincerely and politely acknowledges the importance of it and he will plan to catch up with me on the matter when he is ready.

The kick in 2 weeks after I meet him, I received a call from his manager, he was killed in a hit-and-run road accident while going to the office. His manager has queried me why I am not helping Mr. K getting his will done, I am emotionally frustrated; sad, and speechless at that time over this incident.

I deeply and self blame myself till today over this incident, for not pushing him hard to get his will done on that time. The sorrowing widow was helpless, and it takes years to unlock the estate from the deceased name; Mrs. K moves back to her hometown to continue her life till now.

There is no man in the world who can , therefore it's good we always start to ahead regardless of what is our life cycle and market condition now

𝐏𝐋𝐀𝐍 𝐖𝐄𝐋𝐋 + 𝐋𝐈𝐕𝐄 𝐖𝐄𝐋𝐋 = 𝐄𝐍𝐃 𝐖𝐄𝐋𝐋

🎯 If you would like to be consulted on an estate plan that fits your situation, don't hesitate to click the link below:

☎ https://wa.link/9j1uec

P/S: Photo Shooting in Kanchanaburi, Thailand

#你会避忌谈论写遗嘱吗？在我处理的顾客当中，有不少的顾客告诉我说他已经准备好了，可以毫无顾忌畅快的谈“死”了。但当我在和他讨论遗嘱内容时，谈到“如果你死后，资产想如何分配”，我不难发现到顾客的脸色变得有阵青有阵白了。哈哈哈哈。试问这么直接...
26/08/2021

#你会避忌谈论写遗嘱吗？

在我处理的顾客当中，有不少的顾客告诉我说他已经准备好了，可以毫无顾忌畅快的谈“死”了。但当我在和他讨论遗嘱内容时，谈到“如果你死后，资产想如何分配”，我不难发现到顾客的脸色变得有阵青有阵白了。

哈哈哈哈。

试问这么直接的谈“如果你死后…”有谁不怕呢？

我承认我也会怕！

但事实是我们虽然怕，我们不可以避开不去谈它，尤其在近期看到了太多的无常的无情！

❤ 遗嘱规划是我们在世间留下的最后份法律文件。但对我们的家人及孩子，那是份来自天堂爱的留言及持续活下去的动力！

🥵 遗嘱规划，有人草草了事，像是从来没有来过人间似的三言两语，遗嘱里什么也没有提了！平时出远门旅行，安排及吩咐的事件还多过遗嘱呢！

📢 你是否也像我一样，觉得遗嘱需要好好的规划，那么就来参加我们的这场zoom讲座会吧！

日期:28-8-2021(星期六）：
时间：3pm-430pm
地点： Zoom Meeting
收费：免费

您将会获知 :
1️⃣ 立遗嘱时需要考虑什么？
2️⃣ 怎样做到省钱？
3️⃣ 怎样做到省时？
4️⃣ 怎样做到高效率的遗嘱

你可以点击以下的链接，并注明经过Jessie Ooi 邀请：
https://lnkd.in/gtQSZFHR

𝐈𝐬 𝐬𝐭𝐚𝐲𝐢𝐧𝐠 𝐢𝐧 𝐭𝐡𝐞 𝐩𝐫𝐞𝐬𝐞𝐧𝐭 𝐞𝐚𝐬𝐲 𝐭𝐨 𝐝𝐨?“𝐅𝐨𝐫𝐠𝐞𝐭 𝐭𝐡𝐞 𝐩𝐚𝐬𝐭, 𝐝𝐨𝐧’𝐭 𝐰𝐨𝐫𝐫𝐲 𝐭𝐡𝐞 𝐟𝐮𝐭𝐮𝐫𝐞” – look simply, but it’s difficult.It is d...
22/08/2021

𝐈𝐬 𝐬𝐭𝐚𝐲𝐢𝐧𝐠 𝐢𝐧 𝐭𝐡𝐞 𝐩𝐫𝐞𝐬𝐞𝐧𝐭 𝐞𝐚𝐬𝐲 𝐭𝐨 𝐝𝐨?

“𝐅𝐨𝐫𝐠𝐞𝐭 𝐭𝐡𝐞 𝐩𝐚𝐬𝐭, 𝐝𝐨𝐧’𝐭 𝐰𝐨𝐫𝐫𝐲 𝐭𝐡𝐞 𝐟𝐮𝐭𝐮𝐫𝐞” – look simply, but it’s difficult.

It is difficult because the past keeps reminds us of what’s happened. We cannot let go of the emotional disturbance, no matter is the pleasure or sorrow.

It is difficult because we can’t stop imagining the future. Sometimes it is a beautiful picture in our imagination. Sometimes not when we are in fear, insecurity, and disappointment.

No matter what happened in the past or what might be happening in the future, the key is still “Present”.

👼 If we want to have a happy and successful life,

✅ 𝐏𝐚𝐬𝐭 - Forgive and let go of the past
✅ 𝐅𝐮𝐭𝐮𝐫𝐞 – According to Law of attention, what you focus, it expands
✅ 𝐏𝐫𝐞𝐬𝐞𝐧𝐭 - Commitment on we want to embrace a happier and successful life

Happy weekends.
Stay safe, stay healthy and stay wealthy.

𝐅𝐚𝐭𝐡𝐞𝐫 𝐈𝐧 𝐋𝐚𝐰 𝐂𝐫𝐲 𝐅𝐨𝐮𝐥Michael (Ficticious Name), a retired servant in his late 60, during his young time, he work very h...
21/08/2021

𝐅𝐚𝐭𝐡𝐞𝐫 𝐈𝐧 𝐋𝐚𝐰 𝐂𝐫𝐲 𝐅𝐨𝐮𝐥

Michael (Ficticious Name), a retired servant in his late 60, during his young time, he work very hard to grow up his only son, Johnny to become a successful banker.

He put all the hope on this son, he only has 2 assets, that is only house and the son, without much savings left after spending majority of his savings sending Johnny to the USA to complete his tertiary education and MBA.

Micheal is very proud of his son's achievement.

Micheal's wife passes away due to cancer 5 years ago, he decided to transfer his only property to his only son Johnny, as a gift of love during Johnny's marriage with Sarah in year 2019; and as a token of appreciation to take care of him during his retirement golden age.

Micheal stays together with his only son and daughter-in-law Sarah and thought he can recover from the sadness after his wife passing on and enjoy his retirement comfortably.

Until sad tragedy kick in, the only son of Micheal, pass away in a road accident.

As Johnny has written a will to bequest all his estate to his wife Sarah, Sarah has inherited the father-in-law only property indirectly, the relationship of Sarah and Micheal later turns sour, as Sarah is stressed to fulfill creepy and emotional father in law demand.

The life and emotion of Micheal become a pity and stressful as the widow Sarah now engaged a new boyfriend, and she decided to ask Micheal to leave the property inherited from hubby.

Micheal has not much choice but to check in to an NGO old folks home with deep regret and cry foul.

If Micheal has done 𝐎𝐥𝐝 𝐀𝐠𝐞 𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐓𝐫𝐮𝐬𝐭 in advance instead of transfer all his assets to his son during his lifetime, then at least he has the ability to taken care hs own retirement concern and with a house of shelter.

I will share more on the Old Age Trust in the coming days!

If you have concern on how to take care ourself on our golden age, feel free to DM me.

☎ https://wa.link/jkjz8c

𝐒𝐡𝐨𝐮𝐥𝐝 𝐈 𝐧𝐚𝐦𝐞 𝐦𝐲 𝐰𝐢𝐟𝐞 𝐚𝐬 𝐧𝐨𝐦𝐢𝐧𝐞𝐞 𝐢𝐧 𝐦𝐲 𝐥𝐢𝐟𝐞 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐰𝐡𝐢𝐜𝐡 𝐬𝐮𝐦 𝐚𝐬𝐬𝐮𝐫𝐞𝐝 𝐑𝐌𝟑 𝐦𝐢𝐥?My client asks me this question.🎯His con...
18/08/2021

𝐒𝐡𝐨𝐮𝐥𝐝 𝐈 𝐧𝐚𝐦𝐞 𝐦𝐲 𝐰𝐢𝐟𝐞 𝐚𝐬 𝐧𝐨𝐦𝐢𝐧𝐞𝐞 𝐢𝐧 𝐦𝐲 𝐥𝐢𝐟𝐞 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐰𝐡𝐢𝐜𝐡 𝐬𝐮𝐦 𝐚𝐬𝐬𝐮𝐫𝐞𝐝 𝐑𝐌𝟑 𝐦𝐢𝐥?
My client asks me this question.

🎯His concern is if his wife gets the insurance payout, will she squander it, or make the wrong investment decision and lost the money?
✅I advise him to do an Insurance Trust, so he can set the conditions on how to spend the insurance payout. But it might take a longer time to complete the whole process, as it involves the absolute assignment of the policy to the Trustee Firm and stamping in Inland Revenue.

🎯 Then my client worries how if he diagnoses Covid 19 before the process is complete?
✅ So, I advise him to do the Will first before doing Insurance Trust.
I help him to set up a trust in a Will, which I help him do a budget calculation on how to allocate his insurance payout to few different financial goals, such as pay off his mortgage loan, take care of his elderly parents, children education and family maintenance. But he needs to revoke his wife from the nomination.

🎯 Then he asks me if revoke wife from nomination, will open for a creditor to claim his insurance money?
✅ So, I tell him with the budget calculation on how to allocate the insurance payout to different purposes, as long no tremendous increase on outstanding loan on the year 2021, the structure is fit and suit his current wishes.
If any changes in financial and life situations in the future, he can revise the plan to suit the later situation.

❤ Finally, he happily starts his estate planning with a Will then follow by the insurance trust.

👼 I help my client integrate financial planning into estate planning. 𝐀𝐧 𝐞𝐬𝐭𝐚𝐭𝐞 𝐩𝐥𝐚𝐧 𝐢𝐬 𝐧𝐞𝐯𝐞𝐫 𝐜𝐨𝐦𝐩𝐥𝐞𝐭𝐞𝐝 𝐢𝐟 𝐢𝐭 𝐡𝐚𝐬 𝐧𝐨 “𝐄𝐬𝐭𝐚𝐭𝐞 𝐚𝐥𝐥𝐨𝐜𝐚𝐭𝐢𝐨𝐧” 𝐭𝐨 𝐚 𝐝𝐢𝐟𝐟𝐞𝐫𝐞𝐧𝐭 “𝐄𝐬𝐭𝐚𝐭𝐞 𝐆𝐨𝐚𝐥”.

𝐈𝐟 𝐲𝐨𝐮 𝐚𝐫𝐞 𝐢𝐧𝐭𝐞𝐫𝐞𝐬𝐭𝐞𝐝 𝐭𝐨 𝐤𝐧𝐨𝐰 𝐦𝐨𝐫𝐞 𝐚𝐛𝐨𝐮𝐭 𝐡𝐨𝐰 𝐭𝐨 “𝐞𝐬𝐭𝐚𝐭𝐞 𝐚𝐥𝐥𝐨𝐜𝐚𝐭𝐢𝐨𝐧” 𝐭𝐨 𝐝𝐢𝐟𝐟𝐞𝐫𝐞𝐧𝐭 “𝐞𝐬𝐭𝐚𝐭𝐞 𝐠𝐨𝐚𝐥𝐬”, 𝐝𝐨 𝐩𝐦 𝐦𝐞!
☎ https://wa.link/7mh22d

这个疫情教会我们的东西实在太多了！❤ 我们学会了珍惜 ~“珍惜自己, 家人, 朋友及现在所拥有的一切”❤ 我们学会了接受 ~"接受一切不在我们预期之下的改变“❤ 我们学会了和恐惧在一起生活 ~ “在每天新诊超过两万的底下, 我们还是得做工养...
16/08/2021

这个疫情教会我们的东西实在太多了！
❤ 我们学会了珍惜 ~“珍惜自己, 家人, 朋友及现在所拥有的一切”
❤ 我们学会了接受 ~"接受一切不在我们预期之下的改变“
❤ 我们学会了和恐惧在一起生活 ~ “在每天新诊超过两万的底下, 我们还是得做工养家呀!”

如果你对如何做个合法,实用,完整的遗产规划有疑问，请联系我。
☎ https://wa.link/xw2c80

We started reading club effective from 2.8.2021. The first book in our reading club is “Secrets of the Millionaire Mind”...
06/08/2021

We started reading club effective from 2.8.2021. The first book in our reading club is “Secrets of the Millionaire Mind”.

👉The main key I learned is the concept of The Roots Create the Fruits.
👉Let’s imagine a tree, and this tree represents the tree of life. On this tree there are fruits. In life, fruits are called results.
👉If we don’t like the fruits, what do we tend to do?
😋Most of us put even more attention on the fruits, our results.
🙄But what is it that creates those fruits? It’s the seeds and the roots that create those fruits!
😁It’s what's under the ground that creates what’s above the ground.

✅ What does that mean?
❤ It means that if you want to change the fruits, you will first have to change the roots.
❤ If you want to change the visible, you must first change the invisible.

💰 How this concept reflects in personal finance?
✔Our existing financial situation, be they rich or poor, good or bad, is simply a reflection of our inner world.
✔It reflects our inner belief system on money.
✔We can’t totally freedom from financial stress until we make it clear on our money relationship.

🚦Do you agree with it? Let me hear about your money relationship!





My client asks: “Can I exclude my wife as a beneficiary in my Will?!”Me: “Of course you can exclude your wife as a benef...
05/08/2021

My client asks: “Can I exclude my wife as a beneficiary in my Will?!”
Me: “Of course you can exclude your wife as a beneficiary in your Will. You can name anybody as beneficiary, it is your Will, your choice.”
Me: “You can re-write your Will anytime as long as you are mentally fit to do so.”

He was happy with my answer and start discussing with me the Will contents.

But wait a while, something seems wrong!
Although legally he can do so?!

❤ Let see the impact after his decease:
1️⃣ It is a storm surprise to his wife on this arrangement!
2️⃣ Emotionally the wife feels sad, disappointed, depress, angry, and even hate!
3️⃣ She will start to take legal action to challenge the Will!
4️⃣ The wife's relationship with Will’s beneficiaries might turn sour and breakout! Worse if the beneficiaries mentioned in the Will, are their children!
5️⃣ The wife might lose the financial source and need to depend on children to provide for her living and medical expenses!
6️⃣ Because of all the above factors, she might fall sick!

😂 Oh no! Why do we want to end the relationship in this way?!

👼Don’t bring the hate to the grave!

☎ Do PM me, if you need to talk about your Will.
👉 https://wa.link/sbxpug
📞 DO PM me, if you need to review your Will.
👉 https://wa.link/w1k1oq





祝大家冬至团圆。家团圆，人团圆，事业团圆，国家团圆，天下团圆。团圆真的好重要。
21/12/2020

祝大家冬至团圆。
家团圆，人团圆，事业团圆，国家团圆，天下团圆。团圆真的好重要。

爸爸走的那个下午，很冲忙。记忆中从早上与医生讨论，我们想带爸爸回家，不想他再做任何抢求，到中午医生来电说刻不容迟，马上来医院帶爸爸回家，我们一直在与时间赛跑。过了兩个月，收捨书桌，看到了爸爸的讣告，无限的思念涌上心头。有种爱，叫无限的爱。有...
03/12/2020

爸爸走的那个下午，很冲忙。
记忆中从早上与医生讨论，我们想带爸爸回家，不想他再做任何抢求，到中午医生来电说刻不容迟，马上来医院帶爸爸回家，我们一直在与时间赛跑。
过了兩个月，收捨书桌，看到了爸爸的讣告，无限的思念涌上心头。

有种爱，叫无限的爱。
有种思念，叫剪不掉的思念。

请我的朋友，顾客及未来的顾客，谈遗嘱时忘掉过去及正在发生，不管是和孩子, 兄弟姐妹, 父母亲的争吵。若不是因为爰，哪会争吵! 亲情是没有東西可以替代的!

若不是因为你对家人的爱，遗嘱也没有意义了!

#我的遗嘱我的故事




#家庭

一日之计在於晨。美好的人生从运动及健康的飲食开始。我喜欢把东西做好的习惯，终于可以煮出好好吃的黑芝麻糊，家里的兩个老人家都称赞👍 oh yes!祝福大家有个美好的周四。 #我的遗嘱我的故事
03/12/2020

一日之计在於晨。
美好的人生从运动及健康的飲食开始。
我喜欢把东西做好的习惯，终于可以煮出好好吃的黑芝麻糊，家里的兩个老人家都称赞👍 oh yes!
祝福大家有个美好的周四。

#我的遗嘱我的故事




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