Estate & Asset Protection Consulting

The fear that stops most people from getting help is the belief that insolvency means losing everything. It usually does not. Singapore law protects a great deal — CPF monies, certain insurance policies, tools of your trade, and in many cases the flat your family lives in.

What matters is understanding which protections apply to your situation and acting within the rules. We map your assets against the Insolvency, Restructuring and Dissolution Act, explain what is genuinely at risk, and help you avoid the well-meant mistakes — transfers, early withdrawals, informal arrangements — that can be unwound later and make things considerably worse.

What's included

• Asset-by-asset review against the current insolvency rules
• HDB flat and CPF position explained in plain English
• Insurance policy and nominee implications
• Guidance on transactions to avoid before filing
• Coordination with your trustee on asset vesting

Who this is for

• You own an HDB flat and are worried about losing it
• You have CPF savings, insurance or family assets to consider
• You want to understand your position before making any move