辛苦赚来的血汗钱，为何没人认领？这样的事会不会发生在你身上？该怎么避免？
主要不被认领原因有种种：
1）受益人不知道你有这项资产（没到各银行去询问户口, 不活跃户口存在egumis 政府部门， 数字货币账号没人知道，海外股票户口，e-wallet 如 Touch N Go，GrabPay， Shopee wallet, PayPal, Wise Account, Boost, BigPay, 保险，产业买了没人知，等等）
2）遗嘱出现问题，受益人纠纷没结束，大家都领不到（遗嘱规划须找有经验规划师，避免家人因为规划不周全问题而关系分裂，反目成仇）
遗嘱规划，很多人以为随便写一份就好了。可是往往不知道，因为你不知道“各种决定的后果” 而草率写的遗嘱，给下一代造成了多大的痛苦和不便。认真考虑规划后的各种可能性，才能有意义的保障您的后代和受益人，也让你这份遗嘱更有意义的留爱不留祸。
有心的规划，留爱。
无心的规划，留祸 。
留祸，不如不留。草率规划，不如不写。
Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs.
Published By:
Samantha Lim 林淑燕
With over 20 years of experience in the financial industry, I am dedicated to helping busy individuals and businesses navigate the complexities of wealth management.
My approach is centered around understanding your unique goals and values, ensuring that your financial journey is both fulfilling and aligned with your aspirations.
I believe that your wealth should be:
- PROTECTED PRUDENTLY against unnecessary risks, giving you the confidence to pursue your dreams.
- SUSTAINABLY GROWN over the long term, so you can enjoy the benefits of your investments for years to come.
- STRATEGICALLY OPTIMIZED for maximum returns, ensuring that your financial resources are working as hard as you do.
- WISELY DISTRIBUTED with future generations and meaningful causes, allowing you to create a legacy that reflects your principles.
- Designed to create a PASSIVE INCOME STREAM, so you can stop working for your money and enjoy the freedom that comes with financial independence.
- Built to establish a financial SAFETY NET for you and your loved ones, providing peace of mind in uncertain times.
I pride myself on my client-centric approach—there are no pushy tactics here. My goal is to empower you with the knowledge and tools you need to make informed financial decisions.
Together, we can create a comprehensive plan that not only protects your wealth but also paves the way for a brighter financial future. Let’s embark on this journey together!
财富增长，传承永续
拥有超过20年的金融行业经验，我专注于帮助繁忙的个人和企业高效管理财富，应对复杂的财务挑战。
我的方法以理解您的独特目标和价值观为核心，确保您的财务之旅既充实又符合您的愿景。
我相信，您的财富应当：
🔹 谨慎保护 —— 远离不必要的风险，让您无忧追梦；
🔹 持续增长 —— 以长远视角稳健投资，让财富惠及未来；
🔹 战略优化 —— 提高回报率，确保您的资金发挥最大效用；
🔹 智慧传承 —— 留给后代或回馈社会，打造符合您价值观的财富传承；
🔹 打造被动收入 —— 让财富为您工作，实现财务自由；
🔹 建立安全保障 —— 为您和家人构筑坚实的经济后盾，安享未来。
我始终坚持以客户为中心，杜绝任何推销手段，真正为您提供专业建议和实用工具，帮助您做出明智的财务决策。
让我们携手制定一份全面的财富规划，不仅守护您的资产，更为您开启光明的财务未来。期待与您同行，共创财富传奇！
