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
Wealth Strategist | Will & Trust Specialist | Passive Income Architect
The True Meaning of Wealth:
For the first half of life, you work for money. For the second half, your money should work for you.
After 30 years in the financial trenches, I’ve realized that most people’s goals boil down to two simple things:
“LIVING WELL NOW” – Having a steady, monthly cash flow that doesn’t depend on market luck or a paycheck, so retirement doesn’t mean “downgrading.”
“NO DRAMA LATER” – Knowing that if you aren’t around to manage things, the money stays safe, the instructions stay clear, and the family stays united.
True wealth management is about building a reliable income engine today and putting a bulletproof shield around it for tomorrow.
TURNING ASSETS INTO “LIFE SUPPORT”: THE 3 PILLARS
BUILDING YOUR PASSIVE INCOME ENGINE: Real retirement isn’t about a lump sum in the bank; it’s about Cash Flow. I help you “wake up” idle assets and restructure them so that no matter how the economy fluctuates, you have a consistent “monthly salary” hitting your account. That is the definition of true financial peace.
ENSURING MONEY “BEHAVES” AND STAYS PUT: Earning wealth is a skill; keeping it is a strategy. Through Wills and Trusts, we write the “Owner’s Manual” for your money. Whether it’s providing for a spouse or ensuring children receive their inheritance in stages, we make sure every dollar follows your command—not a stranger’s or a court’s.
THE WEALTH FIREWALL: Many business owners have their personal lives and business risks tangled together. We create Risk Isolation. Even if the business faces a storm, your family’s lifestyle remains “all-weather” and untouched.
While YOU are still in the driver’s seat – HOLDING THE STEERING WHEEL, let’s streamline your income for today and pave the road for tomorrow. Life can be spontaneous, but your wealth should be organized.
Click HERE to schedule Peace-of-Mind Conversation with me today!
财富策略师 | 遗嘱与信托专家 | 被动收入架构师
财富的终极意义：前半辈子人赚钱，后半辈子钱养人。
从事金融行业三十年，我发现大家最真实的愿望其实很简单：
一个是**“现在有钱花”——不管行情好不好，每个月都有现金进账，退休生活不降档。
一个是“以后不麻烦”**——万一自己管不动了或者不在了，钱能听话，家不闹腾。
说白了，财富管理就两件事：设计一套源源不断的收入，再给这套收入装一个保护罩。
让资产“活”起来：这三件事是重头戏
打造“被动收入引擎”： 真正的退休不是看存款有多少，而是看现金流有多少。我们会把那些“睡着”的资产叫醒，重新架构，确保无论市场怎么波动，你每个月都有雷打不动的“工资”入账。这叫财务自由的底气。
确保“钱听话，不乱跑”： 赚到钱是本事，留住钱是水平。通过遗嘱和信托，给财富写好“说明书”。不管是想照顾老伴，还是想让孩子细水长流地花钱，都要确保每一分钱都按你的指令走，而不是被外人卷走或被官司耗掉。
给财富装上“防火墙”： 很多老板生意做得大，但家里的钱和公司的账搅在一起。我们要做的就是风险隔离。哪怕外头风大浪大，家里的小日子依然能旱涝保收。
结语：与其为钱奔波，不如让钱为你服务。
所谓的财富规划，其实就是把**“不确定”变成“确定”**。
趁现在看得清、做得了主，把当下的收入流理顺，把未来的传承路铺好。生活可以随性，但财富必须有序。
