Margaret's husband had nominated her correctly for his CPF, so that came through. But three insurance policies had lapsed because nobody knew they existed, and the premiums had been quietly failing for two years. A joint investment account had no survivorship instruction attached. Her own policies had not been reviewed in a decade and were no longer sized correctly for someone living alone.
What we didWe started with a full document inventory, going through every policy, every account, every nomination. We prioritised what needed immediate attention and worked through the rest over a few sessions. We made sure her own LPA was in place, and helped her understand exactly what she had, what it did, and what she could safely rely on.
Where she is nowMargaret now has a clear picture of her finances for the first time. She attends every review herself. She recently told us she wishes she had done this twenty years ago, not because anything would have been different, but because she would have worried less.
Understanding what you have is not a financial skill. It is a peace of mind that everyone deserves.
Your situation
If any of this sounds familiar, a conversation about getting your documents in order is a gentle place to start.
Worth a conversation