What happens to my child if something happens to me?

It's the question underneath all the others. The reassuring part: you can decide almost all of it in advance — who steps in, how they're cared for, how money reaches them. Leave it unplanned, and the courts and a fixed formula decide instead. Where to begin is different for every family, and it's the first thing we'd walk through together.

How much will my child need over their lifetime?

It's different for every family, and it's usually larger than parents expect. Seeing your own number — instead of a vague dread — is often the moment the worry settles into something you can act on. Our cost estimator gives you a first figure in two minutes; from there, we help you shape it into a plan.

How do I provide for my child without sacrificing my own future?

This is the fear that stops many parents before they start — and it's the part they're most relieved to solve. There are ways to create everything your child will need without touching the retirement you're counting on. The right one depends entirely on your finances, so rather than guess here, we work it through with you, one to one.

For Singapore parents · Special needs

A plan for whenyou're no longer here.

A quiet, step-by-step walk-through of the things every family caring for a child with special needs deserves to have in place — so the love and care you give today can keep going, for their whole life.

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A parent walking hand-in-hand with their child at golden hour

Today, and after.

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The questions that keep you up at night

A quiet inventory

Who will love them like I do?

The people who step in when you can't.

Will there be enough?

A lifetime of care, without draining your savings.

Who can I trust with the money?

Steady hands you choose yourself.

Will my wishes be followed?

Your voice, written down and protected.

A quiet question

“If something happened to us tomorrow — who would care for our child, and with what?”

You've been carrying this for a long time. This guide is how you finally put it down.

Inside the guide

Plan with greater
clarity.

A practical guide to the decisions Singapore families may need to make when planning for a child with special needs.

An open notebook with handwritten planning notes and a cup of tea

The Trust

The Special Needs Trust.

A clear comparison of the two Singapore options — the Special Needs Trust Company (SNTC) and a private trust — so you can choose what truly fits your family.

The Fund

Funding, without giving up your retirement.

The exact structures Singapore families use to provide for their child for life — without draining the savings you'll need for your own later years.

The Will

The Will & Letter of Intent.

A redacted sample showing how a completed Letter of Intent reads — plus a blank template you can fill in yourself, capturing your child's routines, care needs and the people who matter, so any future guardian knows exactly what to do.

A father we worked with

How one father turned seventeen years of worry into a plan that outlives him.

Mr Tan (55) has a son, Jun (17), who lives with autism. His question was never whether he'd provide for Jun — he always has, every single day. It was what happens on the day he can't.

An older father reading planning documents by a window, with a cup of tea on a wooden desk

“He secured $1.5 million for his son's lifetime — and kept the rest of his cash free for his own retirement.”

The $1.5M reality

Therapy, a carer, daily living — across Jun's lifetime, the number came to about $1.5 million. Seeing it in black and white was the turning point: the moment a formless worry became a plan with a shape.

One structure, three parts

A special needs trust to hold and release money on his instructions. A will that directs everything into it. A life policy that fills the trust with the full $1.5 million at exactly the moment it's needed. No piece works alone; together, they're a framework that runs without him.

Certainty, in writing

Jun's care no longer depends on anyone remembering, deciding, or coping. It's structured, funded, and written down. Mr Tan's retirement stays untouched — and the question that used to wake him at 3am finally has an answer.

Illustrative example

A family we worked with

How one family made sure both their children would be okay — the son who needs care, and the daughter who loves him.

Paul (50) and Cindy (46) have a son, Marcus (13), who lives with autism, and a daughter, Rachel (16). Caring for Marcus today was never the worry — they've done it every day of his life. The real question was quieter: when they're gone, who looks after him… without it falling on his sister?

Paul and Cindy at home on a weekend, sitting together in warm afternoon light

“We didn't just want him provided for. We wanted her free to be his sister — not his carer.”

Their son is looked after, for life

Whatever Marcus needs — a home, a carer, daily living — is paid for, every month, for the rest of his life. Not a lump sum someone has to manage, but a steady income that simply arrives, on his parents' instructions, whether they're here or not.

Their daughter is free to just love him

The same plan looks after Rachel too. So she'll never have to choose between her own life and her brother's care, and never carry a cost she didn't ask for. She gets to be his sister — nothing heavier.

It works even when they're not there

A trust holds it, a will directs it, and a life policy funds it — about $3 million, created the moment it's needed. Most parents are surprised: they didn't have $3 million; the plan does that part. Nothing depends on anyone remembering, coping, or getting along. It's written down, and it holds.

Illustrative example

Testimonials

Words from families we've walked with.

Shared with permission. Names and identifying details changed to protect their privacy.

For years I lay awake wondering who would care for my boy when I'm gone. Putting the plan in place didn't take the love away — it took the fear away. Now a substantial part of his future is secure, and I can spend my energy simply being his mother.

Mother of a son with global developmental delay

I was suspicious at first — I didn't know them, and it felt like just another financial thing. But it turned out to be about how you leave things, not only how much. We set up the trust, and made sure our son would never carry his sister as a burden. It lifted a weight we'd carried for years.

Parents of a son with autism

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