You know you should have done this by now
Your will is outdated — or doesn’t exist. You’ve been meaning to sort it for years, but life keeps getting in the way.
Private Estate & Protection Planning Singapore
Most estate plans don’t fail during divorce.
They fail years later when it actually matters.
What no one tells you about your estate plan:
Your ex spouse has a claim on assets you assumed were protected
What is meant for your children gets stuck or worse, mishandled
If you lose capacity tomorrow, the wrong person controls your finances and your care
Your estate takes years to settle. Your family pays the cost of what was never written down clearly
These are not worst case scenarios. They are the default outcome when nothing is structured.
Your Assets May Be Exposed.
And You Wouldn’t Know Until It’s Too Late.
The cost of waiting is always higher
Your family situation isn’t simple
Divorce, remarriage, blended families, overseas assets. You need a plan built for real complexity — not a template.
What happens if you lose capacity?
If you can’t make decisions, who steps in? Without proper structures, finances and family are left exposed.
You want to protect — not just distribute
This isn’t about splitting assets. It’s about ring-fencing wealth from outsiders and premature inheritance.
Experienced Guidance Through Life’s Most Important Decisions
Carol Chin is the Principal Consultant at The Olivet Circle, specialising in estate and succession planning for women and families navigating complex life transitions.
A Chartered Financial Consultant (ChFC), Carol works with individuals and business owners to structure wills, trusts, and succession plans that protect families, preserve intent, and hold up through change. Her work is grounded in clarity, discretion, and sound judgment particularly in situations involving divorce, blended families, or long-term family planning.
In addition to her technical expertise, Carol is a Certified Practitioner of Neuro-Linguistic Programming (NLP). This equips her to guide clients through sensitive conversations with calm and precision, helping them make important financial decisions without overwhelm or uncertainty.
With over a decade of experience in financial planning informed by personal exposure to family transitions Carol is a strong advocate for protecting families during vulnerable seasons. Whether supporting women through post-divorce financial restructuring or advising families on succession and legacy planning, her focus remains the same: creating stability, safeguarding children, and ensuring decisions are carried out as intended.
Her guiding principle is simple:
Financial clarity that protects families today and secures their legacy for generations to come.
How We Help You Put Everything in Order
Clear structured estate and protection planning for families navigating change.
Will and Estate Structuring
Ensure your wishes are clearly documented and carried out exactly as intended without ambiguity delay or dispute.
Trust Planning and Asset Protection
Structure trusts to protect assets control timing and safeguard beneficiaries through life changes.
Lasting Power of Attorney
Appoint trusted decision makers to act responsibly on your behalf if you lose capacity.
Estate Planning for Divorce and Family Transitions
Protect children ring fence assets and restructure finances after divorce or major life changes.
Business and Succession Planning
Create continuity plans that protect family businesses and ensure smooth generational transitions.
Financial Clarity Review
Identify gaps and risks then leave with a clear prioritised roadmap forward.
Private Wealth and Family Office Advisory
Discreet coordinated planning for families with complex assets seeking long term structure and oversight.
Frequently Asked Questions
Do I really need estate planning if I already have a will
Many people do. A will alone often does not account for incapacity divorce remarriage or how assets are actually distributed in practice. Estate planning looks at the full picture so your intentions hold up over time not just on paper.
Is this only relevant later in life
No. Many of the most costly mistakes happen when planning is delayed. Proper estate planning is about protection and clarity at any stage especially during transitions such as divorce business succession or becoming a parent.
How do I know if this is right for me
If you are carrying uncertainty about what happens to your family assets or decisions this is worth exploring. Most clients come in seeking clarity and leave with confidence.