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A will states how your assets are distributed after death, but it goes through probate and you can only have one. A trust lets you set aside assets for loved ones, works during your lifetime, and avoids the long probate process. Without a will, assets follow the Distribution Act, often delaying and complicating matters for your family.

LIMA is our in-house method to simplify insurance planning for clients. Since many people find insurance complicated, LIMA breaks it down into four essential protections: Life, Illness, Medical, and Accident. It guides first-time policyholders to start with the right coverage — either by allocating 10% of their monthly income or with a basic sum assured — ensuring financial security against unexpected events.

Budgeting your salary means dividing income wisely: 20% savings, 10% insurance, 10% investment, and 60% for expenses and commitments. Save first, protect with insurance, grow through investments, and control spending. Starting early builds long-term financial security.

Managing debt can feel overwhelming, but with the right plan, you can take control of your finances and work toward freedom. These six clear steps provide a simple roadmap to lower debt, build better money habits, and reduce financial stress.