The Handover
Making sure what you have built reaches the people you intend, without a decade of paperwork. Nominations, documentation and the conversations most families never have.
What this actually does for you
The concrete benefits, without the sales language.
Nomination and inheritance are not the same thing
A nominee receives the asset to hold; who is legally entitled to it can be a separate question. Getting this wrong causes long disputes.
Unclaimed assets are a large and avoidable problem
Substantial sums sit unclaimed across banks, insurers and mutual funds because families did not know they existed.
A single list saves months
One document listing every account, policy and investment, kept where family can find it, is the highest-value item in this entire service.
It removes decisions from a grieving family
The arrangements are made once, calmly, rather than under pressure.
Honestly, who should and shouldn’t
Most sites only show you the left column. The right one matters just as much.
This is for you if
- You hold assets across several institutions
- Your nominations were set years ago and have not been reviewed
- Your family does not know what you hold or where
- You have specific intentions about who receives what
- You have dependants who would struggle to navigate the process
This isn’t for you if
- You need a will drafted or contested — that requires a lawyer, not a distributor
- There is an existing family dispute over assets; that is a legal matter
- You want tax advice on inheritance, which needs a chartered accountant
- You want us to act as executor or trustee, which we do not do
When this matters most
The same band appears on every product page, so you can compare three products at a glance.
Starting Out
Usually limited to setting nominations correctly from the start.
Building
Worth doing once dependants exist. Nominations and a document list.
Consolidating
The natural stage for a proper review of nominations and records.
Second Innings
The core stage. Consolidation, clear records and family conversations.
5 steps
What actually happens, in order.
Inventory everything
Every account, policy, investment, property and locker.
Check every nomination
Many are decades old, incomplete, or name someone no longer intended.
Consolidate where sensible
Fewer institutions means a materially simpler process later.
Document and store
One list, kept somewhere the family can actually find it.
Refer out where needed
Wills and trusts go to a lawyer. We coordinate rather than pretend to draft them.
Read this before you commit
The things a sales conversation tends to skip.
We are not lawyers and do not draft wills
Succession law is a legal matter. We help with nominations, records and coordination, and refer the legal work to a qualified professional.
A nominee is not automatically the owner
Depending on the asset and applicable law, a nominee may hold the asset on behalf of the legal heirs. This distinction causes a great deal of litigation.
Nominations left unreviewed cause disputes
A policy still naming a parent or a former spouse decades later is common and entirely avoidable.
Joint holding is not a substitute for planning
It helps with access; it does not necessarily determine entitlement.
Records nobody can find help nobody
The list must exist somewhere accessible, and at least one person must know it exists.
Common questions
Do you draft wills?
No. That is legal work and belongs with a qualified lawyer. We handle nominations, documentation and coordination, and can refer you.
Is a nomination enough?
Not always. Depending on the asset, a nominee may receive the asset as a trustee for the legal heirs rather than as the owner. A will provides clarity that nomination alone may not.
How often should nominations be reviewed?
After any major life event — marriage, a birth, a death, a divorce — and otherwise every few years.
What about assets held jointly?
Joint holding usually eases access but does not by itself settle entitlement. It should be part of the plan rather than the whole of it.
Can you help my family after I am gone?
We can help them identify and claim the investments and policies we placed, and point them to the right process for the rest.
Ask about estate and succession planning
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