Basic Steps In Estate Planning

• Establishing Estate Planning Objectives
  Proper estate planning objectives are set. These objectives must be relevant to the needs and interest of the estate owner.
• Gathering of Relevant Data
  Information on wealth available must be collected in order to generate a proper estate plan.
• Analysis of Data
  The collected data must be analyzed to determine the financial situation of the client. Relate the outcome of the analysis to the estate planning objectives. Prioritize the objectives according to present situation and available wealth.
• Recommendation of Estate Plan
  A set of recommendations must be developed to help achieve the objectives. Once the most suitable and agreeable idea has been selected by the client, methods of wealth accumulation will be explored to help implement the estate plan.
• Implementation of Plan
  The client will be advised on the most appropriate estate planning tools to be used when taking action. The client must be further motivated in going ahead with the plan.
• Monitoring of Plan
  The estate plan must be constantly reviewed. Comparisons must be made from time to time between the plan objectives and the original estate planning objectives. This is vital in ensuring that the estate planning goals are achieved as planned.

Introduction to Islamic Estate Planning

• Wasiat
  Wasiat or Islamic will writing is very similar to conventional will writing. The main objectives of having a Wasiat is to reduce the probate time and making distribution more effective whereby heirs of estate will have to respect the instructions laid out in the Wasiat.
• Hibah
  Another popular Islamic estate planning tool is Hibah, it can be done during the lifetime of the donor with certain conditions addressed in the Hibah or by giving away perpetually. There are two concepts called Umra or Ruqba, the asset is only to be transferred when the donor iss deceased, while in Ruqba either ways applies.
• Wakaf
  It is an irrevocable dedication/gift made expressively in charity for purpose of acquiring merit in the eyes of Allah. There are two types of Wakaf (sighah), direct wakaf and conditional wakaf. Under conditional wakaf, certain requirements have to be met before the gift can be delivered.
• Islamic trust
  Islamic trust takes effect immediately upon execution of trust deed and will not be subjected to Faraid upon death. Also known as living trust, it is the creditor’s proof and the beneficia-ries rights to be protected and secured.
• Harta Sepencarian
  This planning refers to a married Muslim couple whereby during their lifetime both parties have contributed either directly or indirectly towards the acquisition of such property. The form of contribution can be define as either directly in terms of monetary and indirectly by providing family support such as love, care, welfare for the home, etc.

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