# hnwsolution.com.sg — HNW Solutions Singapore

> Singapore HNW solutions for international families and advisers: insurance, family office, private banking, wealth, trusts and residency, with checklists.

- Operator: 小坡险助手 / Xiaopoxian Advisory Desk
- Content lead: Stella 武晓旭 (Stella Wu Xiaoxu), Associate Director, Everest Group — a group of financial consultants representing Great Eastern Financial Advisers Private Limited
- Contact: WhatsApp +6580670032 · Email wuxiaoxu1020@gmail.com · WeChat sgwealth888
- Updated: 2026-10-23

## See the whole picture first
- [What is an HNW solution in Singapore? The six areas explained](/overview/): How international families use Singapore's six HNW solution areas — insurance, family office, private banking, wealth, trusts and residency — and their limits.
- [How an HNW solution comes together in Singapore: eight steps](/process/): Eight steps from family fact-finding to residency, structure, accounts, insurance, trusts and annual review, with documents, owners, timing and sticking points.
- [Six HNW solution areas in Singapore compared on ten dimensions](/compare/): Singapore's six HNW solution areas compared on purpose, regulator, legal thresholds, liquidity, costs, succession role, CRS reporting, risks and professionals.

## One page per area, one template for all six
- [Life insurance in an HNW plan in Singapore: what it does and does not do](/insurance/): What life insurance does in an HNW balance sheet (event-triggered liquidity) and how large policies, ownership, underwriting and PPF cover work in Singapore.
- [Single family offices in Singapore: the 2026 exemption and 13O/13U](/family-office/): A single family office manages one family's money only. How the 15 June 2026 class exemption works, what 13O/13U require from 1 August 2026, and the costs.
- [Private banking in Singapore: accredited investors, onboarding, credit](/private-banking/): What a Singapore private bank does, why most products need accredited investor opt-in, what source-of-wealth checks involve, and how credit adds risk.
- [Wealth management in Singapore: allocating by purpose, funds and cash](/wealth-management/): Wealth management starts by giving each pool of money a job: purpose-based allocation, authorised and restricted funds, deposit insurance and currency.
- [Trusts and succession in Singapore: wills, LPAs, nominations, trusts](/trust-succession/): Succession in Singapore runs on several tracks: wills, intestacy, LPAs, insurance and CPF nominations, probate, and trusts with a 100-year perpetuity period.
- [Residency and tax in Singapore: passes, tax residence and home rules](/residency-tax/): A pass lets you live in Singapore; tax residence decides where you are taxed and where CRS reports go. Passes, the 183-day test, CRS, FATCA and home rules.

## Who does what, and what to check before signing
- [Who does what in an HNW case: a professional-collaboration model](/professional-collaboration/): Who does what in an HNW case — family, lead adviser, lawyer, tax adviser, bank, insurer's representative, trustee, CSP — with a RACI table and licence checks.
- [HNW due-diligence checklists for Singapore: 60 questions, six areas](/due-diligence-checklists/): Sixty questions in six checklists — insurance, family office, private banking, wealth, trusts and residency — to settle before signing, with where to check.
- [Preparing one source-of-wealth file for Singapore institutions](/source-of-wealth/): Singapore banks, insurers and trustees establish source of wealth for higher-risk clients, private banks for all. What they ask for and how to keep one file.
- [Premium financing and Lombard loans: mechanics and stress tests](/financing-and-leverage/): Premium financing borrows to pay a policy's premium; Lombard credit borrows against a portfolio. How each works, what lenders can demand, how to stress-test.

## Scenarios, FAQ, glossary and sources
- [Who uses which solution: five anonymised scenarios for international families](/scenarios/): Five hypothetical families: a founder after a sale, a UK-linked executive, a US-connected family, a multi-generation family and a cross-border heir.
- [HNW solutions in Singapore: frequently asked questions (30+)](/faq/): Answers to common questions on Singapore HNW solutions: insurance, family offices, private banks, trusts, residency, tax, CRS and checking professionals.
- [HNW solutions glossary: 65 terms in English and Chinese](/glossary/): 65 Singapore HNW planning terms in English and Chinese, from accredited investor and 13O to RORC, LPA, trust nomination, CRS and Lombard loan.
- [Sources and references](/sources/): The official documents this site relies on — MAS, IRAS, ACRA, MOM, EDB, the Judiciary, SDIC, LIA, MoneySense, IRS, HMRC and Hong Kong's IA — dated and linked.

## 中文摘要版
- [新加坡高净值方案六大板块：十个维度同口径对比](/zh/compare/): 从用途、监管机构、法定门槛、流动性、成本、传承作用、CRS 报送、风险与所需专业方十个维度，对比新加坡高净值方案的六大板块。
- [新加坡高净值尽职调查清单：六大板块共 60 问](/zh/due-diligence-checklists/): 保险、家族办公室、私人银行、财富管理、信托与传承、身份与税务六份清单共 60 个问题，签署前逐项厘清，并注明每个问题可到哪里核实。
- [新加坡单一家族办公室：2026 年类别豁免与 13O/13U](/zh/family-office/): 单一家族办公室只管理一个家族的资金。本页说明 2026 年 6 月 15 日起的类别豁免如何运作、2026 年 8 月 1 日起 13O/13U 的要求，以及相关成本。
- [新加坡高净值方案常见问题（英文站中文摘要）](/zh/faq/): hnwsolution.com.sg 英文站中文常见问题摘要：方案搭建顺序、非居民开户与投保、保单提名与 PPF 保障、保费融资风险、认可投资者门槛、存款保险、2026 年单一家办新框架、遗嘱与遗产认证、税务居民、CRS 申报与如何核验持牌机构。
- [保费融资与证券质押贷款（Lombard）：运作机制与压力测试](/zh/financing-and-leverage/): 保费融资是借钱缴付保单保费，Lombard 信贷是以投资组合为抵押借款。两者如何运作、贷款方可以提出哪些要求，以及如何做压力测试。
- [高净值方案术语表：65 个中英对照术语](/zh/glossary/): 65 个新加坡高净值规划中英对照术语，从认可投资者、13O 到可登记控制人名册（RORC）、持久授权书（LPA）、信托提名、CRS 与证券质押贷款。
- [新加坡高净值方案中的寿险：能做什么，不能做什么](/zh/insurance/): 寿险在高净值资产负债表中的作用（由事件触发的流动性），以及新加坡大额保单、保单持有结构、核保与保单持有人保障基金（PPF）如何运作。
- [新加坡高净值方案（英文站中文摘要）：六大板块、尽调清单与专业方协作](/zh/): hnwsolution.com.sg 英文站中文摘要：新加坡高净值方案六大板块——保险、家族办公室、私人银行、财富管理、信托传承、身份与税务——各自的定义、监管机构与关键数字，搭建顺序，新加坡能提供与不能提供的结果，以及尽调清单与专业方协作模型。
- [新加坡私人银行：认可投资者、开户与信贷](/zh/private-banking/): 新加坡私人银行做什么，为什么多数产品需要选择成为认可投资者，财富来源审查包括哪些内容，以及信贷如何增加风险。
- [新加坡高净值方案如何搭建：八个步骤](/zh/process/): 从梳理家庭事实，到身份与税务居民、持有结构、开户、保险、信托与年度复核的八个步骤，逐步说明所需文件、谁来牵头、时间与常见卡点。
- [高净值案件中谁做什么：专业方协作模型](/zh/professional-collaboration/): 高净值案件中家庭、牵头顾问、律师、税务顾问、银行、保险公司代表、受托人与企业服务提供商（CSP）各自做什么，附 RACI 分工表与牌照核验方法。
- [新加坡身份与税务：准证、税务居民身份与母国规则](/zh/residency-tax/): 准证让您可以在新加坡居住；税务居民身份决定您在哪里纳税、CRS 报送到哪里。本页讲准证、183 天测试、CRS、FATCA 与母国规则。
- [谁适合用哪种方案：五个国际家庭匿名场景](/zh/scenarios/): 五个假设家庭：出售企业后的创始人、有英国关联的高管、有美国关联的家庭、多代家族，以及处理跨境遗产的继承人。
- [为新加坡各家机构准备一份财富来源档案](/zh/source-of-wealth/): 新加坡银行、保险公司与受托人须对高风险客户确立财富来源，私人银行则对所有客户确立。它们会要求哪些资料，以及如何只维护一份档案。
- [资料来源与参考文献](/zh/sources/): 本站所依据的官方文件——MAS、IRAS、ACRA、MOM、EDB、新加坡司法机构、SDIC、LIA、MoneySense、美国 IRS、英国 HMRC 与香港保监局——均注明日期并附链接。
- [新加坡信托与传承：遗嘱、持久授权书、受益人提名与信托](/zh/trust-succession/): 新加坡的传承在多条轨道上运行：遗嘱、无遗嘱继承、持久授权书、保险与公积金提名、遗产认证，以及永续期最长 100 年的信托。
- [新加坡财富管理：按用途配置、基金与现金](/zh/wealth-management/): 财富管理从给每一笔钱一个任务开始：按用途配置、获授权基金与受限计划、存款保险，以及币种安排。

## About and disclosures
- [About](/about/)
- [Contact](/contact/)
- [Disclosures](/disclosures/)
- [Network](/network/): Directory of the 26-site Xiaopoxian network

## Network
- [iul.sg](https://iul.sg/): iul.sg — Singapore IUL comparison platform
- [iul.com.sg](https://iul.com.sg/): IUL Academy — how indexed universal life works
- [vul.sg](https://vul.sg/): vul.sg — Variable Universal Life in Singapore
- [vul.com.sg](https://vul.com.sg/): VUL Singapore — the variable universal life guide
- [vul.hk](https://vul.hk/): vul.hk — VUL in Hong Kong vs Singapore
- [term.com.sg](https://term.com.sg/): Term Life Insurance in Singapore
- [term.hk](https://term.hk/): term.hk — Term life in Hong Kong vs Singapore
- [wholelife.com.sg](https://wholelife.com.sg/): Whole Life Insurance in Singapore
- [wholelife.hk](https://wholelife.hk/): wholelife.hk — Whole life in Hong Kong vs Singapore
- [ppli.com.sg](https://ppli.com.sg/): Private Placement Life Insurance (PPLI) Singapore
- [ilp.com.sg](https://ilp.com.sg/): Investment-linked Policies (ILP) in Singapore
- [saving.sg](https://saving.sg/): saving.sg — Savings insurance in Singapore
- [saving.com.sg](https://saving.com.sg/): Savings Plans Singapore
- [savings.sg](https://savings.sg/): savings.sg — Saving and cash management in Singapore
- [xiaopoxian.sg](https://xiaopoxian.sg/): Xiaopoxian — Singapore insurance & wealth knowledge network
- [xiaopoxian.com.sg](https://xiaopoxian.com.sg/): Xiaopoxian Encyclopaedia — Singapore insurance explained
- [vccfund.sg](https://vccfund.sg/): vccfund.sg — Singapore Variable Capital Company guide
- [vccfund.com.sg](https://vccfund.com.sg/): VCC Fund Singapore
- [hnw.sg](https://hnw.sg/): hnw.sg — HNW wealth planning in Singapore
- [hnwi.sg](https://hnwi.sg/): hnwi.sg — The HNWI landing handbook for Singapore
- [hnwsolution.sg](https://hnwsolution.sg/): hnwsolution.sg — HNW solutions: insurance, family office, private banking, wealth
- [privatebank.hk](https://privatebank.hk/): privatebank.hk — Private banking guide, Hong Kong × Singapore
- [bankaccount.sg](https://bankaccount.sg/): bankaccount.sg — Opening a bank account in Singapore
- [bankaccount.com.sg](https://bankaccount.com.sg/): Singapore Bank Account Guide
- [bankaccount.hk](https://bankaccount.hk/): bankaccount.hk — Hong Kong bank accounts and the HK × SG comparison

## Data and boundaries
- Every page cites sources and dates; nothing is inferred where sources are silent; guaranteed and non-guaranteed items are labelled separately; illustrations and past performance do not indicate future results.
- This site is operated by the Xiaopoxian content team to provide general education, comparison and reference material, and to register enquiries. It is not an insurer, bank, licensed financial adviser or insurance broker; its content has not been reviewed, approved or endorsed by the Monetary Authority of Singapore (MAS). Personalised advice, official quotations, account opening and application services are provided by the actual licensed or exempt institutions and their appointed representatives.