A Letter of Wishes is a personal, non-binding document that explains your intentions, values and preferences to the people who may need to make decisions for you or after you. It can sit alongside documents such as an LPA, Will, CPF nomination and estate plan.

It is generally guidance rather than a legally binding instruction. It should not contradict your registered LPA, Will, trust documents or other legal arrangements. For binding legal instructions, speak with a qualified lawyer.

An LPA appoints Donee or Donees and sets out powers and restrictions. A Letter of Wishes can help explain the personal reasons, routines, care preferences, family context and practical guidance behind those decisions.

Avoid passwords, PINs, bank account numbers, seed phrases, private keys, login details or instructions that conflict with legal documents. Record where important documents are kept, not confidential access credentials.

Review it after major life events, changes in family circumstances, changes in Donees, significant asset changes, serious illness, or at least every few years so that it continues to reflect your current wishes.