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Estate & Legacy Planning
Secure Your Legacy.
Across Generations,
Across Borders.
Comprehensive, institutional-grade estate planning — from Wills and Trusts to cross-border succession structures — for Indian residents, NRIs, HNIs, family businesses, and every family that cares about what they leave behind.
70+
Services Offered
5
Tailored Suites
12+
Jurisdictions Covered
100%
Compliance Driven
Who It's For
Designed for Every Family's Needs
Whether you're a retired officer looking for a simple Will or a business family structuring multi-generational succession, there's a suite crafted for you.
🎖️
Retired Defence Officers
Specialised privileged Will provisions and defence-concession pricing with institutional quality.
→ TESTAMENT Suite
👨💼
Salaried Professionals
Comprehensive Will, nominee alignment, and retirement succession planning for growing families.
→ HERITAGE Suite
🌏
Non-Resident Indians
Cross-border estate planning, FEMA compliance, multi-jurisdiction Wills, and trust structuring.
→ COVENANT Suite
🏢
Entrepreneurs & CXOs
Business succession, family governance, share transfer planning, and trust-based wealth transfer.
→ DYNASTY Suite
👑
HNI & UHNI Families
Multi-generational architecture, global structuring, family office setup, and philanthropic legacy design.
→ PERPETUITY Suite
Comprehensive Services
Seven Domains of Estate Excellence
From foundational Wills to complex cross-border trusts and philanthropic legacy design — every facet of estate planning, covered with institutional rigour.
Simple Will
Single-jurisdiction Will covering distribution to named beneficiaries with standard clauses for residuary estate, guardianship, and executor appointment.
Will Draft
Executor Guidance
Legal Review
Comprehensive Will
Multi-asset, multi-beneficiary Will with conditional bequests, specific legacies, life interests, contingent beneficiaries, and detailed asset schedules.
Asset Schedule
Will Draft
Beneficiary Matrix
Legal Review
Mutual / Mirror Wills
Coordinated Wills for couples ensuring complementary distribution with survivorship clauses and common disaster provisions.
Paired Will Drafts
Survivorship Clauses
Privileged Will (Armed Forces)
Specialised drafting under Sections 65-67 of the Indian Succession Act for defence personnel, with deployment scenario provisions.
Privileged Will Draft
Defence-Specific Clauses
Digital Asset Annexure
Comprehensive schedule covering crypto holdings, digital wallets, social media, domain names, cloud storage, and digital subscriptions.
Digital Inventory
Access Protocol
Will Annexure
Islamic Will (Wasiyyah)
Shariah-compliant Will drafting within the one-third limitation, Faraid distribution principles, and Waqf provisions.
Wasiyyah Draft
Faraid Schedule
Shariah Compliance
Codicil & Will Updation
Amendment documents and periodic reviews for existing Wills — covering changed circumstances, new assets, or legislative amendments.
Codicil Draft
Review Report
Will Registration
End-to-end facilitation at Sub-Registrar offices including witness coordination, stamp duty computation, and filing.
Registration Filing
Stamp Duty Computation
Certified Copy
Testamentary Trust Will
Will incorporating trust provisions for staggered distribution, minor beneficiaries, special needs, or spendthrift protections.
Trust-Embedded Will
Distribution Schedule
Trustee Guidelines
Private Family Trust (Revocable)
Living trusts under the Indian Trusts Act, 1882 with settlor-retained control, flexible asset scheduling, and beneficiary designation.
Trust DeedAsset ScheduleTrustee Advisory
Private Family Trust (Irrevocable)
Permanent trust structures for asset protection, tax planning, and succession with protector provisions and detailed governance.
Irrevocable DeedProtector ProtocolTax Analysis
Discretionary Trust
Trusts with trustee discretion on distribution quantum and timing, commonly used for family wealth preservation across generations.
Discretionary DeedDistribution Framework
Business Succession Trust
Specialised structures for transferring business interests including share transfer mechanisms and management succession protocols.
Business Trust DeedShare Transfer PlanGovernance Framework
Charitable / Public Trust
Formation under Bombay Public Trusts Act or equivalent state legislation with 80G/12A registration advisory for philanthropic objectives.
Public Trust Deed80G/12A Advisory
Special Needs Trust
Trust designed for beneficiaries with disabilities ensuring government benefit preservation and long-term care provisions under RPWD Act, 2016.
Special Needs DeedCare ProtocolBenefit Mapping
NRI Trust Structuring
Cross-border trust formation with FEMA compliance, DTAA applicability, FATCA/CRS reporting, and multi-jurisdiction trustee arrangements.
Cross-Border DeedFEMA ComplianceReporting Framework
Trust Review & Administration
Audit and restructuring of existing trust deeds, plus ongoing guidance on fiduciary obligations, record-keeping, and compliance.
Trust Audit ReportCompliance CalendarAnnual Advisory
Family Business Succession
Comprehensive plan covering leadership transition, ownership transfer, buy-in/buy-out structures, family governance, and conflict resolution.
Succession BlueprintGovernance CharterTransition Timeline
Professional Management Transition
Advisory on transitioning from family management to professional leadership including board constitution and family office setup.
Transition PlanBoard Framework
Share Transfer & Corporate Succession
Advisory on private company share transfers including stamp duty optimisation, shareholder agreements, and drag-along/tag-along provisions.
Transfer RoadmapSHA ReviewStamp Duty Analysis
Family Constitution / Charter
Governance documents establishing decision-making protocols, family council structure, employment policies, and conflict resolution procedures.
Family ConstitutionCouncil ProtocolsGovernance Manual
Partnership & LLP Succession
Succession planning for partnership firms and LLPs including deed amendments, profit-sharing restructuring, and partner transitions.
Amended DeedTransition Plan
Agricultural Land Succession
Specialised advisory considering state-specific tenancy laws, ceiling acts, and revenue records mutation procedures.
Land MappingMutation Roadmap
Intellectual Property Succession
Planning for transfer of patents, trademarks, copyrights, trade secrets, and other intangible assets.
IP InventoryTransfer ProtocolValuation Guidance
Multi-Jurisdiction Will Planning
Coordinated Will strategies across India, USA, UK, UAE, Singapore, Canada, Australia and other jurisdictions to avoid probate conflicts.
Jurisdiction MapCoordinated WillsConflict Analysis
FEMA Compliance Advisory
Assessment of foreign exchange regulations impacting estate planning, LRS limits, NRO/NRE succession, and FEMA-compliant restructuring.
FEMA Audit ReportCompliance Roadmap
US Estate & Gift Tax Planning
Advisory for US-connected persons on federal estate tax exposure, marital deduction strategies, and QDOT structures.
US Tax AnalysisMitigation StrategyQDOT Advisory
UK Inheritance Tax Planning
Advisory on UK domicile status, IHT exposure, potentially exempt transfers, and trust-based mitigation strategies.
Domicile AssessmentIHT AnalysisPET Strategy
UAE & GCC Estate Planning
Succession planning under UAE personal status laws, DIFC Wills Service Centre registration, and Sharia-compliant structuring.
DIFC WillUAE Structure Plan
DTAA Analysis & Tax Treaty
Jurisdiction-specific analysis of Double Taxation Avoidance Agreements for inheritance and gift tax implications across countries.
DTAA MatrixTreaty Strategy
Foreign Trust Reporting
Advisory on FATCA, CRS, foreign trust disclosure obligations under Indian IT Act, and overseas reporting requirements.
Reporting ChecklistFATCA/CRS Framework
Immigration-Linked Planning
Coordinated planning for families undergoing immigration transitions (OCI to PR to citizenship) with evolving tax exposures.
Transition PlanTax Exposure Map
Repatriation & Asset Localisation
Cross-border asset consolidation, repatriation planning, and localisation strategies for tax efficiency and regulatory compliance.
Repatriation RoadmapTax Efficiency Plan
Estate Tax Impact Analysis
Comprehensive modelling of current and potential estate/inheritance tax exposure across all applicable jurisdictions.
Tax Impact ReportScenario Modelling
Gift Tax Planning
Strategic gifting plans under Section 56(2)(x) of the IT Act, utilising exempt categories with gift deed drafting and valuation protocols.
Gift StrategyGift Deed DraftsValuation Report
Capital Gains Optimisation
Pre-mortem and post-mortem capital gains tax optimisation for real estate, securities, and business interests.
CG AnalysisOptimisation Plan
Insurance Integration
Integration of life insurance into estate plans for liquidity provisioning, estate equalisation, and tax-efficient transfers.
Insurance MappingIntegration Plan
Nominee vs. Legal Heir Audit
Comprehensive audit across bank accounts, demat, insurance, mutual funds, and FDs — reconciling nominations with Will provisions.
Nomination AuditRectification ReportAction Checklist
Stamp Duty Optimisation
State-wise analysis of stamp duty implications for property transfers, trust settlements, and gift deeds with cost-saving strategies.
State-Wise AnalysisSavings Strategy
HUF Planning
Formation, management, and dissolution advisory for Hindu Undivided Families, including partition deeds and HUF succession.
HUF AssessmentPartition Deed
Retirement Corpus Succession
Planning for EPF, PPF, NPS, gratuity, superannuation, and pension fund nominations and succession frameworks.
Corpus MappingNomination Alignment
Power of Attorney
General and specific POA drafting for asset management during incapacity, including NRI-specific requirements and apostille guidance.
POA DraftAttestation Guide
Advance Medical Directive
Healthcare directive compliant with Supreme Court guidelines under Common Cause v. Union of India (2018).
Living Will DraftSC Compliance
Guardianship Designation
Legal documentation for guardianship of minor children and mentally incapacitated dependents with contingency provisions.
Guardianship DeedCare Protocol
Succession Certificate
Documentation support for obtaining Succession Certificates under the Indian Succession Act from competent courts.
Application DraftsCourt Facilitation
Probate Facilitation
Guidance on probate requirements (mandatory in Maharashtra, West Bengal, etc.), documentation preparation, and counsel liaison.
Probate DocumentsLegal Coordination
Letter of Wishes
Non-binding guidance documents for trustees and executors on the settlor/testator's intent regarding discretionary matters.
Letter DraftIntent Documentation
Family Memorandum
Comprehensive dossier of assets, liabilities, advisors, key contacts, digital access, and critical documents for executors and heirs.
Emergency DossierAsset DirectoryContact Registry
Asset Inventory & Valuation
Systematic cataloguing and valuation of all asset classes — real estate, financial, business interests, personal property, and intangibles.
Asset RegisterValuation Summary
Philanthropic Strategy
Structured charitable giving including cause identification, vehicle selection (trust, Section 8 company), and impact measurement.
Philanthropy BlueprintImpact Framework
Section 8 Company
Establishment of not-for-profit companies under Companies Act, 2013 for structured philanthropic and social activities.
IncorporationGovernance Docs
Ethical Will / Legacy Letter
Non-legal document capturing family values, life lessons, personal philosophies, and wishes for future generations.
Legacy LetterValues Document
Family Legacy Governance
Establishment of legacy councils, intergenerational mentorship programmes, and family legacy documentation for continuity.
Legacy CharterCouncil Framework
Endowment & Scholarship
Structuring of perpetual endowments for educational, research, or community development with sustainability frameworks.
Endowment DeedSustainability Plan
CSR Integration Advisory
Alignment of personal philanthropic objectives with corporate CSR obligations under Section 135 of the Companies Act.
CSR Alignment ReportDual-Purpose Strategy
Service Suites & Pricing
Choose Your Suite
Five institutionally designed suites — from essential Will planning to comprehensive multi-generational legacy architecture. Every suite includes Finogent-branded documentation, compliance, and dedicated advisory.
Tier 1 — Essential
TESTAMENT
Foundational Will & nomination planning for every family
₹15,000 – ₹25,000
One-time engagement fee
- Comprehensive Will drafting & review
- Privileged Will (Armed Forces, where applicable)
- Digital Asset Annexure
- Nominee vs. Legal Heir audit
- Retirement corpus nomination alignment
- Insurance nomination review
- Family Memorandum & emergency dossier
- Power of Attorney (1 General POA)
- Will Registration assistance
- 1 annual review session (30 mins)
Tier 2 — Core
HERITAGE
Complete estate structuring for growing families & professionals
₹45,000 – ₹75,000
One-time engagement fee
- Comprehensive / Mutual Wills for couples
- Digital Asset Annexure
- Full Nominee vs. Legal Heir audit & rectification roadmap
- Gift tax planning advisory
- HUF assessment & planning
- Insurance-based estate review
- Retirement corpus succession planning
- General + Specific POA
- Advance Medical Directive / Living Will
- Asset inventory & basic valuation
- Will Registration assistance
- 2 annual review sessions (45 mins each)
MOST POPULAR
Tier 3 — Premium
COVENANT
Trust-based structuring for executives, entrepreneurs & NRIs
₹1,50,000 – ₹3,50,000
One-time engagement fee
- Everything in HERITAGE, plus:
- Private Family Trust (revocable or irrevocable)
- Testamentary Trust Will
- Family Constitution (basic framework)
- Capital gains tax planning
- Stamp duty optimisation (multi-state)
- Business succession plan (1 entity)
- NRI / cross-border assessment (1 jurisdiction)
- FEMA compliance assessment
- Letter of Wishes
- Ethical Will / Legacy Letter
- Quarterly reviews (1 hr) + Dedicated RM
Tier 4 — Elite
DYNASTY
Multi-entity succession & cross-border structuring for HNIs
₹5,00,000 – ₹15,00,000
One-time + Optional retainer ₹2L–5L p.a.
- Everything in COVENANT, plus:
- Up to 3 trust formations (family, business, charitable)
- Comprehensive business succession & governance
- Multi-jurisdiction Will coordination (2 jurisdictions)
- Cross-border estate tax analysis (DTAA-based)
- US / UK / UAE in-depth tax advisory
- Corporate succession (up to 3 entities)
- FEMA compliance restructuring
- Philanthropic strategy (basic)
- Immigration-linked estate assessment
- Monthly reviews + Senior Partner involvement
- 48-hour priority response
Tier 5 — Institutional
PERPETUITY
Multi-generational global architecture for UHNI & family offices
₹20,00,000+
Custom-quoted + Retainer ₹5L–20L p.a.
- Everything in DYNASTY, plus:
- Unlimited trust formations & restructuring
- Global estate planning (unlimited jurisdictions)
- Multi-country tax structuring (US, UK, UAE, SG+)
- FATCA/CRS compliance framework
- Family office setup advisory
- Professional management transition
- Full philanthropic strategy + Section 8 / Endowment
- Family legacy governance programme
- Partner-led dedicated team
- Bi-weekly check-ins + on-demand access
- Annual family strategy retreat facilitation
- Board-presentation-ready documentation
- 24-hour priority response
Will Services
Wills & Registration
Standalone Will drafting, codicils, and registration
₹3,000 – ₹2,00,000
Varies by type & complexity
- Simple Will: ₹5K–50K
- Comprehensive Will: ₹10K–1.5L
- Mutual/Mirror Wills: ₹8K–1L
- Privileged Will (Defence): ₹3K–7K
- Codicil Drafting: ₹3K–30K
- Will Registration: ₹3K–15K
- Digital Asset Annexure: ₹2K–25K
- Islamic Will (Wasiyyah): ₹7K–75K
- Testamentary Trust Will: ₹15K–2L
Trust Services
Trust Formation
All trust types — revocable, irrevocable, NRI, special needs
₹40,000 – ₹15,00,000
Varies by structure & jurisdiction
- Private Trust (Revocable): ₹50K–5L
- Private Trust (Irrevocable): ₹75K–7.5L
- Discretionary Trust: ₹60K–6L
- Business Succession Trust: ₹1L–10L
- Charitable/Public Trust: ₹40K–3L
- Special Needs Trust: ₹40K–3L
- NRI Trust Structuring: ₹1.5L–15L
- Trust Review: ₹30K–3L
- Trust Administration (Annual): ₹25K–5L p.a.
Cross-Border & Succession
Global & Business
Multi-jurisdiction planning, succession, and tax integration
₹7,500 – ₹25,00,000
Scope-dependent
- Multi-Jurisdiction Wills: ₹75K–5L
- US Estate Tax Planning: ₹1L–7.5L
- UK IHT Planning: ₹1L–6L
- UAE/GCC Planning: ₹75K–4L
- FEMA Advisory: ₹50K–3L
- DTAA/Tax Treaty: ₹75K–5L
- Business Succession: ₹1.5L–25L
- Family Constitution: ₹75K–10L
- Nominee Audit: ₹7.5K–50K
Note: All fees are exclusive of GST (18%) and government disbursements (stamp duty, registration fees, court fees, apostille charges). EMI options available on select suites. Defence & Senior Citizen concessions applicable.
Suite Comparison
Feature-by-Feature Comparison
A detailed view of what's included in each suite to help you choose the right level of coverage.
| Feature / Deliverable | TESTAMENT | HERITAGE | COVENANT | DYNASTY | PERPETUITY |
|---|---|---|---|---|---|
| WILL & DOCUMENTATION | |||||
| Comprehensive Will Drafting | ✓ | ✓ | ✓ | ✓ | ✓ |
| Mutual / Mirror Wills (Couples) | — | ✓ | ✓ | ✓ | ✓ |
| Digital Asset Annexure | ✓ | ✓ | ✓ | ✓ | ✓ |
| Will Registration Assistance | ✓ | ✓ | ✓ | ✓ | ✓ |
| Power of Attorney | 1 General | General + Specific | Multiple | Unlimited | Unlimited |
| Advance Medical Directive | — | ✓ | ✓ | ✓ | ✓ |
| Family Memorandum / Dossier | ✓ | ✓ | ✓ | ✓ | ✓ |
| Letter of Wishes | — | — | ✓ | ✓ | ✓ |
| Ethical Will / Legacy Letter | — | — | ✓ | ✓ | ✓ |
| TRUST & SUCCESSION | |||||
| Private Family Trust | — | — | 1 Trust | Up to 3 | Unlimited |
| Testamentary Trust Will | — | — | ✓ | ✓ | ✓ |
| Business Succession Planning | — | — | 1 Entity | 3 Entities | Unlimited |
| Family Constitution / Charter | — | — | Basic | Detailed | Comprehensive |
| Corporate Succession / Share Transfer | — | — | — | Up to 3 | Unlimited |
| Philanthropic Strategy | — | — | — | Basic | Full + Entity Formation |
| TAX & FINANCIAL INTEGRATION | |||||
| Nominee vs. Legal Heir Audit | ✓ | ✓ | ✓ | ✓ | ✓ |
| Retirement Corpus Planning | ✓ | ✓ | ✓ | ✓ | ✓ |
| Insurance Integration Review | Nomination Only | ✓ | ✓ | ✓ | ✓ |
| Gift Tax Planning | — | ✓ | ✓ | ✓ | ✓ |
| Capital Gains Optimisation | — | — | ✓ | ✓ | ✓ |
| Stamp Duty Optimisation | — | — | ✓ | ✓ | ✓ |
| HUF Planning | — | ✓ | ✓ | ✓ | ✓ |
| CROSS-BORDER & NRI | |||||
| NRI / Cross-Border Assessment | — | — | 1 Jurisdiction | 2 Jurisdictions | Unlimited |
| FEMA Compliance Advisory | — | — | ✓ | Full Restructuring | Full Restructuring |
| US / UK / UAE Tax Advisory | — | — | — | 1 Jurisdiction | All Jurisdictions |
| DTAA / Tax Treaty Analysis | — | — | — | ✓ | ✓ |
| FATCA / CRS Framework | — | — | — | — | ✓ |
| Immigration-Linked Planning | — | — | — | ✓ | ✓ |
| SERVICE DELIVERY | |||||
| Delivery Timeline | 15–20 days | 20–30 days | 45–60 days | 90–120 days | 6–12 months |
| Review Frequency | 1× Annual | 2× Annual | Quarterly | Monthly | Bi-weekly + On-demand |
| Dedicated Relationship Manager | — | — | ✓ | ✓ | ✓ |
| Senior Partner Involvement | — | — | — | ✓ | Partner-Led Team |
| Priority Response | Standard | Standard | Standard | 48-hour | 24-hour |
| EMI Payment Options | 3 months | 6 months | Custom | Milestone-based | Custom |
Special Programmes
Concessions & Benefits
Making institutional-grade estate planning accessible through targeted concession programmes.
Defence Forces Honour
Flat 25% off TESTAMENT Suite and all Will services. 15% off HERITAGE Suite. Free annual review for life. Priority processing for active-duty personnel.
Up to 25% Discount
Senior Citizen Concession
10% discount on TESTAMENT and HERITAGE suites for clients aged 65+. Complimentary home/virtual consultation for clients aged 75+.
10% Discount (65+)
Family Bundle
10% off for 2 family members, 15% for 3+, and 20% for intergenerational planning when parents and adult children engage simultaneously.
Up to 20% Savings
Referral Programme
Referring client receives 15% off next engagement. Referred client gets 10% off first engagement. Institutional referral pricing available.
15% Referral Reward
Our Process
Seven Phases to a Secure Legacy
Every engagement follows a structured, institutionally rigorous lifecycle — ensuring quality, compliance, and peace of mind at every step.
1
Discovery & Onboarding
Initial consultation, KYC/AML compliance, engagement letter execution, and comprehensive fact-finding through the Finogent Estate Planning Questionnaire.
2
Analysis & Strategy
Asset inventory compilation, tax position analysis, legal framework assessment, jurisdiction mapping, and strategy development. MoM documented for every interaction.
3
Draft Preparation
Preparation of all draft documents — Wills, trust deeds, POAs, succession plans, and advisory reports — in Finogent-branded institutional format.
4
Client Review & Iteration
Structured review sessions incorporating your feedback, resolving queries, and refining documents. Up to 2 revision rounds included in suite pricing.
5
Legal Review & Compliance
Internal legal review, compliance sign-off, and external legal counsel review where applicable across all relevant jurisdictions.
6
Execution & Registration
Will registration, trust registration, POA notarisation/attestation, and execution of all documents with proper witnessing.
7
Handover & Ongoing Management
Final documentation in branded portfolio, secure digital backup, annual review cycle onboarding, and retainer commencement if applicable.
Indian Succession Act &
Hindu Succession Act
Hindu Succession Act
Indian Trusts Act, 1882
& State Trust Acts
& State Trust Acts
FEMA 1999 &
RBI Master Directions
RBI Master Directions
Income Tax Act, 1961
& DTAA Treaties
& DTAA Treaties
FATCA & CRS
Compliance
Compliance
IT Act 2000
Data Protection
Data Protection
Ready to Secure Your Legacy?
Begin with a complimentary 30-minute discovery consultation. Our estate planning advisors will assess your needs and recommend the right suite for your family.
