Sheppard Solution services

Estate Planning

Not just for the affluent or elderly, estate planning is for anyone interested in ensuring that their assets are passed on when death inevitably occurs. Those with inherited wealth face the added complexity of continuing the family’s legacy for future generations. We make it easy for you to pass on your estate with our transferable accounts. Very few individuals have estate planning documents in place, and as wealth increases, the necessity of planning for your succession must also increase.

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Sheppard’s tax-deferred annuity plan will encourage saving for the future and help you reach your long-term goals with one of our risk-managed plans.

Estate Planning

At Sheppard, we want to help you plan for your future legacy.

Estate planning is the act of preparing for the transfer of a person's wealth and assets after his or her death. Assets, life insurance, pensions, real estate, cars, personal belongings, and debts are all part of one's estate.

When you die without a will or trust, the country in which you reside has laws that determine who will receive your assets, which may or may not be in accordance with your wishes. Unfortunately, if there are no proper records of your wants, your heirs may not have a choice.

When it comes to estate planning, the issues that need to be confronted are far easier to avoid than to address, but they need to be considered regardless of your wealth bracket. Everyone should incorporate some form of estate planning when managing his or her finances for the following reasons.

  1. It prevents your assets from ending up with unintended beneficiaries. You should consider what will happen to the breadwinner in the family and to whom the assets will be left.
  2. It protects families with young children by ensuring that your kids will always be taken care of in a way that you are happy with.
  3. It stops heirs from overpaying in taxes. A large part of estate planning is geared towards the eventual tax burden and reducing it as much as possible.
  4. It eliminates potential conflicts when you pass on. No one wants their family to fight over money after they die. Estate planning helps alleviate any distress.

Interested in Estate Planning? Contact us to open an account!

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Thinking of leaving your legacy to your heirs or even charity may be hard to face, but we are here to help you, every step of the way.

The Pelagic Transfer on Death (TOD) Plan is an innovative solution to help your family members or named beneficiaries avoid the lengthy delays experienced while awaiting probate under the Wills and Probate Act of Trinidad and Tobago. This will allow your loved ones to access the investment accounts after the passing of any account holder.

TOD accounts effectively avoid the need for probate as assets in these accounts can be transferred immediately to nominated beneficiaries on the death of the account holder.

This account allows you to work with our team to build a portfolio based on your needs and goals to ensure that you are able to meet the wishes of your estate.

International Investment Access

Almost any asset type, security, and currency can be held in these accounts. You will have access to almost any investment security worldwide.

Full Service Investment Account

Authority to act on the account remains with you. You will retain beneficial ownership of the account with full authority to trade, transfer assets, withdraw or deposit funds, or make any necessary amendments as you see fit.

Name Your Beneficiaries

When opening TOD accounts, you will have the opportunity to name at least one beneficiary who will receive the assets held in the account once you have passed on. You can add or remove beneficiaries at any time.

Allocate Your Legacy

You can name as many beneficiaries as needed and, based on your wishes, you can decide how the assets should be divided.

Automatic Asset Transfer

Assets are automatically transferred, as per your request, to the beneficiaries upon the passing of the last surviving joint tenant.

Interested in Estate Planning? Contact us to open an account!

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Accounts under the Pelagic TOD Plan are fee based and subject to quarterly management fees.

The fee schedules for both Discretionary and Non-Discretionary accounts remain applicable for these accounts.

Account Holder

  • BIR number
  • Two forms of valid identification
  • Recent utility bill
  • Recent job letter or pay slip


  • Two forms of valid identification
  • Recent utility bill

Interested in Retirement Planning? Contact us to open an account!

Contact Us