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Wealth Succession Planning

 

Sonali Pradhan is Managing Director, RBS Financial Services (India) Pvt. Ltd., a part the Royal Bank of Scotland Group.

Sonali has over 14 years of experience largely in the banking industry. Prior to joining the RBS Group, she was Associate Director at Warmond Trustees & Executors Pvt. Ltd. assisting High Net worth Individuals with estate planning solutions.

Intergenerational Wealth TransferGiven the dynamics of wealth creation in the past two decades, Indian households have witnessed some of the largest absolute gains in wealth in the world. This wealth creation is not restricted to business households but many individual professionals have also appeared in the top earners list.  Alongside this wealth creation, we are also poised to witness one of the largest wealth transfers in the history.

 

However there is lack of awareness and pro-activeness in planning for such wealth transmission process. Many are not aware about the implication of passing away intestate which means dying without writing a Will.

 

There are personal laws based on the religion of a deceased individual, which defines the successors in case of an intestate death. While it is the legal heirs who will inherit the wealth in this process, the proportion in which the wealth will be inherited may not represent one’s wishes. Additionally the heirs are required to complete lengthy legal formalities to get an access to the wealth, let alone the disagreement between the legal heirs.

 

Fortunately there is some awareness about the Will amongst the households. “Will” is the most easy and effective document in the succession planning process. One can define the beneficiaries and their share in the estate in the Will. Details of assets and the beneficiaries written down on the plain paper witnessed by two individuals with self attestation are sufficient to create a valid Will. However the main limitation of a Will is that it can be challenged. Additionally, depending on the state in which one passes away and has estate in, the beneficiaries need to complete the legal formalities before inheriting the assets.

 

Typically a Will if complimented by nomination and appropriate joint tenancies can make the succession process seamless. It is important to note here that a nominee is merely a custodian of an asset except in case of the shares. The financial institutions hand over the corpus of a deceased investor to the nominee who is required to distribute it amongst the legal heirs or the beneficiaries of a Will. Nomination does not award a title but is useful to get immediate access to the wealth. Hence whether one writes a Will or not, one has to ensure appointing a nominee for all the assets.

 

Succession PlanningPRIVATE TRUST is another way in which wealth succession can be planned. A trust can be set up during one’s lifetime or upon one’s demise. Similarly the assets can be gifted to the trust during or after the lifetime. Depending on the desired control, the gifts can be revocable or irrevocable.  The person setting up such a trust is known as a Settlor and he/she defines the beneficiaries to these assets, the age at which an asset will be transferred to them or any other condition for a transfer. The settlor appoints the trustees to manage the assets who are responsible to distribute them to the defined beneficiaries. A transfer of assets to the beneficiaries is relatively seamless and dispute free process in case of a trust. But the success of a trust depends on the trustees and clauses defined in the trust deed. 

 

Whether it is a trust or a Will, one needs to first note down all the assets and liabilities. It is important to understand the needs of the beneficiaries and their situs. Contingencies are also to be considered while planning such transfer. The wealth transfer is not always related to demise and one may chose to transfer a part of a wealth during one’s lifetime. 

 

Another important aspect in wealth transmission is to consider the name in which the asset is held. One may hold the assets in an individual name or a corporate structure, a partnership firm, a sole proprietary firm or HUF. In case of corporate structures, the shares can be bequeathed and not the assets of such corporate. Similarly the partnership capital can be bequeathed. In case of HUF assets, the coparceners automatically become the successors. Post a legislative change in 2005, daughters are also considered as coparceners, even after being married.

 

Lastly it is important to review the wealth succession plan, just the way an investment portfolio is reviewed. Depending on the death, marriage, divorce or birth, one may need to change the plan. Seeking a professional assistance in this process is also recommended.


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Comments..

Prasad Barje
15-Dec-2018

Please provide me the details of succession planning course / CTEP

admin
30-Apr-2021

1

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admin
30-Apr-2021

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02-May-2021

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admin
30-Apr-2021

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admin
02-May-2021

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Whatsapp: +1-8-5-0-3-7-0-7-0-5-6 
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Whatsapp: +1-8-5-0-3-7-0-7-0-5-6 
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website: https://iconassetsrecovery.com 
Email: {support (at) iconassetsrecovery (dot) com 
Whatsapp: +1-8-5-0-3-7-0-7-0-5-6 
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Telegram: iconassetsrecovery RECOVER YOUR FUNDS FROM SCAMMERS. As a seasoned investor, I thought I had seen it all. But my recent encounter with Trade Deluxe left me shaken and wiser. This article serves as a warning to others: beware of the allure of false promises. Trade Deluxe presented themselves as a reputable investment firm, boasting impressive returns and minimal risk. their charismatic representatives assured me that my investment would yield substantial dividends. Blindly trusting their promises, I invested €680,800.00 hoping to secure my financial future. However, when I attempted to withdraw funds, I encountered hidden fees and bureaucratic hurdles. My calls and emails were met with evasion and vagueness. Reality hit hard: I had fallen prey to a sophisticated scam. Desperate for recourse, I discovered Icon Assets Recovery specialists in recovering lost funds. Their expertise and support gave me new hope. Together, we navigated the complex recovery process. This experience taught me valuable lessons: 1. Verify investment opportunities thoroughly. 2. Be cautious of unusually high returns. 3. Monitor communication and transparency. *Testimony* "I fell victim to Trade Deluxe's deceptive tactics, losing €680,800.00 But thanks to Icon Assets Recovery I regained control. Their professionalism and dedication helped me reclaim my lost funds. I urge others to exercise caution and verify investment opportunities. For further details contact: 
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Telegram: iconassetsrecovery RECOVER YOUR FUNDS FROM SCAMMERS. As a seasoned investor, I thought I had seen it all. But my recent encounter with Trade Deluxe left me shaken and wiser. This article serves as a warning to others: beware of the allure of false promises. Trade Deluxe presented themselves as a reputable investment firm, boasting impressive returns and minimal risk. their charismatic representatives assured me that my investment would yield substantial dividends. Blindly trusting their promises, I invested €680,800.00 hoping to secure my financial future. However, when I attempted to withdraw funds, I encountered hidden fees and bureaucratic hurdles. My calls and emails were met with evasion and vagueness. Reality hit hard: I had fallen prey to a sophisticated scam. Desperate for recourse, I discovered Icon Assets Recovery specialists in recovering lost funds. Their expertise and support gave me new hope. Together, we navigated the complex recovery process. This experience taught me valuable lessons: 1. Verify investment opportunities thoroughly. 2. Be cautious of unusually high returns. 3. Monitor communication and transparency. *Testimony* "I fell victim to Trade Deluxe's deceptive tactics, losing €680,800.00 But thanks to Icon Assets Recovery I regained control. Their professionalism and dedication helped me reclaim my lost funds. I urge others to exercise caution and verify investment opportunities. For further details contact: 
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Telegram: iconassetsrecovery RECOVER YOUR FUNDS FROM SCAMMERS. As a seasoned investor, I thought I had seen it all. But my recent encounter with Trade Deluxe left me shaken and wiser. This article serves as a warning to others: beware of the allure of false promises. Trade Deluxe presented themselves as a reputable investment firm, boasting impressive returns and minimal risk. their charismatic representatives assured me that my investment would yield substantial dividends. Blindly trusting their promises, I invested €680,800.00 hoping to secure my financial future. However, when I attempted to withdraw funds, I encountered hidden fees and bureaucratic hurdles. My calls and emails were met with evasion and vagueness. Reality hit hard: I had fallen prey to a sophisticated scam. Desperate for recourse, I discovered Icon Assets Recovery specialists in recovering lost funds. Their expertise and support gave me new hope. Together, we navigated the complex recovery process. This experience taught me valuable lessons: 1. Verify investment opportunities thoroughly. 2. Be cautious of unusually high returns. 3. Monitor communication and transparency. *Testimony* "I fell victim to Trade Deluxe's deceptive tactics, losing €680,800.00 But thanks to Icon Assets Recovery I regained control. Their professionalism and dedication helped me reclaim my lost funds. I urge others to exercise caution and verify investment opportunities. For further details contact: 
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Telegram: iconassetsrecovery RECOVER YOUR FUNDS FROM SCAMMERS. As a seasoned investor, I thought I had seen it all. But my recent encounter with Trade Deluxe left me shaken and wiser. This article serves as a warning to others: beware of the allure of false promises. Trade Deluxe presented themselves as a reputable investment firm, boasting impressive returns and minimal risk. their charismatic representatives assured me that my investment would yield substantial dividends. Blindly trusting their promises, I invested €680,800.00 hoping to secure my financial future. However, when I attempted to withdraw funds, I encountered hidden fees and bureaucratic hurdles. My calls and emails were met with evasion and vagueness. Reality hit hard: I had fallen prey to a sophisticated scam. Desperate for recourse, I discovered Icon Assets Recovery specialists in recovering lost funds. Their expertise and support gave me new hope. Together, we navigated the complex recovery process. This experience taught me valuable lessons: 1. Verify investment opportunities thoroughly. 2. Be cautious of unusually high returns. 3. Monitor communication and transparency. *Testimony* "I fell victim to Trade Deluxe's deceptive tactics, losing €680,800.00 But thanks to Icon Assets Recovery I regained control. Their professionalism and dedication helped me reclaim my lost funds. I urge others to exercise caution and verify investment opportunities. For further details contact: 
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Telegram: iconassetsrecovery RECOVER YOUR FUNDS FROM SCAMMERS. As a seasoned investor, I thought I had seen it all. But my recent encounter with Trade Deluxe left me shaken and wiser. This article serves as a warning to others: beware of the allure of false promises. Trade Deluxe presented themselves as a reputable investment firm, boasting impressive returns and minimal risk. their charismatic representatives assured me that my investment would yield substantial dividends. Blindly trusting their promises, I invested €680,800.00 hoping to secure my financial future. However, when I attempted to withdraw funds, I encountered hidden fees and bureaucratic hurdles. My calls and emails were met with evasion and vagueness. Reality hit hard: I had fallen prey to a sophisticated scam. Desperate for recourse, I discovered Icon Assets Recovery specialists in recovering lost funds. Their expertise and support gave me new hope. Together, we navigated the complex recovery process. This experience taught me valuable lessons: 1. Verify investment opportunities thoroughly. 2. Be cautious of unusually high returns. 3. Monitor communication and transparency. *Testimony* "I fell victim to Trade Deluxe's deceptive tactics, losing €680,800.00 But thanks to Icon Assets Recovery I regained control. Their professionalism and dedication helped me reclaim my lost funds. I urge others to exercise caution and verify investment opportunities. For further details contact: 
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Telegram: iconassetsrecovery RECOVER YOUR FUNDS FROM SCAMMERS. As a seasoned investor, I thought I had seen it all. But my recent encounter with Trade Deluxe left me shaken and wiser. This article serves as a warning to others: beware of the allure of false promises. Trade Deluxe presented themselves as a reputable investment firm, boasting impressive returns and minimal risk. their charismatic representatives assured me that my investment would yield substantial dividends. Blindly trusting their promises, I invested €680,800.00 hoping to secure my financial future. However, when I attempted to withdraw funds, I encountered hidden fees and bureaucratic hurdles. My calls and emails were met with evasion and vagueness. Reality hit hard: I had fallen prey to a sophisticated scam. Desperate for recourse, I discovered Icon Assets Recovery specialists in recovering lost funds. Their expertise and support gave me new hope. Together, we navigated the complex recovery process. This experience taught me valuable lessons: 1. Verify investment opportunities thoroughly. 2. Be cautious of unusually high returns. 3. Monitor communication and transparency. *Testimony* "I fell victim to Trade Deluxe's deceptive tactics, losing €680,800.00 But thanks to Icon Assets Recovery I regained control. Their professionalism and dedication helped me reclaim my lost funds. I urge others to exercise caution and verify investment opportunities. For further details contact: 
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Telegram: iconassetsrecovery RECOVER YOUR FUNDS FROM SCAMMERS. As a seasoned investor, I thought I had seen it all. But my recent encounter with Trade Deluxe left me shaken and wiser. This article serves as a warning to others: beware of the allure of false promises. Trade Deluxe presented themselves as a reputable investment firm, boasting impressive returns and minimal risk. their charismatic representatives assured me that my investment would yield substantial dividends. Blindly trusting their promises, I invested €680,800.00 hoping to secure my financial future. However, when I attempted to withdraw funds, I encountered hidden fees and bureaucratic hurdles. My calls and emails were met with evasion and vagueness. Reality hit hard: I had fallen prey to a sophisticated scam. Desperate for recourse, I discovered Icon Assets Recovery specialists in recovering lost funds. Their expertise and support gave me new hope. Together, we navigated the complex recovery process. This experience taught me valuable lessons: 1. Verify investment opportunities thoroughly. 2. Be cautious of unusually high returns. 3. Monitor communication and transparency. *Testimony* "I fell victim to Trade Deluxe's deceptive tactics, losing €680,800.00 But thanks to Icon Assets Recovery I regained control. Their professionalism and dedication helped me reclaim my lost funds. I urge others to exercise caution and verify investment opportunities. For further details contact: 
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Telegram: iconassetsrecovery RECOVER YOUR FUNDS FROM SCAMMERS. As a seasoned investor, I thought I had seen it all. But my recent encounter with Trade Deluxe left me shaken and wiser. This article serves as a warning to others: beware of the allure of false promises. Trade Deluxe presented themselves as a reputable investment firm, boasting impressive returns and minimal risk. their charismatic representatives assured me that my investment would yield substantial dividends. Blindly trusting their promises, I invested €680,800.00 hoping to secure my financial future. However, when I attempted to withdraw funds, I encountered hidden fees and bureaucratic hurdles. My calls and emails were met with evasion and vagueness. Reality hit hard: I had fallen prey to a sophisticated scam. Desperate for recourse, I discovered Icon Assets Recovery specialists in recovering lost funds. Their expertise and support gave me new hope. Together, we navigated the complex recovery process. This experience taught me valuable lessons: 1. Verify investment opportunities thoroughly. 2. Be cautious of unusually high returns. 3. Monitor communication and transparency. *Testimony* "I fell victim to Trade Deluxe's deceptive tactics, losing €680,800.00 But thanks to Icon Assets Recovery I regained control. Their professionalism and dedication helped me reclaim my lost funds. I urge others to exercise caution and verify investment opportunities. For further details contact: 
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Telegram: iconassetsrecovery RECOVER YOUR FUNDS FROM SCAMMERS. As a seasoned investor, I thought I had seen it all. But my recent encounter with Trade Deluxe left me shaken and wiser. This article serves as a warning to others: beware of the allure of false promises. Trade Deluxe presented themselves as a reputable investment firm, boasting impressive returns and minimal risk. their charismatic representatives assured me that my investment would yield substantial dividends. Blindly trusting their promises, I invested €680,800.00 hoping to secure my financial future. However, when I attempted to withdraw funds, I encountered hidden fees and bureaucratic hurdles. My calls and emails were met with evasion and vagueness. Reality hit hard: I had fallen prey to a sophisticated scam. Desperate for recourse, I discovered Icon Assets Recovery specialists in recovering lost funds. Their expertise and support gave me new hope. Together, we navigated the complex recovery process. This experience taught me valuable lessons: 1. Verify investment opportunities thoroughly. 2. Be cautious of unusually high returns. 3. Monitor communication and transparency. *Testimony* "I fell victim to Trade Deluxe's deceptive tactics, losing €680,800.00 But thanks to Icon Assets Recovery I regained control. Their professionalism and dedication helped me reclaim my lost funds. I urge others to exercise caution and verify investment opportunities. For further details contact: 
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Telegram: iconassetsrecovery RECOVER YOUR FUNDS FROM SCAMMERS. As a seasoned investor, I thought I had seen it all. But my recent encounter with Trade Deluxe left me shaken and wiser. This article serves as a warning to others: beware of the allure of false promises. Trade Deluxe presented themselves as a reputable investment firm, boasting impressive returns and minimal risk. their charismatic representatives assured me that my investment would yield substantial dividends. Blindly trusting their promises, I invested €680,800.00 hoping to secure my financial future. However, when I attempted to withdraw funds, I encountered hidden fees and bureaucratic hurdles. My calls and emails were met with evasion and vagueness. Reality hit hard: I had fallen prey to a sophisticated scam. Desperate for recourse, I discovered Icon Assets Recovery specialists in recovering lost funds. Their expertise and support gave me new hope. Together, we navigated the complex recovery process. This experience taught me valuable lessons: 1. Verify investment opportunities thoroughly. 2. Be cautious of unusually high returns. 3. Monitor communication and transparency. *Testimony* "I fell victim to Trade Deluxe's deceptive tactics, losing €680,800.00 But thanks to Icon Assets Recovery I regained control. Their professionalism and dedication helped me reclaim my lost funds. I urge others to exercise caution and verify investment opportunities. For further details contact: 
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Recovery Intelligence
26-Sep-2024

ARE YOU A VICTIM OF INVESTMENT OR NFT SCAM? DO YOU WANT TO INVESTIGATE A CHEATING SPOUSE? DO YOU DESIRE CREDIT REPAIR (ALL BUREAUS)? SCHEDULE A MEETING WITH AN ETHICAL HACKER ASAP TO GET STARTED. Let us show you the art of Ethical Hacking….! EMERALD HACKS is a financial regulator, PRIVATE investigation and funds recovery body. We specialize in cases as regards ETHICAL HACKING, CRYPTOCURRENCY, FAKE INVESTMENT SCHEMES and RECOVERY SCAM. We are also experts in CREDIT REPAIR, we analyze what’s impacting your score. All software tools needed to execute RECOVERIES from start to finish are available in stock. Kindly NOTE that the available tools does NOT apply to CREDIT FIX. Be ALERT to FALSE reviews and testimonies on the internet, the authors and perpetrators unite to form a syndicate. Contact our team as soon as you can via the email address below to book a mail meeting with an ethical hacker. emeraldhacks (.) org (@) gmail (.) com Stay Safe out there !

George Muhammad
16-Nov-2024

CRYPTO RECOVERY COMPANY THAT CAN HELP ME RECOVER MY LOST CRYPTO. CONTACT OPTIMISTIC HACKER GAIUS. My name is George Muhammad. Once, I got an email with a link that said I could make a ton of money. I was duped and lost a significant amount of money. I found OPTIMISTIC HACKER GAIUS when looking for options for recovery. My lost assets were retrieved with the aid of their amazing team. Kudos to them. Website: http://optimistichackergaius.com Whatsapp:+447376740569

Seipp Kidwell
11-Nov-2024

I'm willing to talk about my experience investing in bitcoin. You can, however, get your stolen bitcoins back. I was taught that recovering bitcoin was impossible, therefore I never thought it was conceivable. I recently lost close to $99,000 after falling for a forex scam that promised absurdly large returns. I looked everywhere for assistance before finding a Seeker Assets Recovery article online. When I contact Seeker Assets Recovery, my excitement was once more total. Get in touch with Seeker Assets Recovery as soon as possible. They are a registered hacking group that can help with a quick and efficient bitcoin recovery. Contact Seeker Assets Recovery at: Website: seekerassetsrecovery . com Email: info@seekerassetsrecovery.com

George Muhammad
16-Nov-2024

CRYPTO RECOVERY COMPANY THAT CAN HELP ME RECOVER MY LOST CRYPTO. CONTACT OPTIMISTIC HACKER GAIUS. My name is George Muhammad. Once, I got an email with a link that said I could make a ton of money. I was duped and lost a significant amount of money. I found OPTIMISTIC HACKER GAIUS when looking for options for recovery. My lost assets were retrieved with the aid of their amazing team. Kudos to them. Website: http://optimistichackergaius.com Whatsapp:+447376740569

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11-Jun-2025

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20-Jun-2025

I always thought I wont be cured and herpes has no cure until I came across a story about Dr Guba and I decided to contact him about my herpes virus, he assured me that he has a herbal medicine which is a permanent cure. I got the herbal medicine and used it as directed by him, I was happy when I went for another test after using the herbs and found out that I am herpes free. contact him by email via: drgubahealingherbs@gmail.com or WhatsApp: + 234 7077581439 or website: https://drgubahealingherbs.wixsite.com/guba-healing-herbs

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22-Jun-2025

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jahmire kyren
06-Apr-2025

Trust, I once believed, formed the essential foundation of any partnership, particularly in business ventures and financial transactions. My naiveté, however, led me to trust too readily. I encountered an individual presenting herself as a crypto investment guru and strategist. We bonded over shared interests, including our lifestyles and a mutual appreciation for arts and antiques. I found myself believing every word she spoke regarding his purported success in crypto and how crypto would soon take over the world. I was intrigued, after all, a couple of thousand dollars won't break a spine. Initially, the experience seemed promising, but it soon devolved into a chaotic situation. I was repeatedly pressured to provide increasingly substantial sums of money as my supposed profits grew, and I sought to withdraw my funds. Within a mere three months, I had transferred $390,000 in Bitcoin from my wallet across five separate transactions. Subsequently, my wallet was compromised and faced imminent threat. It was at this critical juncture that I sought assistance from META TECH RECOVERY PRO. I presented my case to them, and after a thorough analysis, they revealed that I had been communicating with a single individual throughout the entire ordeal. META TECH RECOVERY PRO swiftly secured my wallet and, through their expertise, successfully recovered my Bitcoin from the scammer. In conclusion, I strongly advise exercising extreme caution when placing your trust in individuals you encounter online. I am eternally grateful to META TECH RECOVERY PRO for their invaluable assistance. They can be reached via: M e t a t e c h @ W r i t e m e . C o m T e l e g r a m : @ m e t a t e c h r e c o v e r y p o t e a m c o n t a c t @ m e t a t e c h - r e c o v e r y p r o . c o m W/S  +1 4 6 9 6 9 2 8 0 4 9 THANK YOU.

Ajani T
09-Jun-2025

It’s obvious some patients with herpes are being enslaved to the antiviral and other supplementary Orthodox medicine just to help suppress the virus and not a cure. I have been with the virus since 2019 until I was introduced by a blogger who also narrated her story online on how she was cured of Genital Herpes after using Dr Ikpoko Herbal Medicine. This is a year and 3 weeks since I was delivered from genital Herpes. All thanks to God for using this Great herbalist to heal me. I have promised to keep telling good things about Dr Ikpoko on YouTube. Please feel free to share Your problems with him and don’t forget to tell him I did refer you to Him. Thanks. Write him on mail drikpoko@gmail.com He deals with Alzheimer virus, Cancer, HIV, Herpes, Genital, warts, ALS, BV, UTI, Virginal infection, Genital, Wart, HPV, Hepatitis A/B, Good luck, HSV, Pregnancy, Ex back. here is his website: https://drikpoko.wixsite.com/herbs

Oliver James
16-Jun-2025

I bring you Good news.There is a man called Dr Guba a herbal practitioner who helped cure me from Genital herpes,this i had suffered from for the past 2years and i have spent so much money trying to survive from it.I got my healing by taking the herbal medicine he sent to me to drink for about 9days.3days after completion of the dosage,I went for a medical checkup and I was tested Genital Herpes NEGATIVE.I'm sharing this so that other people can know of this great healer called Dr Guba because I got to know him through a friend he cured from HIV.I was made to understand that he can cure several other deadly diseases and infections.Don't die in ignorance and don't let that illness take your life.Contact Dr Guba through his email drgubahealingherbs@gmail.com You can also call him or WhatsApp him on:+2348162388034 Thank you Dr. Guba. Be kind enough to share as you received. or website: https://drgubahealingherbs.wixsite.com/guba-healing-herbs

Patricia Van
09-Jun-2025

I TESTED POSITIVE FOR HSV-2 A FEW MONTHS AGO. At first, Yes, I was devastated thinking I have an incurable STD for life. After doing hours of research I quickly realized genital herpes is a filthy parasite that just likes to hide in your body. Yes, There’s no “medical cure” but that doesn’t mean your body can’t get rid of it. I literally flush it out of my system with the help of Doctor Ikpoko on YouTube, A natural herbal medicine which I ordered after doing some research. And now I’m HSV-2 negative, I never believed it until my doctor finally gave me the test results and behold I was HSV-2 free. I’m so glad that I found you, Dr Ikpoko on YouTube. Thanks so much for your goodness I’m grateful. You can also get your help from him through his Email } drikpoko@gmail.com https://drikpoko.wixsite.com/herbs

Jeff Miguel
20-Jun-2025

My life is beautiful because of you, Mein Helfer. Lord Jesus is in my life like a candle in the darkness. You showed me the meaning of faith with your words. I know that even when I cried all day thinking about how to heal, you did not sleep; you were dear to me. I contacted the herbal medicine center DR.GUBA, who lived in West Africa. A friend of mine here in Hamburg is also African. She told me about African herbs, but I was nervous. I am very afraid in Africa because I have heard many terrible things because of my Christianity. God of direction, take a bold step and contact him in the email, then move to WhatsApp, he asked me if I can come for treatment or if I want delivery, I told him I want to know him and buy a ticket 2 ways to go to Africa To meet DR.GUBA, I went there and I was speechless at the people I saw there. Patent, sick people. Itua is a God sent to the world, I told my Pastor what I am doing, Pastor Bill Scheer. We have a real beautiful battle with Spirit and Flesh. Worship the same night. He prayed for me and asked me to lead. I spent 2 weeks and 2 days in Africa at DR.GUBA Herbal Home. After the treatment, he asked me to meet his nurse for an HIV test. When I did it, it was negative, I asked my friend to take me to another nearby hospital when I arrived, it was negative. I was too white with the result, but happy inside me. We went with DR.GUBA, I thanked him, but I explained to him that I do not have enough thanks, that he understands my situation, but I promise that he will testify about his good work. Thank God for my dear friend, Emma, I know I could read this now, I want to thank you. And thank you very much to DR.GUBA Herbal Center. He gave me his calendar which I put on my wall in my house. DR.GUBA can also cure the following diseases ... Cancer, HIV, Herpes, Hepatitis B, Inflammatory Liver, Diabetes, Fibroid, Parkinson's Disease, Inflammatory Bowel Disease, Fibromyalgia, recover your body. You can contact him via an email via: drgubahealingherbs@gmail.com or WhatsApp: + 234 7077581439 or website: https://drgubahealingherbs.wixsite.com/guba-healing-herbs

Tammy Leonard
20-Jun-2025

Good luck to anyone reading this true life story of mine, I Was Diagnosed With type 2 Herpes Virus Last year, And I Was Looking For Solution To Be Cured Luckily I Saw Testimonies On How Dr IKPOKO Cure Herpes Virus I Decided To Contact Dr IKPOKO I Contacted Him He Prepared A Herbal Medicine Portion And Sent It To Me, I Started The Herbal Medicine For My Health. He Gave Me Step By Step Instructions On How To Apply It, When I Applied It As Instructed, I Was Cured Of This Deadly Herpes Within 3 weeks, I Am Now Herpes Negative. My Brother And Sister I No That There Are So Many People That Have The Same Herpes Virus Please contact Dr IKPOKO To Help You Too, And Help Me To Thank Dr IKPOKO For Cure Me, I’m Cured By Dr. IKPOKO Herbal Medicine, His Contact Email: drikpoko@gmail.com or visit his website https://drikpoko.wixsite.com/herbs Or Cell WhatsApp Number +2348108298045 thank you

Beverly Yeager
13-Jun-2025

If you have been looking for ways to naturally get rid of the herpes simplex virus from your body totally, Then you are welcome to read further. Let's face reality here, You have tried so many counter drugs and you are confused, weak and angry because nothing seems to work. Good News For you my friend.... Yes, I came with good news that will liberate you from the pains and stress of the herpes outbreak, You will get a total cure from this virus using Dr Ikpoko Herbal Medication. He researched and identified some herbs and established a unique methodology to healing the human body using Herbal medicine that was confidently entrenched in his over 26years of experience. According to him, He has the cure for so many diseases/virus like GENITAL HERPES, HIV, DIABETES, CANCER, HPV, HSV1&2, GENITAL WART, SHINGLES, VIRGINAL INFECTION and so many more. You can reach Dr Ikpoko on his email: drikpoko@gmail.com or web: https://drikpoko.wixsite.com/herbs. I am using this medium to inform everyone how to get treated of herpes using Dr Ikpoko on YouTube recommended Herbal medication.

violet
22-Jun-2025

I wake up every day with a smile on my face and singing praises to the most powerful herbal doctor on earth Dr. Festus who has done me a great favor by rescuing from herpes. I used to think that I would never be cured till I met doctor Festus Who helped me get rid of the virus, I discovered him when I was looking for solutions online thanks to the person who put the contact information of Dr. festus on the internet because through that I was able to contact him and today I have been restored and love myself than ever before. I will do y'all a favor by dropping the contact information's of Dr. festus which are via email: Drfestusherbalsolutioncentre@gmail.com. you can also WhatsApp +2347073677389

Johanna
25-Jun-2025

I thought the physicians says there is no cure for HSV 2!!! I am telling you today that DR.Ahonsie cure HSV 2 with his herbal medicine and once you get cured you are cured forever it is never reversible, I have been suffering for this deadly disease called h HSV 2 for more than a 2years and lost all hope because my doctor says there is no cure for HSV 2. Brethren I saw a testimony on the internet on how DR.Ahonsie cure HSV, Hapatitis etc with his herbal medication and an email and watsapp to contact him was also displayed, I thought this was joke but I decided to contact him and he replied telling me not to worry that my problem is over . DR.Ahonsie sent me a herbal medication to drink for one month but only 2weeks I feel strange and I went to my doctor and he confirmed me negative. He can help you too. Contact him via email…drahonsie002@gmail.com You can also call or whatsApp his telephone number on +2348039482367. https://drahonsie002.wixsite.com/dr-ahonsie https://www.facebook.com/drstellaherbalhome?mibextid=ZbWKwLThanks once again Dr Ahonsie. He is capable of curing AUTISM, HERPES, HPV, HSV1&2, HEPATITIS A B C, and DIABETES

serena
26-Jun-2025

Do you know that there is a great herbal doctor who can cure any deadly disease like herpes, HIV/aids, cancer, syphilis, madness, hepatitis b, STD etc.. well my main purpose of writing this to the whole world is about the great deeds DR OGBAJI did for me. I was diagnosed of a HSV since the year 2000, ever since then i have been taking medications on till i met doctor OGBAJI. though i never believed in Herbal medicine, i saw many testimonies on how he cured so many people and i decided to contact him through his email, and he told me that he would require some items to prepare a herbal medicine for me and i sent him the money he needed i promised my self to do anything to get cured and so lucky he sent he fulfilled His part of the agreement he purchase the items and he prepared the medicine for me and he told me how i will be taking it. he asked me to have faith and believed in him which i did, after taking the medicine he asked me to go and check-up, when i did the check-up i was tested HSV Negative. All thanks to DR OGBAJI. if you are suffering from any disease like the herpes virus or other std and you need a way out i advice you kindly contact him via his email on:drogbaji19@gmail.com. can also WhatsApp + 234-808-9047-155.

serena
26-Jun-2025

i want to say a very big thank you to DR OGBAJI for what he has done in my life. feel free to leave him a message on Whats-app him +2348089047155. EMAIL;drogbaji19@gmail.com. he cures all this 1.HIV 2.HPV 3.ALS 4.BED WETTING 5.DIABETES 6.CANCER 7.ARTHRITIS 8.RHUEMATISM 9.DEMENTIA 10.ALZHEIMER

jahmire kyren
06-Apr-2025

Trust, I once believed, formed the essential foundation of any partnership, particularly in business ventures and financial transactions. My naiveté, however, led me to trust too readily. I encountered an individual presenting herself as a crypto investment guru and strategist. We bonded over shared interests, including our lifestyles and a mutual appreciation for arts and antiques. I found myself believing every word she spoke regarding his purported success in crypto and how crypto would soon take over the world. I was intrigued, after all, a couple of thousand dollars won't break a spine. Initially, the experience seemed promising, but it soon devolved into a chaotic situation. I was repeatedly pressured to provide increasingly substantial sums of money as my supposed profits grew, and I sought to withdraw my funds. Within a mere three months, I had transferred $390,000 in Bitcoin from my wallet across five separate transactions. Subsequently, my wallet was compromised and faced imminent threat. It was at this critical juncture that I sought assistance from META TECH RECOVERY PRO. I presented my case to them, and after a thorough analysis, they revealed that I had been communicating with a single individual throughout the entire ordeal. META TECH RECOVERY PRO swiftly secured my wallet and, through their expertise, successfully recovered my Bitcoin from the scammer. In conclusion, I strongly advise exercising extreme caution when placing your trust in individuals you encounter online. I am eternally grateful to META TECH RECOVERY PRO for their invaluable assistance. They can be reached via: M e t a t e c h @ W r i t e m e . C o m T e l e g r a m : @ m e t a t e c h r e c o v e r y p o t e a m c o n t a c t @ m e t a t e c h - r e c o v e r y p r o . c o m W/S  +1 4 6 9 6 9 2 8 0 4 9 THANK YOU.

Dominic
10-Jun-2025

I can't express my gratitude to Dr Ikpoko on YouTube for making me a living testimony. i have battled with HERPES SIMPLEX VIRUS 2 for about 6years now, and i have done all i can to make sure i am cured but nothing worked out, but miraculously my friend invited me to see a video on his Blog and as i visited i decided to see few of the comment below, and i found some people talking about Dr Ikpoko, and i decided to contact this great herbal healer to also help me,so i wrote to him, and he replied me back and assure me that i will get a cure for my HERPES SIMPLEX VIRUS 2. and after preparing my medicine he sent it to me and when i started using it for 3weeks i was completely cured, I am assuring you that you will be cured if you also contact this great man on his Email. drikpoko@gmail.com whatsapp: +2348108298045 website: https://drikpoko.wixsite.com/herbs

serena
26-Jun-2025

Do you know that there is a great herbal doctor who can cure any deadly disease like herpes, HIV/aids, cancer, syphilis, madness, hepatitis b, STD etc.. well my main purpose of writing this to the whole world is about the great deeds DR OGBAJI did for me. I was diagnosed of a HSV since the year 2000, ever since then i have been taking medications on till i met doctor OGBAJI. though i never believed in Herbal medicine, i saw many testimonies on how he cured so many people and i decided to contact him through his email, and he told me that he would require some items to prepare a herbal medicine for me and i sent him the money he needed i promised my self to do anything to get cured and so lucky he sent he fulfilled His part of the agreement he purchase the items and he prepared the medicine for me and he told me how i will be taking it. he asked me to have faith and believed in him which i did, after taking the medicine he asked me to go and check-up, when i did the check-up i was tested HSV Negative. All thanks to DR OGBAJI. if you are suffering from any disease like the herpes virus or other std and you need a way out i advice you kindly contact him via his email on:drogbaji19@gmail.com can also WhatsApp + 234-808-9047-155.

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