Working with a family dividing assets and investment portfolios across multiple generations

The situation

The family patriarch left behind a diverse range of businesses, including a valuable flagship asset for his offspring from various marriages. This asset has undergone development and captured the attention of a pension fund. The family desired to sell the asset, which was now in a trust structure, but that required adherence to a number of complex stipulations.

Additionally, the family desired to take a more active approach to investing, with strategies and advice customised to each family member.

The client’s goals

• Obtain advice for dealing with the pension fund.
• Understand the best way to deal with a sudden and unexpected influx of liquidity.
• Take a more autonomous approach to investing.
• Gain individual investment strategies for each family member with independent advice.

Our approach

• We outlined an approach for communicating with the pension fund.
• We designed a UK Treasury Bill portfolio for the family to assist with immediate cash management.
• The team provided guidance for family members (some with their own offspring) on building their individual investment portfolios.
• The team helped each family member understand the different investment strategies available to them and which ones might be suitable for their individual goals.

Outcomes to date

• Several family members now have individual investment portfolios that correlate with their risk appetite and long-term outlook.
• The family has renewed interest in – and understanding of – investing and has more active engagement with their portfolios.
• Some members of the family are working with us on their own succession planning by setting up structures around their various family members and planning to mitigate inheritance taxes.

Disclosure: Case studies are provided for illustrative purposes only and are based on real client or former client engagement. Some scenarios may reflect client experiences or work originally performed by a firm that has since been acquired. All client names, identifying details and contextual elements have been anonymised to protect client confidentiality. The outcomes described reflect the experience of a particular client. Results are not guaranteed and may vary based on each client’s individual circumstances, market conditions, regulatory requirements and specific financial objectives. Past performance is not indicative of future results.

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