Estate Planning
United Kingdom

Designing a Sophisticated UK Estate: A Layered Approach for Wealth Protection and Management

Explore a strategic UK estate structure blending companies, trusts, and life insurance for wealth protection and management.
Lewis Jackson
CEO and Founder

UK Sophisticated Estate Structure Example

Components

LTD (Private Limited Company)

- Holds business or investment assets

- Operates the main business

Business Trust

- Owns LTD

- Extra layer of asset protection

Family (Discretionary) Trust

- Holds various family assets including Business Trust

- Easier management of family wealth

Life Insurance Policies

- Policies you can borrow against (Whole Life, Universal Life)

Structure & Flow

LTD Operations

- Limited liability

- Manages business assets

LTD --> Business Trust

- Business Trust owns LTD shares

- Possible tax advantages

Business Trust --> Family Trust

- Consolidates family wealth

- Can own other assets too

Insurance Policies

- Accumulates cash value

- Can be borrowed against

Key Features

Tax Efficiency

Income splitting to minimise tax.

Asset Protection

Multiple layers for protection.

Estate Planning

Manage and distribute assets via Family Trust.

Liquidity

Borrow against insurance policies.

Governing Docs

Each entity has its rules and structures.

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Note: This is a simplified overview. Always consult with professionals like tax advisors, lawyers, and financial planners for personalised advice.

Please contact a UK estate planning professional if you're looking to implement this structure within ⁠the directory of professionals.

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Disclaimer: All content and programs are for educational purposes only. Nothing here is financial, tax, or legal advice. Results vary and are not guaranteed. Always do your own research and consult qualified professionals before making financial decisions.