Grow and Protect Your Wealth
“It’s not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for”
Our award-winning team can help you to grow and preserve your wealth with a comprehensive approach encompassing our investment, estate, and inheritance planning expertise.
We combine this holistic approach with personal high touch service to build and protect what matters to you, whilst providing continuity of service and support wherever you are in the world.
And because managing your wealth is an ongoing process, your dedicated Forth Capital advisor will continue to support you with a strategy that reflects your evolving investment goals, your investment timeframe and your attitude to risk.
Passing on Your Wealth and Protecting Your Assets
By ensuring that your wealth planning encompasses estate, succession, and inheritance considerations, we can help you pass on your assets in the most tax efficient way, providing your loved ones and beneficiaries with new opportunities - and potentially even creating a lasting legacy which will be remembered by your family for generations.
In an increasingly complex and fast-paced world, we can help manage your finances, freeing you from the burden of making day-to-day investment decisions.
We’ll give you back time to do the things you enjoy, and the peace of mind that you’re doing the right thing with your money.
The vast majority of international advice firms are unable to provide continuity of advice and service to British expats, as most international advisors focus only on providing offshore solutions or localised services in their own jurisdiction.
In contrast, Forth Capital as a UK and internationally authorised and regulated firm, with two decades of experience and expertise, can support you every step of the way - wherever you are in the world, and wherever you choose to go next.
This can vary from case to case and you should always speak to your international financial advisor to get a clearer picture of where you stand. In most cases, assets held in a pension are considered outside of your estate, while bank deposits, property, and ISAs are liable to Inheritance Tax (IHT), subject to the application of the IHT threshold and your use of Trusts and FICs as part of your estate planning.
Setting up a Trust can be an effective way to mitigate Inheritance Tax (IHT), as assets held in Trust are typically outside of an individual’s estate. This means that the assets in the Trust are not subject to IHT when the individual dies.
There are a number of Trusts that can be used as part of your estate planning, to help you pass your assets on to your loved ones in the most tax efficient way possible. To identify the structure that would work best for you and your beneficiaries, one of our qualified advisors can discuss your specific circumstances and goals with you as part of an initial consultation.
Sometimes outright gifts to family members might not be appropriate. However, holding investments in a separate company – a Family Investment Company (FIC) – might be a good alternative option.
An FIC enables you to benefit from lower tax rates on investment income and gains. The timing of tax liabilities on the distribution of funds to shareholders can also be managed.
To find out more about setting up a Family Investment Company and whether this could be the right option for you and your family, speak with one of our qualified advisors who will be glad to discuss this with you as part of an initial consultation.
Making a Will is an essential part of estate planning and the important question to ask is, which country would you consider yourself most closely connected to?
Certain countries have strict succession laws (such as forced heirship in France and Spain) and often the best course can be to maintain a Will in multiple jurisdictions.
Within the EU a Will can be written to include an election on which country’s laws of succession should apply, allowing individuals to elect between the law of their habitual residence or law of their nationality. Great care must be taken with a solicitor to ensure that multiple Wills do not overwrite or invalidate each other.
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