Trusts and Gifting

Powerful legal arrangements for complex family situations.

How can I pass on my assets to my family securely?

A Trust is a legal structure that can permit certain assets to be held and managed safely, usually for the benefit of others, often in a way that can be tax efficient. You can pass on your assets in the event of your death using Trusts, but they can also work as part of your financial planning when you are alive.

Trusts can work with your Will to set out your legacy strategy in detail. The aim of a Trust is to give you the legal flexibility to pass on your assets to your beneficiaries exactly how you want to, and often to safeguard them too.

Trusts can be complicated, which is why professional assistance is a must.

Different types of Trusts

There are many different types of trust and each has a specific function and purpose. Some of the most popular are Will Trusts, Lifetime Trusts, and Discretionary Trusts.

Will Trusts, Lifetime Trusts and Discretionary Trusts

  • Will Trusts are often used by married couples/civil partners to ensure that the family home is passed on appropriately and securely in the event of one partner passing away. In specific scenarios, Will Trusts can offer potent benefits in the area of care home costs and inheritance tax. They come into effect on death and can also be useful for protecting assets that would be passed to minor children.
  • Lifetime Trusts can be useful as they can potentially allow you to reap financial benefits by placing assets, such as a property, in a Trust whilst you are still living, so that it falls outside of your estate for inheritance tax purpose.
  • Discretionary Trusts allow you to pick and choose multiple beneficiaries to a Trust set-up, rather than just a single recipient, and can offer flexibility. They are popular to fund education for grandchildren, or to look after someone who is unable to manage their own affairs

This can be a complex area, especially for someone not resident in their home country as there can be additional tax considerations.

Let our expertise guide you on some of the ways to protect your assets and legacy, and to provide for your family at the same time, in the way you want it done.

Questions to ask yourself about retirement

  • Have you saved enough?

    Check now and take action. As retirement approaches many people become worried that they haven't saved enough money. Our advisers can review your portfolio to make sure you are on track and recommend a range of options if you're not quite there yet. There is no harm in having a look - especially with professional help.

  • Are your pensions scattered across the world?

    Get your pensions in one place. The life of an expat means that you'll probably have numerous pensions in different countries but, as you approach retirement, it’s a great idea to look at consolidating your pensions for a manageable, stress-free retirement. Simple is often best.

  • Do you have a care plan for later life?

    Get your plans in place for long-term care plan you can rely on. Paying for care can be expensive and complicated but, with the right strategy, you may be able to avoid using your pension or assets to cover time in a care home.

History and heritage

Holborn Assets was established in 1998 and is widely considered to be the financial services company of choice in the expatriate market it serves. No other independent company can match our expertise or depth of proposition. We have therefore always felt at home headquartered in Dubai, the world’s fastest growing City State and one of the economic wonders of the world.

Holborn Assets has regulated operations in the UK, Europe, Asia and South Africa and a global administration hub employing 150 people in Sri Lanka. The corporate DNA that has underpinned our growth is simple: we are passionate about helping people put the right money, in the right place, at the right time.

We are a friendly, family company with British values of integrity and respect for all.

Don't just take our word for it

Excellent- Mark Powsney

“I had been recommended to Holborn and I was fortunate to be connected with Mark Powsney when looking to organise my finances. From our first meeting to now he has been a pleasure to deal with. He listened to my circumstances and tailored the right offshore saving and pension to suit me. At the same time he has helped source insurances that I did not think would be possible. Mark strikes the right balance between professional advisor and friend and it has been refreshing to have that level of candor and integrity along with sound advice through this process.”

QROPS Transfer - Stuart Bichard

“Stuart has been an immense help throughout the QROPS transfer process. He really understands his clients and their apprehension of entering into what for many is a daunting process. His took the time to explain the pros/cons and the governance in which Holborn Assets operates i.e. being regulated by the UK's FCA. He's immensely approachable and I've thoroughly enjoyed working with him. If you're thinking of transferring into a QROPS scheme I'd have no hesitation in recommending Stuart.”

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