Family or personal investment companies

Protect, preserve and secure your family’s wealth for future generations.

Building and safeguarding family wealth requires careful planning. Once we understand your personal circumstances and long-term goals, we’ll guide you through the best options for growing, preserving, and passing on your wealth to the next generation.

For individuals with significant assets, forming a Family Investment Company (FIC) can be an effective strategy. If you hold cash or investments exceeding £1 million, these assets are typically exposed to a 40% Inheritance Tax (IHT). An FIC offers an alternative to traditional trusts, allowing you to make IHT-efficient gifts while retaining control over your investment strategy. This structure not only protects family wealth but also offers flexibility in managing assets.

Another option is a Personal Investment Company (PIC), which can serve as a viable alternative to holding investments personally. With a PIC, your investments benefit from lower corporate tax rates, which are often more favourable than the higher income tax and capital gains tax rates applied to individual investments. These tax advantages allow for more reinvestment potential, which can lead to faster wealth accumulation over time.

Our goal is to help you navigate these options with clarity and confidence, choosing the strategies that best align with your family’s unique circumstances and objectives.

If you’d like to explore which approach might be right for you, please don’t hesitate to get in touch. We’re here to discuss your needs and provide expert guidance tailored to your goals.

This guidance is generic in nature and does not constitute advice. You should take no action based upon it without consulting ourselves or your own professional advisor.