Wealth structuring services

Once we have a full understanding of your current financial circumstances, our wealth planners can help you structure your wealth in the most effective way to meet your financial goals. This can include managing your assets and financial affairs tax-efficiently to preserve your wealth.

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Tax matters

Managing your affairs efficiently

Wealth structuring ensures you’re making full use of all the tax allowances, exemptions and reliefs available to you to preserve more of your wealth for the future.

We will explore tax-efficient investment options, such as ISAs and pensions if you’re based in the UK or are an expat, and other structures such as offshore bonds, trusts and family investment companies. As an additional benefit, wealth structures can help to enhance financial security and succession planning for you and your family.

Retirement planning

Considering the tax implications is important when planning for success in retirement

  • Building a retirement pot

    UK pensions are a tax-efficient way to invest and save for your retirement as they provide a structured and effective savings vehicle which offers tax benefits.

  • UK pensions in drawdown

    It’s often worth drawing down from your other savings before your pensions, as they usually fall outside of your estate and are therefore exempt from UK inheritance tax. For this reason, they can also play a valuable part in your estate planning. Our experienced wealth planners can help you make the most of your pension options and structure your wealth as a retiree to ensure you enjoy the long and comfortable retirement you planned for.

Inter-generational wealth planning

How to ensure your loved ones benefit from your wealth

Whether it’s helping your children onto the property ladder or paying for grandchildren’s education. These choices raise questions about how you can pass on your wealth effectively, as early as possible and minimising your inheritance tax burden, where possible. Some options include:

  • Lifetime gifting

    Gifting during your lifetime is the most straightforward way to pass on your wealth, but it can mean a loss of control and protection.

  • Setting up structures

    Wealth structures such as, trusts, family investment companies and family limited partnerships can allow you some control over how a gift is invested and how it should benefit your family.

  • Life insurance

    Whilst not specifically mitigating the inheritance tax burden, life assurance structured in the correct manner can be useful to pay any tax due, protecting more of your wealth for your beneficiaries.

Frequently asked questions

Nedbank Private Wealth

What is wealth structuring?

Wealth structuring is a means of managing, protecting and growing your wealth in the most effective and tax-efficient way.

What does wealth structuring involve?

It can involve retirement planning, estate planning for the transfer of wealth to future generations and managing your money more tax efficiently.

How can wealth structuring services help me?

Wealth structures services can help you manage your wealth effectively to achieve your financial goals, both now and in the future.

Can you help me manage my international wealth?

Yes. We have extensive experience of working with high-net-worth international clients who have complex financial affairs and assets around the world.
Charitable giving

Setting up a structure for regular giving

For a more altruistic way to reduce the value of your estate and provide tax benefits, you could consider setting up a structure for regular gifting to worthwhile causes as part of your wealth plan.

Our wealth planners can advise on the most effective ways to set up regular charitable giving. As a charitable donor, you may benefit from UK tax reclaims you paid on your donation.

You may also be interested in

Read more about the range of services you can choose from

Protecting family wealth

Structuring can protect family wealth as it passes down the generations

With complex legislation around inheritance tax (IHT) in the UK, our wealth planners will work with your professional tax advisers to navigate the regulatory environment and help you find the best solutions to minimise your tax liability and help you explore the best options for you and your family.

Corporate social responsibility

Recognising the impact and taking action

We support projects that help reduce the impact we have on our local and global environment. We work closely with local charities to help improve the communities in which we operate and, more broadly, we partner with Ecologi to offset more than our collective carbon footprint puts back into the environment.

Related case studies

Read about more clients we have helped

We have helped countless clients with their financial needs – some straightforward, some complex. Our bespoke approach, where we really get to know our high net worth clients, allows us to offer solutions that other wealth planners and private banks aren’t able to.

Get in touch today

Find out how we can help you. Call +44 (0)1624 645000 or email [email protected]

Find out more about our teams in the UK, Isle of Man, Jersey and Dubai here

Frequently asked questions

Nedbank Private Wealth

What are the benefits of wealth planning?

Wealth planning services can help you manage your wealth in the most efficient and effective way to achieve your financial goals and aspirations.

How can I preserve my wealth?

Incorporating retirement planning, estate planning and tax-efficient options into your wealth plan can help to preserve your wealth.

Should I combine my pensions into one?

There can be some benefits to combining your pensions, but you should always take professional advice to ensure all the implications are fully considered.

What is a trust?

A trust is a legal arrangement for managing your assets (such as, money, investments, land or buildings) for the benefit of others.