Client Profile:

• Age: 52
• Inheritance: £10 million in assets, including £6 million in equities, £2.5 million in property and £1.5 million in bonds and collectables
• Goal: Preserve and grow wealth efficiently and ensure a clear legacy for future generations

Initial Challenge:

The client inherited a substantial but disparate portfolio with assets spread across multiple jurisdictions. Before our involvement, annual returns averaged 3.5% and tax inefficiencies were costing nearly £70,000 each year. She required a coordinated strategy to streamline holdings, enhance returns and minimise taxes. Additionally, she needed a robust estate plan to guide future family wealth transfers.

Our Approach and Outcomes:

• Comprehensive Asset Review
We sold underperforming equities worth £250,000 and reallocated £500,000 from collectables into stable growth investments. By consolidating six investment accounts into two well-structured portfolios, we reduced annual management fees by about £5,000.

• Strategic Asset Allocation
We implemented a 60% equities, 30% bonds, 10% alternative assets allocation targeting a 5–6% annual return. Within 12 months, the portfolio returned 5.3%, raising projected 10-year growth from £14 million to £16.5 million assuming reinvestment.

• Estate and Tax Planning
Working with estate solicitors, we established a family trust holding £3 million in diversified assets to ensure tax-efficient transfers. By restructuring the portfolio, we reduced the annual tax liability by roughly £20,000 and lowered projected estate taxes by about 10%. We also introduced a philanthropic fund allowing annual charitable contributions of £20,000, reinforcing the family’s legacy.

Result:

After 18 months, the portfolio’s performance improved and tax costs decreased significantly. The client benefited from simpler reporting, stronger returns and a clear estate strategy. Her family now has a stable, efficiently managed financial framework designed to endure for generations. Our ongoing oversight ensures that her wealth adapts seamlessly to changing market conditions and family needs.