Wealth & legacy
Transfer is a financial event with its own requirements.
As assets accumulate, the question shifts from accumulation to structure: what transfers, to whom, in what form, and with what liquidity available at the time.
What it is
Understanding Legacy & Wealth Transfer.
Legacy and wealth transfer planning examines how assets and financial responsibilities may move to the next generation or to other intended recipients.
Protection strategies are sometimes used to create liquidity, equalise inheritances, or support continuity of illiquid assets.
Who it may be relevant for
- Families holding illiquid assets such as property or a business
- Owners intending to pass assets to specific individuals
- Households where heirs have differing involvement or needs
- Individuals coordinating with estate and tax advisers
Considerations
Common financial considerations.
These are the inputs most often reviewed during an analysis. None of them are recommendations on their own.
Liquidity at transfer
Obligations may arise before illiquid assets can be sold.
Equalisation
Dividing unequal or indivisible assets fairly among heirs.
Continuity
Whether an asset is intended to be retained or realised.
Adviser coordination
Estate documents and tax positions sit with your own professionals.
Questions to consider
Worth thinking through first.
- 01Which assets are illiquid, and what would they need to cover?
- 02Are heirs intended to receive equal value or specific assets?
- 03Do current documents reflect current intentions?
- 04What liquidity would be available at the time of transfer?
The process
How the analysis works.
- 01
Start With Your Situation
Tell us what you're trying to protect.
- 02
Complete Your Financial Analysis
Provide information about your financial situation, goals, obligations, and priorities.
- 03
Review Your Options
We evaluate relevant strategies based on the information provided.
- 04
Build Your Protection Strategy
Determine which solutions are appropriate for your circumstances.
- 05
Implement & Review
Put the selected strategy in place and periodically review it as circumstances change.
FAQ
Frequently asked questions.
The information on this page is general in nature and is not individualized financial, legal, or tax advice.
Financial analysis
Your financial protection should start with your situation — not a product.
Before discussing solutions, we start by understanding your financial picture, priorities, obligations, and goals.