Home Wealth structuring
Once we have a full understanding of your current financial circ*mstances, 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.
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.
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Find out how we can help you. Call +44 (0)1624 645000 or email [emailprotected]
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Retirement planning
Considering the tax implications is important when planning for success in retirement
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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.
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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.
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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:
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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.
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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.
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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.
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What our clients say
Nedbank Private Wealth helped work out the very best routes for my money to take through all the different companies and commodities around the world to make sure there is a long term view. It is a very reassuring and very life affirming relationship.
A current Nedbank Private Wealth client
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.
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As a client was going through a divorce, we helped her visualise her future finances to provide reassurance she could maintain her current standard of living and help her children financially when they are older.
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A couple wanted to achieve a joint annual net income of £75,000 throughout their retirement, and tax efficiently pass on their estate to their children.
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A couple in their mid-30s were keen to make sure they were on track for retirement, and plan for unexpected shocks, and see what ‘good’ looked like.
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A couple planned to move to the UK for their children’s education, but wanted to ensure their finances would enable them to be able to relocate in the future.
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Get in touch today
Find out how we can help you. Call +44 (0)1624 645000 or email [emailprotected]
Request callback Call now
OUR TEAM
Meet our team of dedicated professionals
Our teams are highly skilled and will help to understand your needs, giving you access to proactive help and efficiency through a single point of contact.
Find out more about our teams in the UK, Isle of Man, Jersey and Dubai here
Meet our team
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.
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