High-net-worth individuals have always loved property. Tangible. Appreciating. Generational. But the way you hold property matters more than the property itself. Most wealthy families get this wrong. I’ve been analysing property portfolios for HNW clients, and the pattern is consistent. They focus on acquisition whilst ignoring structure. They buy prime...

Most high-net-worth individuals have a will. Many have trusts. Almost none have structures that properly address digital assets. That gap will cost their families millions. I’ve been examining estate planning documents for wealthy families, and the disconnect is alarming. Wills written in the last decade barely mention cryptocurrency. Trusts established...

High-net-worth individuals treat pensions as an afterthought. A tax-efficient wrapper for retirement savings. A structure their accountant set up years ago. That thinking leaves substantial wealth unprotected. I’ve been analysing pension structures for wealthy families, and the gap between what’s possible and what’s actually implemented is staggering. Pensions aren’t just...

High-net-worth individuals in the UK face a tax landscape that’s become exponentially more complicated. What worked five years ago doesn’t work now. I’ve been examining the data, and the picture is stark. The $124 trillion wealth transfer unfolding globally includes a significant portion moving through UK structures. $83.5 trillion transfers to Gen X, millennials,...