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High-net-worth family preparing for the generational transfer of wealth

04 May 2023

The client, their challenge

The client is a high-net-worth family based in the UK. They have been a client of IQ-EQ for over ten years and recently we have been helping them prepare for the transfer of the family wealth to the next generation. As the children grow older and become more acquainted with the family’s portfolio, they are to be more involved in the review and decision-making processes of wealth stewardship. This is in line with the settlor’s wishes and expectations.

Our solution

Ensuring efficiency throughout, our global Family Office Services team handled the set-up of a private trust company (PTC) for the client, in which we act as trustees, with underlying assets consisting of the UK operating company, UK real estate and investment portfolios.

Our client relationship manager (CRM) regularly discusses the risk profile, aims and strategic asset allocation of the investment portfolio with the investment consultant. The CRM then implements and reviews the agreed investment strategy.

Working together with the investment consultants, the directors of the Jersey PTC and the senior members of the family, we involve the children in reviewing the performance of a number of investment managers that manage the family’s substantial wealth on their behalf. Through this process they will learn the specifics of wealth stewardship, such as whether the return generated is worth the risk that those managers are taking.


This process will prepare the next generation for the responsibilities of wealth stewardship while reducing any risks involved with the inter-generational transfer.

Working with IQ-EQ has been seamless – you and your team understand our business, advise us appropriately, and handle your side of our collective partnership so that we can focus on making good investment decisions. Evan Gibson SVP, Merchants Capital

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