{"id":2613,"date":"2024-12-09T11:55:49","date_gmt":"2024-12-09T16:55:49","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/2018\/01\/28\/preparing-for-wealth-transfer-what-you-need-to-know\/"},"modified":"2026-03-20T13:59:33","modified_gmt":"2026-03-20T13:59:33","slug":"preparing-for-wealth-transfer-what-you-need-to-know","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-eu\/insights\/preparing-for-wealth-transfer-what-you-need-to-know","title":{"rendered":"Preparing for wealth transfer: What you need to know"},"content":{"rendered":"\n

Successful entrepreneurs are known for building their businesses with a combination of passion and hard work.<\/p>\n\n\n\n

Naturally, there will come a point when you start to think about planning for the future<\/a>, stepping back from your businesses and passing wealth to loved ones<\/a>. A robust wealth transfer plan can help you achieve all three.<\/p>\n\n\n\n

An entrepreneur\u2019s assets are likely to be illiquid because they\u2019re tied up in the business, which can pose a challenge. Wealth transfer planning is therefore important for business owners because they have the extra dimension of thinking about an exit strategy from their company.<\/p>\n\n\n\n

Planning for a wealth transfer as early as possible will provide you with the time and breathing space to make sure you have the right structures in place when you decide to step back from the business. The broader preparations are likely to span tax and estate planning, as well as retirement, inheritance and succession planning. Although it may feel like there’s a lot to think about, try not to lose sight of the benefits a plan can bring.<\/p>\n\n\n\n

First, make sure you have the right advisors on hand to formulate a plan and guide you through the process. Even if you have advisors in place, Adam Wereszczynski, a relationship manager at RBC Wealth Management in the British Isles, says it could be beneficial to get a second opinion from an external advisor. This will clarify whether your existing arrangements are appropriate for your circumstances.<\/p>\n\n\n\n

\u201cIt is never a bad idea to get a second or third pair of eyes on your existing arrangements,\u201d he says.<\/p>\n\n\n\n

Planning your legacy<\/h2>\n\n\n\n

Once your advisors are in place, think about how much money will be required to achieve your objectives. This doesn\u2019t need to be as daunting as it sounds, as your wealth manager will be a resource in providing a cost-benefit analysis.<\/p>\n\n\n\n

\u201cThe first stage of the process is to establish how much of your wealth you need to look after yourself for the rest of your life. This involves cash-flow modelling to establish what your income needs are likely to be,\u201d says Kevin O’Shea, director \u2013 Wealth Planning at RBC Wealth Management in the British Isles.<\/p>\n\n\n\n

Given that your assets are likely to be tied up in the business, this may bring another question to the fore: are you planning to pass your business on to the next generation? If so, how can you do this tax efficiently?<\/p>\n\n\n\n

If the business is family-owned, you may be looking for another family member to buy you out. Whichever route you take, planning ahead can help ensure the best possible outcome.<\/p>\n\n\n\n

Creating a gifting strategy<\/h2>\n\n\n\n

At this point, it\u2019s worth thinking about how much you wish to gift<\/a> to any children and grandchildren \u2013 as well as the most appropriate route to do this.<\/p>\n\n\n\n

One option is to provide direct gifts. Each person has a \u00a33,000 annual tax exemption for gifts, which is removed from your estate immediately when used. You can also gift money or assets above this threshold that will be exempt from inheritance tax<\/a>, providing you live for at least seven years afterwards and you have no interest or link to the transferred assets. <\/p>\n\n\n\n

\u201cThis route depends on the age of the children and what they are like. For some parents, giving their children too much money too young can cause problems, in terms of them squandering it or lacking motivation to pursue a career,\u201d O’Shea says.<\/p>\n\n\n\n

If you wish to exert some control over how and when the money is allocated, gifting via a trust<\/a> will allow you to do this. You can draft letters of wishes for beneficiaries (including charities), executed by trustees.<\/p>\n\n\n\n

Bare trusts provide a neat solution for those who wish to pass on assets to minors. As a beneficiary, they will gain the right to capital and income within the trust from the age of 18.<\/p>\n\n\n\n

Family investment companies represent another option to transfer assets to the next generation (via a limited liability company structure), while life insurance policies<\/a> and offshore bonds can also be considered. Each option comes with its own tax implications, which need to be evaluated.<\/p>\n\n\n\n

In order for your wealth transfer plan to take effect, it must be underpinned by an up-to-date will that accounts for assets held across different jurisdictions.<\/p>\n\n\n\n

\u201cI think everybody should have a will \u2013 regardless of what their wealth is,\u201d O’Shea says.<\/p>\n\n\n\n

\u201cFor every report I write, the first question I ask is, \u2018Have you got a will?\u2019 If you do, I then ask if it is up to date. If you don\u2019t have a will, it will be a key priority to set one up. There is no point doing any clever financial planning if you haven\u2019t got a will,\u201d he says.<\/p>\n\n\n\n

This article was updated in Dec. 2024.<\/em><\/p>\n\n\n\n

\n

RBC is not a tax specialist and this does not constitute tax, legal or financial advice. Tax treatment depends on the individual circumstances of each client and may be subject to change in the future. You should always check the tax implications with an accountant or tax specialist.\u00a0<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

As an entrepreneur, passing on your assets to the next generation may not be as simple as it 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