Wealth is more than a number on the balance sheet. It reflects generations of entrepreneurship, hard choices and perseverance. But wealth also brings responsibility: how do you maintain oversight, use it effectively, and ensure a thoughtful transfer?

We help family businesses structure their wealth with purpose – professionally, and with a deep understanding of family dynamics. Our aim? To support continuity, peace of mind and new opportunities.

Why wealth planning deserves your attention

In many family businesses, wealth is closely intertwined with the business itself and with family ties. Without clear agreements, this can lead to confusion or even conflict. Common questions include:

  • How do we distribute wealth fairly among family members?
  • How do we ensure a smooth transfer to the next generation?
  • What are the tax implications of inheritance or gifting?
  • How can we protect our wealth from external risks?

Discussing these questions early – and openly – creates clarity and stability for both the family and the business. You’ll find answers to these and other questions at the bottom of this page.

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Frequently asked questions and answers

A fair distribution starts with recognising that 'fair' can mean different things to different people. One family member may value financial equality, while another places more importance on involvement in the business or emotional fairness.

The key is to open the conversation early and explore these diverse perspectives. These discussions often go beyond numbers – they reveal expectations, appreciation and future ambitions.

By capturing the outcomes in a family charter, will or shareholders’ agreement, you reduce the risk of misunderstandings or conflict in the future.

Succession isn’t a single moment – it’s a process. Start early by involving the next generation, giving them the opportunity to experience entrepreneurship and openly discuss hopes, concerns and responsibilities.

At the same time, make sure legal and tax matters are in order. Consider gifting strategies, voting rights and the business succession scheme (BOR).

A jointly agreed succession plan helps avoid surprises and fosters continuity – both in business and in family relations.

Transferring wealth, whether during your lifetime or through inheritance, can trigger inheritance or gift tax. Without planning, these costs can be substantial. For business owners, the business succession scheme (BOR) is particularly important. It can significantly reduce the tax burden – provided all conditions are met.

Timely planning, regular reviews of your will and gifting strategy, and expert legal and tax advice are key to keeping control and avoiding unnecessary costs for your heirs.

Wealth can be vulnerable – to economic downturns, legal claims or personal issues such as divorce. Protection involves more than just insurance or investment strategies.

Think about separating personal and business assets, setting up prenuptial agreements, and diversifying your investments. Good governance is also essential: clear decision-making structures and ownership rules help reduce risk.

Structuring wealth through a holding company, family foundation or family fund can safeguard continuity – even in turbulent times.

It’s a common challenge: how to involve younger family members without overwhelming them – or shielding them too much. Transparency and education are essential. Start small. Introduce them to the business’s values and history, include them in future planning conversations, and give space for their ideas.

Some families set up a family council or hold regular family meetings where younger generations can learn and contribute. Investing in the development of the next generation might just be the smartest wealth strategy of all.

It’s perfectly natural for family members to have different opinions – should we invest, gift, pay dividends, or save for the future? These views often reflect the different roles people hold: shareholder, employee, board member or passive heir.

Rather than ignoring these differences, bring them to the surface. Open dialogue helps uncover shared values and goals. Consider setting out common principles in a family charter or investment policy. Clear communication prevents wealth from becoming a dividing line.