Our Solutions – United Kingdom

Delegation and the Private Wealth Portfolio, both based in Ireland, are designed for high-net-worth and ultra-high-net-worth investors who don’t want the responsibility and administrative burden of handling their own portfolio of assets. Your clients can’t select the individual investments, and they can’t influence how their discretionary fund manager does either, but the discretionary manager can use their expertise to build and manage your clients’ investment portfolios using a much wider range of collective and non-collective investments than would be available with a ‘conventional’ investment bond. This allows you and your clients to concentrate on their financial planning objectives.

Search Delegation or Private Wealth Portfolio in our Document Library here.

Private Client Portfolio is our proposition for high net worth clients, provided by our Luxembourgish insurance carrier. It provides a single premium, whole of life unit-linked insurance policy. Clients can select from a complete range of investments including alternative assets and complex assets and can select multiple investment strategies that allow for choosing different levels of income.

Clients retain access to their assets and control over when and where to take a partial or full surrender, while ensuring control over the transfer of assets to future generations.

Private Client Portfolio is designed for investors who are resident in the UK and who are looking for a legal, secure, tax-efficient, adaptable and long-term wealth structuring solution.

The policy is suitable for lump sum investments of at least £125,000 with the option for additional contributions. The client can select between different death benefit options and the policy offers flexibility around estate and succession planning.

Search Private Client Portfolio in our Document Library here.

With Selection, based in Ireland, and Evolution, based in the Isle of Man, you can help your clients reach their growth or income targets with a range of investments, all managed in one place.

Your clients can:

• Choose from thousands of funds to help meet medium to long-term goals (5 to 10 years or longer)
• Switch funds to respond to market changes
• Use an investment platform
• Use a discretionary manager
• Combine it with a trust for inheritance planning.

Search Evolution or Selection in our Document Library here.

With the Generation Planning Bond, based in Ireland and the Estate Planning Bond, based in the Isle of Man we have solutions that help you to help your clients pass on their wealth to the people they love, whilst retaining an ‘income’ in the form of capital withdrawals to maintain their lifestyle.

To find out more, search Estate Planning Bond or Generation Planning Bond in our Document Library here.

Our trusts could play an important role in your clients’ UK inheritance planning.

We offer the following trusts:

• Discretionary Gift Trust
• Absolute (Bare) Gift Trust
• Loan Trust
• Discounted Gift Trust (absolute or discretionary versions)
• Excluded Property Trust
• Probate Trust
• Reversionary Interest Trust (Lifestyle Trust)

Search Trusts in our Document Library here.

Choosing trustees is a big decision for your clients. Sometimes, it’s also a sensitive decision. They may not want to burden any of their family or friends with all the responsibilities that come with being a trustee, or they might just want to keep their trust arrangement confidential for the time being. If that’s the case, we can help.

Utmost offers a professional trustee service* regulated by the Isle of Man Financial Services Authority, with an experienced team who are committed to managing your client’s Utmost trust sensitively and efficiently. It means that, no matter what a client’s personal situation is, you can be sure that their wishes are in safe hands.

• Expert knowledge
• Administration friendly
• Impartiality
• Well regulated
• Cost effective

Search Trustee Services in our Document Library here.

*Our professional trustee service is provided by Utmost International Trustee Solutions Limited (No. 137986C) which is licenced and regulated by the IOM FSA..