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Family Investment Company

A Family Investment Company (FIC) is more than just a financial tool—it’s a bespoke structure designed to give your family greater control, enhanced opportunities, and long-term security. Unlike standard setups, our FICs are tailored to meet your specific goals, optimizing wealth management, privacy, and tax efficiency while preserving your family’s legacy.

Are You Considering Evolving Your Family’s Future?

Here are some Common Q&As To Help You See If An FIC Would Be Effective For You:

Who is a Family Investment Company (FIC) for?

Answer: A Family Investment Company is typically associated with high-net-worth individuals and families with a wealth threshold over £2 million. However, at our firm, we take a unique approach by working closely with mid-range business owners earning over £150,000 per year or with estates starting from £1 million.

We believe that you don’t have to be extremely wealthy to benefit from an FIC, but you do need to think and act with a rich mindset. The key to leveraging an FIC is strategic planning and understanding the long-term benefits of wealth preservation, tax efficiency, and generational wealth building. This makes an FIC a viable option for those business owners and entrepreneurs who are ready to adopt a strategic approach, regardless of whether they currently meet the conventional wealth thresholds.

In essence: It’s not about being wealthy; it’s about being wealth-minded.

How can an FIC help double my family’s wealth in 2-4 years?

Answer: An FIC offers significant advantages that can accelerate wealth growth by reducing tax exposure and optimizing the management of family investments. Here’s how:

  • Corporate Tax Savings: By moving assets under the FIC umbrella, you can benefit from a 25% corporate tax rate rather than higher personal tax rates, freeing up more funds for reinvestment.
  • Reinvestment Efficiency: Profits within the FIC can be reinvested without being immediately taxed. This allows your wealth to compound faster, which, combined with a robust investment strategy, can potentially double your assets within a few years.
  • Income Distribution Flexibility: Dividends and salaries paid from the FIC can be structured in a way that minimizes tax burdens, meaning more money stays within your family’s control.

In essence: An FIC isn’t just about protection; it’s a tool for exponential growth, turning today’s assets into tomorrow’s empire.

Does HMRC approve of FICs? Is this a scheme?

Answer: Family Investment Companies (FICs) are not a tax avoidance scheme. An FIC is simply a bespoke corporate structure, customized to the specific needs of a family’s business, investment goals, and future aspirations. HMRC has previously reviewed the use of FICs and, after in-depth analysis, has left them alone. This is because FICs, when created properly, follow the letter of the law and use existing legislative and tax code guidelines.

An FIC is designed to operate transparently, making full use of allowable reliefs and exemptions that the government has made available to encourage effective succession planning and wealth preservation. Rather than manipulating tax laws, an FIC works within them to help families strategically structure their wealth, in much the same way large corporations structure their assets.

In essence: An FIC is not a loophole or grey-area scheme—it’s a validated, lawful strategy for those looking to future-proof their wealth.

What makes an FIC more effective than a traditional trust?

Answer: Trusts have long been used for wealth protection and tax planning, but FICs provide enhanced flexibility and control that traditional trusts often lack. With an FIC, you retain full control over investment decisions and business operations while passing on the economic benefits to your family members.

  • Greater Control: As a shareholder and director, you can direct the company’s affairs, whereas trusts often restrict control in favor of the trustees.
  • Enhanced Tax Planning Options: FICs offer corporate tax advantages and are more versatile when it comes to income distribution and asset growth, making them particularly effective for active business owners.
  • Scalability and Reinvestment: An FIC can grow and scale as your business and family wealth grow, allowing for new investments, business ventures, and wealth strategies to be integrated seamlessly under one structure.

In essence: An FIC is not just a container for your wealth—it’s a growth vehicle designed for sophisticated planning and next-generation wealth strategies.

We Guide You Every Step Of The Way

Get Your Personalized FIC Case Study

To gain the greatest insight into how an FIC structure could be optimized for your family’s wealth creation and legacy planning, we highly recommend scheduling a consultation with Alex, our Head of Northern Ireland Operations.

Alex, alongside our top barristers and business strategists, will create a bespoke case study tailored to your specific needs and future goals. This in-depth analysis will showcase the unique opportunities and benefits an FIC can offer your business and family, providing you with a clear, strategic roadmap to financial efficiency and legacy preservation.

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