Asset protection from lawsuits, creditors, divorce and inheritance tax

“We take care of the paperwork, so you can take care of the dream.”

How Smart Founders Ring-Fence Everything They Own From Creditors, Divorce, Lawsuits, Inheritance Tax, and the Risk of a Future Exit Tax

If you are an entrepreneur, you already know the truth: building wealth is hard, keeping it is harder.

Now imagine twelve months from today.
Your trading risk lives in a safe box. Your family wealth sits behind a professional trustee. Your brand and code are untouchable. Your inheritance tax exposure is mapped and intentionally reduced. If policy shifts and a personal exit tax appears, you already have options.

Hold that picture in your mind.

Because over the next few minutes, you will see why serious UK founders install asset protection before they need it, and why our solution is the safest, cleanest way to do it now.

Why Asset Protection Is Not Optional For Founders

Most owners obsess over revenue, while leaving the front door unlocked.

• Every bit of capital you protect is capital that compounds over time. No extra staff, no extra ad spend, just intelligent structure.

• One bad quarter, one hostile letter before action, one relationship breakdown, and the wrong paperwork can vaporise a decade of work.

• Policy changes are not a question of if, they are a question of when. Optionality is a moat you must build in advance.

Bottom line: if you are serious about wealth, you do not hope. You engineer.

The Five Threats You Must Neutralise

Creditors and personal guarantees
Banks and suppliers love personal guarantees. The moment a covenant is breached, claims chase you, not just your company. If your cash and IP sit in the trading entity, you have made yourself easy to freeze.

Divorce and relationship breakdown
The family court can reach what looks reachable. If assets live in your name, or inside thin paperwork, negotiation starts on the back foot. Thoughtful trust and share design strengthens your position and reduces chaos.

Lawsuits
Employment claims, product issues, partner disputes. If operating assets and valuable assets live together, one problem infects your entire balance sheet.

Inheritance tax up to 40 percent
Nil rate bands help a little. Business relief helps if you qualify and maintain it. Sloppy planning means value crystallises in the wrong place, at the wrong time, at the wrong rate.

Future exit tax risk
Other countries already tax unrealised gains on change of residence. The UK and other European countries could introduce a similar charge for individuals. If you may relocate someday, build pathways now so you are not forced to sell or trigger value under pressure.

Our Solution In Plain English

This is not wizardry. It is a coordinated, lawful, advisory led system that makes you hard to attack and easy to defend.

HoldCo and OpCo separation
Your trading risk stays in OpCo. Your cash and IP flow to HoldCo under clear, arm’s length agreements. Dividends move up. Debts do not move down.

Asset silos
Property, brand IP, codebase, and treasury assets sit in their own SPVs. One claim cannot cascade across your life.

Modern discretionary trust
A professionally drafted discretionary trust holds shares in HoldCo or specific SPVs for your family line. Real world control is exercised through governance, not bare title. Letters of wishes and trustee appointments create distance that courts respect. Correctly done, this frustrates opportunistic creditors, strengthens your stance in divorce, and sets the stage for succession.

Family Investment Company where suitable
For UK domiciled founders who want corporate control with estate planning benefits, an FIC paired with growth shares and trust owned voting shares lets you steer the ship while long term growth accrues outside your taxable estate, subject to advice and ongoing compliance.

IHT optimisation with business relief in mind
We map which assets qualify now, which can be structured to qualify based on genuine activity, and which should be placed outside exposure. The aim is simple, reduce the slice the state can take without risking your commercial reality.

Governance that wins in daylight
Director minutes, service agreements, transfer pricing files, decision logs, trustee resolutions. When your paperwork matches your behaviour, adversaries lose leverage.

Built in optionality for residence change
If you later become a non resident, the structure already holds value in a tax coherent position. You are never forced into a rushed reorganisation if rules move.

Why Our Approach Is Safer Than Quick Fixes

Most “asset protection” fails because it is cosmetic. A Companies House filing here, a boilerplate trust there, no substance, no bankable story. That invites attack.

We do the opposite.

• Commercial purpose first, then tax, then filings.

• Real substance where it belongs, directors who make decisions, fees that reflect reality.

• Documents that would make sense to a judge, a regulator, and a buyer’s due diligence team.

If it is not clean in daylight, it does not go in your file.

Who This Is For, And Who It Is Not For

Ideal
Profitable founders in tech, manufacturing, logistics, ecommerce, property, and professional services, with family or legacy goals, who value control through governance and long term defensibility.

Not a fit
Anyone seeking secrecy, nominee games, or off the shelf paperwork that exists only to impress a banker at account opening.

The Transformation Timeline

Today
Personal guarantees exist. Trading risk and valuable assets share a house. IHT exposure is vague. Relationship protection is a hope and a handshake. Policy risk sits in the background like a storm you are ignoring.

90 days from engagement
HoldCo, OpCo, and SPVs formed, banked, and papered. IP and cash moved under clear terms. Trust settled with professional trustee, letters of wishes in place. Shareholders agreement and, where relevant, nuptial protections aligned.

6 to 12 months
Governance cadence is routine. Insurance is a cushion, not a crutch. IHT plan mapped and funded. Optionality for relocation understood. You sleep better.

What Happens If You Sell

Buyers pay more for clean.
With assets in the right boxes, due diligence becomes simpler, risk discounts shrink, and proceeds flow to the right place on day one. You protect value on the way up and at liquidity.

Numbers You Care About

We do not price feelings. We price deliverables.
Design sprint, fixed fee. Implementation milestones, fixed fee. Ongoing governance, fixed retainer. The return is measured in preserved equity, avoided claims, reduced IHT, and a faster, cleaner exit. The payback is often immediate the first time a problem does not become a catastrophe.

Objections, Answered

Is this legal
Yes. We operate within UK & EU statutes, case law, and accepted practices. Transparent, documented, defensible.

Is this complicated
Detailed, not difficult, and we carry the detail. Your time is protected.

What if rules change
They will. Good architecture gives you options. We adapt the plan, you keep control.

Will I lose control
No. You trade bare ownership for structured control. Directors, trustees, and agreements express your intent in a way that stands up.

Your Deliverables

• Diagnostic and blueprint: entity map, trust design, share classes, funding path, governance calendar, IHT model, relocation options.

• Implementation: incorporations, banking, intercompany contracts, IP assignments, trust settlement, board and trustee minutes, registers.

• Compliance engine: filings, minutes, transfer pricing files, trustee resolutions, annual reviews, advisor packs.

Everything tidy, everything provable, everything aligned.

The Cost Of Waiting

Every week that passes, value accrues in the wrong entity, guarantees remain live, marital and partnership ambiguity compounds, and IHT exposure ticks up. The best day to build a seatbelt is before the crash. The second best day is today.

Your Next Step

This is the part where you stop thinking about it and act.

Speak to an advisor now.
On a confidential call we will map your exposures, confirm what is possible for your facts, and give you a clear implementation plan and timeline. If you are not a fit, we will tell you directly and point you to the right specialist.

Protect what you have built.
Move assets to safety.
Secure your family’s future.

Creditors do not wait. Courts do not care that you meant to get to it. Policy does not ask for your permission.

We have the solution. Speak to an advisor to get going.