Real Wealth Strategies for Real Families

A Shenzhen-based entrepreneur with HKD 50M+ in Hong Kong and offshore assets wanted to ensure controlled wealth transfer to two adult children — preventing family disputes and protecting from potential business liabilities.

Established a discretionary trust in Hong Kong holding a BVI company as the trust asset. The BVI company held the investment portfolio and HK property interests. Distribution conditions and age requirements for beneficiaries were set in the trust deed.

Clean separation of personal assets from business risk. Controlled succession framework in place. Estate settled without probate proceedings, beneficiaries received assets per settlor's wishes.

A second-generation Hong Kong family with HKD 200M in diversified assets (equities, private equity, property, insurance) lacked centralised governance and had inconsistent investment management across multiple banks.

Established a Single Family Office (SFO) under a Cayman holding structure qualifying for HK SFO tax concession. Implemented Investment Policy Statement, family charter, and consolidated reporting. Appointed dedicated CIO and compliance officer.

Consolidated asset reporting for the first time. Investment returns improved through disciplined IPS adherence. Family governance framework reduced intergenerational decision-making friction.

A senior banking executive sought to transfer HKD 10M in liquid savings to children in a tax-efficient, structured manner — without triggering Hong Kong stamp duty and while maintaining currency flexibility.

Structured a USD-denominated participating whole life policy with the executive's two children named as irrevocable beneficiaries. QDAP annuity policy set up separately to optimise annual tax deductions.

Projected death benefit of HKD 35M+. Annual QDAP tax deduction of HKD 60,000 applied. Policy bypasses probate — benefits pass directly to children outside estate.