Family Trust · 家族信託

Protect and Transfer Wealth Across Generations

A family trust is the cornerstone of generational wealth planning — providing asset protection, controlled succession, and long-term governance of your family's financial legacy.

Explore Trust Options

Trust Structure

The Three Parties of a Trust

Settlor (委託人)

The individual who creates the trust and transfers assets into it — typically the family wealth creator or patriarch/matriarch.

Trustee (受託人)

The entity responsible for managing the trust assets in accordance with the trust deed — a professional trust company or licensed institution.

Beneficiary (受益人)

The family members who ultimately benefit from the trust — children, grandchildren, or other designated persons.

Core Functions

What a Trust Achieves

Asset Protection

Assets transferred into a trust are separated from personal liabilities — protecting family wealth from business risk, creditors, or legal disputes.

Controlled Succession

Predetermined distribution conditions, timelines, and beneficiary rules — reducing family disagreement over inheritance.

Long-Term Governance

Investment strategy, distribution rules, and governance conditions set by the settlor continue to apply even after death.

Cross-Border Asset Integration

For families with assets across multiple jurisdictions, a trust provides a unified legal framework for management and succession.

Trust Types

Common Trust Structures

Revocable Trust

Settlor retains a degree of control and can modify or revoke the trust within certain conditions.

Irrevocable Trust

Assets cannot be recalled once transferred — provides stronger protection and cleaner separation from personal assets.

Discretionary Trust

Trustee has discretion on distribution to beneficiaries — flexible and responsive to changing family circumstances.

Insurance Trust

A policy is placed in trust so that proceeds pass directly to beneficiaries outside probate.

Recommended Scale

When to Consider a Family Trust

A family trust is typically recommended for families with liquid investible assets of HKD 10 million or above — especially when there are cross-border assets, business interests, or complex family structures.

Protect Your Legacy