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Using a private company to hold investments such as property, shares, or other assets, means families can plan for succession, manage inheritance tax exposure, and maintain control over key decisions.
At ASWATAX, we specialise in helping families set up, structure, and manage FICs that support their unique financial and generational goals, ensuring the company works effectively both now and for future generations.
What is a Family Investment Company?
A Family Investment Company (FIC) is a private limited company set up to hold and grow family wealth, usually through investments such as property, shares, or other assets. Unlike a traditional trust, the FIC gives you greater control over how funds are managed and distributed, while also creating opportunities for inheritance tax (IHT) savings. FICs are increasingly popular among high-net-worth families who want a modern, flexible approach to succession and long-term financial planning.
Family Shareholders
Shareholders are typically family members across generations, allowing the family to retain ownership and benefit from the company’s growth over time. This structure also ensures that wealth can be transferred gradually, supporting smooth succession planning without losing control.
Voting Rights and Control
Parents often retain voting rights and control through special share classes, ensuring that key decisions remain within trusted hands. This approach allows families to balance control with the gradual involvement of younger generations, giving them experience in managing wealth responsibly.
Asset Management
Assets are transferred into the FIC to be managed collectively, providing a structured approach to growing and protecting family wealth. Centralising assets in this way also makes it easier to implement a consistent investment strategy aligned with the family’s long-term goals.
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Our Family Investment Company Services
Our comprehensive Family Investment Company services cover every aspect of FIC planning, management, and compliance. We provide both technical tax expertise and practical guidance tailored to your family’s wealth, succession, and long-term objectives.
Our Approach to Family Investment Company Planning
Every family’s situation is unique, and no two Family Investment Companies are the same. We take a highly personalised approach, working closely with you to understand your goals, financial priorities, and long-term succession plans. This allows us to design shared structures, governance arrangements, and wealth transfer strategies that align with your family’s objectives.
For families who wish to retain control, we can act as a behind-the-scenes advisor–reviewing strategies, highlighting tax opportunities, and providing technical guidance–so you can manage the company confidently while benefiting from specialist expertise.
Structuring and Strategic Planning
We work closely with you to design a structure that makes sense for your family. This includes choosing the right share classes, setting up governance arrangements, and planning how wealth will flow between generations. Our goal is to make the FIC practical, tax-efficient, and aligned with your family’s long-term objectives, without overcomplicating things.
Flexible Ways to Work Together
Some families just need advice to get started, while others want ongoing support as circumstances change. We adapt to suit you–whether that’s helping with a one-off setup, offering regular guidance on tax and governance, or acting as a trusted advisor over the long term.
Collaborative Family Support
We don’t just work for you; we work with you. By involving family members, your advisers, and trustees where appropriate, we make sure everyone is on the same page. This way, decisions are smoother, strategies are coordinated, and your FIC grows and works exactly as it should for generations to come.
Areas of Specialist Support for Family Investment Company
Inheritance Tax Planning: Structuring your FIC to reduce inheritance tax exposure and pass wealth efficiently to the next generation.
Wealth Succession: Designing multi-generational ownership and share arrangements to ensure smooth transitions over time.
Share Structure and Governance: Advising on control versus growth shares, voting rights, and corporate governance to suit family dynamics.
Asset Management and Allocation: Guidance on the mix of property, investments, and cash within the FIC for optimal growth and risk management.
Capital Gains and Income Tax Efficiency: Implementing tax strategies to minimise corporation tax, capital gains tax, and other liabilities.
Family Agreements: Drafting shareholder and family agreements to protect interests and reduce potential disputes.
Ongoing Compliance and Reporting: Support with corporation tax filings, HMRC reporting, and maintaining regulatory compliance.
Property and Investment Transfers: Guidance on transferring assets into the FIC efficiently, including property, shares, and other holdings.
Secure Expert Family Investment Company Advice Today
A Family Investment Company can be a powerful tool for managing wealth, planning succession, and reducing inheritance tax, but its structure and ongoing management require careful planning. Our specialist team is ready to guide you through every stage, from setting up the company and designing share structures to optimising tax efficiency and ensuring long-term compliance.
Get in touch with us today to find out how professional FIC planning can help protect your family wealth and support your long-term financial goals.
Prefer to Talk First?
Not sure if a Family Investment Company is right for your family? Give us a call to discuss your options and discover how a well-structured FIC can secure your family’s financial future.
Frequently Asked Questions.
Here is a list of the most frequently asked questions from our clients.
