Choosing the right wealth planning structure: FICs vs trusts vs offshore bonds
Family investment companies (FICs), trusts and offshore bonds are three of the most common structures used in UK tax and wealth planning — but what do they actually mean for you and your family?
In this episode, we break down how each structure works in practice, how they differ on control, tax, reporting and long-term succession, and why the right choice depends on your goals rather than what’s currently popular. We look at how trusts separate ownership and benefit, how FIC share classes shape governance and growth, and how offshore bonds use tax deferral and 5% withdrawals. We also explore when it makes sense to combine structures, plus the real world trends we’re seeing — from rising reporting requirements to cross-border moves and the growing appeal of familiar corporate frameworks.
Listen now to understand these wealth structures in simple terms and consider which approach fits your family’s plans.
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