My family

Stronger together. For generations to come.  

When it comes to wealth, family structures are often complicated. People live longer, sometimes with multiple careers or even multiple marriages. Many families are also increasingly international in nature. And each situation requires a unique solution.

We’ve helped families over the years, by bringing an unbiased perspective to the emotion and impulse that sometimes colors discussions around these complex and sensitive issues. We’re here to guide you and your family towards the right solution.

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Together, we can help you plan your family wealth.


My life stages

Some of our clients walk through our doors with a clear life mission, but many others don't. They need inspiration, guidance and a sense of what options are out there and what others have done.

Below, you’ll find real-life stories, useful insights and perhaps even some inspiration. You’ll also find examples of the sorts of questions our wealth planners can help you answer.

Children and grandchildren

Planning your children's future is important. Your children are your legacy and you want to equip them for the challenges ahead. But in a changing world, what skills will they need? Perhaps you’re wondering how much money you should set aside for them. We can help you give them the best chance at success.

Questions to ask yourself

It’s helpful to begin financial planning early if you want it to be as effective as possible. There’s a lot to consider, so start by asking yourself these questions:

As generations pass, the number of family shareholders grows. Only strong governance can align them.

64%

of those surveyed said that family governance was important or very important to them.1


Education and career

A good education can open doors. You can ensure your children get the best possible opportunities by starting with the right plan. We can help you find the answers and plan the journey, so that you can provide them with the right tools to succeed.

Questions to ask yourself

You want your children to have the most fulfilling life possible. There’s a lot to consider, so start by asking yourself these questions:

Sarah Allat, Head of Wealth Planning Advisory, discusses the biggest issues when it comes to wealth transfer


Marriage and divorce

Lives may not be as linear as they once were, but one fact remains: nothing dissipates wealth as quickly as marriage and divorce. While many marriages last a lifetime, some sadly don’t. In those cases, it’s important to be aware of all the options with regard to finances. We can help facilitate this difficult conversation by putting it into the broader context of financial planning.

Questions to ask yourself

When it comes to relationships, it’s difficult to anticipate the future. But general principles can be established, so start by asking yourself these questions:

What's it all for?

The question of what wealth is for has no single answer, and it’s a deeply personal matter for most individuals. Our report highlights eight different families and some of the real challenges they faced when making plans to transfer wealth to the next generation.


Housing and relocation

You've worked hard to get where you are. But with housing prices surging decade after decade, it's almost impossible to get onto the property ladder without help.

Maybe you need help preparing to inherit your parents' estate. Or you want to provide your children with housing. You and your family may even be moving to an entirely different country. Fortunately, we have advisors all over the world to help, whatever your situation.

Questions to ask yourself

When you’re planning a big move, it’s a good idea to begin early. There’s a lot to consider, so start by asking yourself these questions:

We have a network of more than

170

wealth planners worldwide, offering an international approach to investment advice.2


Retirement and succession

What should you consider when planning for tomorrow? What will your legacy be? When you love what you do, stepping aside isn’t easy. But as time goes by, your lifestyle will naturally adjust to a change in priorities. You may want to remain hands on. Or you may want to take a step back and pursue other passions.

Perhaps you’re aiming to leave the world a better place than you found it, make sure your loved ones benefit from your wealth or set up a charitable foundation for a cause close to your heart. With time, you might need to reconsider your financial plan. We can help you make your mark tomorrow while protecting your wealth today.

Questions to ask yourself

To ensure your financial plan is the best it can be, it pays to begin early. There’s a lot to consider, so start by asking yourself these questions:

61%

of those surveyed said one of their main motivations for earning money now is to leave behind a good financial legacy for family and loved ones.3


Inheritance

Inheritance is a big subject. Maybe you need help preparing to inherit your parents' estate. Or you might be thinking about passing on your wealth to your loved ones. To protect your family's wealth, you'll need the best possible plan.

The appropriate investment strategy when you receive a substantial inheritance will depend on your age at the time of inheritance, your expected spending needs over your lifetime and your appetite for risk.

It's also important to make sure your children are financially and emotionally secure when you're no longer around. What skills will they need? How much money should you set aside for them? And how can you make sure they inherit not just your wealth but your values, too? While you can't predict your children's future, you can certainly help them prepare for it.

And when it comes to inheritance taxation, our advisors can work with you and your tax advisor to guide you. The bigger, more important questions are what you want to achieve while you’re alive and what you want to have control over with your legacy.

Passing on wealth

It can be challenging to strike a balance between enjoying your wealth now and setting money aside for your loved ones.

When it comes to legacy, your first consideration might be securing the financial future of your children and other family members. This might include support for your children’s education, a helping hand onto the housing ladder or enabling them to follow career paths that are not wholly focused on financial gain.

You may also want to use your wealth for other causes you care about.

What's important is that any plan must be flexible enough to deal with changing priorities but solid enough to withstand future shocks.

Planning for a time when you’re no longer around may seem daunting. It doesn’t have to be. All it takes is an open conversation. You’ll have questions, and together we can find the answers. The earlier you start planning, the earlier you’ll be ready.


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The price and value of investments and income derived from them can go down as well as up. You may not get back the amount originally invested.

UBS does not provide tax or legal advice. You should consult your independent tax/legal advisor for specific advice before entering into or refraining from entering into any services or investments.