At UBS, we understand you want to preserve your wealth and pass it on to others. Your wealth also reflects important life experiences, values and principles at the heart of your achievement.

We bring highly experienced knowledge and skill to help your family flourish and create a meaningful legacy.

Transferring wealth tax-efficiently

For families with substantial wealth, having an experienced team to help you pass your wealth to others tax efficiently can make all the difference.

Make decisions with greater confidence. We’ll help you gain a clear understanding about how best to structure and transition your wealth to others.

Areas of specialization include:

  • Estate planning strategies
  • Income and transfer tax planning
  • Wealth preservation strategies
  • Cash flow and liquidity planning

Align trusts with your long-term vision. We can help you think through various trust strategies to determine what is most appropriate.

Areas of specialization include:

  • Trust needs assessment
  • Trust strategy modeling
  • Flexible trust structures for maturing beneficiaries and changing circumstances
  • Trust administration
  • Investment management of trust assets

Plan well for selling or transitioning your business. We’ll guide you through careful planning to maximize value, mitigate family dynamics and ensure future success.

Areas of specialization include:

  • Pre- and post-sale liquidity strategies
  • Concentration risk
  • Access to UBS Investment Bank and middle market banks
  • Family office design and governance
  • Rising gen education and engagement

Client story: A strategy to preserve wealth

Situation:

In preparing for the sale of a software company, the owners understood the importance of estate planning to remove assets from their taxable estate in advance of the sale. They also wanted to transfer wealth to their children and grandchildren tax efficiently while maintaining their current lifestyle.

Insights:

With their attorneys, the owners were considering various trust strategies, including legacy trusts and grantor retained annuity trusts (GRATs). To evaluate how best to fund them, specialists from UBS Family Office Solutions built a custom illustration showing the different potential tax impact of each based on various possible business valuations. This analysis revealed that the GRAT strategy would leave the owners short of their goal to maintain $35 million in their portfolio.

Solution:

After several discussions with their Private Wealth Advisor and specialists, the owners decided to forego the GRAT and fund a legacy trust as presented in one of the scenarios that provided them with their desired after-tax personal assets.

The owners are continuing to prepare for the sale, looking at various ways they can maximize valuation of the company they started nearly 30 years ago.

Scenarios do not depict actual clients, but are typical situations of how UBS and its Private Wealth Advisors can improve the financial lives of UBS clients.

Why UBS

Creating lasting wealth requires a firm to stand the test of time

50 countries

local presence for global business and lifestyle needs

$5.9 trn

invested assets,1 demonstrated financial strength for ongoing stability

160 years

consistent relationships over generations

5+

specialized knowledge centers,2 in-depth wealth management

1 UBS Group invested assets as of June 30, 2024.
2 Including: Advanced planning, Family Advisory and Philanthropy Services, Family Office Solutions, Portfolio Advisory, OneBank Solutions

Let’s talk about how we can help craft a plan to transfer your wealth

Mature couple sitting on Adirondack chairs

Neither UBS Financial Services Inc. nor its employees (including its Financial Advisors) provide tax or legal advice. You should consult with your legal counsel and/or your accountant or tax professional regarding the legal or tax implications of a particular suggestion, strategy or investment, including any estate planning strategies, before you invest or implement.

Institutional investment banking services are provided by UBS Securities LLC, a subsidiary of UBS Group AG. Member FINRA/SIPC.

A grantor retained annuity trust (GRAT) is an irrevocable trust designed to transfer future appreciation on an asset with little or no gift tax cost.

Private Wealth Management is a division within UBS Financial Services Inc., which is a subsidiary of UBS Group AG.

UBS Optimus Foundation is a global network of separately organized and regulated tax-exempt charitable organizations founded and managed by UBS that engage in a broad range of charitable and philanthropic activities around the world.

Approval code: 20240905-3833878 Expiry: 9/5/2025