01Protection
Asset Protection & Insurance
The cover behind the assets you would struggle to replace, arranged around how you actually hold and use them.
See what this covers in Asset Protection & InsuranceGeldart Wealth takes a holistic approach that truly aligns to you, working with insurance, tax, structuring and investment specialists.One relationship to ensure every decision reflects the whole picture.
Start a conversationInsurance / Tax / Structuring / Investment
01
Why Geldart Wealth?
Advice built around your life
Built to last, not a product to sell.
We bring together the disciplines that matter once wealth becomes complex: asset protection and insurance and its interaction with cross-border structuring, tax, investment and succession.
Many people in this position already have capable advisers. What they rarely have is the whole picture, and the whole picture is where the opportunity is to truly protect what you have. We understand it, we keep it current, and we stay accountable for it.
02
Why clients choose us
Six things you can hold us to.
- 01
One relationship, not five
You deal with the same person whatever the question. The specialists sit behind us, and coordinating them is our job rather than yours. Nobody has to be told the same story twice.
- 02
The whole picture, kept current
We hold one view of what you own, where it sits and how it is held, including the arrangements that were already in place before we arrived. It gets reviewed on a schedule, not only when something goes wrong.
- 03
The recommendation comes first
We work out what the position actually needs before anyone talks about a product. Where the right answer is to leave something exactly as it is, that is the answer you get.
- 04
Accountable when it counts
Advice is easy to give when nothing is happening. We stay on a claim, a deadline or a dispute from first notification through to resolution, and we do not hand you back to a call centre at the point it matters.
- 05
Built for people, not just paper
Plans fail on people far more often than they fail on documentation.We prepare those people before they have to.
- 06
Discreet by default
Nothing about your position leaves the small group who need to see it. That includes what we say publicly about who we act for, which is nothing.
03
What we bring together
One relationship.
With the full picture.
02Structure
Cross-Border Structuring
Holdings, entities and family arrangements coordinated across every jurisdiction that has a claim on them.
See what this covers in Cross-Border Structuring03Legacy
Succession & Estate Planning
Wills, trusts, governance and business succession, designed for how a family actually intends to hand things on.
See what this covers in Succession & Estate Planning03
In detail
What each area actually involves.
Very few private clients are underinsured because they chose badly. They are underinsured because cover was arranged one asset at a time, years apart, by people who never saw the rest. We start from a single schedule of everything you own, then build the protection around it.
What this covers
- High value homes, second homes and let property, insured on true rebuild cost rather than market value
- Vehicle collections, classics and daily drivers held on one agreed-value arrangement
- Art, jewellery, watches and collections, valued and revalued on a schedule that keeps pace with the market
- Yachts, aircraft and the liabilities that travel with them
- Life, critical illness and income protection sized against the liabilities they actually have to clear
- Personal liability, cyber, travel and family security exposures
- Directors and officers, key person and shareholder protection where personal and business risk overlap
When people come to us
- A renewal that quietly repriced, or a sum insured that has not moved in years
- A purchase, a renovation or a new asset the existing policy was never written for
- A claim that exposed a gap nobody had looked at
- Time spent abroad, or assets held in more than one country
How we work
One schedule, one adviser, and a single renewal conversation wherever the policies allow it. Sums insured get tested every year rather than only when a claim forces the question, and we stay on the claim from first notification through to settlement.
Wealth rarely sits in one country any more. Assets, residence, income and family can each be somewhere different, and every jurisdiction reads the same arrangement in its own way. The work is making sure they all read it the same, before a decision is made rather than after.
What this covers
- Residence and domicile planning around a move into, out of, or through jurisdictions
- Holding structures, family investment companies and partnership arrangements
- Trusts and foundations, including the reporting each relevant country attaches to them
- Income tax, capital gains and inheritance tax exposure mapped across jurisdictions before decisions are taken
- Investment structuring and asset location, so returns are not eroded by where they happen to be held
- Property ownership, including non-resident holdings and their reporting obligations
- Banking, custody and administration, so the structure is workable in practice and not only elegant on paper
When people come to us
- Relocating, or spending materially more time in another country
- A liquidity event, an exit or a share sale
- Inheriting assets that sit outside your home jurisdiction
- A structure set up years ago under rules that have since changed
How we work
We map the whole position first, including what is already in place, then bring tax, legal and investment specialists in the right order. Nothing gets rebuilt for its own sake, and you hear a single recommendation rather than four partial ones.
A plan that only works on paper tends to fail at the worst possible moment. Succession is as much about preparing people as it is about preparing documents, and both halves have to hold at the same time.
What this covers
- Wills, letters of wishes and lasting powers of attorney, kept current across every jurisdiction involved
- Trusts, family investment companies and lifetime gifting, weighed against the inheritance tax position they are meant to solve
- Business succession, shareholder agreements and the funding that has to sit behind them
- Business and agricultural relief positions reviewed against the rules as they stand today
- Liquidity planning, so an estate is never forced to sell the asset it was built around
- Family governance: who decides what, when, and on what information
- Preparing the next generation for the responsibility before they inherit it
When people come to us
- A business approaching a sale or a handover
- A marriage, a divorce, or a first grandchild
- A will written before the current shape of the family or the assets
- Illness, or a first serious conversation about capacity
How we work
We write the plan so the people who inherit it can follow it without us in the room. Then we review it against the family and against the rules, because both keep moving.
04
A private conversation
We protect and represent what matters to you
That starts by seeing the full picture.
- 01
A conversation
No preparation needed and nothing to bring. You describe the position as it stands; we ask the questions that tend to matter.
- 02
The whole picture
We map what you hold, where it sits and how it is held, including the cover, structures and documents already in place.
- 03
One recommendation
A single set of recommendations in priority order, with the specialists we would bring in, what each is for, and what can safely wait.
Whether you are preparing for an exit, planning a move, or establishing the next generation's role, you need a team who are truly in your corner. The first conversation commits you to nothing.