Decades of financial services experience has led HCG to focus on building a robust insurance platform for clients, including domestic and international services.
We excel at providing comprehensive estate planning and estate advisory services for HNW and UHNW families in the United States and the United Kingdom. From irrevocable life insurance trusts (ILIT) which may provide cash for heirs to settle the estate, to complex trusts - estates and families benefit from our decades of hands on experience within the family office, nonprofit, public policy and financial worlds.
A trust is a fiduciary arrangement that allows a third party, or trustee, to hold assets on behalf of a beneficiary or beneficiaries. Trusts can be arranged in many ways and can specify exactly how and when the assets pass to the beneficiaries. Since trusts usually avoid probate, your beneficiaries may gain access to these assets more quickly than they might to assets that are transferred using a will. Additionally, if it is an irrevocable trust, it may not be considered part of the taxable estate, so fewer taxes may be due upon your death. Assets in a trust may also be able to pass outside of probate, saving time, court fees, and potentially reducing estate taxes as well.