Expert Family Investment Company Advice
At Vault Private Client, we advise on creating a Family Investment Company UK (FIC) as a sophisticated solution for inheritance tax planning and long-term wealth management. A fic company is an effective way to transfer wealth to the next generation while retaining controlling rights over how assets are managed.
Compared to a traditional trust or a limited company, an FIC is often more flexible and tax efficient. With corporation tax rates generally lower than personal income and capital gains tax, holding investments inside an FIC allows wealth to grow while keeping it outside your personal estate. This can significantly reduce inheritance tax exposure while supporting succession planning goals.
We provide clear advice on family investment company vs limited company structures, helping you understand which option best fits your circumstances and long-term objectives.
How FICs Help You Protect and Grow Wealth
For families seeking to pass wealth to children or grandchildren, an FIC company offers advantages that other structures cannot. It allows you to set up a family framework where control is retained, but ownership is transferred.
Key benefits include:
- Ability to transfer assets into the FIC with no immediate inheritance tax charge, beyond the nil rate band.
- Flexibility to design bespoke classes of shares, such as growth shares for family members with no voting rights, while parents keep control shares.
- Asset protection by separating ownership and management, safeguarding wealth for future generations.
- Tax-advantageous growth, with income and capital gains taxed at corporation rates instead of higher personal rates.
- Use of potentially exempt transfers and other planning tools to minimise exposure to inheritance tax.
- A strong platform for succession planning, allowing you to decide how wealth is distributed and ensuring family stability in the long term.
Whether you are comparing a family investment company vs limited company, planning to set up a family investment company, or exploring ways to hold investments more efficiently, our team will guide you through the process from structure to ongoing compliance.
THE BEST IN THE BUSINESS.
Our expert solicitors and advisors work with high-net-worth families to design and manage tailored Family Investment Company structures. By combining deep legal expertise with practical financial planning, we ensure your FIC supports wealth preservation, tax efficiency, and long-term family goals.
Russell Kaminski
Partner and Head of Private Client
Lucy Cresswell
Associate
Alison Rocca
Partner
Jason Stanley
Partner
Holly Greensmith
Solicitor
Matt Fleetwood
Group Chief Executive & Founder
Mark Dawson
Group Managing Director
Amanda McAlister
Head of Group Consumer Brands
Because we are here to help you.
Take control of your future wealth planning today. Speak to our team about how a family investment company could secure your family’s long-term financial stability.
"Many thanks to yourself and Russell for last week ### found he had a lot of confidence with you both and your expertise in handling our situation so we are happy to proceed with the work for us both.”
PROBATE CLIENT
