Planificación patrimonial
Servicio de fiduciario profesional
Actuamos como fiduciarios, o junto a ellos, durante toda la vida del trust —llevando los registros, presentando las declaraciones y realizando las distribuciones— para que la tarea no recaiga en un familiar durante veinte años.
Glendalough, Co. Wicklow · Superbass, CC BY-SA 4.0
Para quién es
Constituyentes y familias que necesitan un fiduciario independiente
Qué hace
- Nombramientos como fiduciario único o cofiduciario
- Reunión anual de fiduciarios y decisiones en acta
- Presentaciones en el registro de trusts y coordinación de las declaraciones fiscales
- Continuidad: el servicio no dimite cuando una persona se jubila
El producto en detalle
A trust written today may still be running in 2060. Somebody has to keep its records, hold its annual meeting, minute its decisions, coordinate its filings and its returns, and make its distributions — and in most family arrangements that somebody is a relative who agreed to be a trustee at a signing and did not fully understand what they were taking on.
The consequences show up years later: no minutes for a decade of decisions, a registration never filed, a distribution made without a resolution, and a trustee who has become personally exposed for doing a favour. None of it was malicious and all of it was predictable.
This service does the job properly. We act as sole trustee or alongside the family’s own trustees, hold at least one minuted meeting a year, keep the records, coordinate the trust register filings and the tax returns, and make distributions on a resolution. The fee is a fixed annual amount with transaction fees on top, so the cost is knowable rather than a surprise.
The feature that matters most is the least visible: continuity. The service does not resign because an individual retires, moves firm or dies. A trust that has to find a new trustee every decade spends its life in transition, and every transition is a point at which records get lost.
Documentación
La documentación de producto se facilita a los intermediarios acreditados. Pídala a su suscriptor o solicítela mediante el formulario de consulta.
- Descripción del servicioA petición
- Tarifa de honorariosA petición
- Escritura de designaciónA petición
Cómo funciona
Qué ocurre, en orden
Desde la primera consulta hasta el momento en que la cobertura, el contrato o la línea queda en vigor.
Appointment by deed
As sole trustee, or as co-trustee alongside the family’s own. The deed of appointment records which.
Records and registrations are brought up to date
Including anything the previous trustees did not complete. On an existing trust this is usually the first substantive piece of work.
An annual trustee meeting, minuted
At least one a year, with decisions recorded. Minutes are what makes a discretionary decision defensible later.
Filings and returns coordinated
Trust register filings and the trust’s tax returns, coordinated with the trust’s own advisers.
Distributions on a resolution
Considered, minuted, and paid — in that order.
Las cifras
Un ejemplo resuelto
Cálculos ilustrativos, para que la forma del producto se vea en lugar de describirse. Nada de lo que aquí figura es una oferta ni una proyección.
A year of trusteeship on a £600,000 trust
What the service actually does in a year. The fee basis is fixed annual plus transaction fees; the figures here are illustrative.
- Trust fund
- £600,000
- Nombramiento
- Co-trustee, alongside two family trustees
- Trustee meetings held and minuted
- 1
- Trust register position reviewed and filed
- Yes
- Tax return coordinated with the trust’s adviser
- Yes
- Distributions considered and resolved
- 2
- Illustrative fixed annual fee
- £1,850
- Illustrative transaction fees for the year
- £420
- Total illustrative cost, as a share of the fund
- 0.38%
Illustrative. Actual fees are set out in the fee schedule and depend on the trust, the assets and the number of transactions. The comparison worth making is not with zero — a family trustee is unpaid — but with what an unminuted decade costs to unpick.
Where the year’s work goes
An illustrative allocation of the fixed annual fee on the trust above.
Illustrative fixed annual fee
£1,850
- Records, register and filings£740 · 40%The part families most often leave undone
- Annual meeting and minutes£555 · 30%
- Tax return coordination£370 · 20%
- Beneficiary and adviser correspondence£185 · 10%
Ver estas cifras en una tabla
| Importe | Proporción | |
|---|---|---|
| Records, register and filings — The part families most often leave undone | £740 | 40.0% |
| Annual meeting and minutes | £555 | 30.0% |
| Tax return coordination | £370 | 20.0% |
| Beneficiary and adviser correspondence | £185 | 10.0% |
| Illustrative fixed annual fee | £1,850 | 100% |
Idoneidad
Dónde encaja Servicio de fiduciario profesional
Los casos que resuelve, los que no, y lo que un suscriptor necesita antes de tarificar.
Es la respuesta adecuada cuando
- Trusts expected to run for decades, where continuity matters.
- Families with no willing or suitable trustee, or one who wants support.
- Existing trusts whose records and filings have fallen behind.
Conviene mirar otra cosa cuando
- A short-lived arrangement about to be wound up.
- Families who want full control of every decision — a co-trustee appointment shares it by design.
Lo que necesitamos para tarificar
- 1.The trust deed and any amending deeds.
- 2.The current trustees, the assets and the beneficiary details.
- 3.The registration and filing history, including anything outstanding.
Preguntas
Lo que los corredores nos preguntan sobre este producto
Sole trustee or co-trustee?
Both are offered. Co-trustee keeps the family involved in decisions and is the common choice; sole trustee suits a trust with no suitable family trustee at all.
What happens when the person handling our trust leaves?
Nothing, from the trust’s point of view. The appointment is to the service, not to an individual, which is the reason continuity is listed as a feature rather than assumed.
Can you take on a trust that is behind on its filings?
Yes, and it is a common reason for appointment. Bringing the record up to date is the first piece of work, and the fee schedule prices it separately from the ongoing service.
Solicitar información
Consúltenos sobre Servicio de fiduciario profesional
El formulario llega a un suscriptor en Dublín. Si es intermediario, indíquelo y lo dirigiremos a la mesa de corredores.