Estate Planning

 Preserving Wealth, Securing Legacies

With over two decades of experience in estate and wealth planning, Horizon Associates provides bespoke solutions that go beyond traditional legal and financial strategies. We bridge the gap between legal advisors, financial planners, and will writers, offering a holistic approach to estate structuring, wealth preservation, and generational planning.

A Modern Approach to Estate Planning

Estate planning is more than just drafting a will—it’s about future-proofing your wealth, ensuring assets pass efficiently to heirs, and minimising potential legal and tax burdens. At Horizon Associates, we help clients navigate the complexities of wealth succession, addressing key concerns such as:

  • Access to assets when heirs need them most.

  • Avoiding financial burdens on loved ones in later life.

  • Preventing inheritance disputes among family members.

  • Mitigating tax exposure and maximizing wealth efficiency.

We also incorporate palliative care planning, repatriation, and end-of-life arrangements, ensuring peace of mind for you and your family.

Tailored Solutions & Client Success

We specialise in crafting estate plans that align with your values, goals, and family dynamics. Some examples of our work include:

·      Preserving multi-jurisdictional real estate portfolios for future generations.

·      Establishing trusts for wealth protection while ensuring tax efficiency.

·      Providing structured inheritance planning to avoid disputes and delays.

·      Securing financial provisions for children and dependents, including special needs planning.

With a comprehensive fact-finding process, we help provoke thought, address risks, and anticipate future challenges, ensuring your estate plan is robust, adaptable, and future-proof.

 Transparent & Client-Focused Approach

At Horizon Associates, we believe in clear, upfront communication and transparency in fees.

Our Fee Structure:

  • ✔ Complimentary Initial Consultation – We offer a free, no-obligation consultation to assess your estate planning needs and objectives.

  • ✔ Tailored Pricing – Fees are agreed upon in advance, ensuring no unexpected costs. Our pricing reflects the complexity, jurisdiction, and bespoke nature of each plan.

  • ✔ Transparent Breakdown of Fees – After your consultation, we provide a detailed cost structure with a full explanation of arrangement fees and any ongoing charges.

  • ✔ Investment Integration – Many clients incorporate a small investment within their estate structure, where potential returns may offset ongoing charges, making estate planning cost-efficient and sustainable.

 Privacy & Confidentiality

We recognise the sensitive nature of estate planning and operate with strict confidentiality protocols. We never share client information without explicit permission and enter into comprehensive non-disclosure agreements (NDAs) for your protection and peace of mind.

Ongoing Support & Future-Proofing Your Plan

Estate planning is not a one-time event—it requires regular reviews and adjustments. At Horizon Associates, we offer:

✔ Quarterly check-ins to ensure your estate plan remains relevant and effective.
✔ Ongoing strategy refinement in response to changes in tax laws, regulations, and family dynamics.
✔ Proactive monitoring of investments and wealth structures to optimize outcomes.

Need to know more. What Are My Options?

A Commitment to Your Legacy

At Horizon Associates, we understand that estate planning is about more than just numbers—it’s about protecting what matters most. Whether you’re planning for future generations or navigating complex family dynamics, we’re here with the expertise and discretion you need.

Let us help you explore your options and create a clear, secure path forward for your legacy.

▶️✒️ REACH OUT NOW 🛎️ Let’s talk about what’s possible.

Legal & Advisory Disclaimer

Horizon Associates is not a tax advisory firm. However, we collaborate with some of the world’s leading tax and legal experts, integrating their insights into our estate planning solutions. We strongly recommend seeking specialised tax and legal advice alongside our services to ensure full compliance with current legislation.

"Passing 3 Generations"

The age-old proverb, "Wealth does not pass three generations," or its Western counterpart, "shirtsleeves to shirtsleeves in three generations," reflects a historical pattern observed across cultures: the difficulty of maintaining wealth beyond the third generation. While this adage underscores the challenges of preserving financial legacy, it does not dictate an inevitable outcome. With strategic inheritance and estate planning, families can break this cycle of generational wealth loss.

Horizon Associates believes that thoughtful planning and proactive measures are key to defying this so-called curse. Our team specialises in creating tailored solutions that not only protect your assets but also empower your heirs with the knowledge and tools necessary for sustainable wealth management. By implementing comprehensive estate planning strategies, we help families navigate the intricacies of wealth transfer and ensure that their legacy transcends generations.

With our expertise, you can secure a future where your descendants inherit more than just wealth; they inherit a lasting legacy fortified by strategic planning and foresight. Let us guide you in rewriting your family's financial story and building a prosperous future that endures for generations to come.

THE VALUE OF INVESTMENTS AND THE INCOME THEY GENERATE CAN FALL AS WELL AS RISE OVER TIME. IT IS IMPORTANT TO NOTE THAT YOU MAY GET BACK LESS THAN YOU ORIGINALLY INVESTED. TAX TREATMENT CAN VARY ACCORDING TO INDIVIDUAL CIRCUMSTANCES AND IS SUBJECT TO CHANGE WITHOUT NOTICE.