International wealth planning : holding, trust and fiduciary
We structure and organize family and business assets to protect wealth, plan for succession, and operate internationally with banking and compliance services. Boutique approach, confidential and fully documented.
Protection and order: segregated assets, clear rules, and continuity
Frictionless succession: family planning and estate governance
Defensible structures: documentation, fiscal consistency and banking
What does a well-designed asset structure solve?
Una buena estructura patrimonial no es “para pagar menos impuestos”. Es para evitar problemas y ganar control: proteger, ordenar, planificar y sostener banca/operación en el tiempo.
Protección de activos y riesgos
Separate personal assets from operational or legal risks.
Estate planning
Avoid conflicts, accelerate transitions, and respect family rules.
Governance and asset control
Define who decides, how it is distributed, and what happens in critical scenarios.
Banking and operational structure
Improve document organization for investment or operating accounts.
Typical tools / structures
1
Trust (depending on applicable jurisdiction)
What it is used for:
Separation of assets, rules of administration and succession, and functional protection (according to the legal framework).
It is usually convenient when:
structured family continuity is desired
There is risk/volatility or heirs with diverse and complex situations
A more comprehensive “framework of rules” is sought
Critical point:
Selecting a jurisdiction, trustee, and rules; and ensuring tax consistency in the country of residence. Higher cost and complexity.
2
Holding company
What it is used for:
Centralize ownership of companies, investments or real estate under a single vehicle, streamline control and facilitate succession.
It is usually convenient when:
There are several companies/assets
You want a "layer" of control and order
You're looking for corporate governance and clear reporting
Planned succession with a more bankable and simpler structure.
Critical point:
Tax design based on the residence of the final beneficiary + documentation.
3
Trust (Uruguay or other jurisdictions)
Para qué se usa:
Administración de bienes con un fin específico, creando un patrimonio separado según ley aplicable. Mismo concepto que el Trust.
Suele convenir cuando:
-
buscás un esquema legal “civil” con reglas claras de adminsitación y sucesión, con protección.
-
querés separar bienes para un fin (familia, inversión, garantía, etc.)
Punto crítico:
Redacción y diseño del contrato, roles y administración real. Mayor costo y complejidad
How to choose the structure
Before choosing a holding/trust, we resolve 7 variables:
Main objective : protection / succession / investment / operation
Type of assets : companies, real estate, investments, IP, cash
Risk : operational exposure, litigation, family conflicts
Countries involved : tax residence and location of assets
Banking : need for investment/operating account and compliance profile
Government : who decides, how is it replaced, what powers exist
Transparency and reporting : what documentation do you need to keep
A heritage structure is good when it is sustainable, not when it is 'ingenious'.
How do we do it?
Step 1 — Asset diagnosis
Asset map, tax residency, family goals and risks.
Step 2 — Structure design
Selection of tools (holding/trust) and jurisdictions when applicable.
Step 3 — Government and documentation
Clear rules: control, beneficiaries, succession, powers and contingencies.
Step 4 — Implementation and banking
Constitution/contracts + compliance folder for banks and third parties.
Step 5 — Annual Maintenance
Updates, minutes/reports, compliance and adaptation to family changes.
Typical property cases
Family with companies in several countries (holding + government + succession)
Assets with real estate and cash (order + continuity)
Entrepreneur with high operational risk (separation and functional protection)
Heirs with different realities (rules, distribution, administration)
Planning for international investment (banking + structure)
Reorganization of existing structures (cleaning and coherence)
Required Documentation and Information
For company formation, banking, and KYC, we require the following information about Directors, Shareholders, and Beneficiaries:
Current economic activity and history of shareholders and beneficiaries (detailed).
Percentage of shares held by each shareholder and complete corporate organizational chart (up to UBO)
If married, full name and passport or identity document number of spouse.
Origin of the funds that the company will receive.
Full names, addresses and contact information (telephone, email).
Required documentation:
Proof of address.
Signing the provided forms.
Copy of identity document/passport.
FAQ - Frequently Asked Questions
1. ¿Qué conviene: holding, trust o fideicomiso?
Depende del objetivo (protección/sucesión/control), activos, residencia fiscal y necesidad bancaria. En el diagnóstico definimos la herramienta y el país.
2. ¿Esto es solo para familias muy grandes?
No. Se usa tanto en patrimonios medianos como grandes cuando hay empresas, riesgo operativo o necesidad de ordenar sucesión.
3. ¿Puedo hacerlo solo con una sociedad holding sin trust/fideicomiso?
En muchos casos sí. Se puede lograr buen control con estatutos, clases de acciones y acuerdos; depende del nivel de gobierno que se busque.
4. ¿Una estructura patrimonial sirve si también opero una empresa?
Sí. De hecho, uno de los usos más comunes es separar propiedad patrimonial de riesgo operativo. Algunos mezclan los riesgos operativos del negocio con el patrimonio, para postergar pagos de impuestos personales en donde son residentes fiscales, ya que en la mayoría de los países del mundo, si la empresa activa está dentro de una jurisdicción que no es considerada paraíso fiscal, entonces se postergan los impuestos hasta que no se distribuyan, a diferencia de las empresas pasivas que normalmente declaran una vez al año sus resultados y se pagan impuestos personales en el país de residencia fiscal (existen alternativas para poder igualmente postergar estas distribuciones).
5. ¿La banca influye en la estructura?
Muchísimo. El diseño documental y la coherencia suelen ser determinantes para abrir y mantener cuentas.
6. ¿Puedo empezar simple y sofisticar después?
Sí. Muchas estructuras se diseñan por etapas: primero orden y control, luego herramientas adicionales según crecimiento.
7. ¿Trabajan con Uruguay como base?
Sí. Uruguay puede ser una excelente plataforma según el caso, y offshore aplica cuando realmente agrega valor.
