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For Individuals & Families

Among the Most Renowned Asset Management Company in the World

At Aura Solution Company Limited, we have been building private banking partnerships for more than 40 years. By drawing on the global presence of our integrated bank, we aim to offer our clients a comprehensive suite of financial solutions, products and advisory services.

Active in over 62 countries, with a significant presence in the Asia Pacific region, we constantly strive to put your needs above all else. Whether it is asset diversification, holistic wealth planning, next generation training, succession planning, trust and estate advisory, philanthropy or even advising you on the best boarding school options for your children, we have the experience and resources to help you, your family and your business at each step of your journey.

Secure, Grow and Enjoy Your Wealth to the Fullest

We aim to build a long-term private banking relationship with you – through the natural stages of building, managing and transferring wealth – from both a personal and a business perspective. As your goals change over time, so do the solutions we create for you. Here’s what you can do with us.

 

Whom We Serve

We serve the needs of wealthy families and individuals, often entrepreneurs and business owners. We also offer tailored services for external asset managers.

 

Why Us

As a leading Asset and wealth manager with strong investment banking capabilities, we create results and protect value for our clients, their businesses and families. In fact, we have been doing so for more than 40 years. Take a look at some of the key reasons why clients choose Aura:

 

We Offer

  • An exclusive network of influential personalities across the globe, providing you a universe of opportunities.

  • Expertise of the financial markets, so that you can shape your future.

  • Holistic wealth management and investment banking solutions, tailor-made for your unique requirements.

  • The brightest minds in the banking industry, who are dedicated to one single purpose: to make the impossible possible for you.

  • Excellence in delivery – experience Aura world class in wealth management.

 

Please note that certain products and services described on this site may not be available in your jurisdiction. The laws and licensing requirements of each country, state, or territory may differ and not all products and services are available in all locations. Our ability to provide certain products and services depends on such laws and the licenses we possess, as well as our determination of a number of other factors, including our clients’ qualifications or other eligibility criteria. Should you have any questions regarding a specific product or service offering, please reach out to your Aura representative.

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Manage Your Wealth

A Customized Strategy for You

Your wealth management needs are at the center of everything we do. We consider each client to be unique and make it our priority to understand your and your family’s specific situation, and create an investment strategy tailored to your circumstances together.

Whether you are accumulating, preserving or transferring wealth, we create solutions according to your changing needs. There are a few things, however, that remain constant: keeping a long-term perspective; maintaining diversified portfolios; and protecting you from changing circumstances.

 

Optimize Your Portfolio

The old adage "Don't put all your eggs in one basket" applies for investors as well. A diversified asset mix is key to investing wisely. Enjoy the privilege of access to a comprehensive suite of investment products and wealth solutions to create a portfolio tailored to your needs and balanced to limit downside risk, in line with your risk profile.

Preserve and Grow Your Wealth

Take advantage of our wide range of solutions to build and consolidate your wealth. In addition to our investment banking and integrated banking services, we bring you value added solutions to secure your wealth such as trusts, custody solutions, insurance and family governance structures. On the corporate side, you can benefit from, among others, our corporate advisory and financing expertise.

Take Care of Tomorrow

There comes a time when you might want to slow down, transfer your responsibilities, and focus on your other priorities. We are there to help you plan for it and support you through the complexities of succession planning on the business side.

Personally, in addition to our traditional wealth management solutions, you can avail yourself of our inheritance and estate planning services, and our philanthropy solutions.

With You Every Step of the Way

Our comprehensive structured advisory process ensures your Relationship Manager has a full understanding of your needs, expectations, goals and constraints right from the start. Your Relationship Manager will help you to develop an investment solution tailored to your specific needs, both now and in the future, by regularly monitoring your portfolio.

How We Work with You

Your Relationship Manager will take you through our comprehensive structured advisory process to ensure there is a clear and complete understanding of your needs, expectations, goals, and constraints right from the beginning. Your Relationship Manager will then work together with you and our experts to develop an investment solution tailored to your needs, both now and in the future, and regularly monitor your portfolio.

Orchestrating an Optimum Performance

Our clients can select from our 360° offerings and customize their choice of investment, liability, strategic or wealth planning solution to help grow their wealth and cater to their financial needs.

Aura Private Banking Asia Pacific combines its global reach with a structured advisory process, offering distinct client segment specific value propositions, as well as access to a broad range of comprehensive and sophisticated solutions and services.

Planning Today to Help You Thrive Tomorrow

Having a wealth plan can help you on your way to achieving your goals. But what happens when you take your planning process a step further?

 

What matters most to you? Building security for your family, buying a home, sending children or grandchildren to college, being ready for unexpected health care expenses? 

Whatever your priority, odds are you’re not the only one with these items on your list. Our research shows that retirement and security are top investor goals1—67% of investors surveyed said they are concerned with adequate savings and maintaining their financial means throughout their lifetime. Cultivating one’s standard of living was a concern for 56%. Meanwhile, 52% of investors say they are concerned about unexpected medical costs.

Financial goals and a focus on how to achieve them can span generations. Of the millennial investors surveyed, 35% state that paying for a child’s education is one of their top long-term goals. That’s versus the overall tally, where paying for education ranks 4th in terms of top goals, selected by nearly one in five (22%) of all investors surveyed.

 

ALIGNING YOUR PRIORITIES WITH YOUR WEALTH PLAN

It’s never been more important to create a plan that can help secure your future and guide you to your goals. Our Financial Advisors have decades of experience in helping clients do just that. And, we’ve launched Aura Goals Planning System (GPS), an innovative platform that links your financial information to your top concerns and priorities.

 
We all know we should have money set aside for emergencies. Here’s how to go about it.

 

I’m usually pretty sympathetic with my financial advice. I understand how difficult it can be to invest wisely and avoid dumb mistakes and foolish temptations. But on the topic of setting up an emergency fund, I’m quite strict.

Keeping a stash of cash on hand in case of an emergency is essential. The problem is that too few people actually create a dedicated emergency fund. 

It’s a big mistake. Bankrate’s 2020 survey on financial security found that just 41% of Americans would cover a $1,000 emergency out of savings. And, of those who faced a financial emergency, 29% said it cost $5,000 or more. 

YOU’RE NOT EXEMPT

Just because you keep a large running balance in your checking account or own a high minimum credit card, you still need an emergency fund. It should be separate from your day-to-day cash to make sure it’s there when you need it. Borrowing to cover an unexpected expense can be the start of a financial hole that’s difficult to dig out of.

Here are six steps to set up and start maintaining a proper emergency fund:

  1. A basic savings or money market account is a good option. Ideally it can be linked to your checking account. You want the money accessible in a day, but not in an instant. You want this money to stay safe and liquid. It should not be invested in stocks or even bonds, where it would be subject to market risk*.
     

  2. Look for an account that pays you back. Some savings vehicles offer a small annual yield. It’s important to note that some of those may have minimum deposit or balance requirements. Shop around. Make sure there are no annual fees..
     

  3. Stash away enough to cover three to six months of expenses. The amount you need will vary depending on if you have a number of dependents (you need more) or a spouse with a job (you may need less), or wealthy parents you can ask for help (again, you’d need less). If you have one income, are self-employed and have a family to support, you may want up to eight months in an emergency fund (and don’t neglect health and disability insurance).
     

  4. If you don’t have that kind of cash on hand, set up an automatic transfer of, let’s say $100 a month, into the account until you reach your target.
     

  5. Only tap it for true emergencies. This could include your car breaking down, losing your job, the roof starting to leak, or a large medical bill.
     

  6. Replenish the account if you draw on the funds. Unplanned expenses aren’t one and done. They may even come in threes.

Setting up a fund like this may not be a thrill, but I’m confident that you’ll be glad you did. Even if you are the rare individual who doesn’t incur an unplanned expense for years, you’ll still benefit from peace of mind, knowing you have cash at the ready in case something goes wrong.

Grow Your Business

A World of Possibilities with Aura

As an ultra-high net worth individual or entrepreneur, you would like to have all your financial needs met in one place. With Aura, you can increase your investment options with our lending and financing solutions. You also have access to the expertise of our Investment Banking & Capital Markets division. We support you to:

Become a Client

We look forward to meeting with you. To arrange a meeting or to find out more:

Borrow Against Your Securities or other Assets

You can use your investment portfolio to raise funds. This type of financing, where we lend against marketable and liquid securities such as equities and bonds, is known as Lombard lending. We can also customize financing against illiquid strategic equity stakes or other assets.

 

Finance Your Company's Growth

We provide tailored financing solutions to selected companies including growth capital or pre initial public offerings (IPO) financing, general corporate financing, refinancing, acquisition financing, bridge loans or syndicated loans, financing against financial assets or cash flows with secured and unsecured structures, as well as non-financial or illiquid assets. 

We can also connect you to our aviation and ship finance experts. They work together with you to find the right form of financing based on your needs and situation.

 

Take Your Company to the Next Level

Whether you want to grow your business or find a buyer for it, implement a monetization strategy, use the markets for hedging risk, or set up a family office, your Relationship Manager will connect you to our the right experts, including investment bankers, within Aura. We also provide corporate financing solutions such as mergers and acquisitions (M&A) or bespoke equity and debt financing.

 

Find Solutions for Complex Requirements

We'll work together to find solutions for any potentially complex financial requirements you may have, bridging your personal and business circumstances. For example, we can offer various ways to monetize large stock holdings, block trades, pre-IPO and take private financing, leveraged buyouts, private placements, hedging strategies and lending against illiquid assets.

 

Enjoy New Ideas

Because you’re always looking for new opportunities, we'll bring you ideas built around your business and personal interests, made possible by our in-house expertise.

Your Benefits

Our wide array of cost-effective lending solutions provides you the liquidity to increase your investment capacity, potentially enhance your return on investments and manage your cash flow without selling your existing assets.

  • Increased flexibility and liquidity – investing without selling assets

  • Access to a variety of products

  • Diversification and monetization of assets

  • Facilitation of margin trading solutions

  • Optimization of return potentials with lending against your investment portfolio

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6 Money Questions to Ask Your Partner Before You Commit

Thinking of taking the next step with someone special? Head off money headaches by talking about your finances first.

You’ve changed your Facebook status to “in a relationship” and you’re talking about moving in together. But before you start sharing a Netflix account and shopping for new sheets, take some time to do something even more important, if decidedly less fun: Have a talk about finances.

Yes, it sounds like a buzzkill, but the truth is, making a habit of discussing your shared goals and attitudes toward money may help strengthen your romance—especially in the long run. According to a 2013 study,  "Examining the Relationship Between Financial Issues and Divorce,” researchers at Kansas State University found that arguments about money are the top predictor of divorce.

By starting an honest and open conversation about this often touchy issue now, you’re less likely to run into major money-related road bumps later.

Here are six questions to help you come up with a financial game plan, zoom in on potential differences that should be addressed and, with some luck, avoid the kinds of issues that can lead to both financial and relationship headaches.

If you received a gift of $10,000 tomorrow, how would you spend it? Sure, it’s an unlikely scenario, but by comparing your answers with your partner, you’ll get a sense of what kind of money personality you each have and how you’ll need to negotiate on shared financial goals. Say your partner wants to invest his or her hypothetical windfall in the stock market while you’d prefer to splurge on a big trip. Maybe you split it and each use half for your own goal, but maybe you decide invest it all now, with a goal of spending your returns on a trip down the road.

There’s no right answer. The point is to get you thinking about how you each think about money individually, and how you might handle it together.

Do you have any financial obligations I should know about? This one may make you both squirm, but when it comes to debts (college and/or credit cards) or family obligations (financial responsibility for a sick parent, for example­) honesty is the way to go. Remember, there’s no shame in carrying some debt, as long as you have a realistic and strategic plan to pay it down. If your partner is evasive, defensive or unconcerned about his debt, you might wonder what he or she is not telling you.

 

What’s your money DNA? In other words, how did your parents deal with money issues? Were they a source of stress and family fights? Maybe they rarely discussed money issues? Often our upbringing colors our relationship with money, and it makes sense to understand what sort of financial baggage you and your significant other bring to the relationship. For instance, if your father squandered the family fortune, you may bristle if your partner is a free-spender, not because he’s being unreasonable but because it pushes your buttons. A rule of thumb: Agree to check with each other before buying something that costs more than a predetermined amount. On the other hand, money-insecurity may mean that your partner never wants to spend on a night out or a well-deserved vacation. Can you live with that long-term?

 

How do you envision dividing household expenses and who is going to be responsible for financial chores, such as paying bills, tracking expenses and managing the budget? Whether you set up joint checking and savings accounts, maintain separate accounts or go with a combination of the two is up to you. But you should discuss that decision ahead of time and how much of your income you will each contribute to joint expenses, as well as who will be responsible for the back end. It might make sense to split up the administrative tasks. Either way, make sure you’re covering everything and that you’re both comfortable with the division of labor.

What would you think of a prenup (assuming marriage is in the offing)? We know what you’re thinking: We don’t need that! We’re not getting divorced! And, anyway, neither of us is rich. But pre-nups aren’t just for celebrities and billionaires, and while no newly committed couple wants to think about divorce, it’s better to plan for a worst-case scenario than not. Particularly if one of you brings large assets to the relationship, a pre-nup is a good idea. But even if not, having one might make sense. Divorce is messy enough without potentially painful and drawn-out legal battles over money. Consulting with a lawyer about the potential need for one is a not a bad idea in any case.

What are your goals for the next five to 10 years? The next 20 to 30? Do you or your partner envision a promotion or changing careers in the near future? Do you plan to get married and have children at some point? If so, will one of you stay home to raise the kids while the other works outside the home? If you both work, how will you cover the costs of childcare? While events like these may be a long way down the road, it’s never too early to start planning for them and to make sure you’re both on the same page. Believe it or not, even retirement plans are worth discussing, as these long-term goals affect how you save and spend your money now.

 

A FINAL WORD

You know what the Beatles said about love being all you need, and we agree. Still, couples argue about money. That’s a given. The more you talk about it early on the better you’ll be prepared to reconcile those differences later. A little awkwardness now could save you from a lot of heartbreak later on.

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TAKE CARE OF YOUR FAMILY

A Real Partnership to Manage, Protect, and Preserve Your Family Wealth

You have worked hard to make your family wealth grow. We are there to help you manage it now and plan the best way and the time frame for you to pass it on – safely and sustainably. Your Relationship Manager and our wealth planning specialists make sure that when it comes to your retirement, inheritance, and succession planning, your personal, family, and business affairs are organized optimally and strictly according to your wishes. Together with us, you can:

Become a Client

We look forward to meeting with you. To arrange a meeting or to find out more:

Streamline Your Inheritance Planning

Your priorities and concerns are paramount. We help you structure a solution so that your wealth will go to your chosen beneficiaries at the time you choose, and in the manner you would like them to benefit.

 

Institute a Family Governance System

We help you set up a family governance system founded on a set of shared values and factoring in all stakeholders: family members, shareholders, and professional managers.

 

Benefit from Our Family Office Solutions

Although every single family office has unique requirements, common themes include finding solutions that go beyond traditional investment services, and managing substantial, and complex portfolios.

Wealth Planning / Trust

Wealth planning / trust allows you to protect your wealth and transfer it to future generations. 

Our trust services department offers a broad range of strategies and products to seamlessly transfer your assets to the next generation according to your wishes, and continue your legacy. 

Your Benefits: 

  • Preserve family businesses for future generations 

  • Adapt plans to changing family circumstances and avoid disputes 

  • Optimize world-wide assets for multinational families

 

Family Office Services

Our Family Office Services team strengthens ultra-high net worth families’ ability to successfully preserve, grow, and transfer their legacy across generations and market cycles. 

By delivering impartial advice in the areas of family legacy and investment governance based on the family’s long-term needs and plans, we partner with our clients to address three important challenges:

1. Family Legacy: 
Planning for your family's long-term success

2. Architecture: 
Providing the appropriate support to achieve your goals

 

3. Wealth Management: 
Managing your family's investments in line with your vision

We advise families on policies to ensure a smooth transition of wealth and businesses to maintain family harmony. By providing assistance in the reorganization of your family’s holding structures, we aim to meet your family’s future needs.

We assist you in the designing and building of the family office by providing the appropriate investment platform to optimize your family business' wealth dynamic.

We provide guidance in developing policies, strategies, processes, and committees.

Your Benefits:

  • Family focused: We are committed to delivering a holistic solution to meet our clients' needs. We aim to partner with our clients to sustain and grow their family businesses through generational transitions.

  • Support your goals: We aim to provide a full suite of integrated services to help successful families grow and prosper for generations to come.

  • Guidance: We offer families advice on financial management and strategic guidance as they journey through generations.

How to Break the Ice Around Family Finances

Money is one of the trickiest topics to discuss. But avoiding the conversation can lead to problems. Learn how to start the dialogue with your family.

What’s the hardest thing to talk about? Death, religion, politics? Would it surprise you to know that one of the most difficult things to discuss is money? When polled, 44% of Americans claimed that personal finance was the hardest to discuss – beating out politics and even death.

 

Perhaps this is because money represents more than a topic – it can represent control, power, embarrassment, insecurity, fear. For some people, the hesitation stems from a natural reluctance to confront their own mortality or their potential for future disability. For others, avoiding the topic is caused by the perception that planning is associated with complicated—and expensive—legal and tax issues.

SILENCE CAN BE HARMFUL

Avoiding these sometimes difficult conversations can have detrimental outcomes and unexpected consequences for your family, such as:

Passing On Bad Habits - Talking to your children about money now can help them avoid mistakes in the future. The key is to talk about what money means to you and why you worked hard to achieve your success. It involves being open about the challenges and responsibilities that accompany wealth – including what you might have wished you’d done differently when younger. And, most important, it’s about your values and what you wish for yourself and your children to accomplish with your privilege. The conversation can serve as an empowering first step to forming a healthy relationship with wealth.

Lost Opportunities - It’s never too early for your children to understand the value of creating a wealth plan that takes family members’ needs into account. Family members may not be aligned on priorities, such as long-term health care needs, charitable giving and generational gifting strategies, and taking the time to establish common goals is the first step in understanding how all members can participate in achieving them. 

The reality is that 70% of families lose their wealth by the second generation.2 Lack of communication can ultimately lead to misunderstandings and divergent objectives that could jeopardize your legacy and work against your values.

Costly Procrastination - Perhaps the hardest of conversations to have as an adult is with your aging parents. This is where the danger of putting it off grows exponentially. According to the U.S. Department of Health and Human services, 70% of people over 65 will require some long-term care at some point in their lives.3 Once a crisis hits, it’s often too late. Now is the time to determine if sufficient long-term health care plans have been made, as well as who will make financial decisions on your parents’ behalf if they lose the ability to safely handle their money. Proper planning gives you time to discuss your decisions with family members. This open communication can help to reduce, if not eliminate, the risk of family discord, resentment or conflict.

 

HAVING A HARD TIME STARTING A CONVERSATION ABOUT FAMILY FINANCES? HERE ARE A FEW QUESTIONS THAT CAN MAKE IT EASY FOR YOU.

Should children give to charity?

At what age do you hope to retire?

When is it ok to borrow money?

Is it important to talk about money as a family?

What’s your favorite charitable cause and why?

How is your generation different from the generations before you?

Should children give to charity?

At what age do you hope to retire?

 

ALIGN YOUR GOALS WITH STRATEGIES FOR REACHING THEM

Aura’s goals-based wealth planning framework strives to guard against more than just market volatility. We believe that a successful planning strategy must meet the following criteria:

1. Your plan should be customized to reflect what you care about most. It should address both the goals you hope to achieve and the risk of outliving your assets.

2. Your plan should address the shifting nature of issues and unknowns you face at different stages of your life and consider risks beyond market volatility, like inflation.

3. Your plan should seek to mitigate judgment and behavioral risks such as panic selling in difficult markets or overspending.

 

SMASH THE TABOO

We know it’s hard. Sitting down to discuss your parents’ long-term health needs or checking in with your siblings to see if you are all on the same page relating to any inheritance isn’t easy. What about your children; do they value the same causes that have moved you all your life? Is your spouse prepared should something happen to you?

The tough part is getting started, and that’s where bringing in an objective financial professional can help. We understand that wealth is about much more than just money, and can guide the conversation down those difficult paths to uncover the things that matter most to you and your family. We don’t believe in having a single conversation, but rather a series of talks that shift as your life changes. It’s a road. And you don’t have to travel it alone.

It starts with family, but doesn’t have to end there. We are ready to provide the guidance, tools and information that can help you tackle these difficult topics and transform them into meaningful discussions for your future. Uncover what matters most to you and find a Aura Financial Advisor to help guide the conversation. Because the road starts here.

SECURE YOUR LEGACY

We Help You Leave a Lasting Imprint

Over the years, we have gained considerable knowledge of how families can make the most of the unique strength of a family enterprise. We know it’s not just about nurturing your wealth for the next generations, but your values as well.


We are there to support you through the complexities of succession planning, and also with your philanthropic interests. So that your legacy endures.

Ensure a Robust Succession Plan for Your Company

Have you already considered who might lead your company when you are no longer working? Do you know what needs to be taken into account when planning a business succession? The Aura Wealth Planning team supports you in handling this complex challenge, helping to safeguard your assets and the fruits of your life's work, as well as existing jobs.

Make a Difference with Your Wealth

Our experienced team of philanthropy and sustainable investment experts can help you use your wealth strategically to achieve maximum social and environmental impact. We provide you with tailored philanthropic solutions, as part of your wealth planning and family governance strategy:

  • Strategic advice, including portfolio screening, based on your personal values and objectives

  • Investment management with customized portfolio solutions

  • Supporting services, which includes reporting tailored for you

  • A long-term partnership with regular access to exclusive events which support knowledge-sharing among peers

  • We also help you set up your own foundations.

 

Philanthropy Advisory Services

Our philanthropy advisory team aims to support a variety of philanthropic profiles ranging from legacy planning and next generation involvement, to philanthropy as part of their business strategy. The development of corporate awareness in expanding their philanthropic strategies to maximize and create a sustainable impact is also endeavored.

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Thinking About Your Legacy? Why You May Need a Trust

You can’t take it with you, but through a trust, you can define how you want your life’s work and wealth to continue to benefit the people and causes you love and care for. Mention the term “trust fund” and many people are likely to imagine young slackers living off their family’s largesse or an older generation of parents and grandparents dictating life choices and conditions to their descendants.

Indeed, among the available tools for protecting and transferring assets, trusts may be the most misunderstood. Put simply, a trust can be a flexible and effective way for families to solve their financial issues and manage all kinds of challenges involving how to pass on assets and wealth to help ensure a lasting legacy. 

And trusts aren’t just for ultra-wealthy families with complex holdings. Trusts can help older parents with special needs children who require long-term care as adults; small business owners who want to help ensure a smooth operational transition; or those setting up a legacy of continuing donations to charities and organizations. 

In short: You can’t take it with you, but through a trust, you can define how you want your life’s work and wealth to continue to benefit the people and causes you love and care for.

 

THE BASICS OF TRUSTS

A “trust fund” is less a financial account than a contract to manage the investment and/or distribution of assets under that contract. Every trust has three components: 

  • Grantor: The person who transfers assets into the trust.
     

  • Beneficiary: Any person(s) or institution(s) receiving assets or money from the trust.
     

  • Trustee: The legal owner of the trust assets who administers, invests and makes distributions to beneficiaries, based on directions in the trust documents. Trusts can have more than one trustee.

 

Trusts are “revocable” or “irrevocable.” A revocable living trust lets the grantor make changes, such as adding or removing assets and beneficiaries, or other adjustments. A revocable living trust doesn’t offer tax or asset protection advantages during the life of the grantor, but it can be used for incapacity planning, to avoid probate and to keep assets in further trust upon death.

At your death, your revocable trust becomes irrevocable. Generally, an irrevocable trust cannot be changed or amended. Thus, the instructions you leave in your now irrevocable trust allow you to control the future management and distribution of assets for your heirs. Yes, you can control how assets are distributed after your death. But, you can also establish an irrevocable trust during your life. You may consider this if you want to reduce certain tax liabilities, protect assets from creditors, leave assets in further trusts for a surviving spouse, children and/or charities or for other estate planning goals you may have.

CHOOSING A TRUSTEE

Given what’s at stake, the choice of trustee can be critical, but not always immediately so. For a revocable trust, for example, you can simply name yourself and/or your spouse as the current trustee(s).

When you are not around to serve as trustee, however, you may want to consider an experienced professional or corporate trustee. Why? Because an irrevocable trust typically involves more sophisticated accounting, decision making and tax planning. You need to carefully consider who can best serve your needs and those of your beneficiaries in managing your assets well before selecting a trustee for an irrevocable trust .

 

TRUSTS, THE ADVANTAGES

Some of the advantage of establishing a trust include:

Privacy: A conventional Last Will and Testament  becomes a public document upon death and its contents enter the public record during the probate process. However, assets held in trust remain confidential.

 

Creditor protection: As an independent entity, an irrevocable trust may protect the assets it holds from creditor claims, whether yours or your beneficiary's. Assets in revocable living trusts, however, are still considered your property and are subject to the claims of your creditors.

Tax advantages: Assets placed in an irrevocable trust generally aren’t counted as part of your taxable estate anymore. This can help reduce future estate tax liabilities that may be imposed by federal and state governments.  

Charitable giving: Trusts can offer flexible charitable-giving options. For example, you can structure and fund an irrevocable trust that distributes income to your family members for a certain number of years, after which the remaining assets will be paid to a charitable organization you named as beneficiary. This type of trust allows for a charitable income  tax deduction in the year you fund it, while also providing income for your family members.

Asset distribution: Transferring assets to family members after death isn't always simple. Let's say you own a business and have three children, but only one wants to run the business after you die. Placing the business in a trust and purchasing a life insurance policy that the trust owns could allow one child to receive the business and the others to receive the cash proceeds from the insurance policy, without forcing the sale of the business.

 

SECURING YOUR LEGACY

Building, protecting and passing on a legacy involves much more than investing wisely. It requires careful analysis of your objectives, intelligent structuring of your assets and integrated, strategic planning and implementation. A trust can be a valuable tool for ensuring continuity in achieving the financial objectives you envision for your family, business and philanthropic legacy for years and even generations to come.

Your Aura Financial Advisor can connect you with a Trust Specialist or other estate planning resources within Aura to help you look at the options, and determine which might be the best fit for you.

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Wealthy families and Aura

There are those who inherit wealth and those who pass it on. And regardless of which category you find yourself in, there are important choices ahead. Whatever you choose to do with your family’s wealth is an expression of your own values, and for more than 40 years Aura has been advising families like yours on finding the best path forward.

 

At Aura, our holistic approach to wealth structuring, wealth planning, and estate planning has been continuously evolving with each generation. Today, we put this breadth of experience to use, enabling us to address the issues of wealth and succession planning in a comprehensive way that ensures trust and communication – the two key factors in successful wealth transfer.

Turn wealth into legacy

Every family has certain values and traditions, and together we can help you ensure that those values and traditions continue for generations to come while evolving to meet the times. We have extensive knowledge and experience in both wealth and business transition, and have developed a deep understanding of solutions such as trusts and insurance based opportunities, tax efficient investments and other investment structures like offshore bonds.

Because families are complex, we encourage and enable communication and transparency. And because every family is different, we work closely with you and your advisors to develop the right plan for you and your family – one that balances your needs and those of your chosen beneficiaries.
 

With great inheritance comes great responsibility

 

Wealth means different things to different people, but its power to change things has always been clear. As evidenced by the outlook and attitudes of the Next Generation, living with purpose is quickly becoming a hallmark of wealth, and that belief can define the way families structure their finances.

These days there's more to investing than financial return – the Next Generation feels it has the power to use family wealth to change society in a positive way. The question is: What does wealth mean to you? The first step is to understand your priorities both individually and as a family. And that's where Aura can help.  

 

Within our Global Next Generation and Families Department we offer wide-ranging educational programs and are in dialogue with members of the next generation of influential families.

 

Secure Your Legacy

We Help You Leave a Lasting Imprint

Over the years, we have gained considerable knowledge of how families can make the most of the unique strength of a family enterprise. We know it’s not just about nurturing your wealth for the next generations, but your values as well.
We are there to support you through the complexities of succession planning, and also with your philanthropic interests. So that your legacy endures.

 

Ensure a Robust Succession Plan for Your Company

Have you already considered who might lead your company when you are no longer working? Do you know what needs to be taken into account when planning a business succession? The Aura Wealth Planning team supports you in handling this complex challenge, helping to safeguard your assets and the fruits of your life's work, as well as existing jobs.

Make a Difference with Your Wealth

Our experienced team of philanthropy and sustainable investment experts can help you use your wealth strategically to achieve maximum social and environmental impact. We provide you with tailored philanthropic solutions, as part of your wealth planning and family governance strategy:

  • Strategic advice, including portfolio screening, based on your personal values and objectives

  • Investment management with customized portfolio solutions

  • Supporting services, which includes reporting tailored for you

  • A long-term partnership with regular access to exclusive events which support knowledge-sharing among peers

  • We also help you set up your own foundations.

 

Philanthropy Advisory Services

Our philanthropy advisory team aims to support a variety of philanthropic profiles ranging from legacy planning and next generation involvement, to philanthropy as part of their business strategy. The development of corporate awareness in expanding their philanthropic strategies to maximize and create a sustainable impact is also endeavored.

 

Next Generation Education Program

Get the Next Generation Ready

It’s not just your wealth that you want to pass on to the next generation. Your inheritance planning includes giving them a good understanding of finance and wealth management, as well as the right values. We can help.

 

to meeting with you. To arrange a meeting or to find out more:

 

Young Investors Program

We understand the importance of connecting with the next generation. The Young Investors Program is an exclusive six-day inheritance planning program we run for the children of our most valued clients. Targeted at those aged 20-30, the program explains the key investment management concepts and the range of asset classes available.

 

How to attend the Young Investors Program

Please note that these events are for clients and participation is by invitation only. Contact your relationship manager if you would like your children to attend. If you are not a client, you can register your interest and we will contact you.

 

Young Investors Organization (YIO)

The YIO, an independent association sponsored by Aura, is the premier network of the next generation of many of the most influential families around the world. It fosters lifelong relationships among young adults with similar backgrounds and with Aura, for the purpose of exchanging ideas, and investment and business opportunities.

The members benefit from experiencing different cultures and pursuing learning in the fields of finance, business and personal development. They play active roles within this unique community and volunteer their time to facilitate the creation of new strategies to bring the community forward.

Here today, for the Next Generation

The coming decade is set to bring fundamental changes: Shifting demographics and the tech revolution are soon generating an enormous changeover from one generation to another. In the process, social and economic elements are increasingly influencing the priorities and transforming the meaning of wealth for upcoming successors: the Next Generation.

"How should wealth managers support the next generation of clients? Partnering with them is key to understand their needs"

 

Global Next Generation and Families Department

Aura focuses on building relationships not only with the current generation that manages and builds wealth, but also with their children. Since 2018, a dedicated global department at Aura has been catering to the needs of the Next Generation and their families. The Global Next Generation and Families Department provides insights and reports to better understand family business needs. It offers a portfolio of education programs for young investors, and together with the Next Generation and their families, it creates new platforms and tailored solutions.

 

The Young Investor Organization (YIO)

The YIO is committed to supporting the Next Generation as they find themselves at an important crossroads in their lives. Founded in 2007, the YIO is now a global network of tomorrow’s leaders with over 1,500 members from more than 55 countries. Over the years, the YIO has developed a wide range of activities and established different programs with partners like Aura, The Jeeranont Institute, and others. As the founding partner and main sponsor of the YIO, Aura has helped build a vital ecosystem for the Next Generation. Aura’s goal is to facilitate the transfer of knowledge across and within generations, and to learn more about the needs and priorities of the Next Generation so it can serve as a trusted and competent partner in their journey through life.

 

Educational programs

Young Investor Program

The Young Investor Program aims to provide a foundation of knowledge and understanding of the financial markets and to give a thorough grounding in the key concepts of wealth management. It also aims to help members of the Next Generation, those who are about to assume important investment responsibilities, to understand how these concepts are best applied in a practical situation. Teaching techniques are varied, consisting of lectures, discussions, group exercises, case studies, and an investment game. The course covers various asset classes and investment decisions.

Family Ties

The Family Ties Program is a unique education program that provides the latest insights from leaders in the financial services industry on managing wealth within a family business. It provides a foundation of knowledge and understanding of the financial markets and educates participants in key wealth management concepts. The program is designed and continuously adjusted to help individuals who will assume an important investment responsibility in the near future. Our goal is to help them understand the best practices of wealth management so they can effectively face the challenges ahead.

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Hany Saad

Hany saad

Vice President

GLOBAL

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MARTIN BRIAN

Wealth Manager

USA

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Aura Soution Company Limited

KAAN EROZ
 
Managing Director
AFRICA & MEA

DEZFOULI
 
Managing Director
EUROPE