The Private Structure the Wealthy Use to Keep Control, Protect the Family, and Pass It All On — Legally.
Whether you own property, business, or farmland - or are building towards significant wealth.
For UK entrepreneurs moving towards profit and families protecting what they've created.
What's Possible
Every strategy is bespoke and HMRC-approved for your situation. Created in partnership with Commercial Barristers and Legal tax advisors.
Entrepreneurs are losing £500,000 to £5M+ in unnecessary tax over their lifetime
Whether you're building towards profit or already established, you're not being shown the strategic architecture the wealthy use to protect their wealth.
The earlier you structure, the more you protect. Don't wait until you've already paid unnecessary tax.
Tax Burden
40-45% income tax plus 40% IHT means more than half your wealth goes to HMRC, not your children
No Succession Plan
Without the right legal architecture, your family faces a 40% tax bill and unclear succession when you pass
Missed Opportunities
Fragmented structuring exposes you to unnecessary tax on business sales and limits your ability to reinvest strategically - costing you five to six figures every deal you make
Watch: How Business Owners Like You Are Protecting Millions While Staying Fully In Control
Why traditional tax advice isn't enough anymore
Standard planning leaves 40% of your estate exposed to IHT and doesn't optimise your assets for maximal growth
The SAFO structure explained
Control everything, own nothing - protect your legacy legally
Real examples: How families saved £2M+ in taxes
Case studies from business owners who've implemented this strategy
Legal Architecture: Control Without Complexity
The SAFO structure gives you what the 1% have - separation of control, income, and growth
Reduce Tax Liability
Lower dividend tax from 33.75% to 8% effective rate. Freeze IHT at current valuation and prevent future exposure.
Retain Full Control
Maintain voting shares and decision-making power. Control everything while owning nothing for IHT purposes.
Protect Your Family
Assets move outside your estate after Year 3. Pass wealth to next generation efficiently and tax-free.
Control, Income & Growth - All Separated
Use alphabet shares to separate voting control from income rights and growth value - maximizing flexibility and tax efficiency.
Build Generational Legacy
A professionally managed legal structure that protects and grows wealth across three generations.
Enable Offshore Control (Optional)
Preserve privacy and control across jurisdictions with legal, optional offshore structuring for international families.
How The SAFO Works (In Simple Terms)
A visual guide to understanding the Self-Administered Family Office structure
At its core, the SAFO is:
- A holding company structure created with tax efficiency in mind
- Built to separate trading risk from long-term wealth strategies
- Supported by carefully selected entities (often trusts or investment or fiduciary vehicles)
- Designed to be low-cost, low-maintenance, but high-impact
And here's what makes it different:
- •It's not a product (like a trust fund or investment wrapper)
- •It's not just a structure (like a group of companies)
- •It's a framework, a mindset a complete way of thinking, operating, growing and protecting wealth
It addresses all your major tax exposures (income, capital gains, inheritance), not just one and it does it in the most complimentary and complete manner available.
From Complexity To Clarity
Instead of piecemeal advice from different professionals, the SAFO gives you:
- ✓A single, clear strategy for all areas of your wealth
- ✓A governance system your family can understand and follow for generations
- ✓A way to actively manage your financial world like the ultra-wealthy but with a fraction of the cost
This isn't theory. This is working today for families just like yours.
Real Families. Real Savings.
Maria Family
Belfast, NI - Property Portfolio
"Within three years, Maria's structure locked in her IHT exposure — meaning all future growth now sits outside her estate — while also unlocking lower personal tax rates, giving her the liquidity to reinvest and scale faster."
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Rahman Family
Manchester, Tech Business
"At 40, the Rahmans used their SAFO to transition from high-tax trading income to a structure that allowed them to reinvest profits into new ventures while ring-fencing their existing wealth. Their focus shifted from reacting to tax bills to engineering growth on their own terms."
David Family
Birmingham, Manufacturing
"Previously paying £150k/year in dividends tax. Now down to £40k with the SAFO structure. Remarkable savings."
Johnson Family
London, Hospitality Group
"Our accountant couldn't believe the tax savings. This structure protected our £8m estate for our grandchildren."
What This Could Mean For Your Family
See the complete tax picture: Income + CGT + IHT
| Tax Type | Traditional (Do Nothing) | With SAFO Structure |
|---|---|---|
| Income Tax (20yr) | £5.0m | £1.2m |
| CGT on Business Sale | 20% | 0% (if structured) |
| IHT on £3m Estate | £750,000 | £0 (frozen at setup) |
| IHT on £10m Estate | £3,000,000 | As low as £0 (if growth transferred) |
| Combined Tax Savings | £500k to £5m+ |
Example: £3m Estate, £250k Annual Profits
For every £1 invested
Assets outside your estate
You retain control
A Conversation Can Open Doors
Every strategy is unique. Whether you own property, business, or farmland - or you're building towards significant wealth - let's explore what's possible for your situation.
No Hard Thresholds
We work with families at different stages. Whether you're building towards £500k or managing £50M+, strategic planning starts with understanding your goals.
HMRC-Approved
Our strategy is successful because we get HMRC approval for your particular need from inception. This takes the majority of guess work out of planning.
Bespoke Planning
Every family's situation is different. We tailor the structure to your assets, goals, and timeline - with your current advisors if you wish.
The Earlier You Structure, The More You Protect
Don't wait until you've already paid unnecessary tax. A conversation with us can open doors to significant tax saving and protection for what you've created.
Created in partnership with Commercial Barristers and Legal tax strategists
Is This Legal? Is It Complicated? Will I Lose Control?
100% legal. Every SAFO is UK-based, HMRC-cleared, and drafted by specialist commercial barristers. This is not a loophole - it's established legal architecture that wealthy families have used for decades. The structure is fully compliant with UK tax law and designed to withstand HMRC scrutiny. We even gain HMRC approval at the start.
Every SAFO structure is backed by specialist commercial barristers and designed to be HMRC-compliant from day one. This is established legal architecture - not creative accounting.
See What's Possible For Your Family
Calculate your potential savings in 2 minutes. Every situation is unique - we'll tailor the strategy to you.