Introduction: UTGL Unlocks Opportunities for Trust Beneficiaries

Many people misunderstand trusts, viewing them as inaccessible tools for asset protection reserved for high-net-worth individuals. In reality, the functionality of trusts can be made more accessible, addressing everyday challenges faced by individuals and serving people from diverse backgrounds, not just the affluent.

Hong Kong Trust rooted the principles of Common Law and Equity from the UK (complying with the Trustee Ordinance Cap. 29 and the Recognition of Trusts Ordinance Cap. 76). UTGL holds a Hong Kong public trust license and government bonded, has over 100 million paid-up capital (exceeding statutory requirements by dozens of times), and is covered by high-value professional liability insurance underwritten by Berkshire Hathaway. Furthermore, UTGL pioneers the integration of cutting-edge financial technology (FinTech), including artificial intelligence (AI) for automated processes and blockchain technology applications. By combining technology with trust functionalities, UTGL significantly expands the application scenarios of trusts.

UTGL Trust: Progressive Trust Establishment, Growing Together

Traditionally, trusts are perceived as exclusive tools for the ultra-wealthy. UTGL’s mission is to make professional, secure trust services accessible to all. Through our digital platform and “progressive trust establishment model” (from Pre-Trust to Family Office Trust), clients at any stage — whether starting their careers or building their asset portfolios — can begin trust planning with low entry points (e.g., USD 360 or USD 30,000 (AUM).

Financial Industry Professionals or Public Figures:

Client Needs: Due to the unique nature of their professions, financial industry professionals or public figures often face restrictions on asset allocation and financial activities, such as limitations on stock trading or public disclosure of bank records.

UTGL Trust Solutions: UTGL Trust offers flexible asset management solutions tailored to its needs. For instance, through its partnership with Interactive Brokers, UTGL provides high-privacy investment channels. By leveraging offshore structures and nominee arrangements, UTGL Trust enables tax optimization, such as exemptions from capital gains tax, while safeguarding the privacy of its financial transactions.

Company Directors/Executives:

Client Needs: Company directors and executives play critical roles in business operations but often face significant unforeseen legal and financial risks, such as corporate debt or litigation.

UTGL Trust Solutions: UTGL Trust enables them to establish asset protection trusts, effectively separating personal assets from corporate liabilities to mitigate the impact of business risks on personal wealth. Additionally, UTGL’s privacy protection features help directors and executives safeguard their personal financial information.

Digital Nomads / KOLs:

Client Needs: Digital nomads and content creators (KOLs) typically generate income from multiple global platforms (e.g., YouTube, Instagram, TikTok), with diverse income sources and currencies. They require a trust framework that can consolidate and manage these incomes, legally minimize tax liabilities, and provide convenient daily spending options with robust privacy protection.

UTGL Trust Solutions: Under Hong Kong’s Inland Revenue Ordinance (Cap. 112), the Territorial Source Principle of Taxation applies, meaning Hong Kong only taxes profits derived from within its jurisdiction. Income earned by digital nomads or KOLs from overseas platforms or international clients may, under specific conditions, be exempt from Hong Kong profits tax.

UTGL Trust serves as a centralized platform to help digital nomads and KOLs consolidate income from various global sources. Our trust structure enables them to leverage Hong Kong’s tax advantages to legally reduce their overall tax burden while remaining fully compliant. Additionally, UTGL offers Asset-Linked Credit Cards, allowing seamless access to trust funds for daily spending worldwide, all while ensuring a high level of financial privacy.

Protecting Loved Ones:

Client Needs: Mrs. Li wants to provide stable living expenses for her child studying abroad, with a simple and quick process. She also seeks to make preliminary plans for asset inheritance. She needs a solution that allows her to control her child’s spending and ensures their financial security in case of her unexpected passing.

UTGL Trust Solutions: Mrs. Li can establish a straightforward living trust through UTGL.

Advantages of UTGL Trust in This Scenario:

• Fast and Convenient Process (Completed in 15 Minutes): Mrs. Li can quickly apply and sign documents on the UTGL.net website.

• Instantly Usable Asset-Linked Credit Card: Upon signing, she receives a credit card linked to the trust’s assets.

• Flexible Fund Contributions: Mrs. Li can inject funds into the trust at any time for her child’s use.

• Customizable Spending Limits: She can set monthly spending caps to effectively manage her child’s expenses.

• Designated Final Beneficiary: During trust setup, Mrs. Li can name her child as the ultimate beneficiary, laying the foundation for asset inheritance planning. Through UTGL’s living trust, Mrs. Li can easily and quickly provide financial support for her child abroad, flexibly manage funds, and make preliminary arrangements for future asset inheritance, giving her peace of mind in protecting her loved ones.

High-Tax Jurisdiction Income Planners:

Client Needs: Individuals or businesses earning legitimate international income (e.g., consulting fees, dividends from non-local companies, or intellectual property royalties) in high-tax jurisdictions seek to transfer a portion of this income to lower-tax Hong Kong for management and reinvestment through compliant structures.

UTGL Trust Solutions: UTGL assists clients in establishing compliant Hong Kong trusts to receive and manage their legitimate international income streams. Leveraging Hong Kong’s Territorial Source Principle of Taxation (taxing only profits derived from Hong Kong), such non-Hong Kong-sourced income may benefit from tax optimization. UTGL ensures the trust structure’s setup and operations comply with Hong Kong and relevant source jurisdiction laws, while strongly recommending clients consult independent international tax advisors to ensure full compliance based on their specific circumstances.

Cross-Border E-Commerce Operators:

Client Needs: Cross-border e-commerce operators face complex financial management challenges, including multi-currency settlements, international tax compliance, and the management and allocation of overseas profits.

UTGL Trust Solutions: UTGL Trust helps them establish cross-border trust structures to efficiently manage global income and assets, optimize tax burdens, and mitigate risks associated with cross-border transactions. For example, through UTGL’s Asset-Linked Credit Card, operators can conveniently manage trust funds for global procurement and payments, enhancing capital efficiency. Multi-Asset Settlement Capability: Digital assets, fiat currencies, stocks, gold, and real estate can all be flexibly managed.

Cross-Border Traders in Countries with Strict Foreign Exchange Controls:

Client Needs: Addressing the cumbersome processes for cross-border trade fund transfers and approvals: In countries with strict foreign exchange controls, businesses and individuals face complex and time-consuming approval processes for moving funds in and out, which events transaction costs and risks delaying business opportunities.

UTGL Trust Solutions:

• Streamlined Global Asset Management: UTGL Trust serves as a platform to manage and allocate global assets, incorporating offshore company nominee arrangements and trust legal structures. Through UTGL Trust, clients can conduct cross-border payments and collections more flexibly, reducing reliance on local foreign exchange control policies.

• Partnerships with Top Global Financial Institutions: UTGL has established partnerships with leading global financial institutions, meaning a single UTGL Trust account connects clients to over 50 top-tier international financial entities. This facilitates seamless international trade settlements and improves capital turnover efficiency.

• Reduced Administrative Costs: UTGL’s digital financial trust platform simplifies cross-border financial management processes, such as global bill payments, effectively reducing clients’ administrative burdens and enhancing management efficiency.

• Legitimate Tax Optimization: UTGL helps clients legally optimize their tax obligations. Hong Kong’s simple and attractive tax regime — featuring no capital gains tax and potential profits tax exemptions for offshore income under specific conditions — supports this goal.

Seeking Tax Optimization Clients :

Client Needs: High-income professionals, entrepreneurs, or international investors aim to legally and compliantly leverage Hong Kong’s tax advantages (e.g., no capital gains tax, no inheritance or gift tax, and potential profits tax exemptions for qualifying offshore income) to optimize their global tax burden.

UTGL Trust Solutions: With deep expertise in Hong Kong’s tax system and international tax agreements (such as CRS/FATCA), UTGL’s expert team designs efficient offshore or international trust structures for clients. Coupled with clear account management and reporting recommendations, UTGL ensures compliant maximization of tax benefits.

From Geopolitically Unstable Regions Clients:

Client Needs: Due to industry-specific risks or political and economic uncertainties in their regions, individuals have heightened concerns about the long-term safety and stability of their assets. They worry about risks such as local bank failures or potential threats to funds within banking systems stemming from geopolitical shifts or regime changes.

UTGL Trust Solutions: By placing assets in a UTGL Trust established in Hong Kong — a globally recognized international financial center renowned for its reputation for rule of law and robust financial system — clients gain peace of mind. The legal protections of the trust, combined with UTGL’s secure digital management platform, provide a reliable “safe haven” for overseas clients’ assets.

Requiring Mitigate Potential Marital Risks Clients:

Customer Needs: The primary objective of these individuals is to protect their personal assets from the financial risks that may arise from changes in marital status — particularly divorce. They aim to ensure that their assets are distributed according to their own wishes and to prevent unintended asset losses.

Common Scenarios:

Individuals facing the risk of marital asset division, such as those who are remarried, high-net-worth individuals, entrepreneurs, etc.

UTGL Trust Solutions: Establishing Prenuptial/Intra-marital Trusts

UTGL Trusts can assist clients in setting up prenuptial or intra-marital trusts, clearly distinguishing personal assets from marital property, thereby establishing legally defined asset boundaries.

Asset Isolation and Protection:

By leveraging the asset isolation function of trusts, specific assets can be placed into a trust, legally separating them from marital property. This separation prevents a spouse from claiming a share of these assets in the event of a divorce.

Flexibility of Terms:

UTGL Trusts offer highly flexible terms, allowing clients to clearly outline the mode of asset distribution and designate beneficiaries in the trust documents based on their individual circumstances and needs. This maximizes the protection of their personal interests.

Conclusion: Reunderstanding Trust Usage to Delight Your Family Legacy

For generations, trusts have been seen as tools reserved for the wealthy elite — primarily for asset protection. Today, UTGL is redefining that understanding. Driven by technology and anchored in legal strength, we are empowering individuals and families to reunderstand trust usage as a powerful instrument to enrich and elevate their legacy.

With UTGL’s innovative approach and professional expertise, you no longer need to worry about the complexities of asset security, privacy, efficient management, or legacy certainty. Whether you’re at the starting point of your financial journey or planning for multi-generational success, UTGL is your lifelong strategic partner — helping you delight in the confidence of a well-planned, well-protected family legacy.

Contact UTGL today to unlock your infinite financial possibilities.