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 Rebuilding for Post-Bankruptcy Clients :

Client Needs: Individuals who have officially completed bankruptcy proceedings, settled all legal debts, and fulfilled court judgments often face challenges reintegrating into the financial system. Despite having a clear record, traditional banks may still deny account opening or services due to their past history.

UTGL Trust Solution: For clients who have fully discharged their bankruptcy obligations, establishing a UTGL trust provides a compliant alternative. Clients can deposit new legitimate income (e.g., salaries, business earnings, family gifts) into the trust account. Leveraging UTGL’s extensive network of financial institutions (connected to major global financial hubs) and its exclusive Asset-Linked Credit Card, clients gain convenient and dignified access to fund management and daily spending, enjoying private banking-level financial services. This effectively bypasses the stringent scrutiny barriers often imposed by traditional banks, allowing them to restart their financial lives with confidence.

Requiring Flexible Cash Management Clients:

Client Needs: Those with global assets and multiple income sources require a unified, convenient, and private platform to manage complex cash flows across different currencies.

UTGL Trust Solution: UTGL’s digital platform enables clients to centrally manage global bank accounts and assets. Coupled with UTGL’s pioneering (non-bank-issued) Asset-Linked Credit Card, clients can directly and flexibly utilize assets within the trust for global spending and fund allocation, significantly enhancing the efficiency, convenience, and privacy of cash management.

Highly Required Value Asset Privacy Clients:

Client Needs: Individuals who do not wish their personal wealth status, asset holding details, and transaction records to be easily disclosed or traced, including low-profile individuals and public figures.

UTGL Trust Solution: Hong Kong trusts inherently require no public registration, providing natural confidentiality. Building upon this foundation, UTGL implements stringent internal confidentiality policies. At the same time, we innovatively apply blockchain technology to ensure transaction records are tamper-proof and highly transparent (visible only to authorized parties), while further enhancing daily spending privacy through our Asset-Linked Credit Card.

Cryptocurrency and Digital Asset Holders:

Client Needs: Investors holding digital assets such as Bitcoin and Ethereum (like Mr. Wang in the case study) face unique challenges, including secure storage, value volatility, inheritance planning difficulties, and privacy protection.

UTGL Trust Solution: As a pioneer in digital asset trust services, UTGL possesses the professional expertise and technical capabilities to securely and compliantly integrate cryptocurrencies and other digital assets into trust structures. We provide institutional-grade custody solutions and clearly define management, valuation, and succession mechanisms in a trust deed to address the new wealth management challenges of the digital era.

Estate Succession Planning :

Client Needs: Mr. Satoshi San is elderly and holds a diverse portfolio of assets, including real estate, stocks, and funds. He wishes to ensure that upon his passing, these assets are transferred to his children in the most efficient, legally secure, and expedient manner possible, avoiding the lengthy probate process and potential legal disputes.

UTGL Trust Solutions：

1. Bypass Probate & Inheritance Tax, Accelerating Asset Transfer: As demonstrated in the case of Mr. Satoshi’s property being transferred to his children via a UTGL trust, assets placed in the trust by Mr. Satoshi Nakamoto will not be subject to lengthy, public probate proceedings. Under Hong Kong’s Trustee Ordinance (Cap. 29), beneficiaries have the right to enforce the trust deed and claim assets efficiently — potentially within weeks, compared to the months or even years required for will-based inheritance.

2. Multi-Tax Benefits & Lower Holding Costs: Beyond exemption from inheritance tax, Hong Kong offers additional advantages, including no capital gains tax, no foreign exchange controls, and no estate tax. By holding and transferring assets through a UTGL trust, Mr. Wang’s children can retain significantly more asset value upon inheritance.

3. Minimize Legal Dispute Risks: The trust deed carries binding legal force, clearly defining beneficiary rights and reducing the risk of will contests or challenges that often arise in traditional inheritance cases.

4. Easier Access to Financing: As seen in the case study, banks may hesitate to provide mortgages for properties inherited via a will due to ownership uncertainties. However, trust-held properties have a clearer ownership structure, making it easier for beneficiaries to secure bank loans when needed.

5. Enhanced Privacy Protection: Unlike the public probate process, trust arrangements remain confidential, safeguarding the personal and financial details of Mr. Wang and his heirs from public disclosure.

Planning Family Succession and Establishing Living Trusts:

Client Needs: Individuals aim to ensure that family wealth (including business equity) is transferred smoothly, efficiently, and privately to the next generation or designated beneficiaries according to their wishes. They seek to avoid cumbersome and public probate processes and may require long-term or even perpetual arrangements.

Client Needs: Young professionals (e.g., software engineers) and entrepreneurs aim to establish a wealth management framework early, understand trust concepts, and lay a foundation for the future, but may be constrained by the high entry barriers of traditional trusts.

UTGL Trust Solutions: UTGL’s Pre-Trust service is the ideal starting point. Through our digital platform and streamlined processes, clients can quickly create a preliminary asset inventory at minimal cost, learn about trusts, and experience the value of professional wealth planning, setting the stage for upgrading to more complex trust structures in the future.

High-Net-Worth Individuals Seeking VIP All-in-One Services:

Client Needs: Busy high-net-worth individuals or families seek more than just trust products; they require a comprehensive solution that fully manages their wealth affairs while offering highly personalized, premium lifestyle convenience services.

UTGL Trust Solutions: UTGL’s Family Office Trust service provides the highest level of support. Led by a dedicated relationship manager, it integrates top-tier trust structures, global asset allocation, tax and legal advisory, family governance, and inheritance planning, delivering a truly all-in-one, premium experience.

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.