UTGL’s unique “Progressive Trust Establishment Model” redefines traditional trust structures by eliminating high entry barriers, rigid procedures, and excessive costs. Powered by AI-driven automation and a fully digital financial system, a trust can be set up in as little as 15 minutes — offering unprecedented convenience and efficiency. Our mission is to democratize and digitize premium trust services, enhancing accessibility, flexibility, and transparency for individuals at every stage of their financial journey. This model is designed to provide a friendly entry point to begin trust planning and empowers clients to gradually inject assets into the trust as their wealth grows — avoiding high upfront costs that might otherwise erode your initial capital. With UTGL, your trust evolves with you, supporting your legacy with sustainable, future-forward growth.

UTGL Progressive Trust Establishment Ladder

Step 1: Pre-Trust — A Seamless Beginning

This stage is designed to significantly reduce the entry barriers to trust establishment. By leveraging digital tools and efficient processes, it helps clients identify their initial needs, offers a clear roadmap, and effectively lowers participation costs. These intuitive and user-friendly tools are so accessible that even newly onboarded interns can utilize them to guide clients through the onboarding process with ease. By simplifying the initial steps, they help to promote trust planning concepts and empower clients to take the first light yet solid step in shaping the future of their wealth.

Case Study:

A young, ambitious software engineer just starting his career hopes to build a solid foundation for future wealth growth. Through UTGL’s Pre-Trust planning, he can easily understand the core concepts of trusts. With a near-zero-cost, user-friendly fee model, he sets up his trust in just 15 minutes without hesitation. He begins using UTGL’s highly private and secure digital platform to inventory and record his liquid and digital assets, quickly creating a preliminary personal asset list. During this process, his sensitive asset information is immediately safeguarded by the platform’s robust protections. This step also lays the groundwork for his assets to gain legal protection within a trust in the future. Moreover, the platform simulates different trust strategies, allowing him to intuitively see how these assets can achieve effective legal protection and smooth inheritance under a trust structure.

Step Two: Private Living Trust — Revocable Living Trust for Flexible Control

Offers a fully controllable and flexible digital management platform, allowing easy modification of trust terms, replacement of beneficiaries or trustees, or even revocation of the trust.

Efficiently avoids probate, ensuring assets are smoothly transferred into the trust for effective estate distribution.

Pre-designated successor trustees can quickly take over, ensuring continuity in asset management and enhancing privacy protection.

Provides an Asset-Linked Credit Card, increasing the liquidity of trust assets, globally accepted with no spending limit.

Maximizes the advantages of Hong Kong’s absence of capital gains tax and inheritance tax for efficient tax planning, reducing the tax burden on assets and enabling a bank-free lifestyle.

Case Study:

A digital nomad traveling globally has diverse and scattered income sources, including social media platforms, content monetization, online course sales, and remote services across multiple countries. He faces challenges such as complex cross-border payments, potential tax issues in different jurisdictions, and difficulties in centrally managing and flexibly using global funds.

Through UTGL’s Private Revocable Living Trust, he can progressively consolidate diverse income streams from various platforms and regions into a trust account for centralized management. UTGL’s highly private digital platform not only ensures the confidentiality of sensitive income information but also allows him to clearly oversee his global asset status on a unified interface.

Leveraging the advantages of establishing a trust in low-tax jurisdictions like Hong Kong, he achieves efficient asset management and tax optimization within the trust. Additionally, with UTGL’s Asset-Linked Credit Card, he can conveniently use trust assets for global spending, greatly facilitating his nomadic lifestyle while maintaining a high level of financial privacy. This case demonstrates how UTGL provides flexible, efficient, and adaptable global wealth management and tax optimization solutions for new-age workers.

Case Study (Continued):

Another billionaire client, prior to marriage, decided to take the most robust measures to protect his substantial premarital assets from the potential risk of asset division in future divorce proceedings.

He chose to establish UTGL’s Private Revocable Living Trust. By transferring the majority of his premarital assets — including company equity, real estate, and various financial investments — into the trust, he successfully achieved effective segregation of these assets from his personal estate and any future marital community property (Asset Segregation).

The trust structure clearly stipulates that asset ownership belongs to the trust, leveraging the legal framework of jurisdictions like Hong Kong to significantly reduce the likelihood of these premarital assets being classified as marital community property subject to division in a potential divorce. As a living trust, it allows the client to retain flexible control over the trust assets, enabling convenient management and adjustments through UTGL’s digital platform while enjoying a high level of privacy protection.

This case illustrates how UTGL’s Private Living Trust plays a critical role in premarital asset protection and risk isolation, providing high-net-worth individuals with robust legal safeguards and management flexibility.

Step Three: Irrevocable Trust — Building a Robust Fortress for Your Perpetual Legacy and Asset Security

This stage is designed for clients seeking the highest level of asset protection and long-term legacy goals. Leveraging UTGL’s cutting-edge fintech capabilities, we fully utilize the robust modern trust legal frameworks of jurisdictions like Hong Kong (e.g., mechanisms supported by Chapter 29 of the Trustee Ordinance). Through meticulously designed irrevocable trust structures, incorporating mechanisms such as trust protectors, we aim to maximize asset isolation from risks posed by potential future creditors, legal disputes, and other threats, ensuring the utmost security of your wealth. Unlike the potential rigidity of traditional irrevocable trusts, UTGL’s digital management platform offers unprecedented transparency and efficiency, allowing you to endow the trust with powerful protective capabilities while maintaining flexibility and control in trust management. This stage also includes advanced protection strategies for new forms of wealth, such as digital assets.

Establish special-purpose trusts (e.g., Special Needs Trust (SNT) or Irrevocable Life Insurance Trust (ILIT)) to meet clients’ specific legacy needs.

Unlock the true growth potential of assets by capitalizing on global investment opportunities.

Case Study:

Client Peter owned two properties. One property was placed in a UTGL private trust, with Thompson designated as the Ultimate Beneficiary Owner (UBO). The other property was held personally by Peter and designated to Becky in his will.

After Peter’s passing, Thompson and Becky each sought to redeem their respective properties.

Thompson redeemed his property through UTGL. UTGL exercised the legally empowered deed, enabling Thompson to successfully redeem and sell the property within one month.

However, Becky’s property, inherited through the will, required court probate, a time-consuming and cumbersome process that took six months to a year.

Worse still, because the property was inherited via a will and subject to the lengthy court probate process, there were potential legal risks regarding asset ownership. Given that Peter had two children, the will’s allocation of the property solely to Becky could prompt objections or legal claims from Thompson, the other child. As a result, banks, wary of potential future ownership disputes, were unwilling to provide a mortgage loan for Becky’s property.

This case clearly demonstrates the efficiency and legal advantages of UTGL’s trust in asset transfers, avoiding the potential legal risks and financial obstacles associated with wills.

Step Four: Family Office Trust — Top-Tier Digital Comprehensive Services for Ultimate Wealth Management

Leverage UTGL’s one-stop digital financial trust platform to seamlessly integrate various trust instruments into a comprehensive family wealth management framework.

Provide all-encompassing, digital, and highly efficient solutions, including global asset allocation, cross-border tax planning, family governance, risk management, and innovative services such as the Asset-Linked Credit Card, to achieve long-term, sustainable wealth preservation and growth for the family.

Case Study:

A multinational family enterprise with diverse industries spanning Asia, Europe, and North America faced complex wealth management and family legacy challenges.

Through UTGL’s Family Office Trust, they were able to consolidate their globally distributed assets — real estate, art collections, equity investments, and digital assets — into UTGL’s digital platform for unified management.

UTGL’s platform provided real-time asset monitoring and reporting, executing asset allocation adjustments and risk management strategies aligned with the family’s long-term goals. Additionally, UTGL’s professional team tailored a family governance framework for the family, including the formulation of a family charter and the organization of family meetings.

UTGL’s Asset-Linked Credit Card enabled family members to conveniently use trust assets for spending worldwide while maintaining a high level of privacy and security.

Through UTGL’s comprehensive services, the family not only achieved wealth preservation and appreciation but also ensured the intergenerational transmission of family values and entrepreneurial spirit.

UTGL’s Core Advantages:

• AI-Powered Automation and Digital Financial System: Establish a trust in just 15 minutes, with clients applying directly on the website.

• Fintech Trust: Utilize digital and automated technologies to enhance trust efficiency and transparency.

• Flexible Trust Structures: From Pre-Trust to Family Office Trust, catering to the needs of different life stages.

• Global Asset Management: Offer cross-border wealth management and offshore asset allocation services.

• Asset Protection and Legacy: Achieve asset segregation, tax optimization, and family wealth inheritance through trusts.

• High Privacy and Security: Provide highly private financial services.

• Unlimited Asset-Linked Credit Card: As Hong Kong’s first non-bank card issuer, UTGL introduces the elegant and prestigious ceramic-material, silver-branded World Elite Mastercard, showcasing your exceptional taste.

• Accessible Trust Threshold: Trust plans start at just $360 or $30,000 in assets under management (AUM).

• Comprehensive Trust Secretary Services: Provide trust administration and accounting support, including global bill payments, investments, purchasing luxury watches or cars, and covering daily expenses — wherever your bills originate, we simplify cross-border financial management.

• Professional Team via Fintech Trust Platform: Assist clients in handling complex trust-related matters.

• Top-Tier Global Partners: UTGL has established partnerships with leading international financial institutions such as BlackRock, JP Morgan, DBS, Mastercard, Visa, Interactive Brokers, Galaxy Digital, Cumberland, B2C2, Tether, Circle, and Chainalysis. Opening a UTGL trust account is equivalent to connecting with over 50 top-tier global financial institutions.

Conclusion:

UTGL upholds the philosophy of “Growing Together with Our Clients”, which is not merely a slogan but a solemn commitment to our clients. We understand that every portion of our clients’ wealth carries their dreams and aspirations, and thus, we always prioritize their interests, dedicated to providing professional, reliable, and transparent trust services.

Through close partnerships with over 50 top-tier global financial institutions, including BlackRock, JP Morgan, DBS, Mastercard, Visa, Interactive Brokers, Galaxy Digital, Cumberland, B2C2, Tether, Circle, and Chainalysis, UTGL has created a platform that seamlessly connects clients to global financial markets. This means that by opening a single UTGL trust account, clients gain access to professional services and abundant resources from world-leading institutions, enabling global asset allocation and diversified wealth growth.

UTGL firmly believes that the power of technology can break down the barriers of traditional financial trusts, allowing more people to enjoy high-quality wealth management services. We will continue to innovate and elevate our service standards. Through the “Progressive Trust Establishment Model”, there is always a professional trust service tailored to your needs.

Contact UTGL today to unlock your infinite financial possibilities.