Why Choose UTGL?

UTGL is a publicly licensed trust institution in Hong Kong, operating under a government-bonded framework, dedicated to delivering premier asset protection and wealth management services.With a paid-up capital of over 100 million, UTGL boasts robust financial strength — the coverage amount is dozens of times higher than the statutory requirement.Our team of over 200 professionals, comprising top-tier experts including senior lawyers, tax advisors, trust specialists, and fintech engineers, is guided by the principles of legal integrity, technological innovation, and client-centric care.We design compliant and innovative trust solutions that precisely meet individual and corporate needs.

UTGL’s International Team Background

UTGL comprises over 200 professional talents with a distinguished global professional background, encompassing extensive expertise in trust law, legal frameworks, fintech, taxation, and wealth management.

This multi-jurisdictional proficiency enables UTGL to deliver sophisticated solutions for global wealth management, progressive trust structuring, and digital asset management.

Our experts bring decades of experience navigating complex global legal and financial systems, ensuring seamless compliance and operational efficiency for worldwide clients.

With a robust foundation in global trust and wealth management practices, UTGL delivers tailored, transformative trust services with precision and innovation.

UTGL’s Professional Liability Coverage — Insured by a Global Insurance Titan

UTGL is committed to delivering the highest level of protection through a strategic partnership with Berkshire Hathaway, the world’s leading insurance titan.

This partnership aims to provide a comprehensive institutional insurance suite, including but not limited to professional indemnity, crime insurance, cyber liability, directors’ and officers’ (D&O) liability, and custodial risk coverage.

This legal framework is meticulously designed to safeguard client assets against all coverage under the Trustee Ordinance (Cap. 29) for professional liability failure, ensuring operational resilience and legal integrity.

The strength of this prestigious partnership elevates UTGL’s trust services to the highest tier of reliability and long-term wealth security.

UTGL: One Fintech Trust platform connecting you to 50+ leading global financial institutions.

UTGL has established strategic partnerships with global industry leaders, including BlackRock, JP Morgan, DBS, Mastercard, Visa, Interactive Brokers, Galaxy Digital, Cumberland, B2C2, Tether, Circle, Fireblocks , Bitgo and Chainalysis, earning international acclaim.

We seamlessly integrate trust services with cutting-edge fintech, leveraging artificial intelligence (AI) and blockchain technology to enhance asset management efficiency and transparency, while enabling robust cross-border wealth management.

This approach not only bolsters our competitiveness in asset management and trust services, but also expands our global presence and recognition, delivering flexible and efficient asset allocation solutions to clients worldwide.

UTGL’s Unique Progressive Trust Ladder: Tailored Solutions for Every Life Stage

For many, establishing a trust is often perceived as costly, complex, and time-consuming. To make trust creation more accessible and user-friendly, UTGL has pioneered a progressive trust framework.

Under Hong Kong’s Trustee Ordinance (Cap. 29), which imposes no minimum capital requirement, UTGL adheres to the common law principle of prioritizing the settlor’s intent.

We recommend revocable trusts in the initial planning phase, granting clients the flexibility to adjust their arrangements across different life stages. Clients can gradually transfer assets to a controlled trust entity under their management.

UTGL’s diverse trust services offer escalating levels of legal protection, with increasing efficacy as the trust framework evolves.

Our tailored trust solutions precisely meet your needs at every stage, evolving with you while preserving your capital.

From preparatory trusts to multigenerational legacy planning, UTGL delivers flexible, progressive trust services that ensure lasting security and growth.

Family Office (Irrevocable Family Trust / Family Office Structure)

When your assets reach a significant scale and you begin seeking the highest level of asset protection and multigenerational succession planning, a Family Office becomes an indispensable, top-tier solution.

The unique strength of a Family Office lies in its foundation — a legally binding and irrevocable trust deed that offers unparalleled security.

Through this meticulously crafted Irrevocable Trust Deed, your legacy plan is fortified by the enforceability provided under Hong Kong’s Trustee Ordinance (Cap. 29) and Section 21M of Hong Kong’s High Court Ordinance, which ensures the compulsory execution of intergenerational directives.

This legal safeguard guarantees that your wishes will be fully upheld, regardless of future uncertainties.

As a cornerstone of any robust family office structure, an Irrevocable Trust stands out for its legal permanence — once established, its terms are generally not subject to arbitrary amendment.

This ensures long-term asset protection and absolute clarity in wealth succession.

For instance, a family may set up various offshore entities to hold different classes of non-financial assets, all managed by a professional trustee.

This structure not only provides a high level of confidentiality and asset shielding, but also allows for the seamless integration of global holdings into a unified trust framework.

By consolidating assets under the trust, families can significantly reduce time spent on fragmented asset management, optimize legal efficiency, and preserve wealth with precision across generations.

Through an irrevocable trust deed with absolute legal enforceability, you gain the ability to precisely designate beneficiaries and define the manner of asset distribution, ensuring that your family wealth is passed on strictly according to your intended plan, not only to the next generation but to generations beyond.

This structure effectively prevents potential inheritance disputes and secures multigenerational harmony.

Backed by a team of seasoned professionals, investment and risk management strategies are dynamically adjusted over time, while the trust structure is seamlessly integrated with a family charter and educational framework.

This dual approach ensures the sustained growth of wealth alongside the enduring transmission of family values.

By harmonizing financial prudence with intergenerational unity, the family office becomes the cornerstone of a centennial legacy tailored for elite families.

UTGL: An Exclusive, Elite Financial Experience — A New Benchmark in Innovative Trust Services

UTGL offers more than just a symbol of status — it delivers an unprecedented financial experience.

As Hong Kong’s first non-bank card issuer to introduce the Asset Link Credit Card (World Elite MasterCard), crafted from luxurious and distinctive ceramic material to reflect your exceptional taste and distinguished identity.

The core innovation of this card lies in its “Unlimited Asset Link” feature. This means your spending limit is directly tied to your UTGL trust assets, enabling truly unlimited purchasing power.

Unlike traditional credit cards with fixed limits, this breakthrough allows your financial capacity to scale with your trust holdings, granting you the flexibility to access and utilize your assets globally with ease and confidence.

Conclusion The structure and clauses of a trust can be imitated — but true trust is earned through strength, compliance, and professionalism. As a publicly licensed and government-bonded trust institution, UTGL goes beyond traditional asset management. We are committed to integrating legal safeguards, fintech innovation, and advanced privacy protection to deliver a fully comprehensive wealth protection experience.Powered by AI and blockchain technology, the UTGL one-stop digital trust platform ensures transparency, security, and seamless execution across every asset transaction , enabling 24/7 global wealth management and tax optimization with unmatched efficiency.Whether you are establishing a trust for the first time or refining an existing wealth structure, UTGL provides tailor-made solutions to meet your needs. We sincerely invite you to begin your trust journey with us today, and let us safeguard and grow your family’s wealth for generations to come.Contact UTGL today to unlock your infinite financial possibilities