Wealth Advisory

As your life changes, so do your ambitions. Thanks to the power of collaboration, we bring you the best thinking to create customised solutions to build on your achievements, secure your legacy and help your business and family to flourish.

Big challenges demand smart collaborations

By drawing on our worldwide network of expert colleagues and partners, your Wealth Advisors can ensure your life and wealth flow smoothly across international borders and jurisdictions.

Your Private Banker will connect you to your dedicated Wealth Advisor to review the current state of your wealth portfolio – from estate planning to customised liquidity planning. Together, we pool our knowledge and skills to allow you to understand the best ways to protect your wealth and fulfil your potential. Our ambition is your peace of mind.

Our in-house wealth advisory specialists work closely with you and your professional advisors to develop a long-term relationship and to devise and deliver a wide range of tailored solutions.

We recommend a face-to-face meeting with you and your advisors, so we can gain a complete understanding of your circumstances. This helps us shape your overall wealth planning, so we can go beyond the obvious and discover new ideas and opportunities.

As we get to know you, your Wealth Advisor will assemble the right team of experts to create solutions to meet your needs. We introduce you to external tax and legal experts from our global network and use their knowledge and expertise to ensure the right strategy is developed. Then we help you put the plan into action.

Postal Savings Bank Of China does not and will not provide tax or legal advice. Any planning must be in line with our own internal tax principles. Please note that the tax treatment depends on your personal circumstances and may be subject to change in the future.

Restricted advice – we will advise and make a recommendation for you after we have assessed your needs. We offer advice on limited types of products from a limited number of companies. You may ask us for a list of these companies and products.

Our Wealth Advisory solutions

Estate planning

The way you structure your wealth will impact your family for generations to come. We work closely with you and your advisors to create a plan, so the people you care about can look forward to a safe and secure future.

Our wealth advisory specialists work with a wide range of estate planning structures, holding a variety of assets in multiple jurisdictions. We can also build a bespoke solution, taking into account your trusts, foundations, companies and other structures, while incorporating our liquidity planning and credit solutions.

We help with:

• Succession planning for businesses and investments
• Transferring wealth to ensure the next generation can flourish
• Asset protection and assessing the potential risks to wealth
• Supporting your philanthropic ambitions

Finding the right solutions

Tax affects how your long-term wealth is organised and distributed. Although we don’t offer tax or legal advice, our understanding and experience can help manage and protect your wealth - whatever form it takes.

We work with your Wealth Advisors to understand the legal implications resulting from entrepreneurial activity, financial investments, property or other assets.

Our solutions help you to:

• Navigate a complicated tax compliance and risk management landscape for families spread across borders
• Create effective solutions across a number of jurisdictions for both business and personal assets
• Develop and execute the right investment strategy for income and growth planning

Please note: the tax treatment depends on your personal circumstances and may be subject to change in the future.

Retirement planning

Once you retire, we can help you align your goals with your investment strategy. We ensure you are covered as you embark on the next chapter of your life, and structure your wealth so you are ready to adapt to changing circumstances.

Along with our network of expert partners, we provide access to a range of flexible planning solutions to help you build the funds you desire, so you can enjoy your retirement years. These include:

• Pension products such as self-invested personal pensions to house your retirement funds
• Options to exchange your pension capital for an annuity
• Advice on how to avoid potential problems and lost opportunities

Please remember, investments can fall as well as rise in value. Your capital or the income generated from your investments may be at risk.

Liquidity planning

We want to make sure you are ready for whatever life throws at you. Our in-house team of experts works with some of the most trusted suppliers in the global liquidity planning industry to devise, develop and deliver custom solutions to meet your needs, including:

• Offshore bonds
• Critical illness cover
• Whole of life planning
• Universal life planning

Your wealth advisory specialist can also incorporate liquidity planning into your estate and wealth structure, providing liquidity during times of uncertainty.

Family Offices

Family Offices require a high level of support. We focus our expertise in one place to help you manage your office’s complex finances, with your dedicated Private Banker as your single point of contact.

We can help you:

• Establish and develop your Family Office
• Review current Family Office structures and solutions
• Connect with other Family Offices for investment opportunities

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