Harness intergenerational wealth with the help of cash

Cash as a Bridge in the Inter-Generational Wealth Transfer

There’s no doubt that financial advisers have played a significant role in helping older generations grow their wealth over the past few decades. Now, we’re approaching a pivotal moment—what’s expected to be the largest inter-generational wealth transfer the UK has ever seen.

This upcoming transfer represents both a challenge and an opportunity for advisers. In this article, we explore how a cash management service like Insignis Cash Solutions can help you build early relationships with beneficiaries and position your practice for long-term growth.

A Generational Shift in Wealth

Wealth transfers between clients and their beneficiaries are already substantial. In 2017 alone, transfers totalled £69bn. According to Kings Court Trust, an estimated £5.5 trillion is expected to pass between generations over the next 30 years—a level of transfer never seen before.

So, why now?

• Older generations are living longer
• They’ve retained assets longer, increasing overall returns
• Asset values, particularly in property and pensions, have grown significantly

This means preparing for the next generation is no longer just a long-term consideration—it’s an immediate planning opportunity.

The Advisory Challenge: Building Relationships Early

One of the greatest challenges for advisers is establishing meaningful relationships with clients’ beneficiaries before the wealth transfer happens. These conversations can be sensitive, and starting them is not always straightforward.

At Insignis, we believe cash can act as a powerful entry point—serving as a practical, neutral asset that allows both parties to engage without the complexity of broader portfolio conversations at the outset.

Why Cash?

Cash plays a unique role in wealth planning. It’s:

• A familiar, accessible asset for all parties
• Often held within trusts or as part of an estate planning structure
• Commonly managed by Powers of Attorney, often the next generation
• A shared starting point for building trust and financial understanding

By introducing a cash management service early in the relationship, advisers can:

• Position themselves as a valuable resource to both clients and their families
• Involve beneficiaries in financial planning before assets change hands
• Help ensure clients’ deposits are earning competitive returns across selected deposit-takers

A Holistic Approach to Families and Trusts

At Insignis Cash Solutions, we view families and their associated trust structures as a single relationship. This means:

• We manage cash portfolios across generations in a coordinated way
• Our fee structure reflects the total funds under direction
• Every family member involved can benefit from the service’s structure and support

Looking Ahead

The inter-generational wealth transfer of the coming decades represents the largest shift of assets in UK history. By starting the relationship-building process early—and using cash as a foundation—advisers can create continuity, build trust with future clients, and ensure they remain central to the family’s long-term financial planning.

If you’d like to explore how Insignis can support you and your clients during this transition, we’d be happy to help.

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