What We Do

Private wealth advisory covers far more than investment planning. For families at the level of wealth WealthHat serves, every financial decision, how a business is structured, how an estate is documented, where assets are held, how currency exposure is managed, has implications across multiple dimensions simultaneously. Our work with clients addresses all of them.

Investment advisory and portfolio construction

Portfolios Built for Your Situation

We construct portfolios around your timeline, income requirements, tax position, currency exposure, and the producing assets you need to reach your freedom number. We advise on asset allocation, select investments across asset classes, and rebalance with your approval as your situation and markets evolve. We work across Nigerian equities and fixed income, international equities and bonds, private credit, and alternative assets.

Estate planning advisory

Building an Estate That Transfers Smoothly

Most Nigerian HNW families have built substantial wealth without a succession plan that reflects their current assets and family structure. Nigerian inheritance law operates under three parallel frameworks — statutory, customary, and Sharia — and the consequences of dying without a properly executed will differ significantly under each. We work with your legal advisors to ensure your estate plan is documented, current, and structured to transfer without dispute.

Financial freedom planning

The Freedom Number

Financial freedom is a specific calculation: the total producing assets required to generate the income that funds your life without depleting the principal. We begin every client relationship by establishing this number precisely, then building the plan to reach it. This means understanding your true monthly outflow, your timeline, your existing asset base, and the realistic return assumptions for a Nigerian investor with cross-border exposure.

Offshore and cross-border structuring

Coordinating Wealth Across Jurisdictions

For Nigerian families with assets in multiple countries, offshore bank accounts, international property, foreign pensions, US equities, and business interests in multiple jurisdictions, the coordination challenge is significant. We work alongside legal and tax advisors in each relevant jurisdiction to ensure the overall structure is coherent, tax-efficient, and properly documented. Our partner network covers Switzerland, London, Dubai, Mauritius, Jersey, Guernsey, Isle of Man and BVI.

Insurance advisory

Protecting What Has Been Built

Most HNW families are significantly underinsured for the specific risks they face: key-person risk on the business, inadequate life cover to fund an estate transition, no critical illness cover calibrated to their actual expenses, and international health cover gaps for those who travel or live between jurisdictions. We audit existing cover against actual exposure and advise on appropriate structures.

Educational planning

Structuring the Cost of International Education

For families with children in international schools or universities in the UK, US, or elsewhere, the cost profile is significant and currency-exposed. A child beginning a UK university programme today commits to four years of GBP-denominated tuition and living costs. We help families structure this provision in advance, in the appropriate currency, so it does not disrupt the broader financial plan.

If this raises questions about your own situation, we would be glad to begin a conversation.

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