Families in Transition

For families making financial decisions at the moment everything changes.

A business sale. A separation. A serious diagnosis. A move to another country. These events reorganise a family’s financial position completely, and they arrive with a short window in which the important decisions are made, usually while the family is least equipped to make them.

The cost of a decision taken in the first weeks of a transition is rarely visible at the time and is frequently permanent. Independent advice at the moment of transition, rather than six months afterwards, is the single most valuable intervention in this work.

Scenario 1

A liquidity event

A business or a substantial property has been sold, and a position built over 20 years has become a single cash balance. The pressure to deploy it quickly is considerable, and it comes from every direction at once. The right sequence is to hold, establish what the capital now has to fund, set the allocation and the currency split deliberately, and then move in stages. Proceeds also carry a tax question that is settled before the transaction rather than at filing.

Scenario 2

A separation or divorce

The financial position has to be established accurately before anything is divided, and in Nigerian families that frequently means valuing a business, tracing assets held in several names, and understanding how the form of the marriage affects what is treated as shared. Your lawyer handles the legal process. We provide the financial picture the negotiation depends on, and afterwards we help rebuild a plan around what remains.

Scenario 3

A change in health, or a move abroad

A diagnosis raises questions about income if you stop working, about who is authorised to act if you cannot, and about whether cover written years ago still pays what it needs to. A move changes tax residence, and residence now determines whether Nigeria assesses your worldwide income. Both are considerably easier to address before the change than after it.

What we do here

Establish the financial position accurately and quickly, which in a transition is worth more than any recommendation that follows it.

Hold the capital in appropriate short-dated instruments while decisions are made, rather than committing under pressure.

Coordinate with the lawyers, tax advisors, and specialists the situation requires, in every relevant jurisdiction.

Rebuild the plan around the position as it now stands, including cover, estate documents, and nominations, all of which are typically out of date after a transition.

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