Trust assets are owned by trustees and managed according to a trust deed. This silo comprises all assets owned in a trust structure, wherever they may be in the world. The Trust Deed, the Trustees, Letter of Wishes and the definition of the beneficiaries.

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Estate assets are owned by a living human being, is subject to marital regimes and the succession managed by an executor in terms of a will or in terms of the intestate succession rules or forced heirship rules.

The assets owned directly by the individuals in the family, are subject to death duties and taxes, marital regimes and personal risk. The transfer logic in this silo is governed in a will, ante nuptial agreements and a host of personal relationships.

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Company assets are owned by the company itself, managed by directors and subject to the memorandum of incorporation.

Assets held in companies belong to the company, not the owner of the shares. The company itself as well as the relationships and agreements between shareholders require specialist attention.

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Life and Pension assets are managed by trustees of these funds and subject to policy rules and beneficiary nominations.

Pension, provident and retirement annuity funds as well as the proceeds of life cover is governed by very specific legislation, policies and beneficiary nominations.

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