Structuring wealth for stability and diversification: Insights for US UHWNIs

In a world marked by geopolitical uncertainties and fluctuating economies, wealthy individuals in the United States are increasingly seeking ways to secure their financial future. For many, this involves diversifying their assets beyond traditional dollar-denominated portfolios and structures and exploring international jurisdictions. These financial manoeuvres are driven by an overarching desire for stability, safety, and diversification, as the evolving global landscape challenges preconceived norms of economic predictability.

In the below article, Andie Taylor, Private Client Director – Guernsey and Michael Harman, Commercial Director – Crown Dependencies and UK, explore how UHNWIs might approach some form of diversification through structuring assets outside of the US and how Ocorian can support in doing so.

Structuring wealth internationally

Stability amid uncertainty

For wealthy families based in the US, the pursuit of stability is paramount. Traditionally regarded as a bastion of economic reliability, the US dollar and associated markets are now increasingly perceived as vulnerable to unpredictable shifts. The first quarter of 2025 has led to heightened concerns about the potential volatility of domestic assets. This sentiment is reflected in a growing move to establish financial havens outside of the US, where wealth can be safeguarded against domestic risks and uncertainties.

Diversification beyond borders

Another key driver for wealthy US individuals is the diversification of their portfolios. By allocating assets to jurisdictions outside the US, they reduce their exposure to domestic currency fluctuations and broaden their financial landscape. This diversification can include foreign currency-denominated investments or real property, all of which contribute to mitigating the risks inherent in a single-market dependency.

Safety and risk management

Safety remains an intrinsic motivator for wealthy families aiming to structure their wealth internationally. Beyond the political and economic stability that many jurisdictions promise, the ability to geographically and economically distance oneself from potential risks in the US provides an added layer of security. For some, this is not merely about moving away – it’s about creating a global strategy where wealth is strategically positioned to weather any form of crisis.

Why consider options beyond the UK?

While the UK has historically been a popular destination for US families seeking to structure their wealth internationally, the shifting global landscape has prompted many to explore alternatives. The UK itself is undergoing changes in its own financial, tax and regulatory environment and this has opened doors to other jurisdictions that may offer similarly robust options for asset structuring and management. Take a look at Ocorian’s global solutions and how we can support regardless of where you or your assets are located.

How Ocorian can support in wealth structuring and diversification

Expertise across jurisdictions

Ocorian offers unparalleled knowledge and expertise across the Americas, Channel Islands, the UK, the Middle East, Asia and Africa, providing wealthy US individuals with tailored solutions for their wealth structuring needs. Whether you wish to diversify to future-proof your structure or explore asset preservation strategies in alternative jurisdictions, Ocorian’s Private Client team are equipped to guide you at every step.

With US clients in mind, Ocorian can offer an experienced team who routinely serve as trustee for Foreign Non-Grantor Trusts and are also able to provide US tax advisors with the required financial information (including beneficiary statements and other data required for Form 3520) in a US-specific format for tax and information filings. Typical US structures often include foreign and domestic trusts, with a domestic trustee provided through an LLC acting in its capacity as a  Private Trust Company (PTC), holding both domestic and internationally based assets.

Tailored financial solutions

Understanding the unique needs of US families, Ocorian offers bespoke solutions that align with your financial goals and concerns. From establishing trust structures to diversifying assets internationally, we ensure that your wealth is optimally positioned for growth and security. This level of customisation allows families to safeguard their legacy while navigating through complex global financial landscapes.

Global reach, local expertise

Ocorian combines global reach with local expertise, offering insights into the nuances of specific markets. Whether you’re considering jurisdictions within Europe, the Americas, Asia, or beyond, Ocorian’s team provides a deep understanding of regulatory frameworks, market trends, and opportunities across the globe.

Reach out to the Private Client team

As US individuals continue to consider stability and diversification outside their domestic markets, the importance of strategic wealth structuring cannot be overstated. Ocorian acts as a strategic partner to family offices, family businesses and UHNWIs, equipped to navigate the complexities of international wealth structuring and administration.

For more information on how Ocorian can support you throughout your wealth lifecycle as your assets grow and cross borders, reach out to the team.