Penttia Group
For families

Wealth planning and protection

In many family businesses the owners' wealth and the company's are the same thing: the house secures the credit line, the accounts run into each other, and succession has never been discussed. It works until it stops working —a lawsuit, a downturn, an unexpected death— and by then it is too late to separate them. This line exists to do it in time.

On this page
01Tax analysis02Planning vehicles03Succession plan

A family's wealth takes thirty years to build and a week to fall into disorder.

What this line covers

Tax analysis

What you pay today and what you would pay in each scenario

Before moving anything, you have to understand where things stand: what tax the family's and the company's current structure generates today, and what would change on a sale, on bringing in a partner, on distributing profits or on inheritance. The point is not to pay less at any cost, but to avoid surprises in the transaction already on its way.

What you get
  • The current tax position of the owners and of the company.
  • The tax effect of each scenario: sale, new partner, distribution, succession.
  • Alternatives within the law as it stands, with their cost and their risk.
  • Coordination with your existing accountants and lawyers.

Planning vehicles

Separating the family's wealth from the risk of the business

A holding vehicle stops the family's wealth from answering for whatever happens in the business, and means an incoming investor does not force the owners' personal accounts open. We define which vehicle fits the case, what goes into it, and how control looks afterwards.

What you get
  • A recommended vehicle, with the reasoning for that choice over the others.
  • The holding structure and the governance of the vehicle.
  • Support through incorporation and the transfer of the assets.
  • A review of the effect on existing credit lines, guarantees and obligations.

Succession plan

So the handover is not decided in the middle of a bereavement

Succession is not only about dividing assets: it is about deciding who leads, with what authority, and what happens to the heirs who do not work in the company. Written down and agreed calmly, it is a protocol. Improvised, it usually ends in a dispute between siblings with the business at a standstill.

What you get
  • A family protocol, agreed with the parties and in writing.
  • Rules for family members joining, staying in and leaving the company.
  • The leadership handover defined, along with its authority.
  • Coordination with the will and whatever legal instruments apply.
Frequently asked

What people usually ask us

Is this only for large estates?

No. What creates the need is the entanglement, not the size: a mid-sized company with the owners' house mortgaged against the business line of credit is more urgent than a large estate that is already in order.

Do you replace my accountant or my lawyer?

No. We work with your existing advisers, who know the history. What we add is the transaction's point of view: how this structure looks from the side of whoever is about to invest or buy.

Should this be done before looking for investors?

That is the recommendation. Reorganising wealth with a negotiation underway raises awkward questions and can delay the close. Done beforehand it is planning; done during, it looks like something else.

What if the family does not agree?

That is normal at the start, and it is precisely why this is better done before there is an urgent decision on the table. A protocol is built through conversation; it is not handed over pre-written.

Let us look at where your wealth stands today

Tell us how the family's wealth and the company's are organised today. With that we can define the scope of what it would take to separate them.

Other lines

We also work on

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Readiness and structuring

Pre-investment assessment, business valuation and deal structuring.

For companies

Capital raising

We present your company to investors and buyers with a matching thesis, and stay with the negotiation through to closing.

For investors

Sourcing and diligence

Businesses for sale and curated investment opportunities, verified across five dimensions, with due diligence support so you buy with the full picture.