01Assess
Assess the Financial Structure
We review your assets, ownership arrangements, debts, guarantees and available liquidity. This helps us identify where financial pressure could arise for your family or business during succession.
Liquidity for Succession. Continuity for Generations.
The challenge
The Succession Liquidity Gap
Wealth is not simply a financial value. It is a structure made up of businesses, investments, real estate, liquid assets and other components.
When the transition begins, the family does not only need to transfer ownership. It also needs sufficient liquidity to manage the obligations and decisions surrounding that transition.
This is what we call the Succession Liquidity Gap: the difference between the liquidity available to the family and the liquidity actually required during succession.
If that gap is not anticipated, it can place the family under significant financial pressure and may lead to decisions that affect the value of the wealth.
Four Main Situations
When Does This Become a Problem?
Succession can create a need for liquidity in many different situations. Here are four of the main ones, each with its own obligations, timing and funding needs.
- Case 01
Inheritance Tax
When tax is due, liquidity may be unavailable.Explore each case - Case 02
Bank Facilities & Personal Guarantees
Bank facilities may need new guarantees or additional liquidity.Explore each case - Case 03
Business Continuity & Buyout Funding
Liquidity may be needed to sustain operations and fund buyouts.Explore each case - Case 04
Family Equalization & Fair Distribution
Liquidity can support fair distribution when assets are difficult to divide.Explore each case
How Riches & Guards Helps
Preparing liquidity to support your succession plan.
Our approach follows four connected stages, helping your family prepare for its liquidity needs while building on the arrangements already in place.
02Quantify
Quantify the Liquidity Need
We estimate how much liquidity your family or business may need, and when. We compare these needs with the funds that could actually be available at each stage to identify any succession liquidity gap.
03Design
Design the Liquidity Strategy
We design a strategy suited to your family’s needs and resources. Depending on the solution, the capital commitment may represent a limited proportion of the liquidity provided, with costs, timing and ongoing obligations taken into account.
04Coordinate
Coordinate With Existing Advisers
We work alongside your existing advisers, including lawyers, tax advisers, private banks, your family office and trustees where relevant. We align the liquidity strategy with your existing arrangements and clarify everyone’s responsibilities and the steps needed for coordinated implementation.
Riches & Guards complements the family’s existing advisory structure. We do not seek to replace it.
Who We Work Alongside
Riches & Guards works directly with founders, business owners, and individuals and families with substantial wealth across different wealth levels when they face a succession liquidity need. Depending on the founder’s preference and the circumstances of the case, we may work directly with the founder or alongside the advisers already involved. These may include family offices, trustees, lawyers, tax advisers, private banks and other specialists. In some cases, the founder approaches us directly.
In others, an existing adviser identifies a succession liquidity need and introduces Riches & Guards as a specialist focused on that specific requirement.
- 01HNWIs and Families
- 02Business Owners
- 03Family Offices
- 04Trustees
- 05Lawyers and Tax Advisers
- 06Private Banks
Insights for a More Certain Tomorrow
The Riches & Guards Knowledge Hub is being built as a growing intelligence platform around succession, wealth transfer and succession liquidity.
Latest Articles
Explore the latest articles, reports and analysis from Riches & Guards on wealth transfer, inheritance tax and legal developments worldwide affecting succession and related matters.
Knowledge Hub
A clearer view of wealth transfer
We are developing a platform that connects succession rules across multiple jurisdictions, helping families and advisers understand their implications and estimate potential taxes and financial obligations.
- Understand the Rules
- Identify Obligations
- Compare Scenarios
- Estimate Taxes & Financial Obligations
Features and jurisdiction coverage will become available progressively.
Latest Videos
Watch Ghassan Obeid, founder of Riches & Guards, explain wealth transfer, inheritance tax and how legal changes worldwide can affect families and their succession arrangements.
Features and jurisdiction coverage will become available progressively.
About
It was founded around one specialist question:
How families fund the transition of wealth from one generation to the next.
Riches & Guards is a founder-led specialist firm focused on Succession Liquidity for HNW families, business owners and internationally connected families.
Through years of work, Ghassan Obeid identified a recurring challenge: substantial wealth and sophisticated structures do not always mean that sufficient liquidity will be available when succession occurs. That observation became the foundation of Riches & Guards.