The challenge
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 key situations
Different situations. One common challenge: the need for liquidity at the right time.
From financial structure to succession liquidity.
A structured approachfor a more certain tomorrow.
01Assess
We start by understanding how your wealth is held: the assets and debts involved, how ownership is structured, and the amount of available liquidity. We then identify the potential financial pressures on your family or business during succession.
02Quantify
We estimate how much liquidity your family or business may need, who needs it, and when. We consider applicable taxes, debts, business requirements and family arrangements, then compare these needs with the funds that could actually be available.
03Design
Based on this assessment, we design a liquidity strategy suited to your family’s needs and resources. We consider costs, timing, flexibility and capital efficiency, aiming to fund succession needs within the chosen solution’s terms and your ability to sustain it.
04Coordinate
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.
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.
The Riches & Guards Knowledge Hub is being built as a growing intelligence platform around succession, wealth transfer and succession liquidity.
Latest Articles
It brings together:
Knowledge Hub
The objective is to deal with succession-related questions from a 360-degree perspective, whether they involve:
The Knowledge Hub is still being developed and will become available progressively in stages.
Latest Videos
Where the available data and verified rules allow, the Knowledge Hub is being designed to connect the relevant information and provide:
These outputs are intended to give founders and their advisers a clearer and more structured understanding of the issue, helping them evaluate the situation and determine what may require further professional consideration.
The Knowledge Hub is still being developed and will become available progressively in stages.
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.
