Emerging HNW
Explore how the HNW client experience diverges from the retail journey — where products shift in value, which structures become essential, and how reporting complexity scales with wealth.
The divergence point is broadly £500,000 in investable assets — though complexity (trusts, business interests, offshore assets) can trigger HNW-level reporting at lower values. At this threshold, products like DMS, offshore bonds and estate planning structures shift from optional to essential.