Estate Planning


We are experts at helping you to set up the simplest and most efficient way to pass on your property, titles and money to your chosen beneficiaries.


Here at Whitmore we understand that providing for your loved ones in the event of your death is one of the most important things in life. Taking out a life insurance policy is a good option which should provide your beneficiaries with a steady income, but it is also vital that you ensure that any funds or assets that you hold are distributed in a suitable manner and benefit the people you choose through the making of a Will. This can be an arduous process and a thorny issue with several different concerns. This can be an even more complicated process for expats, since the laws which govern a person’s estates and assets will be different depending on their home nation and the country they are residing in.


Your ‘moveable estate’, such as cash in your accounts and personal items, can be covered by a Will made in your home country and will include monies in foreign accounts. However, an expat’s ‘immoveable estate’, such as land and buildings, will be subject to the laws of the land where the estate is located, which means that if you own assets in different jurisdictions, then you may need to make several different Wills. This requires coordination so that the different Wills do not contradict one another.


It is important to consider taxation since this also varies depending on the asset involved. It can often be the case that, unless there is a Double Taxation Treaty between your home nation and the one you are residing in, Inheritance Tax will be liable in both countries. If you have young children, it is also important to think about the naming of the guardians since some jurisdictions will not allow the Will of your home nation to prevail.


You need to:

  • Create an expat Will
  • Name the Guardians of your dependents
  • Name the Executor of your estate
  • Set up financial structures, such as Trusts, in order to minimize taxes


Every expat will have a unique set of circumstances – depending on their situation, assets and country of residence – which will affect the type of Will you need to make. Our Whitmore consultants can help you to navigate through this convoluted area and achieve peace of mind that your loved ones will be secure in the event of your passing.


For further information and independent advice, please contact one of our Whitmore advisors.


51% of Americans between 55 and 64 years old don’t have a will.

While middle aged Americans don’t have a particularly high rate of mortality, our bodies become more vulnerable to infection and disease as we age, and we can’t predict when and how accidents might affect us. Hardly a week goes by without the news of some high-profile celebrity in this age range dying, often without warning. If it can happen to them, it can happen to any of us.


92% of American adults under 35 have never drafted a will.

Those under the age of 35 are less likely than their elders to die of disease or natural causes, but they may be just as prone to accidents and other sudden deaths. Furthermore, many people have children by the time they reach 35, meaning they will be leaving dependents if they die young.