Planning Beyond One Generation
A more connected approach to family wealth.We invite you to explore the potential benefits of family pricing as part of your family’s wider financial picture.
As your family grows, your financial needs change too.
As your family grows and life changes, your financial needs change too. You may be planning for your children’s future, supporting ageing parents, managing investments with your spouse or partner, or thinking about how your wealth will eventually be passed on.
Looking at these decisions together can give you a clearer picture of your family’s finances and where there may be opportunities to plan more effectively.
At Carrick Wealth, we can help you look at the bigger picture, understand how your family’s financial arrangements fit together and explore options that make sense for your individual circumstances.
What is family pricing?
If you and members of your family hold investments on the same eligible investment platform, you may be able to benefit from family pricing, also known as family linking. In simple terms, this means that the platform may take eligible family investments into account together when calculating certain administration fees. Depending on the platform’s rules and your family’s investment arrangements, this could reduce the administration fees payable.
Your investments stay yours
Your investments are not pooled together, and ownership does not change.
Advice stays individual
Each family member retains their own investments and receives advice based on their individual needs and goals.
It isn’t automatic
Family pricing is not automatic, and the potential benefit will depend on the platform, the eligible investments and the applicable requirements.
You don’t need to have all the answers before starting the conversation.
The first step is understanding how everything fits together and where a closer look may be worthwhile.
Request a family wealth conversation
Speak to Carrick Wealth about your family’s financial arrangements and whether a more connected approach to family wealth planning could benefit you.
Leave your details and a Carrick Private Wealth Manager will be in touch.
Family wealth planning brochure
Read more about a connected approach to family wealth, at your own pace or with your family.
Carrick Wealth Family Planning Brochure 2026 · PDF, 1.2 MB
Download the brochure