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OUR PEOPLE Search Our strength lies in our people whose expertise and commitment enable us to provide a top quality pro-active tailored service in every office. By forename... Select person... By surname... Select person... By expertise... Select expertise... Reset Filters Laura McCarthy Finance Director ​ ​ Laura is finance director of the Guernsey office where she also leads a team of accountants providing a range of financial reporting services to trust, company, and investment clients. Laura has worked within the Guernsey financial services industry for over 20 years. She joined Rawlinson & Hunter in 2009 and specialises in providing accounting services and bespoke wealth reporting for international family structures. Laura is a practising member of the Institute of Chartered Accountants in England and Wales and a member of the Institute of Directors. Expertise

OUR PEOPLE Search Our strength lies in our people whose expertise and commitment enable us to provide a top quality pro-active tailored service in every office. By forename... Select person... By surname... Select person... By expertise... Select expertise... Reset Filters Karen Higgins Partner ​ ​ Karen joined the Guernsey office in 1999 and was appointed as a director in 2013. With over 21 years of fiduciary experience, Karen leads an administration team delivering private client services to an established and developing global client base. Karen specialises in the provision of fiduciary services, including cases incorporating family office style support, to UHNW families holding a variety of asset classes and charitable trusts. Karen is a member of STEP. Expertise

OUR PEOPLE Search Our strength lies in our people whose expertise and commitment enable us to provide a top quality pro-active tailored service in every office. By forename... Select person... By surname... Select person... By expertise... Select expertise... Reset Filters Alasdair Cross Managing Director ​ ​ Alasdair is senior partner and managing director of the Guernsey office. He specialises in private client trust work with a particular emphasis on structures for international families. Alasdair has worked in the fiduciary sector for over 30 years, with additional experience of acting as a trustee of charities and NPOs and as a protector for family trusts. He has also acted as a director of investment funds. Alasdair joined Rawlinson & Hunter in Guernsey in 2007 and became a partner in 2008 and senior partner in 2011. Previously, he spent 16 years working for Barings (now Northern Trust) in Guernsey, latterly as an executive director of its trust company, where he was responsible for private clients and was Chief Fiduciary Officer. Alasdair was educated at Elizabeth College, Guernsey and graduated in Law from Oxford University. He features in the Citywealth Leaders list in the Leading Trustees – Guernsey – Prominent Figures category and is a member of STEP. Expertise

CLEAR ADVICE IN A COMPLEX WORLD A personal, tailored service Tell me more about your... Services Select Service Captive Insurance Charities Estate Planning Trusts & Foundations Wealth Reporting Corporate Family Office Managed Trust Companies Private Trust Companies I'm looking for... People Alasdair Cross Karen Higgins Laura McCarthy

TRUSTS & FOUNDATIONS Trusts and foundations, which are frequently used in conjunction with companies, can play a key role in the wealth management needs of individuals, families and corporates. ​ Carefully planned and structured, they can enable clients to preserve, protect and accumulate wealth, whilst minimising or deferring exposure to tax. ​ Various types of trusts and foundations have been developed and the most suitable structure will depend upon each client’s unique circumstances. With offices in many of the jurisdictions featuring trust and foundation laws, we are well placed to meet most client requirements. ​ We assist our clients (in conjunction with their own professional advisers) on the formation, administration and management of trusts, foundations, partnerships and companies. Our private clients range from the small family trust to large complex international family offices, while our corporate clients range from small family businesses to top 100 international public companies. ​ The provision of trust and foundation services is one of our core lines of business and has been for so many years. We take the time at the outset to understand our clients’ requirements and expectations to ensure that we develop the right relationship and the optimal solution. ​ As we are completely independent, we are not tied to any other service provider which allows us to offer our clients unfettered choice in selecting and working with third party service providers and professional advisers. We aim to offer the highest level of personal service as our culture is all about building long term relationships. Many of our clients have been with us not just for years, but for generations. Our Specialists

CHARITIES Many of our clients engage in charitable giving. This will often be through donations directly to individual charities, but some of our clients seek our help and guidance in forming and running their own charities, charitable trusts and foundations. ​ We can help at every stage of a charity’s life, from advising on its creation and structure and, where necessary, on how to bring it to an orderly end, while assisting the trustees with its administrative, accounting, regulatory and compliance needs in its lifetime. ​ We also have extensive experience in advising on all aspects of regulatory audit and independent examination requirements of charities and can deliver a wide range of related services to those involved in charitable giving both in the UK and around the world. Our expertise derived from servicing this wide range of clients has enabled us to build a multi-skilled team, whose members understand the issues that matter to you. Our Specialists

CORPORATE TBC Our Specialists

ESTATE PLANNING Estate planning demands a detailed appreciation of the circumstances of each client and the flexibility to respond to their wishes. Our emphasis on client relationships has enabled us to build a considerable reputation in this area. ​ Regular reviews of the estate and detailed illustrative calculations of potential liabilities keep our clients aware of opportunities available to them, while our international focus allows us to advise clients with assets in multiple jurisdictions. Frequent discussions with the client and the client’s family ensure that we are aware of their wishes as they develop and can act in their best interests. ​ For UK connected clients, the inheritance regime provides excellent opportunities to plan estates and protect family wealth through the use of lifetime gifts, trusts, family limited partnerships and careful consideration of wills. ​ Our expertise in tax planning means that we are an excellent choice for clients wishing to draft their wills in a tax efficient manner. Our partners are also experienced in acting as executors, alone or with family members or lawyers. We have all the necessary experience to deal with the administration of the estate, from the initial application for probate to the final distribution. The close relationships we build up with our clients mean that we can deal effectively with any sensitive family issues that arise. Our Specialists Karen Higgins Partner E: ​ T: ​ View bio... Laura McCarthy Finance Director E: ​ T: ​ View bio... Alasdair Cross Managing Director E: ​ T: ​ View bio...

CAPTIVE INSURANCE Captive insurance companies, generally, insure or reinsure the risks of parents and other related companies only, often using an onshore commercial insurer to cede the business to the captive. The advantages are generally as follows: Retention in the captive of underwriting profits Retention in the captive of investment income Better use of loss control procedures when losses are retained Better access to the reinsurance market for retrocessions Centralised control of worldwide risk management Provision of insurance that is otherwise not available or prohibitively expensive ​ There may be numerous other advantages for the formation of a captive depending on a corporation’s structure and risk profile. The captive movement continues to grow worldwide and there are now numerous jurisdictions offering facilities. Bermuda and Guernsey have for many years been the jurisdictions of choice for the establishment of captive insurance companies. ​ We manage a number of captive insurance companies and are licensed to form and seek regulatory approval for such companies in both Bermuda and Guernsey. Our Specialists

OUR PEOPLE Search Our strength lies in our people whose expertise and commitment enable us to provide a top quality pro-active tailored service in every office. By forename... Select person... By surname... Select person... By expertise... Select expertise... Reset Filters

FAMILY OFFICE TBC Our Specialists

MANAGED TRUST COMPANIES TBC Our Specialists