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Trusteeship

Preserve your wealth and legacy to last for generations.

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WHAT WE PROVIDE

We play a key role in major financing transactions and protect the interests of lenders and investors. We also keep custody of assets, documents, rights, shares, funds and other holdings in financial transactions.

Our structure is designed to exploit market opportunities that enable us provide best-in-class services to our wide array of clients.

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OUR SERVICE SUITE

Estate Planning

estate planning
  • EDUCATION TRUST: is a Trust arrangement that clearly specifies that the Trust funds should be used for the education of its beneficiaries. We help tailor the Trust Deed according to the Grantor’s preference and wishes for the named beneficiaries
  • PIT: this product enables individuals save and invest their funds and includes a simple Trust Deed that caters to beneficiaries in case of predicaments
  • MUDARABAH INVESTMENT SCHEME: The MIS is an Investment Scheme that pools funds from contributions for investment in eligible Halal instruments on behalf of participating clients. The funds are managed by a Sharia-Compliant Fund Manager via a nominee relationship with United Capital Trustees
The structure could be in form of a company or advisory firm that provides comprehensive financial, real estate, investment planning options, including budgeting, insurance charitable giving, wealth transfer and succession planning, compliance, governance and tax services.
is a Trust arrangement created by a Testator through Wills, for the benefit of beneficiaries upon his death. We ensure professional management of the assets of the deceased testator
where the Trustee is a named executor of the estate, the Trustee ensures that the wishes of the testator as stipulated in the governing document are strictly adhered to
Our services extend to the procurement of Letters of Administration and Grant of Probate after the death of the Testator, for the beneficiaries as they require an instrument of authority to claim the assets of the deceased
  • LIVING TRUST: are created through Trust Deeds or by a Declaration of Trust and take effect during the lifetime of the Settlor as against the Testamentary Trust. The benefits include speed and confidentiality of execution of Estates, reduction of administrative costs, tax efficiency, elimination or reduction of disputes/acrimony over entitlements as well as the opportunity for a test run during the lifetime of the Settlor
  • INTERVIVOS/TESTAMENTARY TRUST: The difference with living trust is that it takes effect after the death of the Testator. It is equally tax efficient, confidential, speedy and minimalizes acrimony over entitlements
  • BLIND TRUST: is a fiduciary arrangement where the trustee manages assets without the beneficiary’s knowledge of the trust’s investments or decisions.
  • DISCRETIONARY TRUST/NON-DISCRETIONARY TRUST: The settlor can decide whether or not to give the trustees discretion over how and when the his assets are to be distributed
  • DIASPORA TRUST: This product is mainly designed for Nigerians in the diaspora. With our Nigerian Diaspora Trust, we help bridge the gap and create a higher value as you can complete your projects or meet obligations back home with no worries through our professional and highly effective Trust arrangements aimed at translating your desires into reality and seamlessly retaining value for your beneficiaries
  • COOPERATIVE TRUST: Cooperative Societies, Estate Associations and Alumni associations and like associations can make contributions into a designated Trust Account with a liaison officer nominated by the association
  • CHARITABLE TRUST: A trust set up to benefit charitable causes. We assist with management of your assets to fulfill your philanthropic goals.
    • ENDOWMENTS: An invested fund set up to provide long-term support for a specific nonprofit organization or cause.
    • FOUNDATION: An independent legal entity that supports charitable causes through grants and other resources.
  1. CORPORATE BOND: We act as trustees to debt security issued by a corporation to raise capital
  2. LOAN SYNDICATION/CONSORTIUM: we advise on a security structure for the transaction which will support affordable costs within the ambit of the law in Loan Syndication/Consortium lending transactions.
  3. DEBENTURE: We advise on debt instruments with fixed interest rate
  4. ESCROW AGENCY: we are fully equipped to hold confidential original Title Deeds for the benefit of the parties.
  5. SECURITIZATION: We advise on the conversion of assets into securities that are sold to investors, often to raise capital.
  6. NOTE ISSUANCE: We also advise on the creation and selling of short-term debt instruments (notes) to raise funds.
  7. COLLECTIVE INVESTMENT SCHEME: We act as Trustees to various Collective Investment Schemes (Mutual Funds and Real Estate Investment Trusts), providing our clients with security on their investments. As Trustees, we monitor Fund Managers’ activities to ensure compliance with the Trust Deed, Prospectus and relevant regulations.
    • MUTUAL FUNDS: Investment funds that pool money from many investors to buy a diversified portfolio of stocks, bonds, or other securities.
    • ETHICAL FUND: A fund that invests based on ethical guidelines, excluding companies or practices that do not meet certain moral criteria.
    • INFRASTRUCTURE FUND: An investment fund focused on assets related to infrastructure projects, such as roads, bridges, and utilities.
    • REAL ESTATE INVESTMENT FUND: A fund that invests in real estate properties or real estate-related securities to generate income and capital gains.

Corporate Trust

Public Trust

signing a trust deed

We act as Trustees to Bonds and Notes issued by the Federal, State, Local Governments and Corporate institutions wherein we secure and protect the interest of the Bondholders or Noteholders and monitor Issuer activities in order to ensure compliance with the Trust Deed, the Securities and Exchange Commission Rules and the Investment and Securities Act, 2007.

  1. SUB-NATIONAL BOND: A debt security issued by a state government
  2. PRIVATE SUB-NATIONAL BOND: A debt security issued by a state government entity and sold to private investors rather than the public.
  3. FGN BOND: A debt security issued by a national government
  4. AGENCY BOND: A debt security issued by a government agency or a government-sponsored entity
  5. MUNICIPAL BOND: A debt security issued by a local government
  6. SUPRANATIONAL BOND: A debt security issued by international organizations or institutions that operate across multiple countries

LEADERSHIP TEAM

Michael Abiodun-Thomas

MICHAEL ABIODUN THOMAS

MD/CEO Trustees

BOLARINWA TITILOYE

Head, Institutional Trust

Ezekiel Folahan

EZEKIEL FOLAHAN

Team Lead, Trust Finance

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JOSEPH ONYEMA

Head, Group Enterprise Performance Management
Joseph Onyema
Joseph is the Head, Group Enterprise Performance Management at United Capital Plc.
Over the last 16 years, Joseph has worked with and led teams whose responsibilities cut across a major spectrum of technology transformational and retail growth projects and consultancy. Joining the group in 2017, Joseph started out leading the technology team for 5+ years in the position of the Group, Chief Information Officer, a role in which his focus on execution to reposition the business was exemplary, hence leading to increased digital presence, retail growth and improved revenues, with keen focus on our growth during the COVID-19 pandemic where the business was run totally virtual and saw outstanding growth in customers, revenue and profitability.​
Leveraging on his education, performance, experience and spirit of execution, Joseph transitioned to the Group Head, Enterprise Performance Management, where he brings his analytical and technological prowess coupled with his background in managing teams and businesses to bare in monitoring and tracking business units and employees performances, while helping them to improve in their performance and ensuring the group continues to win in all its endeavours.
Before joining United Capital, Joseph headed the Group Technology Operations at Cordros Capital Limited where he transitioned the business from a High Net-worth Individual (HNI) focused business to retail-focused business with total leverage on technology to drive B2C sales across verticals while exploring new markets and partnerships. Prior to Cordros Capital, he had led the Enterprise & Cloud Services team at Soft Solutions Limited, an IT Consultancy firm with a footprint across 15 Nigerian banks on enterprise security, cloud projects, and consultancy where he developed, deployed, and led support teams to manage several financial and FMCG application suites.
A Tony Elumelu entrepreneur from 2016 before joining the group, and a member of the prestigious Beta Gamma Sigma international business honor society, continues to reinvent himself and deliver exceptionally to the United Capital family.