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Holding OS, Family Management
ModulesWhat changedGet Holding OS · £70.80Buy · £70.80
For UK family investment companies

Your solicitor set up the family investment company. Holding OS is how you run it.

One Notion system for every shareholder, asset, deadline and signed document of your family investment company. Ten connected modules, a Document Kit, and the 2024 to 2027 changes explained.

Get Holding OS · £70.80

One-time payment · Instant access · 14-day money-back guarantee · Price includes VAT

10

Connected modules

6

Templates and checklists

14-day

Money-back guarantee

The problem

The structure may be sound. The day-to-day rarely is.

If something happened to you tomorrow, could your family run the company?

  1. 01The articles and the shareholders' agreement buried in email threads.
  2. 02Accounts filed late at Companies House: an automatic penalty from £150 to £1,500, doubled if it happens two years running.
  3. 03A director or PSC who never verified their identity: an offence, and the company's filings stop.
  4. 04A loan to a director still outstanding nine months after the year end: a 35.75% charge on the company.
  5. 05Gifts of shares made years ago with no record of the date, so nobody can prove when the 7-year clock ends.
  6. 06Only the founder knows where the share certificates, the stamped stock transfer forms and the insurance policies are.
  7. 07The constant feeling that something important is slipping through the cracks.
Inside the system

A look inside.

Every record carries the legal context. Here, the business relief position of the holding company recorded as a question to put to your adviser, not as an answer.

Dashboard
Estate & Succession Planning
Annual Compliance Checklist
Document Kit
What Changed 2024 to 2027
Your Nation Variables
The system

Ten modules. One connected system.

Not a pretty spreadsheet. Practical management guidance is built into every module, and every one is linked to the others.

Entity Structure

Which companies and trusts does the family own, how is each one taxed, and who runs it?

Includes the Entity Formation Roadmap

Members & Owners

Who holds what, in which share class, with which protections, and is every PSC verified?

Includes the Member Protection Guide

Asset Inventory

What does each entity hold, what is it worth, what did it cost, and what is it used for?

Includes the Asset Inventory Roadmap

Estate & Succession Planning

What has been given, to whom, at what value, and when does each 7-year clock end?

Includes the Estate Planning Roadmap

Family Governance

When did the board and the family meet, what did they decide, and where are the minutes?

Includes a Family Charter template

Compliance & Obligations

What is due at Companies House and HMRC, when, and who is responsible?

Includes the Annual Compliance Checklist

Contracts & Documents

Where is the signed shareholders' agreement, and when does each tenancy or power of attorney end?

Includes the Document Kit

Financial Management

What came in, what went out, what was paid on each share class, and where does the director loan account stand?

Includes the Financial Control Guide, covering dividends by class, founder loan repayments and s.455

Risk & Insurance

Which policies cover which assets, which claims are open, and which structural risks undo the planning?

Includes the Asset Protection & Insurance Guide

Knowledge Base

What changed in the law, and what does each term mean?

Includes “What Changed 2024 to 2027” and “Your Nation Variables”

Document Kit

Six templates and checklists, ready to adapt.

Editable templates with fields to fill in and a checklist of next steps for each one.

Not a substitute for the advice of a solicitor. Adapt and review each document with a solicitor before signing or filing.

  1. IBoard minutes and shareholders' written resolution
  2. IIShareholders' Agreement Key Provisions ChecklistThe clauses to review with your solicitor
  3. IIICompany Power of AttorneyExecuted as a deed under s.47 Companies Act 2006
  4. IVDividend Resolution and Dividend Voucher
  5. VGift and PET Log
  6. VIAnnual Compliance Checklist
Why not a generic template?

Empty tables don't know the law.

Generic templates give you empty tables.

Holding OS builds the legal and tax logic into the fields: the 7-year clock, gifts with reservation of benefit, the business relief question for a holding company, s.455 on director loans, ATED and the PSC register.

Generic templates stop at tracking.

Holding OS includes a Document Kit: board minutes and written resolutions, a shareholders' agreement checklist, a company power of attorney, a dividend resolution and voucher, a gift log and an annual compliance checklist.

Generic templates are frozen the day you buy them.

Holding OS is updated when the law changes, at no charge for your edition.

What changed 2024 to 2027

The rules moved. Most plans didn't.

Between the Autumn Budget of October 2024 and April 2027 the UK rewrote the assumptions behind most family wealth plans. Holding OS is written around what actually changed, and what still matters now.

Business and agricultural relief

£2.5 million, then 50%.

From 6 April 2026, 100% relief covers only the first £2.5 million of qualifying property per person, with 50% above that. Whether a family holding company qualifies at all is a fact-specific question: an investment business is excluded, but a company that is wholly or mainly the holding company of non-investment subsidiaries may still qualify (IHTA 1984 s.105(4)(b)). Holding OS records it as a question for your adviser, never as an answer.

Pensions

Inside the estate from 6 April 2027.

Most unused pension funds and death benefits join the taxable estate, with the scheme paying the tax directly. For many families, the pension was the last large asset outside the 40% charge.

What still matters

The questions that didn't go away.

Allowances frozen until 2031: £325,000 nil-rate band and £175,000 residence nil-rate band. More estates cross the line every year without any change in the law.

Dividend rates up in April 2026: 10.75%, 35.75% and 39.35%, and the s.455 charge on new director loans rose with them to 35.75%.

Residence replaced domicile: since April 2025, ten years' residence in the last twenty brings the worldwide estate within inheritance tax.

Identity verification at Companies House: the transition for existing directors and PSCs ends on 18 November 2026.

What did not change: gifts with reservation of benefit are still ignored, the 7-year rule still governs lifetime gifts, and records that separate company money from family money still decide whether the structure holds.

Ships with the pages “What Changed 2024 to 2027” and “Your Nation Variables”, covering what differs in Scotland, Wales and Northern Ireland.

Ready on day one

Built for people who have never opened Notion.

Start Here

A ten-minute page that walks you through the structure, the example and the order of setup.

The Whitfield family company

A complete worked example, consistent across every module: an English private limited company funded by a founder loan, voting shares with the parents, growth shares with the children, a let flat, an office let to the family's trading company and a portfolio of gilts.

Every field explained

An explanation on every field of every table. No Notion experience required.

How it works

  1. 1Buy on Gumroad.
  2. 2Open the link and click Duplicate: the template is copied into your own Notion workspace.
  3. 3Open Start Here and follow the ten-minute walkthrough with the Whitfield family example.
Who it is for

Made for the people who carry the responsibility.

  • 01Families with an existing or planned family investment company or holding company
  • 02Heirs who took over the administration
  • 03Professional managers of family companies
  • 04Solicitors, accountants and family offices (professional licence available)

Who it is not for

Not a way to incorporate a company without a solicitor or accountant.

Not tax or filing software: it does not prepare or file accounts, the CT600, the confirmation statement or Self Assessment returns.

Not a substitute for the advice of a solicitor or accountant.

Price

Everything, once.

One payment. No subscription. Free updates to your edition, including changes in the law. If it isn't for you, email us within 14 days and we refund 100%.

£70.80

Holding OS · UK edition

One-time payment. No subscription. Price includes VAT at 20%.

Instant access. After checkout you get the link to duplicate the template into your own Notion, in under a minute.

Free updates to your edition, including changes in the law.

14-day money-back guarantee. On top of your statutory rights.

Not a substitute for the advice of a solicitor or accountant.
Secure checkout via Gumroad, which collects UK VAT.

Using it with clients? Professional licence, £180.

Questions

Before you decide.

Anything else? Write to support@wvertex.com.br.

How we keep it accurate

Built by people who work in corporate law and wealth planning. The content is based on the Inheritance Tax Act 1984, the Corporation Tax Acts, the Companies Act 2006, the Economic Crime and Corporate Transparency Act 2023 and HMRC's published guidance, with an English private limited company as the worked example. Last reviewed September 2026. When the law changes, we update the template and email buyers the new version of their edition.

Do I need to know Notion?
No. The Start Here page walks you through the structure, the example and the order of setup. You'll be navigating within minutes.
Is this just a template to fill in?
No. It is a management system with educational content built in: roadmaps, a Document Kit and management guidance in every module.
What changed between 2024 and 2027, and why does it matter?
Business and agricultural relief was capped at £2.5 million per person, pensions join the taxable estate from April 2027, the allowances are frozen until 2031, dividend and savings rates went up, residence replaced domicile, and Companies House now verifies every director and PSC. Plans and templates written before the Autumn Budget of October 2024 are out of date. Holding OS explains each change and what to do.
Does a family investment company get business relief?
Not automatically, and Holding OS never says it does. A business that is wholly or mainly making or holding investments is excluded; a company that is wholly or mainly the holding company of non-investment subsidiaries may still qualify, with restrictions. The template records the position of each entity as a question for your adviser and shows you what to ask.
Does this replace a solicitor or accountant?
No. Holding OS is a management and organisation tool, not legal, tax or accounting advice. The document templates must be adapted and reviewed by a solicitor before signing or filing.
My family is in Scotland, Wales or Northern Ireland. Does it still work?
Yes. England and Wales is the worked example. The “Your Nation Variables” page lists what differs: legal rights in Scottish succession, Land and Buildings Transaction Tax and Land Transaction Tax, powers of attorney and the Land Registers.
Does it work for any type of family holding structure?
Yes: family investment companies, holding companies that own the family's trading business, unlimited companies, and structures with a family trust alongside the company.
How do I receive the product?
Right after checkout you get the link to open the template and click Duplicate in your own Notion workspace.
Is my family's information secure?
Your copy lives in your own Notion workspace, and W Vertex has no access to it. Notion encrypts data at rest and in transit and holds a SOC 2 Type 2 report, but it does not use end-to-end encryption. For that reason, avoid storing full National Insurance numbers, passport details or bank details in the template.
Can I share it with my spouse, solicitor or accountant?
Yes. Notion lets you share any page with view or edit access, so each person sees only what you choose.
Does it work on my phone?
Yes, through the Notion apps for iPhone, iPad and Android. Setting it up is easier on a computer.
How do I receive updates?
When we update Holding OS, for example after a Budget, we email you the link to the new version of your edition at no charge.
Can I use it for more than one company?
Yes, for your own family's companies and trusts, as many as you need. Using Holding OS with clients, as a solicitor, accountant or family office, requires the Professional Licence (£180), which covers one firm and unlimited clients. Get the Professional Licence
Is VAT included?
Yes. The price shown includes UK VAT at 20%, collected by Gumroad at checkout.
What if it's not for me?
14-day money-back guarantee: email support@wvertex.com.br and we refund 100%. This is in addition to your rights under the Consumer Rights Act 2015.
Get started

Put the family's house in order.

Ten modules, the Document Kit and the 2024 to 2027 changes explained, in your own Notion workspace within a minute of checkout.

Get Holding OS · £70.80

One-time payment · Instant access · 14-day money-back guarantee · Price includes VAT

Not ready to buy? Start with Holding OS Lite, free: three complete modules and the Whitfield family example. Get Holding OS Lite