Regulatory Information

Utmost is committed to complying with all regulations in the markets where we operate.

Given the scale and importance of the assets entrusted to us, regulatory compliance is fundamental to how we operate. We are dedicated to prudently and responsibly managing our clients’ best interests, building on a solid foundation of regulatory compliance. Utmost works in a highly regulated industry and across multiple jurisdictions, meaning strong governance, risk management and regulatory oversight are embedded throughout our business.

With over 1,900 staff working across our offices in 14 strategic locations worldwide, we are uniquely and expertly attuned to the regulatory requirements of local and regional markets. We invest heavily in specialist compliance, risk and legal expertise, alongside the systems, controls and processes needed to meet evolving regulatory requirements and support good client outcomes.

Our approach is not just about meeting regulations, but about helping advisers and clients navigate increasingly complex tax, reporting and cross-border planning requirements with confidence.

Our insurance policies are built on a unit-linked structure, meaning that client assets are held separately and independently from Utmost’s own finances. Our operating entities are legally required to maintain capital reserves depending on location. Furthermore, every regulated Utmost entity is subject to ongoing supervision by its local regulator, which has the power to intervene in the event of any risk to policyholder interests.

Underpinning this is a strong financial position and commitment to security for our clients and partners, with a Group Solvency Coverage Ratio of 167% at the end of 2025, well above our internal capital requirements of 135%. Combined with Utmost’s deep technical expertise and long-standing experience in international wealth structuring, this enables us to deliver wealth planning solutions that are transparent, well governed and designed to meet the highest regulatory standards. You can read more in Utmost’s Annual Report available here: 2025 Annual Report – Utmost.

Please find below some important regulatory information about each of the Utmost entities and locations.

Utmost Group is the name of our group of companies, which comprises Utmost PanEurope dac, Utmost Luxembourg S.A., Utmost Worldwide Limited, Utmost International Isle of Man Limited. Utmost Group plc, our group holding company, has securities listed on the Global Exchange Market of Euronext Dublin. Utmost Group plc is registered in England and Wales with number 12268786. Registered office: Saddlers’ House, 44 Gutter Lane, London, EC2V 6BR.