Business succession

  • Planning out an often complex deal down to the last detail.
  • Adapting your revenue structure to minimise taxes.
  • Optimising your business’s cash flows as retirement approaches.
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As a business owner, you seek to create value through recurring revenues and, eventually, by selling your company for a profit. This final act, which is the capstone of a long and successful career, is also a complex undertaking that must be planned far in advance. Our experts will ensure that nothing has been overlooked and see to it that the sale – which could boost your wealth significantly – goes smoothly.

We are your partner from day one

There are a large number of variables and question marks when it comes to selling your business. Our experts will provide the support you need, calling on outside partners as needed. You will require help throughout this process in such areas as taxes, pensions, property law, commercial law and contract law. And we will be by your side every step of the way.

5years
You can continue paying into most occupational pension funds up to five years after reaching retirement age.
0%
In Switzerland, capital gains on sales of shares – including those held in a limited liability company (Sàrl) or a corporation (SA) – are generally not taxed.
8x
According to a study of the European market, medium-sized companies (worth between 15 and 500 million euros) are sold for an average of eight times average EBITDA.

Case study

One of our longstanding clients was 61 years old when he decided to make a major life change. But first he had to sell his pharmaceutical lab. The company was flush with cash that it did not need for operating purposes. With the help of our top experts, he was able to quickly turn that money into salary-based income, which he then used to make tax-deductible pension contributions to fill in gaps from past years. This increased his pension savings capital for the day when he would eventually retire.

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Negotiating the right deal

It’s not always easy to entrust someone else with the future of a company that you built yourself. Selling your company therefore takes on an emotional dimension, but you must not let that cloud your judgement during the negotiations.

Following through

Selling your company is not the end of the game. It’s an opportunity to branch out in new directions, such as making private equity investments or engaging in philanthropic endeavours.

Using the proceeds

When you sell your company, you must never lose sight of the fact that it is an asset. Together, we will focus on minimising taxes and maximising the cash flows that will add to your retirement savings or allow you to take on new projects.

Pension planning

Business owners sometimes view pensions as another payroll expense, like social security. In reality, because pension fund contributions are tax-deductible, they are a powerful mechanism for reducing your tax bill.

Here’s how we can help you to achieve your life goals

We will sit down with you and analyse your wealth situation: your finances, your current needs and your life goals. We will then come up with a comprehensive solution aimed at optimising your financial and tax situation.

Deepen

Piguet Galland
private bankers since 1856

Piguet Galland was created from the merger of two longstanding private banks. As part of BCV Group, we are able to draw on the expertise of a large banking group.

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Our teams move to our new Pléiades building in Geneva.

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BCV Group buys Banque Franck, Galland & Cie SA.

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Banque Franck acquires Banque Galland in Lausanne and becomes Franck, Galland & Cie SA.

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Banque Cantonale Vaudoise takes a majority stake in Banque Piguet & Cie, which is then incorporated.

Mobilier conçu dans les années 30 et dessiné par Franck Lloyd Wright

Alain Franck fonde la Banque Franck à Genève.

Banque Galland

Alfred Galland founds Galland & Landis in Lausanne.

Banque Piguet

Alfred Piguet marries Louis Michod's daughter, and Banque Michod becomes Banque Alfred Piguet & Cie.

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Banque Michod, the first private bank in Yverdon-les-Bains, is founded.

Others life goals

Life goal
Starting your own business

Starting your own business

Creating and growing a successful company takes more than just a great idea. You will also be responsible for the legal, tax and administrative burden of your start-up.

Find out more
Life goal
Optimising the financial aspects of your company

Optimising the financial aspects of your company

Our experts can help your company to achieve its full potential. Working together with outside experts as necessary, they will help you to set up the right financial structure and optimise its tax situation.

Find out more
Life goal
Keeping up your standard of living during retirement

Keeping up your standard of living during retirement

We will advise you on how best to structure your wealth in order to build up your savings prior to retirement. We can, for instance, help you find the right balance between ensuring you have a regular stream of income throughout retirement and keeping long-term reserve capital intact.

Find out more
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Les informations publiées sur ce site ne constituent ni une sollicitation ni une offre, ni une recommandation d’achat ou vente ou de toute autre transaction sur des instruments de placement.

Même si ce site reprend une large sélection de fonds à disposition, il n’englobe pas tous les fonds actuellement disponibles sur le marché. Dès lors, il peut exister des fonds correspondant mieux aux besoins de placement de l’utilisateur, mais qui ne figurent pas sur ce site. L’utilisateur doit être conscient du fait que les prix des parts de fonds de placement peuvent fluctuer vers le haut et vers le bas. En conséquence, la performance passée n’est pas une garantie de la performance future. Par ailleurs, les placements en devises différentes sont sujets aux fluctuations des taux de change.
Avant d’effectuer tout investissement dans un placement collectif, l’utilisateur doit lire impérativement et attentivement les prospectus de vente et les informations clés pour l'investisseur (KIID). Les prospectus et KIIDs des fonds sur ce site sont disponibles sur ce site, mais peuvent également être demandés gratuitement, auprès de Piguet Galland & Cie SA ou de la direction de fonds. L’utilisateur s’engage à lire les clauses de non-responsabilité relative à chaque fonds avant d’effectuer un placement.

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