Safeguarding your children’s future

  • Setting aside some capital to help your children when they start working,
  • Ensuring the structure of your wealth keeps pace with your growing family,
  • Devising a rock-solid business succession plan.

As you consider what you and your family want to achieve in life, one of your main concerns will be making sure your children get off to a good start. We have unparalleled advisory expertise in this area. As you navigate through life, we will help you make informed decisions that align seamlessly with your family situation and the future you envision for your loved ones.

We help you to achieve peace of mind

You have many personal ambitions in life, but your children are undoubtedly your top priority. Providing them with the best education possible, giving them the tools they need to succeed in life, and leaving them an inheritance will make their lives that much fuller. We will provide you with the financial, administrative, legal and tax information you need to make the right decisions for you and your family.

Nearly one third of Swiss people over the age of 25 have a university degree or equivalent.
The average cost in Swiss francs for one year of university tuition and living expenses in the United States for a foreign student.
The average starting salary in Swiss francs of EPFL graduates who finished their studies in 2010.

Case study

One of our clients asked us to help him purchase an apartment for his older son, who was about to start a four-year degree on the east coast of the United States. He had expected his younger son to follow suit, but he decided to study in France instead. Our client ended up selling the apartment six years later, and the capital gain helped to cover the cost of his son’s studies.

Installer ses enfants dans la vie

Cross-border inheritance

If you intend to give a gift or leave an inheritance involving property or beneficiaries in another country, you will have to pay careful attention to the tax and legal implications. You will also have to ascertain which country’s laws apply in a given situation.

Heirs’ rights

Direct heirs, starting with children, have a legal right to a certain proportion of their parents’ estate. This right can apply to up to three quarters of the inheritance, depending on the relationship of the other heirs to the deceased.

Planning ahead

Handing over part of your estate while you are still alive offers a number of advantages. For example, parents can transfer their home to their children while maintaining the right to live in it, with the option of adding annuity payments if necessary.

Saving for your children

In Switzerland, parents have the option of using personal retirement savings products to build a nest egg for their children. This money can come in handy for their children’s future studies or to help them as they embark on their career.

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.


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.


Our teams move to our new Pléiades building in Geneva.


BCV Group buys Banque Franck, Galland & Cie SA.

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


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.


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

Others life goals

Life goal
Buying a home or expanding your property portfolio

Buying a home or expanding your property portfolio

Is an all-cash transaction the right choice? Or would a mortgage loan be more appropriate? Together, we will go through all of the many factors that need to be carefully considered and help you sort through the various options and the complexities

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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.

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Life goal
Estate planning

Estate planning

Your wealth strategy must be designed to grow your assets. But the structure of your wealth is important too, as this will affect how you pass it along to future generations.

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