Striking the right balance
Financial planning is a core component of wealth advisory. It entails an ongoing and proactive analysis of your situation to ensure that your wealth is effectively structured with the right combination of assets in your portfolio – from property to investments and pension plans. We will assess each of these elements – and any mortgages you have – in terms of their risk, return, tax impact and liquidity.
Financial planning is particularly useful for ensuring that you always have the necessary cash on hand. For this, it’s useful to distinguish between the money you need to cover your daily living expenses and the surplus that you can put into your retirement savings, for example. Both tax and wealth optimisation can place various constraints on your finances. It’s important to know how to limit those constraints so that they don’t prevent you from achieving your goals in life.
Tax efficiency is one of the pillars of our approach. We work to take full advantage of the tax-savings potential offered by pension plans, through both ordinary contributions and additional voluntary contributions. We also manage your conventional bank assets in a tax-efficient manner. Indeed, the focus of wealth planning has now shifted from total returns to after-tax returns.
If you're a business owner, you need to factor your company into your financial planning strategy – this comprehensive approach will ensure you take full advantage of your particular situation. This kind of financial planning can also help you to build an optimal compensation package and recover all of the value you have generated throughout your career.
As part of our financial planning services, we conduct a thorough analysis of all aspects of your finances. This can sometimes reveal major cracks in the structure of your wealth. Your assets, for example, may not be adequately diversified and you may be taking on too much risk.
With a company, you have to ensure you make the right choices in terms of occupational pension plans, managing surplus cash flows and finding the right balance between salaries and dividends. There are established rules and guidelines, but putting them into practice requires a thorough understanding of all the ins and outs.
A divorce will always have financial consequences for both spouses. It can even do more damage to your wealth than a sharp market correction. We can help you take steps ahead of time to minimise these adverse effects, such as the tax consequences of the division of assets.
A full analysis of your wealth covers all financial, legal, tax and structural aspects. We have experts on hand in all these areas. We will examine your wealth from every angle and design a plan that draws the best out of every aspect of your situation.
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6 astuces pour penser votre prévoyance autrement. Avec nos conseils, optimisez votre patrimoine et économisez des impôts.
Les investisseurs sont de plus en plus nombreux à reconnaître la valeur des critères de responsabilité sociale d’une entreprise. Il est donc essentiel de pouvoir leur présenter une offre de qualité qui intègre une réflexion éthique. Notre certificat HELV-ETHIC s’inscrit dans cet esprit.
When you invest, always keep the following rules in mind.