Wealth planning

Unlocking the full potential of your wealth requires prior planning. Such a process will ensure that your wealth is optimally structured and fully tax efficient and that your cash-flow needs are met over the long term so that you can live your life to the fullest.

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The 28 February 2018

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.

Cash flow

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

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.
Marco Salmina, Head of Wealth Advisory

Our approach

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.

Plan ahead
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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The Piguet Galland & Cie SA website (the "Site") describes the activities of Piguet Galland & Cie SA in Switzerland. Piguet Galland & Cie SA does not offer its services outside of Switzerland, and the Site is meant solely for individuals and legal entities domiciled in Switzerland, along with existing clients of Piguet Galland & Cie SA.

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