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Conseil Patrimoniales
Conseil Patrimoniales
Conseil Patrimoniales
Conseil Patrimoniales
Conseil Patrimoniales
Conseil Patrimoniales
Conseil Patrimoniales
Conseil Patrimoniales
Conseil Patrimoniales
Conseil Patrimoniales
Conseil Patrimoniales
Conseil Patrimoniales
Conseil Patrimoniales
Conseil Patrimoniales
Conseil Patrimoniales

Wealth Advisory

Bring life and success to your projects through a comprehensive analysis of your wealth and optimization of its structure.

A holistic approach

The 3 levers to optimise your assets

As well as performance, we help our customers build and structure their assets to face the most critical times in their lives with complete peace of mind. To bring your assets into harmony with your plans, we use 3 main optimisation levers.

  • Pension

    Pension

    Retirement planning is ideal for ensuring a comfortable retirement while protecting yourself and your loved ones from the unexpected. Achieve financial stability by planning for your future life after retirement.

  • Loans

    Loans

    By evaluating your credit score and determining its ideal range, you can minimize the tax implications and gauge your financial ability to execute your plans.

  • Taxes

    Taxes

    By examining your financial status and plans, we can pinpoint all potential tax advantages. Determining marginal tax rates allows you to measure potential savings and strategize for them.

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What's your life plan?

Whether it's for a business project or the "project of a lifetime," our advisers and experts are here to bring your idea to reality without the headaches and with complete peace of mind.

  • Choose my life project...
  • Taxes
  • Legacy
  • Property project
  • Marriage and cohabitation
  • Divorce
  • My career and my pension
  • Retirement
  • Estate
  • Family
    • Wealth analysis

    • Taxes

    • Financial planning

    • Financing

    • Marriage counseling

    • Pension analysis

    • Estate planning

    • Tax advisory

    • Wealth analysis

    • Financial planning

    • Wealth analysis

    • Financial planning

    • Financing

    • Wealth analysis

    • Marriage counseling

    • Wealth analysis

    • Financial planning

    • Financial planning

    • Wealth analysis

    • Marriage counseling

    • Tax advisory

    • Wealth analysis

    • Financial planning

    • Pension analysis

    • Financial planning

    • Wealth analysis

    • Pension analysis

    • Estate planning

    • Wealth analysis

    • Financial planning

    • Wealth analysis

    • Financial planning

    • Estate planning

    • Pension analysis

    • Marriage counselling

Bilan Patrimonial

Asset review

Take stock of your financial and tax situation by drawing up an asset balance sheet. You'll get a clear, simple picture of your overall financial situation. We'll work with you on all the topics you must consider to fulfil your projects.

  • How viable is my project?

    How viable is my project?

  • What resources are available to me?

    What resources are available to me?

  • How can I optimise my assets?

    How can I optimise my assets?

Financial planning

We will define various scenarios to project your assets during an initial meeting. Over time, this comprehensive view of your assets will help you understand the financial consequences of specific decisions or life events. You will receive tailored guidance and recommendations, ensuring confidence in your financial future.

  • Is my financial situation sustainable over time?

    Is my financial situation sustainable over time?

  • Should I opt for an annuity or lump-sum payment at retirement?

    Should I opt for an annuity or lump-sum payment at retirement?

  • Can I maintain my lifestyle?

    Can I maintain my lifestyle?

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pension analysis

Pension analysis

The pension analysis provides a comprehensive view of your pension benefits in cases of disability, death, or retirement. This tool aids in identifying your requirements and potential shortcomings should you face any of these scenarios. From life insurance to establishing means for financing your children's education, our financial advisors are here to support and safeguard you and your family.

  • Is my family adequately protected in the event of my death?

    Is my family adequately protected in the event of my death?

  • Will I be able to maintain my lifestyle if I become disabled?

    Will I be able to maintain my lifestyle if I become disabled?

  • What will my income be when I retire?

    What will my income be when I retire?

Tax advice

A well-structured estate means more opportunities to benefit from it. Let's analyse your financial situation to understand your tax situation better and identify these opportunities.

  • Are my assets well structured?

    Are my assets well structured?

  • How is my tax assessment?

    How is my tax assessment?

  • What levers can I use to reduce my taxes?

    What levers can I use to reduce my taxes?

Conseil et fiscalité
Solution patrimoniales
planification-successorale

Estate planning

You haven't planned for the eventuality of your death? To safeguard your loved ones and prevent possible family disagreements, it's crucial not to delay your estate planning. You can comprehensively understand your assets and ensure your estate is distributed according to the latest legal guidelines.

  • Why make gifts during your lifetime?

    Why make gifts during your lifetime?

  • What impact does my place of residence have on my estate?

    What impact does my place of residence have on my estate?

  • How can I minimise the tax impact of the inheritance I am about to receive?

    How can I minimise the tax impact of the inheritance I am about to receive?

Marriage counseling

Because a wedding involves significant changes in your life, planning is essential. We'll help you see things more clearly and make the right decisions so you can travel this road together with complete peace of mind.

  • How does marriage or divorce impact your taxes?

    How does marriage or divorce impact your taxes?

  • Which matrimonial property regime should I choose?

    Which matrimonial property regime should I choose?

  • How can I plan my estate with peace of mind?

    How can I plan my estate with peace of mind?

conseil matrimonial
For a peaceful future

The 3 pillars of pension provision 

Retirement planning protects you against life's hazards and ensures a comfortable retirement. Our comprehensive range of pension solutions enables us to meet the most sophisticated BVG, or private pension provision needs while offering you the expertise of our specialists in active management for optimum returns.

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    1st pillar

    • State pension

      AVS

      • Distribution system
      • Coverage for survivors' vital needs in the event of death
      • Covering vital needs during retirement
    • State pension

      AI

      • Distribution system
      • Covering needs in the event of disability
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    2nd pillar

    • State pension

      All-in-one solution

      • Administrative simplicity
      • Plan personalisation
      • Risk profile up to 50% equities
    • Professional provisions

      Supplementary pension plan master plan

      • Intended for a restricted circle of affiliates
      • Maximisation des capacités de rachat
      • Manage assets up to 85% in equities
    • professional provisions

      1st plan

      • Intended for a restricted circle of affiliates
      • One investor profile per affiliate
      • Risk profile of up to 70% equities
    • invested solution

      Investment deposit

      • Yield opportunities
      • Individual management possible
      • Risk profile between 0 and 90% equities
    • savings solution

      Pension savings

      • Your retirement capital without taking risks
      • An attractive interest rate
      • Free account management
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    3rd pillar

    • individual cover

      Tied pension provision 3A

      • Yield opportunities
      • Payment deductible from taxable income up to the maximum limit
      • Risk profile up to 100% equities
    • investment

      Free pension 3B

      • Savings in the form of life insurance
      • Protection for next of kin in the event of death
      • Additional cover in the event of disability
Wealth advice

For your peace of mind

For every one of your projects, you can count on our wealth management specialists. They will support you with talent and methods to help you prepare for a serene future and enjoy the present moment with complete peace of mind.
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  • vincent arnal

    Vincent Arnal

    Head of Wealth Solutions

    The holder of the IAF diploma and the Federal Certificate of Financial Advisor, Vincent Arnal began his career with Swiss Life Select and then with Banque Cantonale de Genève. He joined Piguet Galland & Cie SA in 2018 and then became Head of Wealth Solutions in 2020. He ensures the business development of the Bank's pension and financing solutions, as well as the management of the expertise that supports our clients in their life plans

    Learn more
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  • JC-Torrecillas
vidéo solutions patrimoniales