A partner for life.

Together with our partners, we are able to accompany our clients through all phases of their lives with regard to financial matters. Depending on where they stand in life, we focus our business activities on wealth accumulation, wealth preservation or wealth transfer. For more information on how we help our clients in their current stage of life, see below.

Our activity in context of phases of life

Retirement Employment Education Phases Transfer Wealth Preservation Wealth Accumulation Activity Income Assets Insurance Real Estate Advisory Partner

Education

The training phase lays the foundation for the professional and financial future. Financial resources are usually scarce, and unnecessary lifestyle and insurance costs should be avoided. Nevertheless, financial planning can already be started now in order to align the strategy for wealth accumulation with medium and long-term goals. In addition, a solid plan is a valuable tool to effectively manage income and expenses.

Features and challenges

  • Limited financial resources
  • Rising cost of living
  • Low tax burden
  • Shortfall in OASI contributions
  • Preventing over/under-coverage

How we help our clients

  • Financial planning
  • Insurance planning
  • Insurance management

Employment

In this phase of life, the focus is on wealth accumulation, asset structuring and the achievement of long-term goals. Decisive influences that need to be taken into account include starting a family, acquiring residential property and the associated higher fixed and living costs. Depending on the financial situation, it may be advisable to make private provision and build up capital for retirement so that the pension can be enjoyed according to individual wishes.

Features and challenges

  • High cost of living
  • High tax burden
  • Marriage
  • Family
  • Career
  • Self-employment
  • Home ownership
  • Divorce
  • Early retirement

How we help our clients

  • Financial planning
  • Insurance planning
  • Insurance management
  • Wealth planning
  • Tax services
  • Real estate services
  • Retirement planning
  • Inheritance planning

Retirement

If sufficient wealth has been built up, the focus in this phase is on preserving assets and fulfilling wishes before the wealth is gradually transferred to the next generation.

Features and challenges

  • Retirement
  • Inheritance
  • Succession

How we help our clients

  • Wealth planning
  • Inheritance planning
  • Tax services