Financial planning

Rationale

The rationale behind financial planning can only be to look at the financial situation in its entirety. Security – return on investment – and flexibility must be in accordance with the available opportunities. An individual financial planning is only of value as far as it can be put into practice. Therefore, many factors must be considered when preparing a financial planning. Our many years of experience enable us to provide to our clients a financial planning that leads our client via analysis of his situation to the market and the available products. Nowhere in the process we do underestimate the costs associated with the recommended solutions.

Registered insurance intermediary VAG
Investment funds intermediary licensed by Swiss Financial Market Supervisory Authority

Scope

The scope of a financial planning must be all-inclusive. A basic breakdown of the available assets is of the highest importance. This allows for a more detailed risk calculation and increases the client’s trust in the products. Also, asset diversification is important for all magnitudes. No one puts all his eggs into the same basket. The risk of losing everything in case of a fall would be too great.

Marriage and inheritance law have to be considered as well, in order to know the limits of the law and to demonstrate to our clients the advantages and disadvantages of a will or a marriage and inheritance contract. Financial planning starts with the analysis of the client’s goals and ends with the comparison of various products. Financial planning may be build-up planning or retirement planning.

Registered insurance intermediary VAG
Investment funds intermediary licensed by Swiss Financial Market Supervisory Authority

Profile

No two clients are the same. For this reason it is absolutely necessary to create a detailed client profile. The profile allows assessing willingness and ability for taking risks. It is essential for us to study your profile as to enable us to recommend the right products for you. However, your own assessment also must be part of the profile.

Registered insurance intermediary VAG
Investment funds intermediary licensed by Swiss Financial Market Supervisory Authority

Budget

Without a detailed budget it is not possible to prepare a financial planning. Only a detailed assessment of your income and expenses bases the financial planning in reality and accurately reflects your personal situation. Especially at an advanced age, the budget is an important factor. To ensure that the financial planning and the chosen actions lead to financial security, it is inevitable to have accurate data on your income and expenses.

Registered insurance intermediary VAG
Investment funds intermediary licensed by Swiss Financial Market Supervisory Authority

Goals

For many clients it is difficult to have specific visions when wording their individual goals. Usually, achieving a high income is one of the most important goals. Often also taxes are a subject of the discussion. What about the general availability and the security of the investments? And what about mortgage liabilities? Or maybe you also want to provide for your children’s education? The potential individual goals are as diverse as the available investments and products. The individual goals also often reflect the client’s profile. The more detailed your goals are formulated the easier it is to tailor the financial planning specifically to you and your needs. It is impossible to prepare a financial planning without knowing the client’s goals. If necessary we will support the client defining his individual goals.

Registered insurance intermediary VAG
Investment funds intermediary licensed by Swiss Financial Market Supervisory Authority