International Wealth & Tax Planning
CHF 300,000 in cash. What now?
Stocks? Additional contribution to your pension fund? The apartment in France? And then there is the house in Germany that you own together with your siblings.
Having money can feel complicated.
Together, we plan your taxes. So they fit the life you want to live.
Which decision fits your life?
Is making an additional contribution to your Pillar 2 pension fund really the best choice from a tax perspective?
Does it make sense to pay back the mortgage in Switzerland or in Germany?
What are the tax implications if you invest the money in stocks instead?
And what does an inheritance mean for my wealth planning?
For one person, keeping the mortgage and investing in stocks is the right answer.
For another, it is paying back the mortgage in Germany, selling the inherited properties in France and making an additional contribution to the pension fund.
There is no one answer that is always right or always wrong. What is “right” depends on your personal situation and your goals. This also includes how much risk you are willing to take and how important security is to you.
Plan first. Then decide.
Putting money into your pension fund because that is simply what people do is one way to approach wealth planning.
Another is to first consider where else you could invest the CHF 300,000.
It is also important to consider how long the money can remain invested. Are you planning to buy a home in the next few years? If so, making an additional contribution to your pension fund or buying an investment property may not be the right decision.
“She helped me to not only understand my tax obligations, but also how different choices might impact my future finances.”
Sam
Wealth rarely sits in just one country
When you move to Switzerland, your wealth does not necessarily move with you.
Your property Germany remains as well as your holiday home in France. Yes, exactly, the one held through the French SCI.
Then an inheritance comes into the picture: property in France and the US, shares held in a German investment account and a beneficial interest in a Liechtenstein foundation.
We not only look at the individual assets, but above all at how they fit together in your life.
“I can relax knowing that I have advice from someone who understands my specific situation.”
Insurance Company Executive
How we plan together
Introductory meeting
Advisory Package: Wealth & Tax Planning
1. Meeting to discuss Your Goals and Vision
Before our meeting, you will receive a few questions about your goals and your situation.
During the meeting, we think through your wealth, your goals and the options available to you. Together, we narrow them down to a maximum of two.
2. Options analysis
We analyse the option(s) from a Swiss tax and social security perspective and prepare the relevant calculations for you.
3. Decision Meeting
We discuss the results and you decide which option you would like to pursue.
“Our conversations have helped me to see situations more clearly and reflect on them more consciously […].”
Andrea
Implementation Package: Your Solution
We can also help you find the private bank or wealth manager that is right for you.
Depending on your situation, foreign tax advisors, lawyers or other specialists can also be brought in.
Tax planning that fits your life.
Together, we plan your taxes. So they fit the life you want to live.
If you are looking for maximum tax optimisation at any cost, we are not the right fit.
If you want to build the life you want, with tax planning that supports you along the way, then let’s get started.