Financial planning
Our approach
The process of financial planning involves compiling a comprehensive picture of the current state of your assets and wealth, and, depending on your lifestyle and taking due account of your lifetime plans, making projections as to how your assets and wealth might evolve in future years.
This planning enables us to answer questions such as:
- Retirement or early retirement: how will it work out financially?
- 2nd pillar: opt for an annuity, capital or a mix of the two?
- Taxation: how can I optimise it?
- Real estate: purchase, financing and tax consequences
- Life insurance: the advantages and disadvantages
- Donations: what are the consequences on our finances?
- Business: the impact of a sale or transfer
In order to provide answers to all these questions and devise solutions for each, we move on to the financial-planning process itself. We look at several matters, such as 2nd-pillar occupational pension cover, the possibility of buying in extra years, the decision on whether to take out an annuity and/or a lump-sum, the usefulness of a life-insurance policy, tax considerations associated with buying property and taking out a mortgage, and, for business-owners, the impact when passing on or selling the business, etc. Once a clear overview has been established, a report summarising the state of your financial circumstances is drafted, and we start discussions to draw up a risk profile to be applied when managing your assets and wealth.
